Baroda Digital Personal Loan

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Baroda Digital Personal Loan

Baroda Digital Personal Loan offers flexible repayment, paperless process, and direct disbursement with no prepayment charges on floating rates.

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Details for Baroda Digital Personal Loan

Baroda Digital Personal Loan is a convenient borrowing option with a fully digital and paperless process. It offers flexible repayment terms ranging from 12 to 60 months and attractive interest rates. The loan is directly disbursed to your account, ensuring quick access to funds. A standout feature is zero prepayment charges for loans on a floating rate of interest, allowing early repayment without penalties. It’s ideal for individuals seeking a hassle-free and efficient way to meet personal financial needs.

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Loan Amount

50,000/- to 10,00,000/-

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Interest Rate

From 13.05% to 18.40%

Age

  • Min 21Years to Maxi 65 Years

CIBIL Score

  • A CIBIL score of 730 or above is generally considered good for approving a personal loan.

Required Documents

  • Valid Mobile number & PAN Number
  • Aadhar number for procurement of OTP for E-Stamping & E Sign.
  • Net Banking Credentials or Digital Bank Statement for last 6 completed months (Bank Statement should be in Individual Name).
  • For Self-Employed, ITR e-filling credentials or Digital ITR returns for last 2 years
  • For Self-Employed, GST portal credentials or Digital GST returns for last 1 year (Optional)
  • Web camera for clicking pictures and performing video KYC.

Nature of Employment

  • Self Employed Professionals (Doctor, Engineer, Architect, Interior, Designers and Tech. Management Consultants, Practicing Company Secretaries etc.), insurance agents and self-employed business persons.

Loan Processing Charges

  • Processing charge @2% of loan amount + Applicable GST

Features

  • Repayment Period: 12 months to 60 months
  • Paperless Process
  • Direct Disbursement
  • No Prepayment charges for Floating Rate of Interest.
  • Attractive Interest Rates

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₹10,000₹1,00,00,000

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Baroda Digital Personal Loan EMI Calculator

Principal amount

₹1,00,000

Interest amount

₹542

Total amount payable

₹1,00,542

Your Monthly EMI is ₹8,379
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