Bank of Baroda Home Loan Prepayment Calculator
yaha mai 2026 ke lie eka udaharana svarupa phlotimga reta ka samdarbha hai| koi bhi kadama uthane se pahale baimka pha badauda ke homa lona ki navinatama sharton ki pushti kara lem| Use this page to estimate how recurring prepayments can reduce your total interest and shorten your tenure.
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Bank of Baroda
baimka pha badauda bharata ke sabase bade sarvajanika kshetra ke baimkon men se eka hai, jisaka gathana 2019 men baimka pha badauda, vijaya baimka aura dena baimka ke vilaya se hua tha| yaha bharata bhara men vetanabhogi, svarojagara prapta, anivasi videshi aura gramina udharakartaon ko homa lona dene vala eka pramukha baimka hai| baimka pha badauda ke homa lona badauda repo limkda lemdimga reta (biaraelaelaara) se jude hain, jo svikriti patra men ullikhita amtarala para arabiai repo dara men badalava ke satha riseta hota hai| baimka pha badauda homa edavamteja utpada bhi pradana karata hai, jisamen SBI maiksagena ke samana ovaradraphta suvidha shamila hai, jisase udharakarta prabhavi byaja ko kama karane ke lie lona khate men atirikta nakadi jama kara sakate haim| purva bhugatana ke lie, baimka pha badauda biobi varlda aipa aura neta baimkimga ke madhyama se dijitala seva pradana karata hai| udharakarta purva bhugatana anurodhon ke lie kisi bhi baimka pha badauda shakha men bhi ja sakate haim| baimka bhugatana ko bakaya muladhana men samayojita karata hai, aura udharakartaon ko yaha pushti karani chahie ki isase iemaai ya shesha avadhi kama hoti hai ya nahim|
apane homa lona ka purva bhugatana kaise karem – Bank of Baroda
Bank of Baroda offers home-loan prepayment through the BOB World mobile app, Bank of Baroda net banking, or any BoB branch. The digital channels have improved meaningfully since the 2019 BoB+Vijaya+Dena merger, but some legacy account types from the merged entities may still require branch servicing.
From BOB World: navigate to Loans → Home Loan → Part Payment. Confirm the source account, enter the amount, and select whether to reduce tenure or EMI. Bank of Baroda's system typically defaults to EMI reduction; explicitly select tenure reduction for maximum interest savings.
If you hold the Baroda Home Advantage product (BoB's overdraft-style home loan, similar to SBI MaxGain), you don't need a formal prepayment to gain interest savings — simply park surplus funds in the linked Home Advantage account and they immediately reduce daily interest accrual on the home-loan principal. You retain liquidity since you can withdraw the funds any time. For standard (non-overdraft) home loans, processing of a digital prepayment takes one to two business days, with the updated repayment schedule available in the app once posted. NRI borrowers should remit via NRE/NRO channels and notify the servicing branch for FEMA-compliant application.
Worked example
If you prepay ₹4,000 every month
Example assumes a ₹40,00,000 loan at 8.60% with 20 years remaining.
| Metric | Prepayment ke bina | With ₹4,000/month extra |
|---|---|---|
| EMI | ₹34,967 | ₹38,967 |
| Total interest | ₹43,92,080 | ₹32,86,829 |
| Tenure | 20 years | 15 years 7 months |
| Interest saved | - | ₹11,05,251 |
| Time saved | - | 4 years 5 months |
Share a concrete savings example with another homeowner who might be overpaying interest.
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