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  • Bank of Baroda Top Up Loan for Resident NRIs PIOs

    The Baroda Top Up Loan for Resident NRIs PIOs is for existing Bank of Baroda home loan borrowers. The interest rate starts at 6.50% p.a. The processing fee is up to 0.35% of the home loan amount.


    Baroda Top Up Loan for Resident NRIs PIOs Interest Rates

    The interest rate for Baroda Top Up Loan for Resident NRIs PIOs starts from 6.50% p.a. and is dependent on the interest rate on the existing home loan as well as the strategic premium.

    Features and Benefits

    The features and benefits of Baroda Top Up Loan for Resident NRIs PIOs are: 

    • Minimum loan amount of Rs.1 lakh and maximum amount of up to Rs.2 crore can be availed.
    • Repayment tenure is the balance period of the existing home loan.
    • The unified processing charges includes all the documentation charges, verification charges, inspection charges, and legal charges.

    Eligibility Criteria

    The eligibility criteria are as follows:

    Age 21 years for applicant 
    18 years for co-applicant
    Employment Type Salaried or Self-employed
    • Resident Indians
    • Non-Resident Indians (NRI)
    • Persons of Indian Origin (PIO)
    • Overseas Citizen of India (OCI)

    Documents Required

    The general KYC documents required by the bank are as given below: 

    1. Proof of residence and age:
      • Driver's license 
      • Election ID
      • PAN card
      • Ration card
    2. Passbook statements of the last 2 years from bank account

    Salaried Individuals: Latest salary slips or salary statements

    Self-employed individuals: 

    • Assessment orders of the past 3 years
    • Copies of balance sheet, profit and loss accounts that are certified
    • Advance tax challans for the past 3 years
    • Copies of income tax returns
    • IT acknowledgements

    The Baroda Top Up Loan is a convenient and hassle-free way of availing additional funds to cover any additional or unexpected expenses related to the purchase or construction of your residential property.

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