SBI vs Bank of Baroda Home Loan — Which is Better in 2026?
Last updated: April 6, 2026
SBI
8.50%
Interest rate p.a.
Bank of Baroda
8.45%
Interest rate p.a.
✓ Better dealSBI vs Bank of Baroda Home Loan — Detailed Comparison
| Feature | SBI | Bank of Baroda |
|---|---|---|
| Interest Rate | 8.50% | ✓8.45% |
| Processing Fee | 0.35% (min ₹2,000) | 0.25% (max ₹20,000) |
| Tenure | Up to 30 years | Up to 30 years |
| Eligibility | Salaried/self-employed, 18-70 yrs, min ₹25,000/month | Salaried/self-employed, 21-70 yrs, min ₹20,000/month |
Interest Rate
SBI
8.50%
Bank of Baroda
8.45%
Processing Fee
SBI
0.35% (min ₹2,000)
Bank of Baroda
0.25% (max ₹20,000)
Tenure
SBI
Up to 30 years
Bank of Baroda
Up to 30 years
Eligibility
SBI
Salaried/self-employed, 18-70 yrs, min ₹25,000/month
Bank of Baroda
Salaried/self-employed, 21-70 yrs, min ₹20,000/month
Verdict
Bank of Baroda wins on home loan rate (8.45%) vs SBI (8.50%). Over a 20-year ₹30L loan, the lower rate can save lakhs in interest. That said, evaluate processing fees, prepayment charges, and branch/digital service quality. PSU banks like SBI and PNB also offer the PMAY subsidy seamlessly. HDFC and ICICI tend to offer faster disbursals for salaried customers.
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