Need urgent funds for personal or business needs? Bank of Baroda is offering instant personal loans from ₹50,000 to ₹10 lakh using just your Aadhaar card. No collateral required, fast processing, and 100% secure – all from a trusted public sector bank!
In this article, we explain how the Bank of Baroda Aadhaar Loan 2025 works, eligibility, interest rate, and how to apply online.
💼 What is Bank of Baroda Aadhaar Loan?
The Bank of Baroda Aadhaar Loan is a personal loan offering where your Aadhaar card acts as your primary KYC document. It’s designed for salaried and self-employed individuals who need quick access to funds without submitting piles of documents or offering collateral.
👉 Check Top Aadhaar Card Loan Offers 2025
💡 Key Features of Bank of Baroda Personal Loan 2025
- ✅ Loan Amount: ₹50,000 to ₹10,00,000
- ✅ Interest Rate: Starting from 10.15% per annum
- ✅ Tenure: 12 to 60 months
- ✅ 100% digital process
- ✅ No collateral required
- ✅ Use for medical, wedding, education, home renovation, etc.
👉 Best No-Collateral Loan Options in India
📋 Eligibility Criteria
To apply for this loan, you must meet the following criteria:
- Age: 21 to 60 years
- Indian resident with valid Aadhaar and PAN
- Salaried or self-employed with stable income
- CIBIL score of 700+ preferred
- Bank account with salary/income credit
📄 Documents Required
- Aadhaar Card (Mandatory)
- PAN Card
- Income Proof (Salary slips/Bank statements/ITR)
- Passport-size photograph
👉 How to Get Personal Loan on Aadhaar Card Only
📱 How to Apply for Bank of Baroda Aadhaar Loan Online
Step-by-step guide:
- Visit the Bank of Baroda Personal Loan Portal
- Choose “Personal Loan – Aadhaar Based”
- Enter basic details (Name, Aadhaar, PAN)
- Upload income proof and submit application
- Get approval and loan disbursal in your account
Alternatively, visit the nearest BOB branch with documents.
📊 Interest Rate & EMI Example
| Loan Amount | Tenure | Interest Rate | Approx EMI |
|---|---|---|---|
| ₹1,00,000 | 24 months | 10.15% p.a. | ₹4,630/month |
| ₹5,00,000 | 36 months | 11.50% p.a. | ₹16,450/month |
| ₹10,00,000 | 60 months | 12.00% p.a. | ₹22,250/month |
Note: Actual rate depends on applicant profile & bank approval.
👉 Use EMI Calculator Tool 2025
🔐 Benefits of Aadhaar-Based Loan from BOB
- Speedy processing and approval
- Trusted public sector bank
- Competitive interest rates
- Transparent loan terms
- Secure digital verification
💬 Final Thoughts
If you are looking for a safe and fast loan in 2025, Bank of Baroda’s Aadhaar Loan is an excellent option. Whether it’s for a medical emergency, education, or wedding expenses – you can get up to ₹10 lakh without any hassle.