About Bank of Baroda
The emergence of Bank of Baroda (BoB) in the banking space is exciting to know. It started on a royal note with Maharaja of Baroda and Saijirao Maharaja Gaekwad III laying the foundation for the bank, which went on to script a history full of accomplishments and successes. The summer was at its peak in 1908 and so was the hunger of these emperors to establish BoB. Well, the operation of the bank began on a small building in Baroda, the city you would know. Came 1969 and the fate of the bank took a u-turn with it becoming a property of Government of India.
Continuing with its merry way of developing new products on the block and fine tuning the existing ones, Bank of Baroda strives to serve the community in the most comprehensive manner possible. The reason why the comprehensive word is relevant in BoB’s case is due to the fact that it has a unique appeal in various banking verticals. On one hand, it serves the corporate and HNI clients with custom deposits and loans. While on the other hand, the bank takes special care of the rural segment by customizing the product accordingly. Similarly, for other clients like MSMEs, NRIs and others, it has differentiated products to offer.
In addition to crafting products attuning to customer demands, the bank has also made sure that its reach gets widened with time. A proof for the same is its growing number of branches and ATMs across the country. The bank currently operates with over 6,000 branches and 1,000 ATMs across India. It also has branches in 24 more countries. It continues to enjoy a strong operational presence in Africa, the US, Australia, Middle East Nations, and much more. The total branch count of BoB is well over 100, showcasing its expanding reach in the world’s landscape.
Guwahati, the capital city of the North Eastern state Assam, is also served well by Bank of Baroda. The bank operates with 10-15 branches in Guwahati. For all you Guwahati residents, you can find out your nearest Bank of Baroda branch by looking at a table below.
Bank of Baroda Guwahati Branches
| Branch Name | Complete Address | IFSC | MICR | Contact Detail |
|---|---|---|---|---|
| A T Road | A T Road Gauh Branch, Paltan Bazar, Guwahati- 781001 | BARB0ATROAD | 781012003 | 0361-2540477, 2633964 |
| Beltola Tiniali | Beltola Tiniali, Beltola, Guwahati | BARB0BELTOL | 781012005 | 0361-2234285 |
| Dispur Branch | Dispur Branch, Indian Airlines Complex, Ganeshguri Chariali, Guwahati- 781005 | BARB0DISPUR | 781012004 | 0361-2224623, 2220992 |
| G S Road | G S Road, Taranis Bldg, Lachit Nagar, Chariali, Ulubari, Guwahati- 781007 | BARB0GSROAD | 781012006 | 0361-2466087 |
| Cycle Factory ROAD | Cycle Factory Road, Opposite Post Office, Fatasil Ambari, Guwahati, Assam 781025 | BARB0FATASI | 0361-2573511 | |
| Bamunimaidan | Beside East End, Nursing Home, Mrd Road, Bamunimaidan, Guwahati, Assam 781021 | BARB0BAMUNI | 781012010 | |
| Six Mile | Six Mile Vip Road Po Khanapara Ps Khanapara Dist Kamrup Metropolitan Guwahati, Assam- 781022 | BARB0SIXMIX | ||
| Ambari | G N B Road, Near Agp Office, Guwahati Club, Ambari District Kamrup Metropolitan, Assam-781001 | BARB0AMBARI | 781012008 | 0361-2461583 |
| Zoo Road Tiniali | Parnil Complex R G Baruah Road, Guwahati | BARB0ZOOTIN | 0361-2200032 | |
| Gauhati | Gauhati Branch, S.R.C.B.Road, Fancy Bazar, Guwahati, Assam-781001 | BARB0GAUHAT | 781012002 | 0361-2540476 |
Products Offered by Bank of Baroda in Guwahati
Bank of Baroda has a nice suite of products to offer to the people of Guwahati. Doesn’t matter if you are a salaried or a self-employed, you have the product of your choice at Bank of Baroda. The branch officials are well versed with the products on offer. You can get details of any products from them. Be it a personal loan or home loan, you can get to know the minute details. We can help you by charting out the details in a simple manner for you to understand. So, keep reading out the details and apply once you are satisfied with the offerings.
Basic Details of Bank of Baroda Loans in Guwahati
| Products | Eligibility | Loan Amount | Interest Rate | Processing Fee | Tenure |
|---|---|---|---|---|---|
| Home Loan | Minimum age for application-21 years for salaried and self-employed applicants Maximum age permitted at the time of loan maturity-60 years for salaried and self-employed applicants | About 75%-90% of the property value | 8.50% - 10.60% | 0.25%-0.50% of the loan amount Minimum- ₹7,500 Maximum- ₹20,000 | Upto 30 Years |
| Baroda Traders Loan | Individuals, proprietors, partnership firms & co-operative societies seeking working capital are eligible | ₹ 2 lakh-10 Cr | 10.35%-11.35% p.a. | 0.35% of the loan amount subject to a minimum of ₹ 7,500 | Upto 5 years |
| Car Loan | Minimum age for application-21 years for both salaried and self-employed applicants Maximum age allowed at the time of loan maturity-65 years | Upto ₹ 1 Cr | 7% onwards | 0.75% of the loan amount to a maximum of Rs 10,000 | Upto 7 Years |
| Loan Against Future Rent Receivables | Owners who have rented their premises or are looking to rent to corporate houses/PSU units/banks/MNCs are eligible Landlords of BoB Offices or Branches are eligible Landlords or residential property given on a lease to the officers and executives of BoB are also eligible | Upto 55% of the rent due and receivable for both the unexpired period of lease and uncertain period of lease. | 12.10% p.a. | 1% of the loan amount subject to a maximum of ₹ 7.5 lakhs and ₹ 150 lakhs for loans upto 10 Cr and above 10 Cr, respectively. | Upto 10 Years |
| Personal Loan | Minimum age for application-21 years Maximum age permitted at the time of loan maturity-60 years for salaried & 65 years for self-employed | ₹ 50,000-10,00,000 | 10.90% - 18.25% | Upto ₹ 10,000 | Upto 4 Years |
Documents Required to Avail Loans from Bank of Baroda in Guwahati
| Products | Salaried | Self-employed |
|---|---|---|
| Home Loan | Identity Proof- PAN Card/Passport/Voter ID/Driving License/Aadhaar Card Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID Income Proof-Latest Salary Slips & Form 16 for Salaried Bank Account Statement for the Last 6 Months Track of any other loans, if any Property details such cost estimate of construction | Identity Proof- PAN Card/Passport/Voter ID/Driving License/Aadhaar Card Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years Bank Account Statement for the Last 6 Months Track of any other loans, if any Property details such cost estimate of construction |
| Car Loan | Identity Proof- PAN Card/Passport/Voter ID/Driving License/Aadhaar Card Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID Income Proof-Latest Salary Slips & Form 16 Bank Account Statement for the Last 6 Months Track of any other loans, if any | Identity Proof- PAN Card/Passport/Voter ID/Driving License/Aadhaar Card Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years Bank Account Statement for the Last 6 Months Track of any other loans, if any |
| Personal Loan | Identity Proof- PAN Card/Passport/Voter ID/Driving License/Aadhaar Card Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID Income Proof-Latest Salary Slips & Form 16 | Identity Proof- PAN Card/Passport/Voter ID/Driving License/Aadhaar Card Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID Income Proof-Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years |
