The campaign is designed to make the festive season more rewarding for customers by providing concessional interest rates, special offers and value-added benefits.

Key Festive Offerings:

• Home Loans:

o    Special interest rate starting at 7.45% p.a., with Nil processing fee

o    Interest Rate concession for women borrowers, Gen Zs & Millennials (aged below 40 years)

o    Easy top-up facility available

o    Interest calculated on Daily Reducing Balance

• Car Loans:

o    Attractive interest rate

o    Interest calculated on Daily Reducing Balance on both fixed and floating ROI option

o    Nil pre-payment charges for individuals in floating ROI

o    Extended Repayment Period up to 84 months; 96 months on Electric Vehicles

o    50% concession in processing charges for Electric Vehicles

o    Financing up to 90% of the on-road price of the vehicle

o    Quick approval of loan through the Bank’s Digital platform

Bank of Baroda also has a limited period offer on ROI on Gold Loans & Mortgage Loans

• bob Masterstroke Lite Savings Account:

Following the success of the bob Masterstroke Savings account, Bank of Baroda has launched a more inclusive and lighter version – the bob Masterstroke Lite Savings Account. bob Masterstroke Lite has a lower Monthly Average Balance requirement and is loaded with offers – including lifestyle benefits on dining, travel, entertainment while providing accidental insurance and other attractive features.

o    Free EaseMyTrip Debit Card with exciting offers

o    Free remittances – NEFT/RTGS/IMPS transactions

o    Flat ₹750/- discount on lockers

o    Waivers on processing charges & interest rate concessions on retail loans

o    Lifetime Free Eterna Credit Card available*

• bob Smart Current Account:

The bob Smart Current Account is specially designed for businesses largely conducting digital transactions.

o    Free online NEFT/RTGS/IMPS/UPI transactions

o    Free 1 POS/MPOS and 2 Soundbox QR available*

o    Lifetime free Corporate Credit Card available*

o    VISA Vyapaar DI Debit Card

• Offers on Debit Cards

Bank of Baroda has introduced attractive discounts on Debit Cards this festive season. The Bank has tied up with leading brands across categories such as travel, food, fashion and grocery.

• bob Digi Udyam – a Cash Flow-Based Digital Financing Scheme for MSEs

BOB Digi Udyam is a digital, collateral-free lending platform offering Micro and Small Enterprises (MSEs) quick access to working capital loans above ₹10 lakh to ₹50 lakh

o    Attractive Rate of Interest with Concessional Processing Fee

o    CGTMSE Guarantee Cover

o    100% digital and paperless processing

o    Quick sanction & transparent terms

• bob Property Pride – OD Facility Against Property

o    No monthly stock statement is required (Just once in a year will suffice)

o    Loans up to ₹25 crore with tenure till age 75 years

o    Attractive rate of interest linked to BRLLR/MCLR

o    Low margin (as low as 10%) & concessional fees

o    Flexible facility with overdraft option

These festive offers are available both online through the Bank’s digital platforms and via the Bank’s nationwide branch network, ensuring maximum convenience and reach.