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Bank of Baroda Personal Loan 24X7 Customer Care Numbers

Bank of Baroda has a variety of products and services for its customers to satisfy all their banking requirements. Bank of Baroda offers many facilities like loans, credit cards, debit cards, financial management, insurance and many more services to its customers. Customers can contact the customer care service to get any information or any query or raise any concern or issue that they may face in their daily banking transactions. Bank of Baroda also offers easy personal loans with minimum documentation so the customers can meet any financial obligations that they may have without any hassles.

Toll-Free Numbers:1800 22 33 44,1800 102 4455 or 1800 258 4455.

Bank of Baroda Personal Loan Customer Care Number
Bank of Baroda 24X7 Personal Loan Customer Care Number

What is the Bank of Baroda Personal Loan Customer Care Number?

Bank Of Baroda Personal Loan Customer Care

Customers can contact the customer care of the bank to get any details regarding personal loans or to address any concerns regarding the same at the following Toll Free Numbers.

Customers can also contact the bank at their home branch or any other branches to get any information or to raise any complaints regarding personal loans.

Customers can also seek the balance inquiry and get a mini statement by way of giving a missed call to the following numbers

The bank also provides SMS banking for the customers by sending SMS in the required format to 8422009988 to perform a host of functions or transactions like balance enquiry, mini statement, cheque status, blocking of debit cards. The format required for the customers to send a SMS for a particular transaction/function is given at the bank’s website.

Bank of Baroda has a virtual assistant ‘ASK ADI’ to help with any assistance or information that the customers may require regarding any of the products and services of the bank.

The contact details for the NRI customers to contact the bank from outside India are

Besides the above ways to contact the bank, customers can also contact the bank at their Head Office and the Corporate Office at the following addresses.

Head Office

Postal address - Bank of Baroda

  Baroda Bhavan

  7th Floor,R.C. Dutt Road,

  Vadodara-390 007, (Gujarat) India

Telephone -  (0265) 2316792

Email – gm[dot]ops[dot]ho[at]bankofbaroda[dot]com

Corporate Centre

Postal address - Bank of Baroda,

  Baroda Corporate Centre,

   Plot No. C-26, Block G,

  Bandra Kurla Complex,

   Bandra (East),

   Mumbai 400051

Telephone -  (022) 6698 5000-04

What is Personal Loan?

Personal loans are quick and easy form of loans that the customers can avail for their immediate financial needs. These loans require minimum documentation and are usually collateral free. The maximum tenure for personal loans is 5 years (60 months)

Details of Bank of Baroda Personal Loan

The maximum amount of personal loan that an individual can avail is up to Rs. 10,00,000 (in case of Urban areas and Metro areas) and Rs. 5,00,000 (in case of Rural areas). The details of personal loans offered by Bank of Baroda are as follows.


  • Bank of Baroda provides the list of eligible individuals on its official website that can avail the personal loan. The details of the same are provided here under.
  • Employees of following entities having a minimum continuous service of 1 year,

Government employees (State/Central), Autonomous bodies, Public or private sector or Joint sector Employees, MNCs. Educational Institutions, Proprietorship, Partnership firms, Trusts

  • Insurance Agents having business for a minimum of 2 previous years
  • Following persons having a stable business for a minimum of 1 year,

Practicing CAs and CSs, Engineers, Designers, Self Employed Business persons, etc.

The age criterion for the above persons is minimum 21 years and maximum 60 years of age in case of salaried individuals and 65 years for non-salaried individuals at the time of maturity of such loan.

Rate of Interest:

The rate of interest on personal loans starts from 11% and is calculated on the basis whether the applicant has an account with the bank or not. If the applicant has an account with any of the branches of the Bank then the rate of interest charged on personal loan will be slightly lower in comparison to a case where the applicant does not have an account with the bank. The details of the rate of interest and the breakup of the same can be found at the official website of the bank.

The bank also charges a nominal processing fee at the time of application of personal loan which amounts to 2% of the loan amount subject to a minimum of Rs.1,000 and a maximum of Rs. 10,000.

Other Important Features of Bank of Baroda Personal Loan:

  • Customers can avail the personal loans for any purpose. The bank does not specify any criteria or conditions with regards to the purpose of seeking a personal loan as long as the purpose is not a speculation (investing in stocks, shares, property or betting/lottery, etc.)
  • Bank of Baroda does not consider joint applications (i.e., co-applicants) while granting a personal loan. Loans sought in individual capacity only are considered for approval.
  • The bank levies a penalty of 2% interest on overdue amount of personal loan in case of defaults in repayment.
  • Bank of Baroda has no charges for pre-closure or part-repayment of the loan.

Apart from the above important features of Bank of Baroda Personal Loans, the Bank also has certain specific guidelines for eligibility of the persons. The details of the same can be found at the official website of the bank. Customers can contact the customer care or the branch directly to get this information or any clarifications regarding the same.

Bank of Baroda also allows the customers to get a fair estimate of the EMIs (Equated Monthly Instalments) to be paid before acquiring the loan by using the personal loan EMI calculator available on the bank’s official website.

Grievance Redressal

Bank of Baroda has a systematic grievance redressal process. There are 4 levels of escalation of customer’s grievances with the internal system of the bank.

Level 1:- This is the initiation of customer grievance/complaint wherein the customer lodges the complaint with the bank through either of the bank channels i.e.,

  • Online Complaint Management System – SPGRS
  • Through a Contact Centre
  • Directly in the bank branch

The said complaint is initiated and the customer is provided with a Unique Tracker ID that has to be quoted in all future correspondences.

Level 2:- This is the next stage of escalation of the customer’s grievance in case it has not been resolved at Level 1 or if the response received is unsatisfactory. The complaint in this case is taken to the Regional Level of the bank. The channels for the same are,

  • Online Complaint Management System – SPGRS
  • Through a contact centre

Level 3:- The customer in this stage of further escalation takes the said unresolved grievance to the Zonal Level of the bank, communicating the Unique Tracker Id provided to him in the first stage of the grievance redressal. The channels of such escalation are,

  • Online Complaint Management System – SPGRS
  • Through a Contact Centre

Level 4:- This is the final level of escalation available within the bank wherein the grievance is raised at the Principal Nodal Officer. The channels for this escalation are,

  • Online Complaint Management System – SPGRS
  • Through a Contact Centre
  • Contacting the Principal Nodal Officer by quoting the Unique Tracker ID at the following address,

General Manager (Operations & Services)

Bank of Baroda, Head Office,

Baroda Bhavan, R C Dutt Road,

Alkapuri, Baroda – 390007

Gujarat, India

The customer can contact the Banking Ombudsman appointed by the RBI, if he/she has still has not received a satisfactory redressal of their grievance within a month.

Locate the Bank

Customers can locate the nearest branch of the bank to get all the clarifications regarding personal loans or raise any issues about the same or for any general banking requirement by simply logging on to the official website and clicking on the ‘Branch Locator’ link provided.


The Bank of Baroda was merged with Vijaya Bank and Dena Bank as on 1st April 2019. Post this merger the Bank boasts of an extensive network of over 13400 ATMs and 9898 Branches. It has also become the third largest lending bank in the nation post merger.


1.What is the toll free number of the bank?

Bank of Baroda toll free number is 1800 258 44 55/ 1800 102 44 55.

2.What is the customer care number for NRI customers (Overseas locations)

Bank of Baroda customer care number for NRI customers is +91 79-49044100 / +91 79-23604000.

3.How many regional offices does the bank have?

The bank has about 101 regional offices and 17 zonal offices across the country.

4. Is service tax levied on the processing charges levied at the time of sanction of the loan?

Service tax is payable on the processing fees levied by the bank.

5.Is the form for applying personal loan available online?

Customers can download the form for applying personal loan by clicking on a separate link provide for the same on the official website of the bank.

Bank Of Baroda Personal Loan Customer Care - Customer Reviews

4 / 5 (84 Reviews)
7 Mar 2021

Good website - easy to use,

3 Sep 2020

Usefulness of information,ok

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