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Bank of Baroda, India ’ s International Bank

Middle East


Baroda Salary Linked Personal Loans



Salient Features: -


Eligibility:- Loans to regular & confirmed salaried class with minimum 3 years employment with the same organization and maintaining salary account with us to meet any personal needs.


Increased Loan Amount Multiple:- Up to 12 times of monthly income subject to minimum & maximum amount of AED 10,000 & AED 500,000 respectively.


Increase Repayment Period: - up to 48 months


Rate of Interest*: -6.00% p.a. (reducing balance).


Processing Charges *:- 1% upfront minimum AED 250/-


Prepayment charges *:- 2% of the amount of loan outstanding, minimum AED 250/-  


Documents Required:-

  • Personal Data Form
  • Photocopy of passport, Visa and Labour Card/Work Permit
  • Copy of personal bank account statement
  • One photograph
  • Original Salary Certificate
  • Undertaking from employer to transfer the salary and terminal benefit to our bank
  • Undertaking from borrower to keep his passport, labour card and his visa renewed from time to time during currency of loan
  • Undertaking from borrower authorizing us to receive terminal benefits from the employer.


Additional Benefits:-

  • Free personal accident insurance coverage for entire loan amount
  • Free ATM card for Savings Bank Account
  • Free remittance through Rapid Funds2India* subject to conditions
  • Free e-mail Statement & Free Internet-Banking for Savings Bank Account
  • Online Sanction
  • Take over from other banks possible, subject to conditions


For Further details

*Terms: Rates and charges are subject to change from time to time

Download Application Form


 Dear Customer If you have not still submitted your renewed KYC documents please submit it urgently to your base branch in order to avoid freezing of account........