Key takeaways: Bank of Baroda vs TVS Credit
- For a personal loan, Bank of Baroda starts lower (10.40%) versus 14% at TVS Credit.
- All of them publish a numeric starting rate for: personal loan and two-wheeler loan. That is the part of this page you can rank like for like.
- No numeric starting rate on the loan provider's own site: TVS Credit for home loan. We show "Not published" instead of estimating.
- A starting rate is the best case. Ask each loan provider for its Key Fact Statement and compare the APR and total repayable amount before you choose.
Quick verdict: who each loan provider suits
Built only from figures the loan providers publish. It says where each loan provider is ahead on paper, not who will approve you.
Pick Bank of Baroda if you want
- The lower published starting personal loan rate (10.40%)
- The longer personal loan tenure (84 months (govt employees with bob salary account))
- The widest range of loan types with a published rate (4)
Where TVS Credit stands
No clear edge on the published figures we could compare. Check the product sections below and the Key Fact Statement.
Bank of Baroda vs TVS Credit at a glance
| Detail | Bank of Baroda | TVS Credit |
|---|---|---|
| Loan provider type | Public sector bank | NBFC |
| Legal name | Bank of Baroda | TVS Credit Services Limited |
| Loan types with a published rate | Personal loan, Home loan, Car loan, Two-wheeler loan | Personal loan, Two-wheeler loan |
| Personal loan: published rate | Floating 10.40% to 17.75%; fixed 11.00% to 18.05% (varies by category and CIBIL) | 14% to 35% per annum |
| Personal loan: maximum tenure | 84 months (govt employees with BoB salary account) | 36 months |
| Home loan: published rate | Starting @7.20% (product page); spreads BRLLR -0.70% to +1.05% floating (up to Rs 75 lakh) | Not published |
| Home loan: maximum tenure | Up to 30 years incl. moratorium up to 36 months; not beyond age 65 per FAQ | Not published |
| Official website | bankofbaroda.bank.in | tvscredit.com |
Searching for TVS Credit vs Bank of Baroda instead? It is the same comparison, so both open this page.
Bank of Baroda vs TVS Credit personal loan: rate, fees and tenure
Starting personal loan rates as published: Bank of Baroda from 10.40% and TVS Credit from 14%. Bank of Baroda is lower at the starting rate, but the top of each range and your own credit profile decide what you are offered. Bank of Baroda lists the longer maximum tenure (84 months (govt employees with bob salary account)).
| Detail | Bank of Baroda | TVS Credit |
|---|---|---|
| Published rate | Floating 10.40% to 17.75%; fixed 11.00% to 18.05% (varies by category and CIBIL) | 14% to 35% per annum |
| Rate basis | Floating: Repo-linked (BRLLR) + spread; fixed: 1-year MCLR + spread | profile-based (varies by customer profile) |
| Loan amount | Rs 1 lakh (metro/urban); Rs 0.50 lakh (rural/semi-urban) to Rs 20 lakh | Rs. 30,000 to Rs. 2,00,000 |
| Maximum tenure | 84 months (govt employees with BoB salary account) | 36 months |
| Processing fee | Nil for govt employees with BoB salary account; otherwise 1.00% to 2.00% + GST, min Rs 1,000 + GST, max Rs 10,000 + GST | Up to 5.9% (inclusive of GST) |
| Prepayment / foreclosure | Not published | 15-day cooling period; then % of principal outstanding: 16 days-12 months 7.08%; 13-24 months 4.72% |
| Eligibility (as published) | Min age 21; max age 60 (salaried) / 65 (non-salaried) incl. tenure; FOIR 40%-75%; rate linked to CIBIL, no minimum stated | Monthly income above Rs. 25,000; CIBIL score above 700 |
| Other terms published |
|
|
| Official source | bankofbaroda.bank.in/loans/personal-loan/baroda-personal-loan | tvscredit.com/loans/online-personal-loans tvscredit.com/loans/online-personal-loans/eligibility-and-documents |
Read the full guide: Personal loan
Bank of Baroda vs TVS Credit personal loan: full comparison with EMI, fees and FAQs
Bank of Baroda vs TVS Credit home loan: rate, fees and tenure
Only Bank of Baroda publishes a numeric starting rate for this product, so a like-for-like ranking is not possible. TVS Credit has no home loan terms we could verify on its official site.
| Detail | Bank of Baroda | TVS Credit |
|---|---|---|
| Published rate | Starting @7.20% (product page); spreads BRLLR -0.70% to +1.05% floating (up to Rs 75 lakh) | Not published |
| Rate basis | Floating linked to BRLLR (resets monthly); fixed option BRLLR + 1.00% to 2.05% | Not published |
| Loan amount | Rs 1 crore (semi-urban/rural) up to Rs 20 crore (Mumbai), by location | Not published |
| Maximum tenure | Up to 30 years incl. moratorium up to 36 months; not beyond age 65 per FAQ | Not published |
| Processing fee | As printed on page (eff. 01.04.2025, excl. GST): up to Rs 50 lakh '50%' [sic, likely 0.50%], min Rs 8,500, max Rs 15,000 | Not published |
| Prepayment / foreclosure | Nil; no prepayment penalty | Not published |
| Eligibility (as published) | Applicant min age 21, max 70; salaried 1 yr / non-salaried 2 yrs; resident Indians, NRIs, PIOs, OCI; individuals only | Not published |
| Other terms published |
| Not published |
| Official source | bankofbaroda.bank.in/loans/home-loan/baroda-home-loan bankofbaroda.bank.in/loans/home-loan bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates | Not published |
Read the full guide: Home loan
Bank of Baroda vs TVS Credit loan against property: rate, fees and tenure
None of these loan providers publishes a plain starting rate for a loan against property; some tie the rate to a benchmark and add a spread, which is shown in the table as published. Bank of Baroda lists the longer maximum tenure (30 years). Bank of Baroda and TVS Credit do not publish a numeric starting rate for this product on their site.
| Detail | Bank of Baroda | TVS Credit |
|---|---|---|
| Published rate | Floating individuals: BRLLR + SP + 0.75% to 3.35% (shown as 8.90%-11.50% effective) | 7% to 36% p.a. (labelled Rate of Interest / APR) |
| Rate basis | Floating BRLLR-linked; fixed is 2% above floating | reducing balance (per sample illustration) |
| Loan amount | Up to Rs 5 crore (Baroda Mortgage Loan) | Rs. 2 lakh (salaried); Rs. 3 lakh (self-employed) to Rs. 75 lakh |
| Maximum tenure | 30 years | 180 months |
| Processing fee | Not published | Up to 5.9% (inclusive of GST) |
| Prepayment / foreclosure | Not published | Foreclosure charges 4% of future principal outstanding |
| Eligibility (as published) | Not published | Indian national; age 18-55 / 18-65 (page unclear); min 1 year employment/business; FAQ: CIBIL 700+, income Rs. 25,000/month |
| Other terms published |
|
|
| Official source | bankofbaroda.bank.in/loans/mortgage-loan bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates | tvscredit.com/loans/loan-against-property |
Read the full guide: Loan against property
Bank of Baroda vs TVS Credit business loan: rate, fees and tenure
None of these loan providers publishes a plain starting rate for a business loan; some tie the rate to a benchmark and add a spread, which is shown in the table as published. Bank of Baroda and TVS Credit do not publish a numeric starting rate for this product on their site.
| Detail | Bank of Baroda | TVS Credit |
|---|---|---|
| Published rate | Competitive pricing linked to Repo rate/MCLR (all-in figure not stated) | Not published |
| Rate basis | BRLLR (8.15% w.e.f. 08.10.2026) + SP 0.25% + premium for regulatory loans | Not published |
| Loan amount | Up to Rs 7.5 crore (spread table on MSME rate page) | Not published |
| Processing fee | Not published | Up to 5.9% (inclusive of GST) |
| Prepayment / foreclosure | Not published | 4% of future principal outstanding (inclusive of GST) |
| Eligibility (as published) | MSME as per revised classification (1 July 2020): Micro/Small/Medium by investment and turnover | Not published |
| Other terms published |
|
|
| Official source | bankofbaroda.bank.in/business-banking/msme-banking/loans-and-advances/msme-loan bankofbaroda.bank.in/interest-rate-and-service-charges/msme-loans-interest-rates | tvscredit.com/loans/emerging-and-mid-corporate-business-loans |
Read the full guide: Business loan
Bank of Baroda vs TVS Credit gold loan: rate, fees and tenure
None of these loan providers publishes a plain starting rate for a gold loan; some tie the rate to a benchmark and add a spread, which is shown in the table as published. Bank of Baroda and TVS Credit do not publish a numeric starting rate for this product on their site.
| Detail | Bank of Baroda | TVS Credit |
|---|---|---|
| Rate basis | Floating and fixed offered; pricing varies with CIBIL (Digital Gold personal loan | Not published |
| Loan amount | Rs 50,000 to Gold Rs 20,00,000 | Not published |
| Maximum tenure | Gold 84 months | Not published |
| Processing fee | Gold: nil | Rs. 59 for loans/top-ups under Rs. 1 lakh; Rs. 118 for Rs. 1 lakh or more (inclusive of GST) |
| Prepayment / foreclosure | Floating: nil. Fixed: 3% + GST on prepaid amount after one EMI; none after 36 months | Repaid within 7 days: interest for 7 days applies; EMI loans: foreclosure period one EMI cycle, charges capped at 2% of… |
| Eligibility (as published) | Salaried govt/PSU/listed company/institute employees with BoB salary account (gold), 1 yr service, age 21 to 58 at end of tenure | Age 18 to 65 years; Indian nationality; KYC with OVDs |
| Other terms published |
|
|
| Official source | bankofbaroda.bank.in/loans/digital-loans/retail/digital-gold-and-silver-personal-loan | tvscredit.com/loans/gold-loans |
Read the full guide: Gold loan
Bank of Baroda vs TVS Credit vehicle loans
Vehicle loan terms as these loan providers publish them.
| Detail | Bank of Baroda | TVS Credit |
|---|---|---|
| Car loan: published rate | Floating 7.60% - 11.30%; fixed 8.50% - 11.20% | Not published |
| Car loan: maximum tenure | 84 months | Not published |
| Car loan: processing fee | Rs 1,500 + GST (up to Rs 10 lakh); Rs 2,000 + GST (above) | Not published |
| Two-wheeler loan: published rate | Floating from 13.60%; fixed from 13.65% | Up to 36% p.a. |
| Two-wheeler loan: maximum tenure | 60 months | 12-60 months |
| Two-wheeler loan: processing fee | 2% of loan (min Rs 250 + GST) | New 2W up to 8.85%; used 2W up to 5.9% (incl. GST) |
Full vehicle loan comparison for Bank of Baroda vs TVS Credit (all vehicle types, EMI tables and sources) · Vehicle loans guide
Which is better: Bank of Baroda or TVS Credit?
No loan provider is best for everyone. This is how the published figures split, product by product.
- Personal loan, lower starting rate: Bank of Baroda (10.40%) versus 14% at TVS Credit.
- Personal loan, longer maximum tenure: Bank of Baroda (84 months (govt employees with bob salary account)). A longer tenure lowers the EMI but raises total interest.
- Loan against property, longer maximum tenure: Bank of Baroda (30 years). A longer tenure lowers the EMI but raises total interest.
Pick on total cost, not the headline rate: ask each loan provider for the Key Fact Statement and compare the APR and total repayable amount. A low rate with a high processing fee can cost more than a slightly higher rate with no fee. If you already bank with one of them, a salary or relationship account can change the rate you are offered, so ask.
Bank type and how each loan provider sets its rate
Bank of Baroda is a public sector bank and TVS Credit is an NBFC.
How the loan providers' own pages say their rates are set:
- Bank of Baroda personal loan: Floating: Repo-linked (BRLLR) + spread; fixed: 1-year MCLR + spread.
- Bank of Baroda home loan: Floating linked to BRLLR (resets monthly); fixed option BRLLR + 1.00% to 2.05%.
- TVS Credit personal loan: profile-based (varies by customer profile).
Public sector banks, private banks and non-banking finance companies (NBFCs) price differently. Banks usually link floating rates to the RBI repo rate or their own benchmark and add a spread based on your credit score; NBFCs more often quote a wider range with a higher ceiling and charge higher processing fees. Some publish a range, some only a starting rate and some only a ceiling, which is why this page compares like with like and marks every gap as not published instead of guessing.
About Bank of Baroda and TVS Credit
Bank of Baroda
Public sector bank
We found terms for personal loan, home loan, loan against property, business loan, gold loan and education loan on Bank of Baroda's website. Where a rate is missing, the tables on this page say Not published.
Lowest published starting rate on this page: 7.20% (Home loan)
TVS Credit
NBFC · TVS Credit Services Limited
We found terms for personal loan, loan against property, business loan and gold loan on TVS Credit's website. Where a rate is missing, the tables on this page say Not published.
Lowest published starting rate on this page: 14% (Personal loan)
Explore each loan provider: loans, calculators and more comparisons
Bank of Baroda
- Bank of Baroda vehicle loans
- Bank of Baroda car loan
- Bank of Baroda used car loan
- Bank of Baroda two-wheeler loan
More comparisons
Guides: Personal loans · Home loans · Car loan · Car loan EMI calculator · EMI calculators
What to check before you choose a loan provider
- Ask for the Key Fact Statement (KFS). RBI requires loan providers to give you one before you sign, showing the interest rate, all fees, the APR and the total amount you will repay.
- Compare APR, not the headline rate. Processing fee, documentation charges and insurance change the real cost.
- Check the rate basis. A floating rate moves with the loan provider's benchmark; a fixed rate does not. Ask when the rate resets.
- Ask about prepayment and foreclosure. Floating-rate loans to individuals cannot carry pre-closure charges; fixed-rate loans often do.
- Read the eligibility and documents. Income, credit score, employment type and collateral decide the rate band you land in.
Terms used on this page
Plain meanings of the terms this comparison uses.
Starting rate: The lowest rate a loan provider advertises for a product. Most borrowers are offered a higher rate, because the final rate depends on credit score, income, employer and loan amount.
APR: Annual percentage rate. It adds the processing fee and other charges to the interest rate, so it shows the yearly cost of the loan better than the interest rate alone.
Key Fact Statement: A short summary the loan provider gives you before you sign. It lists the interest rate, every fee, the APR and the total amount you will repay. RBI requires it for retail loans.
Floating rate and repo rate: A floating rate moves with a benchmark, and for banks that is usually the RBI repo rate, the rate at which RBI lends to banks. A fixed rate stays the same for the period you agree.
Processing fee: A one-time charge for handling the application. It is usually a percentage of the loan amount plus GST, and it is often deducted before the money reaches you.
Credit score: A number from 300 to 900 that shows how you have repaid past loans and cards. A higher score usually gets you a lower rate.
Sources, method and last check
Every figure above comes from the loan provider's own website. We checked them on 12 October 2026 (vehicle loan figures on 4 October 2026) and list the pages used.
- Bank of Baroda: bankofbaroda.bank.in/loans/personal-loan/baroda-personal-loan · bankofbaroda.bank.in/loans/home-loan/baroda-home-loan · bankofbaroda.bank.in/loans/home-loan · bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates · bankofbaroda.bank.in/loans/mortgage-loan · bankofbaroda.bank.in/business-banking/msme-banking/loans-and-advances/msme-loan
- TVS Credit: tvscredit.com/loans/online-personal-loans · tvscredit.com/loans/online-personal-loans/eligibility-and-documents · tvscredit.com/loans/loan-against-property · tvscredit.com/loans/emerging-and-mid-corporate-business-loans · tvscredit.com/loans/gold-loans · tvscredit.com/loans/two-wheeler-loans
| Loan provider | Official pages opened | Loan types with a published rate | Loan types where rate is not published | Last checked |
|---|---|---|---|---|
| Bank of Baroda | 11 | 4 | 4 | 12 October 2026 |
| TVS Credit | 8 | 2 | 6 | 12 October 2026 |
A "not published" count means we opened the loan provider's page for that product and the rate was not shown there, or the loan provider has no such page on its site. If you spot an error, tell us and we will correct it.
Method: we list only figures we could read on the loan provider's official pages. A blank means the loan provider does not publish that figure on the page we checked, and we never estimate one. Rankings use the published starting rate and published maximum tenure only. Read our editorial policy, how we make money and tell us about an error.
More loan provider comparisons
Bank of Baroda compared with other loan providers (15)
TVS Credit compared with other loan providers (10)
Compare any two or three loan providers · Personal loans · Home loans · Vehicle loans
Frequently asked questions
Which is better: Bank of Baroda or TVS Credit?
For a personal loan, Bank of Baroda starts lower (10.40%) versus 14% at TVS Credit. A starting rate is the best case, not a typical offer, so confirm the annual percentage rate (APR) and total repayable amount in each loan provider's Key Fact Statement. Figures are as published on the loan providers' own websites and checked 12 October 2026. The better choice depends on your profile, the loan type, the amount and the fees in your offer letter.
TVS Credit or Bank of Baroda: which should I pick for a loan?
Order does not change the comparison, so Bank of Baroda vs TVS Credit and TVS Credit vs Bank of Baroda are the same page. Start with the loan type you need: the sections above show each loan provider's published rate, fees, tenure and prepayment terms for it, and the lower starting rate is not always the lower total cost.
Which has the lower personal loan interest rate: Bank of Baroda or TVS Credit?
Bank of Baroda has the lower published starting rate. Published starting rates: Bank of Baroda 10.40% and TVS Credit 14% (checked 12 October 2026). Your actual rate depends on your credit profile and the loan provider's approval.
What is the personal loan processing fee at Bank of Baroda and TVS Credit?
Bank of Baroda: Nil for govt employees with BoB salary account; otherwise 1.00% to 2.00% + GST, min Rs 1,000 + GST, max Rs 10,000 + GST. TVS Credit: Up to 5.9% (inclusive of GST). Fees can change and GST is usually extra, so check the Key Fact Statement.
What is the home loan processing fee at Bank of Baroda and TVS Credit?
Bank of Baroda: As printed on page (eff. 01.04.2025, excl. GST): up to Rs 50 lakh '50%' [sic, likely 0.50%], min Rs 8,500, max Rs 15,000. TVS Credit: not published. Fees can change and GST is usually extra, so check the Key Fact Statement.
What is the maximum home loan tenure at Bank of Baroda and TVS Credit?
Bank of Baroda: up to 30 years incl. moratorium up to 36 months; not beyond age 65 per faq. TVS Credit: not published.
How much personal loan can I get from Bank of Baroda and TVS Credit?
Bank of Baroda: Rs 1 lakh (metro/urban); Rs 0.50 lakh (rural/semi-urban) to Rs 20 lakh. TVS Credit: Rs. 30,000 to Rs. 2,00,000. The loan provider decides the final amount from your income, credit score and existing obligations.
Can I prepay or foreclose a home loan early at Bank of Baroda and TVS Credit?
Bank of Baroda: Nil; no prepayment penalty. TVS Credit: not published. Floating-rate loans to individuals cannot carry pre-closure charges; fixed-rate loans often do.
Which loans do Bank of Baroda and TVS Credit publish rates for?
Bank of Baroda: personal loan, home loan. TVS Credit: personal loan. Based on each loan provider's own website, checked 12 October 2026.
Are Bank of Baroda and TVS Credit regulated by the RBI?
Bank of Baroda is a bank regulated by the Reserve Bank of India (RBI); TVS Credit is a non-banking finance company registered with and regulated by the RBI. Check a loan provider's registration on the RBI website before you apply, and apply only through its official channels.
How do I compare Bank of Baroda and TVS Credit on real cost, not just the rate?
Ask each loan provider for its Key Fact Statement, then compare three numbers: the APR, the total amount you repay and the fees charged upfront, such as processing fee, documentation charge and insurance. The loan with the lower APR and the lower total repayment is the cheaper one, even when its headline rate looks higher.
Does my credit score change the rate at Bank of Baroda and TVS Credit?
Yes. Loan providers keep their lowest published rate for borrowers with a strong credit score, usually 750 and above, and steady income. A lower score or a short work history usually means a higher rate, a higher processing fee or a smaller loan amount.
Are the rates on this page the rate I will get?
No. They are the rates the loan providers publish, usually a range or a starting rate. Your approved rate depends on your credit score, income, loan amount, tenure and, for secured loans, the asset. Always read the Key Fact Statement before you sign.
Does KhatuLoans lend money or charge for this comparison?
KhatuLoans is not a loan provider. The loan provider decides approval, rate and terms. Our comparisons are free to read, and we are not paid by the loan providers named here to rank them. See how we make money on our advertiser disclosure page.
KhatuLoans is not a loan provider and is not paid by the loan providers named here to rank them. Rates, fees and eligibility change; always confirm with the loan provider. Read our editorial policy and how we make money.