Apply 24"7 from your convenient place end to end paperless process. Consider a customer avails a Digital Gold loan of Rs. 1,00,000/- for a period of 36 months at an interest rate of 11% per annum. (Not applicable For Overdraft,Demand Loan). " Net Banking Credentials or Digital bank statement for last 6 months. Explore our wide range of digital offerings designed to suit your needs. Your dream is just a few clicks away with Bank of Baroda Personal Loan. Buy a vehicle at low interest rate with Bank of Baroda Vehicle Loan. Make your dream university a reality now with Bank of Baroda Education Loan. For security reasons, Bank of Baroda recommends entering the Internet Banking password manually every time. • Delivery of OTP on email has been discontinued and the OTP delivery will be now only through SMS on registered Mobile number for both Retail and Corporate customers to enhance the security feature.