CreditBrief

What Bank of Baroda lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹15.12 lakh crore (+5.8% since March).

Bank of BarodaPublic sector banks

₹14.30lakh croreglobal gross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers4thof 33 banks on CreditBrief, March 2026
Biggest segment28.1%Corporate, latest split (30 Sep 2026)
Share of the combined book6.7%of all banks on CreditBrief

Chapter 01 · The loan book

₹14.30 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Bank of Baroda's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from corporate down, and you get ₹14.30 lakh crore. By 30 Sep 2026 it was ₹15.12 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

35%People and households₹5.26 lakh croreHome LoansAuto LoansMortgages LoansEducation LoansPersonal Loans
40%Businesses₹6.01 lakh croreMSMECorporate

25% sits in lines the filing does not tie to either: Others, International Gross Advances.

Drilling down: what it lends against · 30 Sep 2026

  • Corporate₹4.26 lakh crore28.1%
  • International Gross Advances₹3.25 lakh crore21.5%
  • Agriculture₹2.02 lakh crore13.4%
  • MSME₹1.75 lakh crore11.6%
  • Home Loans₹1.59 lakh crore10.5%
  • Auto Loans₹63,324 crore4.2%
  • Others₹61,015 crore4%
  • Personal Loans₹40,625 crore2.7%
  • Mortgages Loans₹28,594 crore1.9%
  • Gold Loans (retail)₹13,693 crore0.9%
  • Education Loans₹13,302 crore0.9%
  • Others (retail)₹5,247 crore0.3%

Retail and MSME leave out bought-in loan pools. Agriculture includes ₹91,609 crore of gold loans to farmers. International includes ₹60,527 crore of loans against FCNR(B) deposits.

Sources: Bank of Baroda Investor Presentation Q4 FY26, PDF page 14 ↗ for March 2026; Bank of Baroda Investor Presentation Q2 FY27, PDF page 13 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 15% a year since March 2022.

From ₹8.18 lakh crore on 31 March 2022 to ₹14.30 lakh crore on 31 March 2026, and ₹15.12 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights35 figures from 15 filings · each checked against its pageHow it works
Bank of Baroda · loan book · 31 March 2026₹14.30lakh crore+16% in FY2025-26₹15.12 lakh crore by 30 Sep 2026
  1. 0115%a year since 2022Grew 15% a year from March 2022 to March 2026, faster than 13 of the 29 other banks with like-for-like figures for those years.
  2. 0216%in FY2025-26Growth picked up to 16% in FY2025-26, from 13% the year before.
  3. 034thamong peersHeld its place as the 4th biggest of these 33 banks from March 2022 to March 2026.
Deposits₹16.48 lakh crore+12% · in FY2025-26
Loans to deposits86.7%+3.1 pts · in FY2025-26
CASA ratio38.9%-1.1 pts · in FY2025-26
Corporate and wholesale loans₹4.57 lakh crore+11% · in FY2025-26
Branches8,648+2.7% · in FY2025-26
Mobile app users35.2 million+7.6% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · global gross advances8,18,1209,69,54810,90,50612,30,46114,29,87915,12,448
Corporate and wholesale loans₹ crore3,00,6933,40,4083,79,7474,12,2744,56,5844,25,736
Deposits₹ crore10,45,93912,03,68813,26,95814,72,03516,48,48717,45,435
CASA ratio%44.2442.2541.3339.9738.9036.37
BranchesNumber8,1688,2008,2438,4248,648
Mobile app usersMillion19.63030.632.735.235.9

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Bank of Baroda, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

Bank of Baroda, Q2 FY2026-27: loan book ₹15.12 lakh crore, +5.8% since March

  • ₹15.12 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Corporate, 28% of the book
  • Every figure links to page 13 of its filing

Chapter 03 · Among its peers

4th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 6.7% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Jobs at Bank of Baroda

Openings are on the lender's own careers page, which we loaded and read on the jobs page.

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Chapter 05 · Sources

Every number, traced to its filing.

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