I seriously advice not to take loan from bank of Baroda, they set 31 as the date of emi deduction for my home loan without consulting me and I have requested the manager of theBank of Baroda LDA branch Lucknow for 5 as the date of emi deduction but they said ab kuch nhi ho sakta madam.. Salary comes on 1 only after that I would be able to deposit emi but they set date according to their convenience and add extra interest with the emi. Very bad service even customer service is very poor.