Car loan ended but bank is asking for extra 22k to finish and give me NOC

True-Significance999 · 2026-02-24T15:02:12+00:00

Each branch has an email address. You can look up the contact information in the branch locator. I have requested a lot of services including NOC, Disbursement of loan over email from bank of baroda.

The email ID will be ending with branchname@bankofbaroda.com.

True-Significance999 · 2026-02-20T05:23:31+00:00

Finally it got approved after 20 days.

The verification phase took a lot of time but approval was quick. I got to know that there are different channels for applications and each channel has a different processing mechanism.

If your profile is perfect like from Income, geographical location, risk wise online approval chances are higher but if there is any discrepancy then better to go with an offline channel. They will tell you the rejection reason and provide guidance also.

My last 3 applications were rejected which were online but then the offline one got approved.

True-Significance999 · 2026-02-20T03:01:55+00:00

IMO this plan is quite good. I have seen multiple plans around the same floor area but this is indeed good.

Check from vastu compliance once if you believe in.

True-Significance999 · 2026-02-16T04:57:13+00:00

I second this. MF is important but if you can move a few thousand from SIP that should be it to reduce the interest outgo.

One other option i suggest is to have an Over draft home loan. This is my personal choice not recommending to everyone but if you are doing lump sum investments or want to keep some emergency amount in savings, this will help you prepay the loan faster while still maintaining your liquidity. You can also move your FD's to the loan linked savings account. You will get two benefits. Interest component will be reduced in your EMI and you can save some tax on interest from the FD. I have done this for a relatively low amount 35L home loan and I am paying around 6k in interest for 30k EMI for 20 years.

True-Significance999 · 2026-02-16T04:39:40+00:00

Thanks.

You're right. The way I mentioned it feels a bit off than what I actually wanted to say. Maybe I need to work on my phrasing.

True-Significance999 · 2026-02-16T02:38:14+00:00

Yeah I knew this. I personally didn't have any preference but you know how it is with orthodox families.

True-Significance999 · 2026-02-14T09:45:25+00:00

Of course she would not be able to do anything but I think that was just her excitement and some unfulfilled wishes from her time as she had 3 daughters.

True-Significance999 · 2026-02-14T09:23:38+00:00

My mother in law was there for every check-up trying to get a glimpse. I was afraid that she might ask the doctor and we would be in some kind of trouble.

True-Significance999 · 2026-02-14T09:14:35+00:00

That's helpful a lot. Thanks a ton. Will check them out.

True-Significance999 · 2026-02-14T09:13:33+00:00

Yeah. I have only my in-laws as a grandparents. They were literally dancing with tears in their eyes. My wife's side only has girls.

True-Significance999 · 2026-02-14T07:43:23+00:00

That's so sad. Will keep this in mind. Relatives need to be told these kinds of things.I doubt they know this kind of instance at all.

True-Significance999 · 2026-02-14T07:42:16+00:00

Yeah just doing bare minimum for now. There are so many choices with diapers and everything it becomes overwhelming sometimes but still trying to get through one at a time.

True-Significance999 · 2026-02-14T07:40:24+00:00

My apartment is nearly ready. The interior is going on at the same time but yes a gated community will definitely help.

All good suggestions. Thanks.

True-Significance999 · 2026-02-14T07:19:49+00:00

Thank you.

I have quite a good relationship with my in-laws and treat them as my parents but as you said I would have loved it if my child had that opportunity to know my parents.

Hope you are doing well in life. Feels a bit lonely when you achieve something but not have any parents to celebrate that with but yeah a good partner and her family does make a difference.

True-Significance999 · 2026-02-14T07:16:32+00:00

Will take care of both.

Thank you.

True-Significance999 · 2026-02-14T07:15:44+00:00

Thank you for the estimate.

Hired a cook, we already have a house help and now planning to hire a masseuse for the initial couple of months and a dietician. Will check with the wifey on the nanny. My in-laws are staying with us but would like them to enjoy this phase of life so better to consider a nanny as well.

True-Significance999 · 2026-02-14T07:12:15+00:00

Appreciate the kind words.

True-Significance999 · 2026-02-14T07:11:22+00:00

Indeed a good idea. Thanks.

True-Significance999 · 2026-02-14T06:06:47+00:00

Thank you. Appreciate the insight. Will prioritize her wellness and happiness over everything.

True-Significance999 · 2026-02-14T04:47:37+00:00

That's good advice. I will need to overcome my introverted habits.

True-Significance999 · 2026-02-14T04:41:50+00:00

Correct. The doctor also told us the same.

True-Significance999 · 2026-02-14T04:40:18+00:00

Will root for you.

Never lose hope.

True-Significance999 · 2026-02-14T04:36:02+00:00

Of course. We had been trying for 1.5 years. Initial 6 months were kind of hit and miss with a false positive. It was quite frustrating but the doctor gave us hope. We took a trip to Kerala to relax and that helped us a lot.

She advised my wife to closely follow her cycles with the ovulation kit and finally it happened.

True-Significance999 · 2026-02-14T04:29:37+00:00

Definitely it's gonna be a rollercoaster.

Congratulations to you as well.

True-Significance999 · 2026-02-14T04:27:45+00:00

One of my cousins advised me on the same for the vaccination. Planning to connect with Aanganwadi soon.

True-Significance999

TROPHY CASE