Frequently Asked Questions (FAQs)

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  • How much time does it take for the Bank to sanction an advance?

    It depends upon the amount of the advance applied for since applications for the higher amount requires approval at higher levels of the bank and therefore, in such case, little more time is taken. Nevertheless, the bank endeavours to dispose of the advance-applications within 30 days at all levels.

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  • How can I approach the bank for an advance?

    Bank of Baroda has one of the largest network of domestic branches spread over all nooks & corners of India. All these branches are manned by highly experienced & skilled personnel ever ready to be of service to the customers. All you have to do to simply approach our branch manager, apprise him/her of your need, and, he/she shall be too glad to guide you how to proceed further according to your specific needs.

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  • What types of credit facilities can the Bank provide to assist my business needs?

    Bank of Baroda has a very wide bouquet of types of credit facilities that can be tailor-made to suit your specific requirements. In a nutshell, the Bank offers:

    A) Working capital finance by way of:

    Cash credit To provide cash/funds to procure stock, raw material, consumables, stores & spares.
    Bills purchase/discounting To provide cash/funds to meet business expenses.
    W./C. demand loan for short term (up to 1 year) requirements To replace high-cost existing borrowings from other banks/lenders for the above said purposes.
    Bills purchase/discounting
    W./C. term loans for long term (for over 1 year) requirements To replace high-cost existing borrowings from other banks /lenders for the above said purposes.

    B) Long term finance by way of:

    Short & long term loans To provide cash/funds to facilitate the purchase of fixed assets such as building, plant & machinery, equipment, furniture & fixtures, business vehicles, and other related assets and the supplier is ready to supply the assets on credit.
    Deferred payment guarantee To provide the Bank's credit for any of the above said purpose, if the supplier of the asset is agreeable to receive payment in instalments instead of receiving the payment immediately on or before the supply of the asset.

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  • How the advance is required to be repaid?
    • For working capital advances, the advance is expected to be liquidated within the period for which it is sanctioned, along with the timely servicing of interest as per the agreed terms.
    • For advances to acquire fixed assets, the repayment is agreed as per the repayment capacity reckoned with the expected cash flow from the business operations, and, therefore, it can be either equal or ballooning monthly/quarterly/half-yearly/yearly instalments or a bullet payment along with the timely servicing of interest as per the agreed terms or under Equated Monthly Instalments.

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  • What should I do if the branch I approached has not responded satisfactorily?

    Bank of Baroda has a highly dedicated customer-friendly team of personnel. Therefore, such a situation of not responding satisfactorily may not arise in the normal course. In such cases, you may immediately contact any of the following for expeditious redress of the grievance:

    • The Regional Manager in whose jurisdiction, the concerned branch is situated;
    • The customer help centre whose address is given on our website;
    • Our e-mail address

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  • If I have a plan to implement greenfield project/infrastructure project/information technology venture, whether the bank has any specialised team to look into my requirements?

    The Bank has a project finance division; infrastructure financing cell; technology financing cell: all manned by a battery of highly experienced specialised teams to cater to the varying needs of financing in such projects.

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  • Whether a foreign currency loan is also available from the Bank, if yes, whether can it be availed overseas?

    Bank of Baroda is among the most prominent purveyors of Foreign Currency Loans to Corporates in India. Moreover, due to the fact that Bank of Baroda has the largest network of overseas branches among all Indian Banks, the Bank can make available the foreign currency loan anywhere in the Globe and that too in the currency of your choice.

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  • If my company is enjoying credit facilities from other banks, and because of a temporary mismatch of cash flows or some unforeseen exigency, my company desires short-term advance, whether my company can approach your bank?

    Yes, Bank of Baroda believes in building new relationships and maintaining them for mutual growth & prosperity. Therefore, we welcome a customer even if it has not been banking with our bank.

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  • Whether the bank finances for the development of real estate such as housing complex, shopping complex etc.

    Yes, Bank of Baroda has set an ambitious target to provide finance for the real estate sector, which is a vital segment for a growing economy in a developing country like India, subject to strictly adhering to RBI guidelines on real estate advances.

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  • What is the minimum & maximum period for which I can avail advance from the Bank?

    The minimum period for which an advance may be sanctioned starts is one day. The maximum period for which an advance can be sanctioned depends upon:

    • The debt service capacity of the borrower reckoned from the cash flow from the business operations and;
    • The purpose of the advance. Usually, the advances for working capital requirements are sanctioned for a period of up to one year subject to renewal on satisfactory conduct of the relationship. The advances for the acquisition of fixed assets are sanctioned for a period longer than 1 year, stretchable up to 7 years.

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  • Who will give me the corporate benefits arising out of my holdings?

    The benefits will be given by the company. If at the time of book closure/record date, shares are in your broker's account, the company will give the corporate benefits (dividend/bonus) to the broker and the broker has to pass on the same to you.

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  • How would I get my dividend/interest or other cash entitlements?

    The concerned company obtains the details of beneficiary holders and their holdings as on the date of the book closure / record date from NSDL. The payment to the investors will be made by the company through the ECS (Electronic Clearing Service) facility, or by issuing warrants on which your bank account details are printed. The bank account details will be those which you would have mentioned in your account opening form or changed thereafter.

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  • How would I get my bonus shares or other non-cash entitlements?

    The concerned company obtains the details of beneficiary holders and their holdings as on the date of the book closure/record date from NSDL. Your entitlement will be credited by the company directly into your NSDL depository account.

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  • In case of discrepancies in corporate benefits, whom do I contact?

    In case of discrepancies in corporate benefits, you can approach your DP or the company/its R&T agents.

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  • How will the investor confirm that the bonus/rights entitlement is credited into the account?

    An allotment advice will be sent by the issuer/their R&T agent for bonus/rights entitlement. The transaction statement given by the DP, will also show the bonus/rights credit into the account. The quantity shown in the advice and statement of the transaction should match.

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  • What is BCMS?

    Baroda Cash Management Services (BCMS) is a software application that facilitates the management of customer funds, particularly, of corporate customers. Generally, corporate customers with large volumes of transactions are the target group for BCMS. It is a common practice in the industry that corporate customers, particularly, those who have either their own offices spread out across the country or those having suppliers/customers spread throughout the country, look to banks for their fund management activities. The main principle here is that corporates like to outsource their non-core activities to enable them to focus on their core business. BCMS is a product that aptly fits into such customer requirements and the system is prevalent in the banking industry for over a decade.

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  • What is customers' expectation?

    The corporate customers approach the banks not only to handle their collections and payments, but also help in minimizing idle funds and accounting, settlements, tracking of transactions, follow up and reconciliation. With a ‘wide area network’ our Bank has also launched BCMS since December 2008.

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  • How BCMS operates?

    There is an interface between the BCMS package (Cash@Will) and the CBS package (Finacle).

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  • What are the existing modes of collection and payment?


    • Paper-based products:
      • Local cheques collections
      • Outstation cheques collection
      • In house cheques collection
      • Post-dated cheque collection
      • Invoice management


    • Paper-based products:
      • Demand draft
      • Banker’s cheque
      • Customer’s cheque
      • Dividend warrants/interest warrants
    • Electronic products
      • Real Time Gross Settlement (RTGS)
      • National Electronic Fund Transfer (NEFT)
      • Internal Fund Transfer (IFT)
      • Electronic Clearing Services (ECS)

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  • What are the products of BCMS?
    • Collection Module
    • Payment Module
    • Liquidity Management Module

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  • What is a Collection Module?

    The Collection Module handles all inflow of funds in the customers’ accounts, which can be by way of

    • Cash deposit
    • Proceeds of local cheques
    • Proceeds of outstation cheques
    • Proceeds through DDI (Direct Debit Instructions) mandate, some Banks call it ADM (Automatic Debit Mandate)

    The inflow of funds is efficiently managed by the collection module of BCMS by capturing all relevant details of the three types of transactions listed above and thereby helping customers, both for their MIS as well as for reconciliation. The collection of cheques, whether local or outstation, can be programmed for pre-defined days, enabling the customers to forecast their financial position and helping them in financial decision-making. The pick-up of cheques from collecting branches and delivery of cheques at the destination branches by the courier can be tracked in the system and details furnished to the customers.

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  • What is a Payment Module?

    This module handles the outflow of funds. Payment Module supports multiple channels, such as, electronic mode or paper-based instruments like personalised cheques, demand drafts, dividends and interest warrants. BCMS website enables the customer to initiate electronic payments and funds will get paid to the beneficiary through RTGS/NEFT/IFT (Internal Fund Transfer) besides enabling the customer to view or download various Management Information System (MIS) reports etc.

    Wherever customers request for issuance of demand drafts in bulk, such as, for payments to suppliers or salary payments to employees, the same can be handled by the payments module, which will also keep a record of the payment of these demand drafts. A report can be generated and furnished to the customer right from issuance to payment of demand drafts. Similarly, personalized cheques issued by the customer through BCMS can also be tracked from issuance till payment and a report given to the customer. Likewise, interest warrants, refund orders etc. can also be arranged through the BCMS and tracked in the system facilitating quick reconciliation.

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  • What is Liquidity Management Module?

    Liquidity Management Module facilitates the sweeping of funds from various accounts of the customers and pooling them in a single account called ‘Concentration Account’. The funds available in this account help the customers in online decision-making. The Liquidity Management Module also facilitates funding of various accounts as per the requirement of the customers out of the balance available in the Concentration account. With this facility, the customer can pre-determine the balance in various accounts at the start of the day, intra-day or end of the day (known as target balance). The Liquidity Management Module facilitates both sweep-in and sweep-out from the Concentration account. The sweep-in and sweep-out facility will enable the target balance to be maintained in the contributing account.

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  • What is the price structure?

    The charges in BCMS products are customer-specific and negotiable looking to the volume of the business generated and to lure and attract our corporate clients for utilising BCMS products, competitive service charges vis-à-vis other banks for various products have been approved by our bank. These charges can be fixed, slab-wise, a percentage base for parameterization in the system. The price structure for BCMS products is circulated vide circular No. BCC:RM:101:73 dated 4.11.2009.

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  • What is Operational Model for BCMS?

    Operational Model is consisting of 3 tiers as listed below:

    • Data centre
    • Central Operational Hub (COH)
    • Branches: City Back Offices (CBO), Service branches and Local Main Offices, which are not yet on CBO model and identified BCMS branches. These are meant to function as Client Service Units.

    Activities proposed at different levels will be the following:

    • Data Centre
      • Security Maintenance and common parameterization of BCMS
      • All interfaces related issues between BCMS, CBS and Banks Website.
      • Development of customer specific reports wherever back-end system access is required.
    • Central Operational Hub (COH):The COH will be the nerve centre of the entire BCMS operation. It will house the Operations team.
    • The Operational team will have the following responsibilities:
      • Managing the customer master data at the COH level.
      • Generation of various reports for the Bank’s MIS purpose.
      • Accepting requests of customers for bulk printing of their cheques, DDs, Dividend Warrants, Interest Warrants, Refund Orders, etc., and carrying out this activity in the Central Operational Hub.
      • Day begin and day end operations for the BCMS. End of day will be done only after all Client Service Units have signed out of the BCMS.
      • Reconciliation of all the pool accounts and generation of MIS reports.
    • Client Service Units:
    • The following functions will be performed by the Client Service Units:
      • All outward clearing activities, outstation cheque collections, management of post-dated cheques.
      • Managing online RTGS, NEFT, ECS payment
      • Front-level reports for BCMS customers (other than those which are generated at the COH)
      • Collection of cash by units other than the service branches and enriching the transaction data in BCMS.
      • Collection of cheques drawn on our bank and effecting Internal Fund Transfer (IFT).

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  • Is online facility available?

    Yes, the website for our corporate customers is

    The reports in the format desired by customer from all three modules will be made available to them through Bank’s website. Corporate customers can also initiate electronic payment in individual or batch of transactions.

    • Front-end provided to the customer for payment initiation.
    • The customer will be provided with user-ids, who can create, view, transactions.
    • Various payment and collection reports can be downloaded by the customer e.g. Instrument Status report, Payment due report, details of cheque collection report.

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  • What are the identified BCMS centres?

    It is proposed to start BCMS products at 100 identified centres vide circular no. BCC/BR/100/338 dated 1.12.2008. At present, Collection Module is rolled out at 11 centres and Payment Module can be availed from Central Operation Hub (COH) in Mumbai.

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  • What are the criteria for micro & small Enterprises?

    The micro, small and medium enterprises in the manufacturing and service sector are defined as under in MSMED act, 2006.

    Particulars Investment in plant & machineries in case of manufacturing enterprises Investment in equipment in case of service sector enterprises
    Micro enterprises Up to Rs. 25 lakhs Up to Rs. 10 lakhs
    Small enterprises Above Rs. 25 lakhs and up to Rs. 500 lakhs Above Rs. 10 lakhs and up to Rs. 200 lakhs
    Medium enterprises Above Rs. 500 lakhs and up to Rs. 10 crores Above Rs. 200 lakhs and up to Rs. 500 lakhs

    The micro and small (service) enterprises shall include small road & water transport operators, small business, professional & self-employed persons, retail trade i.e. advances granted to retail traders dealing in essential commodities (fair price shops), consumer co-operative stores and advances granted to private retail traders with credit limits not exceeding Rs. 20 lakhs and all other service enterprises, as per the definition under MSMED Act.

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  • Whether term finance and working capital finance is sanctioned by the Bank?

    Yes. Both term finance and working capital facilities are sanctioned by the Bank.

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  • Is collateral security required?

    No collaterals/third-party guarantee for loans up to Rs. 100 lakhs which are covered under CGTMSE. For other accounts which are not covered under CGTMSE, the Bank may stipulate collaterals as per Bank’s guidelines.

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  • Whether a borrower, who has availed certain credit facilities secured by collaterals and/or third party guarantees and is sanctioned distinct/separate credit facility without collateral security/third party guarantee, can be covered under CGTMSE scheme?


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  • What is the procedure for selling dematerialised securities

    The procedure for selling dematerialised securities is very simple. After you have sold the securities, you would instruct your DP to debit your account with the number of securities sold by you and credit your broker's clearing account. This delivery instruction has to be given to your DP, using the delivery instruction slips given to you by DP at the time of opening the account. The procedure for selling securities is given here below:

    • You sell securities in any of the stock exchanges linked to NSDL through a broker.
    • You give instructions to your DP to debit his account and credit the broker's (clearing member pool) account.
    • Before the pay-in day, your broker gives instruction to the DP for delivery to clearing corporation.
    • Your broker receives payment from the stock exchange (clearing corporation)
    • You receive payment from the broker for the sale of securities.

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  • How can I purchase dematerialised securities?

    For receiving demat securities you may give a one-time standing instruction to your DP. This standing instruction can be given at the time of account opening or later. You may also choose to give separate receipt instructions every time some securities are to be received.

    The transactions relating to the purchase of securities are summarised below:

    • You purchase securities through a broker.
    • You make payment to your broker who arranges payment to clearing corporation on the pay-in day.
    • Your broker receives a credit of securities in clearing account on the pay-out day.
    • Your broker gives instructions to the DP to debit clearing account and credit your account.
    • You receive shares into its account. However, if standing instructions are not given at the time of opening the account, you will have to give 'receipt instructions' to your DP for receiving credit.

    You should ensure that your broker transfers the securities purchased from his clearing account to your depository account, before the book closure. If the securities remain in the clearing account of the broker, the company may give corporate benefits to the broker. In that case, you have to collect benefits from your broker.

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  • What do you mean by 'market trades' and 'off market trades'?

    Any trade settled through a clearing corporation is termed as the 'market trade'. These trades are done through stockbrokers on a stock exchange. 'Off market trade' is one which is settled directly between two parties without the involvement of the clearing corporation. The same delivery instruction slip can be used either for market trade or off-market trade by ticking one of the two options.

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  • If I sell securities through a sub-broker which part of the delivery instruction slip has to be filled?

    If you are delivering securities to your sub-broker, you would need to fill in the off market trade portion of the delivery instruction slip.

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  • What settlement details are required on the delivery instruction slip and when delivery is to be given to a broker?

    On every stock exchange, various settlements are affected every day such as weekly settlement, daily settlement, auction settlement, etc. Each of these settlements is identified by the combination of the market type and the settlement number. You are required to mention the appropriate settlement details on the delivery instruction slip while transferring the shares to your broker's account. These settlement details are available on the contract note issued by the broker.

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  • How do I come to know about the settlement deadlines?

    The depository participant with whom you have your demat account will prescribe the deadlines to be followed by you for submission of delivery instruction slips. You should deliver instructions to your DP as per these deadlines.

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  • When I buy shares, in what time should I receive the securities from my broker?

    The broker is expected to transfer the securities to you within 2 working days or 4 calendar days after the securities are received in his pool account, provided you have made the requisite payment to the broker.

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  • What precautions do I need to observe with respect to Delivery Instruction Slips (DIS)?

    The following precautions are to be taken:

    • Ensure and insist with your DP to issue DIS book; do not use loose slips.
    • Ensure that DIS numbers are pre-printed and DP takes acknowledgment from you for the DIS booklet issued to you.
    • Ensure that your account number (client ID) is pre-stamped.
    • If your account is a joint account, all the joint holders have to sign the instruction slips. Instruction cannot be executed if all joint holders have not signed.
    • Avoid using loose slips.
    • Do not leave signed blank DIS with anyone viz., broker/sub-broker.
    • Keep the DIS book under lock and key when not in use.
    • If only one entry is made in the DIS book, strike out the remaining space to prevent misuse by anyone.
    • Please fill in the target account ID yourself; and all details in the DIS yourself.

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  • What is the 'execution date' given in the delivery instruction form?

    The execution date is the date on which securities will be actually debited from your account. The execution date written on the delivery instruction has to be entered by the DP in the DPM system (computer). DPM system will record the date and will debit your account only on that date. You may issue the instruction well in advance of the date on which you want the securities to be debited from your account but your account will be debited only on the execution date.

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  • What benefit do I get by giving delivery instruction with a future execution date?

    By giving a future dated instruction the risk of non-execution of instruction due to lack of time or last-minute rush is covered.

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  • What is the importance of ‘record dates’ to me?

    In case the securities bought by you are yet to be transferred into your account by your broker before the book closure/record date, you will not be entitled to receive corporate benefits such as dividend or bonus since your name will not figure in the list of beneficial owners. Hence, you must ensure that securities bought by you are transferred into your account before the book closure/record date announced by the company.

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  • Can I buy and sell shares through DP?

    No. Shares can be bought and sold only through a stockbroker. DP facilitates delivering the shares against a sell transaction or receiving the shares for a buy transaction.

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  • Central Government Securities (G-Sec)

    These are risk-free sovereign coupon-bearing instruments that are issued by the Government of India. The tenor of these instruments can be from very short term (say, of less than one year) to a very long term (say, 20 years). These instruments have fixed coupons paid on specific dates on a half-yearly basis. Securities are available in primary and secondary markets. Returns on these instruments are reasonably certain.

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  • Treasury Bills

    These are discounted zero-coupon instruments. Maturity periods can be up to 364 days. These are by far the most liquid instruments with relatively attractive returns.

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  • Commercial Paper (CP)

    CPs are short-term unsecured promissory notes issued by highly rated corporates, Primary dealers (PD), Satellite Dealers (SD) and Financial Institutions (FI). The tenor of such instruments may vary from a minimum 15 days to 1 year. These instruments are to be necessarily rated by reputed credit rating agencies (with a minimum rating of P-1 or other approved rating by RBI). Corporates having a minimum net worth of Rs. 4 crores and a borrowal account classified as 'Standard' by the financing bank/s may issue CPs. Minimum investment for a single investor has to be Rs. 5 lakhs or multiple thereof.

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  • Interest Rate Swap (IRS)

    It is an OTC product involving an exchange of interest flows in the same currency between two counterparties. These instruments never involve exchange of the principal amount. Exchange of interest rates can be of two types viz. Fixed Vs Floating or may be Floating Vs Floating. Under the former type, Fixed Rate Payer will have to pay Fixed Swap rate while the Floating Rate Payer will pay only Floating Interest Rate. The settlement will be on a net basis. Both the legs of interest rates are determined with reference to acceptable benchmark rates.

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  • Who can undertake IRS and what type of?

    Banks, PDs and FIs are allowed to enter into Rupee swaps for hedging purposes as well as for market-making. Corporate customers can only use this product as a tool for hedging their exposures. All entities are allowed to enter into FCY swaps only for the purpose of hedging their interest rate risk on their underlying assets/liabilities.

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  • Forward Rate Agreement (FRA)

    A Forward Rate Agreement (FRA) is an agreement whereby an interest rate is fixed now for a period in the future for a specified notional principal amount. It is an OTC product and does not involve any exchange of principal amount. The difference between the FRA Rate and the actual market rate on the maturity date is paid by one party to the other. If the market rate is higher than the FRA rate, the seller pays the buyer whereas, in case the market rate is lower than the FRA rate, the buyer pays the seller.

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  • Currency Swaps

    A Currency Swap is defined as an exchange of principal and/or interest payments on a loan or asset in one currency for principal and/or interest payments on an equivalent loan or asset in another currency at pre-fixed spot/forward rate agreed on the trade date. For example, a customer in India having a loan in USD may enter into a currency swap in order to hedge its USD interest rate risk as well as the USD/INR exchange risk. Under this type of swap, the client may cover either only interest payment or principal repayment or both.

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  • Options
    • An Option offers the buyer/holder the right, but not the obligation, to buy or sell a specified amount of the underlying asset at an agreed rate on or before a specified future date. This arrangement, by natural extension, puts the obligation, not the right, to buy or sell the underlying asset at the pre-determined price at a specified future date. For the right to exercise the option, the buyer pays the seller/writer a premium, which is called the option price.
    • Option may either be a Call Option or a put option. Under the Call Option, the buyer has the right to buy the underlying asset whereas, under the Put Option the buyer enjoys the right to sell the underlying asset.
    • Among the various types of Options are the Interest Rate Options (Bonds Option, caps, Floors, Collars etc.) and Currency Options. Interest Rate Option offers the buyer the right, not the obligation, to fix at a point of time in the future, either the interest rate on a notional deposit or loan or the price of an instrument. With such instruments, buyer is protected against an adverse interest rate movement while retaining the ability to benefit from a favourable movement. A Currency Option gives the buyer the right, not the obligation, to exchange two currencies at a fixed rate at a future point of time. Under this type of Option buyer's downside risk is eliminated while retaining the unlimited upside potential.
    Treasury Branch Shri D. N. Jhumarvala
    Tel - 91-22-6636 3601 (Direct) 91-22-6636 3636(General) Fax - 91-22-6636 3636 Address - Baroda Sun Tower, 4th & 5th Floor, C-34, G Block, Bandra Kurla Complex, Mumbai - 400 051.
    Money Markets Desk Tel : 91-22-6636 3604/ 6636 3621 / 6636 3622 Fax : 91-22-6759 2840
    Corporate Bonds Desk Tel : 91-22-6636 3604 / 6636 3621 / 6636 3622 Fax : 91-22-6759 2840
    G-Sec Desk Tel : 91-22-6636 3604 / 6636 3621 / 6636 3622 Fax : 91-22-6759 2840
    Forex Desk Tel : 91-22-6636 3604 / 6636 3621 / 6636 3622 Fax : 91-22-6759 2840
    Derivatives Desk Tel : 91-22-6636 3604 / 6636 3621 / 6636 3622 Fax : 91-22-6759 2840
    Equity Desk Tel : 91-22-6636 3604 / 6636 3621 / 6636 3622 Fax : 91-22-6759 2840
    Mid Office Assistant General Manager : 91-22-6636 3669 / 6759 2819
    Back Office Assistant General Manager: 91-22-6759 2502 Chief Manager : 91-22-6759 2631
    Nostro Reconciliation 91-226759 2695 / 6759 2684

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