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Interest Rates & Charges

  • Interest Rates & Charges
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For Domestic & NRO Term Deposits [Per Annum] [Fresh & Renewal] [Callable] (ROI in %)
- Below Rs. Two Crore

Tenors Below Rs 2 Cr. (w.e.f. 16.11.2020)
7 days to 14 days 2.80
15 days to 45 days 2.80
46 days to 90 days 3.70
91 days to 180 days 3.70
181 days to 270 days 4.30
271 days & above and less than 1 year 4.40
1 year 4.90
Above 1 year to 400 days 5.00
Above 400 days and upto 2 Years 5.00
Above 2 Years and upto 3 Years 5.10
Above 3 Years and upto 5 Years 5.25
Above 5 Years and upto 10 Years 5.25
Above 10 years (for MACT/MACAD
Court Order schemes only)		 5.10

*In the current challenging situation brought by COVID-19, Bank has agreed to continue to pay additional rate to Resident Senior Citizen for less than RS.2.00 Crores as under:
1. 0.50% for all tenors up to 5 years.
2. 1.00% for "Above 5 years to up to 10 years" tenor and valid till 30.06.2021.

For Domestic & NRO Term Deposits [Per Annum] [Fresh & Renewal] [Callable] (ROI in %) Rs. 2 Crore to upto Rs. 10 Crore

Tenors Rs 2 Cr. to upto Rs 10 Cr.
(w.e.f. 09.03.2021)
7 days to 14 days 2.90
15 days to 45 days 2.90
46 days to 90 days 2.90
91 days to 180 days 2.90
181 days to 270 days 3.05
271 days & above
and less than 1 year		 3.05
1 year 3.55
Above 1 Year and
upto 2 Years		 3.25
Above 2 Years and
upto 3 Years		 4.10
Above 3 Years and
upto 5 Years		 3.25
Above 5 Years and
upto 10 Years		 3.25

Interest Rates for Domestic Term Deposits & NRO Deposits of Above Rs 10 Crores to upto Rs 50 Crores (Fresh & Renewal)

Maturity Range Amount of Deposit Per receipt
Above Rs 10 cr. to upto Rs 25 cr.
(w.e.f. 09.03.21)		 Above Rs 25 cr. to upto Rs 50 cr.
(w.e.f. 09.03.21)
7 days to 14 days 2.90 2.90
15 days to 45 days 2.90 2.90
46 days to 90 days 2.90 2.90
91 days to 180 days 2.90 2.90
181 days to 270 days 3.05 3.05
271 days & above and
less than 1 year		 3.05 3.05
1 year 3.55 3.55
Above 1 Year and upto 2 Years 3.25 3.25
Above 2 Years and upto 3 Years 4.10 4.10
Above 3 Years and upto 5 Years 3.25 3.25
Above 5 Years and upto 10 Years ** **

Interest Rates for Domestic Term Deposits & NRO Deposits of Above Rs 50 Crores to upto Rs.100 Crores & above Rs 100 Crores (Fresh & Renewal)

Tenors Amount of Deposit Per receipt
Above Rs 50 cr. to upto Rs 100cr.
(w.e.f. 09.03.2021)
7 days to 14 days 2.90
15 days to 45 days 2.90
46 days to 90 days 2.90
91 days to 180 days 2.90
181 days to 270 days 3.05
271 days & above and
less than 1 year		 3.05
1 year 3.55
Above 1 Year and upto 2 Years 3.25
Above 2 Years and upto 3 Years 4.10
Above 3 Years and upto 5 Years 3.25
Above 5 Years and upto 10 Years **

Interest Rates for Domestic Term Deposits & NRO Deposits of Above Rs.100 Crores (Fresh & Renewal)

Tenors Amount of Deposit Per receipt
Above Rs 100 cr. to upto Rs 500cr.
(w.e.f. 09.03.2021)		 Above Rs 500 cr. to upto Rs 1000cr.
(w.e.f. 09.03.2021)		 Above Rs 1000 cr.
(w.e.f. 09.03.2021)
7 days to 14 days 2.90 2.90 2.90
15 days to 45 days 2.90 2.90 2.90
46 days to 90 days 2.90 2.90 2.90
91 days to 180 days 2.90 2.90 2.90
181 days to 270 days 3.05 3.05 3.05
271 days & above and
less than 1 year		 3.05 3.05 3.05
1 year 3.55 3.55 3.55
Above 1 Year and upto 2 Years 3.25 3.25 3.25
Above 2 Years and upto 3 Years 4.10 4.10 4.10
Above 3 Years and upto 5 Years 3.25 3.25 3.25
Above 5 Years and upto 10 Years ** ** **

Baroda Tax Savings Term Deposit (w.e.f. 16.11.2020)

Tenors Deposit [Per Annum] less than Rs 2 Cr. Sr. Citizen(w.e.f 16.11.2020)
For 5 years 5.25 5.75
Above 5 years to up to 10 years 5.25 6.25

Note: Sr. Citizen Rate IS applicable only for "Resident Indian Sr. Citizen" .

*Premature withdrawal not allowed before completion of 5 years except in case of death of the customer

  • Capital Gain Accounts Scheme, 1988

    For all Deposits under Capital Gain Accounts Scheme, 1988, interest rate will be applicable as per normal time & period. It will also not be in order to offer higher/differential rate of interest on deposits received under the Capital Gains Accounts Scheme, 1988.

  • Domestic Term Deposits for Citizens

    Branches may continue to pay an additional interest on domestic term deposits of less than Rs.2.00 Crores
    1. 0.50% for all tenors in below 5 years.
    2. 1.00% for “Above 5 years to up to 10 years” tenor and valid till 30.06.2021.

As regards premature withdrawal of Deposits of Rs.1.00 Crore and Above, the below mentioned conditions as per our circular Nos. BCC/BR/110?540 Dated 31/10/2018 and BCC/BR/111/122 Dated 11/03/2019 shall remain applicable:

  • 31 days prior notice, and
  • Penalty @1.5% on applicable rate of interest for the period for which the deposit has remained with the Bank

For Baroda Advantage Fixed Deposit (Domestic) Accounts (Non Callable) Fresh & Renewal) - Minimum Rs. 15.01 lakhs to below Rs. Two Crore

Tenors Below Rs 2 Cr. (w.e.f. 16.11.2020)
1 year 4.95
Above 1 Years to 400 days 5.05
Above 400 days and upto 2 Years 5.05
Above 2 Years and upto 3 Years 5.15
Above 3 Years and upto 5 Years 5.35
Above 5 Years and upto 10 Years 5.35

For Baroda Advantage Fixed Deposit (domestic) Accounts (Non Callable)(Deposit amount: Rs. 2 Cr. and above)

Non-Callable Bulk deposits of Rs.2.00 crore and above will also have additional interest upto 10 bps over the applicable rate of interest for Normal Bulk Deposits (callable) as per the maturity period of deposits as decided by The Treasury Department, BCC

For Baroda Advantage Fixed Deposit (domestic) Accounts (Non Callable)

Tenors ROI for Deposits of Rs. 2 Cr.
to upto Rs. 10 Cr.
(w.e.f.09.03.2021)		 Above Rs. 10 Cr.
to upto Rs. 25 Cr.
(w.e.f. 09.03.2021)		 Above Rs. 25 Cr.
to upto Rs. 50 Cr.
(w.e.f.09.03.2021)		 Above Rs. 50 Cr.
to upto Rs. 100 Cr.
(w.e.f.09.03.2021)		 Above Rs. 100 Cr.
to upto Rs 500 Cr.
(w.e.f.09.03.2021)		 Above Rs. 500 Cr.
to upto Rs 1000 Cr.
(w.e.f.09.03.2021)		 Above Rs. 1000 Cr.
(w.e.f.09.03.2021)
1 year 3.65 3.65 3.65 3.65 3.65 3.65 3.65
Above 1 Years and upto 2 Years 3.35 3.35 3.35 3.35 3.35 3.35 3.35
Above 2 Years and upto 3 Years 4.20 4.20 4.20 4.20 4.20 4.20 4.20
Above 3 Years and upto 5 Years 3.35 3.35 3.35 3.35 3.35 3.35 3.35
Above 5 Years and upto 10 Years 3.35 - - - - - -
Savings Bank Deposits Interest Rate (% p.a.)
(w.e.f. 12.02.2021)
Upto Rs. 1/- Lakh. 2.75
Above Rs. 1/- Lakh. to less than Rs.200 crores 2.75
Rs.200 crores and above to less than Rs.1000 crores 3.05
Rs.1000 crores and above 3.20

Foreign Currency Non-resident Deposit - FCNR(B) - w.e.f. 01.05.2021. The rates shall be effective up to 31.05.2021.

Maturity Period USD GBP EUR AUD
1 Yr. to less than 2 yrs. 0.58
(0.58)		 0.49
(0.48)		 0.00
(0.00)		 0.22
(0.23)
2 Yrs. to less than 3 yrs. 0.65
(0.65)		 0.67
(0.64)		 0.00
(0.00)		 0.31
(0.29)
3 Yrs. to less than 4 yrs. 0.85
(0.87)		 0.83
(0.78)		 0.00
(0.00)		 0.44
(0.46)
4 Yrs. to less than 5 yrs. 1.09
(1.13)		 0.97
(0.92)		 0.06
(0.02)		 0.72
(0.76)
5 Years 1.32
(1.38)		 1.08
(1.04)		 0.15
(0.10)		 0.97
(1.02)

Figures in bracket ( ) indicate rate of interest before revision.

The above revised rates will be applicable for fresh and existing FCNR (B) deposits which are renewed on maturity.

Please note that no additional interest is permitted to Senior Citizen and Staff.

All Branches are requested to take a careful note of the above.

Baroda Advantage Fixed Deposit (Non Callable) for NRIs NRE/NRO Deposit Rs. 15.01 lacs to below Rs.2/- Crores

Maturity Range For NRE/NRO Deposit Rs. 15.01 lacs to below Rs.2/- Crores
ROI for Baroda Advantage Fixed Deposit for NRIs (Non Callable) after adding 05 basis points (W.E.F. 16-11-2020)
1 year 4.95
Above 1 year and upto 400 days 5.05
Above 400 days and upto 2 years 5.05
Above 2 years and upto 3 years 5.15
Above 3 years and upto 5 years 5.35
Above 5 years and upto 10 years 5.35

NRE Term (Rupee) Deposits [Fresh & Renewal] [Callable] (ROI in %) –Below Rs. Two Crore (w.e.f. 16.11.2020)

Tenors Below Rs.2.00 crore
1 year 4.90
Above 1 Years to 400 days 5.00
Above 400 days and upto 2 Years 5.00
Above 2 Years and upto 3 Years 5.10
Above 3 Years and upto 5 Years 5.25
Above 5 Years and upto 10 Years 5.25

NRE Term (Rupee) Deposits (w.e.f 09.03.2021)

Maturity Range Rs.2 crore to upto Rs. 10 crores
1 Year 3.55
> 1 yr. upto 2 yrs. 3.25
> 2 yrs. upto 3 yrs. 4.10
> 3 yrs. upto 5 yrs. 3.25
>5 years upto 10 years 3.25

NRE Term Deposits of Above Rs. 10 crores to upto Rs.50 Crores (Fresh & Renewal)

Maturity Range Amount of Deposit Per receipt
w.e.f. 09.03.2021
Above Rs.10 cr. to upto Rs.25 cr. Above Rs.25 cr. to upto Rs.50 cr.
1 year 3.55 3.55
> 1 year up to 2 years 3.25 3.25
> 2 years up to 3 years 4.10 4.10

NRE Term Deposits of Above Rs. 50 crores and More (Fresh & Renewal)

Maturity Range Amount of Deposit Per receipt
Above Rs.50 cr. to Rs.100 cr
(w.e.f 09.03.2021).		 Above Rs.100 cr. to Rs.500 cr
(w.e.f 09.03.2021).		 Above Rs.500 cr. to Rs.1000 cr
(w.e.f 09.03.2021).		 Above Rs.1000 cr
(w.e.f 09.03.2021).
1 year 3.55 3.55 3.55 3.55
> 1 yr. upto 2 yrs. **** **** **** ****
> 2 yrs. upto 3 yrs **** **** **** ****
> 3 yrs. upto 5 yrs. **** **** **** ****
> 5 yrs. upto 10 yrs. **** **** **** ****

Note

As hitherto the above rates are not to be loaded with any other type of additional rate of interest (like Sr. Citizen, army/naval groups, staff account etc.) for any purpose what so ever it may be.

Rules regarding payment and calculation of interest on time deposits

Interest accrued on a time deposit, would ordinarily be paid, only on maturity. However, at the request of the depositor, interest on deposits of -12- months and over, can be paid before maturity on the following basis:-

Monthly, quarterly or half yearly interest on completion of the month/quarter/half year calculated from the date of deposit or end of each calendar month / quarter / half year, whichever is later.

Interest payable under the Monthly Income Plan is the discounted value of interest payable in terms of IBA code for Banking practice. i.e. interest received under Monthly Income Plan will be less than simple interest.

For calculation of interest on term deposits for periods less than -12- months, the following methodology would be adopted:- ( w.e.f.01.10.2017)

  • Deposit placed for period less than one quarter / 3 months, interest will be calculated for the actual number of days on the basis of 365/366 days in a year.
  • Deposit placed for more than one quarter / 3 months to less than or equal to 181 days /6 months interest will be calculated first for completed quarter and thereafter for actual number of days if terminal quarter is incomplete reckoning the year at 365/366 days. While calculating interest for days the interest calculated for quarter will be added to principal amount for calculating interest for remaining days of terminal quarter.
  • Deposit placed for more than two quarters / six months but less than one year interest will be calculated first for completed quarters and for terminal incomplete quarter, actual number of days reckoning the year at 365/366 days. Interest will be calculated and compounded at quarterly rests.

Standing Instructions are accepted for credit of periodical interest in case of monthly / quarterly / half yearly interest on deposits to customers Current / Savings Bank account.

Method of calculation of interest adopted for Term deposit (period of deposit more than a year ) w.e.f. 01.03.2012

In all cases of domestic term deposits (period of deposit more than a year) where the terminal quarter is incomplete, interest will be calculated for the actual number of days, reckoning the year 365/366 days viz. the calculation of interest on such deposits will be in order of completed quarters and days . Interest will be compounded on quarterly basis.

You can see below link also

Repo Rate: 4.00%

Marginal Cost of funds based Lending Rate (MCLR)

MCLR rate w.e.f from 12.04.2021

Sr. No. MCLR Benchmark MCLR in (%) w.e.f. 12.04.2021
1 Overnight MCLR 6.55
2 1 Month MCLR 7.00
3 3 Month MCLR 7.15
4 6 Month MCLR 7.25
5 1 Year MCLR 7.40
Base Rate (per annum) w.e.f. 01.07.2020 8.15%

Our BPLR for all the existing accounts is 12.45% per annum w.e.f from 01.07.2020

Rate of interest for Mid/Large Corporate/ Non-regulatory/SME expanded advances linked to Base Rate w.e.f 01.08.2020

Rating Large and Mid Corporate Advances Non regulatory SME /SME Expanded Advances
CR-1 BR+1.25% BR+1.25%
CR-2 BR+1.80% BR+1.35%
CR-3 BR+3.00% BR+1.85%
CR-4 BR+3.75% BR+2.40%
CR-5 BR+4.75% BR+3.25%
CR-6 & Below BR+7.00% BR+5.70%

The existing tenor based credit risk premium applies only for Base rate linked exposures which is as under:

Period Tenor Premium
Less than 3 years N.A.
3 Yr up to 5 Yr 0.10%
5 Yr up to 7 Yr 0.15%
7 Yr up to 10 Yr 0.20%
Above 10 Yr 1.00%

The tenor linked base rate will apply as per existing terms with the borrowers.

An additional ROI @ 1% to be charged, in respect of all corporate exposures that are unrated externally and have exposure of INR 100 Crores and above from the banking system or rated worse than BBB.

The Strategic premium on various advances will be applicable as it is.

Advances where total exposure is greater than INR 5 Crs or Turnover is greater than INR 25 Crs would be treated as Corporate exposure.

Rate of interest for Mid/Large Corporate/ Non-regulatory/SME expanded advances linked to MCLR w.e.f 01.08.2020

Rating Large and Mid Corporate Advances Non regulatory SME /SME Expanded Advances
CR-1 MCLR + 1.25% MCLR + STRATEGIC PREMIUM + 1.00%
CR-2 MCLR + 1.80% MCLR + STRATEGIC PREMIUM + 1.25%
CR-3 MCLR + 3.00% MCLR + STRATEGIC PREMIUM + 2.45%
CR-4 MCLR + 3.75% MCLR + STRATEGIC PREMIUM + 3.00%
CR-5 MCLR + 4.75% MCLR + STRATEGIC PREMIUM + 3.85%
CR-6 & Below MCLR + 7.00% MCLR + STRATEGIC PREMIUM + 6.25%

These spreads will apply to fresh sanctions and fresh sanctions and renewals of the existing facilities after the due date where the reference rate is MCLR.

Rate of interest on Bill Discounted under LC for all categories

A B
Tenor of Bills Bill Discounting under Domestic LC / Foreign LC Bills Discounted in INR Bill Discounting in Foreign Currency under Foreign LC
Upto 3 Months 3 Months T Bill Rate + 1.25% subject to minimum floor rate of 5.75% p.a. 3 Months LIBOR + 0.75%
Above 3 months and upto 6 months 6 Months T Bill + 1.50% subject to minimum floor rate of 6.00% p.a.

Retail Loan

In terms of guidelines issued by Reserve Bank of India regarding implementation of External Benchmark Based Lending rates. Bank has introduced Baroda Repo Linked Lending Rate (BRLLR) in respect of all Retail Lending products w.e.f 01.10.2019.

RATE OF INTEREST ON VARIOUS LOANS LINKED WITH BARODA REPO LINKED LENDING RATE (BRLLR)- w.e.f.15.03.2021

For Retail Loans applicable BRLLR is 6.75% w.e.f. 15.03.2021 (Current RBI Repo Rate:4.00%+Mark-Up-2.75%), S.P.0.25%

Please contact your base branch for conversion of Rate of Interest from MCLR to BRLLR

Product

Rate of Interest

1.

BARODA HOME LOAN &
BARODA HOME IMPROVEMENT LOAN

BRLLR to BRLLR+1.60% (As per Risk Rating of the applicant/s.)
For Staff Members (Public scheme): BRLLR

Baroda Home Loan Advantage

Upto Rs.75.00 Lacs : ROI as applicable to regular Home Loan
Above Rs.75.00 Lacs: 0.25% + ROI as applicable to regular Home Loan

Baroda CRE Home Loan

0.25% + ROI as applicable to regular Home Loan

Baroda CRE Home Loan (Advantage)

Upto Rs.75Lacs : 0.25% + ROI as applicable to regular Home Loan
Above Rs.75 Lacs : 0.50% + ROI as applicable to regular Home Loan

Baroda Top Up Loan

Applicable ROI on linked Home Loan + Strategic Premium +0.60%

*Risk Premium of 0.05% will remain applicable as per extant guidelines for customers not obtaining credit insurance cover

2.

BARODA MORTGAGE LOAN - INDIVIDUALS
Tenor up to 120 Months Tenor above 120 Months & up to 180 Months)
Facility up to Rs.7.50 Cr Facility above Rs.7.50 Cr Facility up to Rs.7.50 Cr Facility above Rs.7.50 Cr
From BRLLR + SP + 1.20% TO BRLLR + SP + 6.10%
(As per Risk Rating of the applicant/s.)		 From BRLLR + SP + 1.45 % to BRLLR + SP + 6.35%
(As per Risk Rating of the applicant/s.)		 From BRLLR + SP + 1.70% TO BRLLR + SP + 6.60%
(As per Risk Rating of the applicant/s.)		 From BRLLR + SP + 1.95 % to BRLLR + SP + 6.85%
(As per Risk Rating of the applicant/s.)

Baroda Mortgage Loan – Non Individuals


Margin		 Tenor up to 120 Months Tenor above 120 Months & up to 180 Months)
Facility up to Rs.7.50 Cr Facility above Rs.7.50 Cr Facility up to Rs.7.50 Cr Facility above Rs.7.50 Cr
Above 50% BRLLR + SP+1.45% BRLLR + SP+1.70% BRLLR + SP+1.95% BRLLR + SP+2.20%
Upto 50% BRLLR + SP+1.95% BRLLR + SP+2.20% BRLLR + SP+2.45% BRLLR + SP+2.70%

Additional 0.50% above card rates for overdraft facility

3.

BARODA ASHRAY (REVERSE MORTGAGE LOAN)

 BRLLR + Strategic Premium + 2.10%

4.

5.

BARODA EDUCATION LOAN

Baroda Vidya

BRLLR + Strategic Premium + 2.85%

Baroda Gyan

BRLLR +2.00% (including Strategic Premium)

Baroda Education Loan to Students of Premier Institutions
(For Studies in India)

 List-AA / A Institutions : BRLLR
List B:
Upto 7.50 Lacs: BRLLR + 1.10% (including Strategic Premium)
Above 7.50 Lacs: BRLLR + 0.85% (including Strategic Premium)
List C:
Upto 7.50 Lacs: BRLLR + 1.85% (including Strategic Premium)
Above 7.50 Lacs: BRLLR + 1.60% (including Strategic Premium)

Baroda Scholar
(For Studies abroad)

List of Institutes specified in the list of Premier Institutions:
BRLLR + 1.50% (including Strategic Premium)

List of Institutes NOT specified in the list of Premier Institutions:
BRLLR + 2.15% (including Strategic Premium)

Baroda Career Development

 Baroda Career Development (Scheme discontinued)
BRLLR + 3.00%

Baroda Executive Development
Premier Institutions
(For Studies in India)

Same as Education loan to students of Premier Institutions

Baroda Executive Development
Premier Institutions
(For Studies abroad)

 BRLLR + 2.10%

Baroda Skill Loan Scheme

BRLLR + 1.50% (including Strategic Premium)

Baroda Education Loan: For family members of our Bank’s Employees: BRLLR + SP

6

 BARODA AUTO LOAN Car Loan:
FROM BRLLR + SP + 0.25% TO BRLLR + SP + 3.25% (As per Risk Rating of the applicant/s.)

Two Wheeler Loan:
BRLLR + Strategic Premium + 4.00%
Staff/Ex-Staff (Car Loan/ Two wheeler Loan): BRLLR + SP

Risk Premium of 0.05% will be applicable as per extant guidelines for customers not obtaining credit insurance cover

7

BARODA ADVANCE AGAINST SECURITIES

Against NSC / KVP

Loan: 

BRLLR + Strategic Premium + 3.50%
or 0.50% over NSC / KVP rate, whichever is higher

Overdraft:

BRLLR + Strategic Premium + 4.00%
or 0.75% over NSC / KVP, whichever is higher

Staff

0.50% over NSC / KVP rate

Against Life Insurance Policy / Relief Bonds

Loan:

BRLLR + Strategic Premium + 3.50%

Overdraft:

BRLLR + Strategic Premium + 4.00%

Advance Against Gold Ornament / Jewellery/Gold Coins

From BRLLR + SP + 2.00 % to BRLLR + SP + 2.15 % (As per the respective product chosen)
(Applicable Rate of Interest on Gold Loans as advised by the Gold Loan department from time to time)

Loan against Securities

FROM BRLLR + SP + 0.25% to BRLLR + SP + 1.60%

8.

BARODA PERSONAL LOAN :

 ROI for existing customers having account relationship with our Bank for minimum - 6- months:
FROM BRLLR + SP + 3.00% TO BRLLR + SP + 6.60%
Other cases: i.e. for applicants having account relationship with other Bankat least for -6- months: FROM BRLLR + SP + 5.00% TO BRLLR + SP + 8.60%
For Employees of Central / State Govt. / Autonomous Bodies/ Public / Joint Sector Undertakings, & Educational Institutions having one year service and having Salary account with our Bank)
FROM BRLLR + SP + 3.00% TO BRLLR + SP + 6.60%

Baroda Home Suvidha Personal Loan

 Applicable ROI on Home Loan + Strategic Premium + 0.25%

Baroda Personal Loan COVID-19

 BRLLR + Strategic Premium + 2.75%

9.

BARODA LOAN TO PENSIONERS

From BRLLR + Strategic Premium + 3.35% to BRLLR + Strategic Premium + 4.35%
For Retired Bank of Baroda/their Family pensioners:
BRLLR + Strategic Premium

10.

Baroda Loan for Subscription to Public Issue/IPO

BRLLR + Strategic Premium + 3.75%

11.

LOAN/OD AGAINST BANKS OWN DEPOSITS (LABOD/ODBOD):

 For Public/ Senior Citizen/Staff (against Resident Deposits)

1.00% over Interest Rate on Fixed Deposit

Advance Against the securities of third party FDRs
(against Resident Deposits)-

1.00% over Deposit rate
Or BRLLR + Strategic Premium + 0.25% whichever is higher.

12

Baroda Loan Against Future Rent Receivables

For Landlords of our Branch Premises:

Period of loan including moratorium

Applicable Rate of Interest

Above 1 year to 3 Years

BRLLR +SP +1.65%

Above 3 year to 5 Years

BRLLR +SP +1.80%

Above 5 year to 10 Years

BRLLR +SP +1.80%

Above 10 year

BRLLR +SP +2.60%

Others:

Period of loan including moratorium

Applicable Rate of Interest

Above 1 year to 3 Years

BRLLR +SP +3.65%

Above 3 year to 5 Years

BRLLR +SP +3.80%

Above 5 year to 10 Years

BRLLR +SP +3.80%

Above 10 year

BRLLR +SP +4.60%

Rate of Interest for Retail Loans based on Marginal Cost of Funds Based Lending Rate (MCLR) w.e.f. 01.04.2016.

In terms of RBI guidelines, effective from 01.04.2016, pricing of all rupee loans and advances linked to Marginal Cost of Funds Based Lending Rate (MCLR).

Rate of Interest under all Retail Loans are linked to 1 year MCLR from 1st April, 2016.

Existing borrowers of the Bank shall have an option to switch over from Base Rate system to interest rates linked to MCLR (other than Fixed Rate Loans). Borrowers willing to switch over to the MCLR based interest rate may contact the respective branch.

Sr. No. Product Rate of Interest linked with MCLR
1 Baroda Home Loan &
Baroda Home Improvement Loan		 One year MCLR to One year MCLR +1.00% (As per Risk Rating of the applicant/s.)
Baroda Home Loan Advantage Upto Rs 75.00 Lacs : Normal Home Loan Rate Above Rs 75.00 Lacs: 0.25% over Normal Home Loan Rate
Baroda CRE Home Loan 0.25% over Normal Home Loan Rate
Baroda CRE Home Loan (Advantage) Upto Rs 75Lacs : 0.25% over Normal Home Loan Rate
Above Rs 75 Lacs : 0.50% over Normal Home Loan Rate
Baroda Top Up Loan (Resident/NRIs/PIOs0) Applicable ROI on Home Loan + Strategic Premium + 0.50%
Note: Additional Risk Premium @ 0.05% over and above applicable rate of interest on all variants of Home Loans including Top Up Loans. However, this additional Risk Premium can be waived as an incentive to the borrower who provide credit insurance cover for the loan for entire tenure of the loan.
2 Baroda Mortgage Loan
Tenor upto 120 Months
Rate of Interest		 Tenor above 120 Months
Rate of Interest
One year MCLR +Strategic Premium+0.95% to
One year MCLR+ Strategic Premium+3.50%		 One year MCLR +Strategic Premium+1.20% to
One year MCLR+ Strategic Premium+3.75%
3 Baroda Mortgage Loan – Non Individuals
Security Margin Tenor upto 120 Months
Rate of Interest		 Tenor above 120 Months
Rate of Interest
Up to 50% MCLR + Strategic Premium + 1.45%  MCLR + Strategic Premium + 1.70% 
Above 50% MCLR + Strategic Premium + 1.70%  MCLR + Strategic Premium + 1.95%
4 Baroda Traders Gold Card Scheme 50 bps over applicable ROI on the sanctioned Overdraft facility under Baroda Traders Loon
5 Baroda Ashray (Reverse Mortgage Loan) One year MCLR + Strategic Premium + 1.75%
6 Baroda Vidya (For School Education from Nursery to XII) Baroda Vidya
1 year MCLR + Strategic Premium + 2.50%, 0.5% Concession for girl students
Baroda Gyan (For Higher Studies in India) Baroda Gyan
1 year MCLR+2.00% p.a. (Including SP) - Irrespective of Loan Amount, 0.5% Concession for girl students.
Baroda Education Loan to Students of Premier Institutions (For Studies in India)(For Regular courses) List-AA, A, B and C
For List-AA Institutions : 1 year MCLR
No special concession for girl students under this scheme.
For List A Institutions : 1 year MCLR
No special concession for girl students under this scheme.
For List-B Institutions
Upto Rs.7.50 Lacs : 1 year MCLR + 0.75% Spread ( Including SP)
Above Rs.7.50 Lacs: 1 year MCLR +0.50% Spread ( Including SP)
No special concession for girl students under this scheme.
For List-C Institutions
Rs.7.50 Lacs : 1 year MCLR + 1.50% Spread ( Including SP)
Above Rs.7.50 Lacs: 1 year MCLR +1.25% Spread ( Including SP)
No special concession for girl students under this scheme.
Baroda Education Loan to Students of Premier Institutions (For Studies in India)(For Executive Development Program) List-AA, A, B and C
For List-AA Institutions : 1 year MCLR
No special concession for girl students under this scheme.
For List A Institutions : 1 year MCLR
No special concession for girl students under this scheme.
For List-B Institutions
Upto Rs.7.50 Lacs : 1 year MCLR + 0.75% Spread ( Including SP)
Above Rs.7.50 Lacs: 1 year MCLR +0.50% Spread ( Including SP)
No special concession for girl students under this scheme.
For List-C Institutions
Upto Rs.7.50 Lacs : 1 year MCLR + 1.50% Spread ( Including SP)
Above Rs.7.50 Lacs: 1 year MCLR +1.25% Spread ( Including SP)
No special concession for girl students under this scheme.
Baroda Scholar(For Studies Abroad)(For regular Courses) List of Specified Premier Institutions in Abroad
For Institutions specified in List of Premier Institutions :

1 year MCLR + 1.25% Spread (Including SP)– (Irrespective of loan amount).
For Institutions not specified in List of Premier Institutions :

1 year MCLR + 2 % Spread (Including SP – Irrespective of loan amount).
0.50 % Concession for girl students.
Baroda Scholar (For Studies Abroad)(For Executive development Programm) List of Specified Premier Institutions in Abroad
For Institutions specified in List of Premier Institutions :

1 year MCLR + 1.25% Spread (Including SP)– (Irrespective of loan amount).
For Institutions not specified in List of Premier Institutions :

1 year MCLR + 2 % Spread (Including SP – Irrespective of loan amount).
0.50 % Concession for girl students.
Baroda Skill Loan Scheme 1 year MCLR + 1.50% spread (Including SP)
7 Baroda Auto Loan

Car Loan:
From One year MCLR + Strategic Premium + 0.25% To One year MCLR + Strategic Premium +2.00% (As per Risk Rating of the applicant/s.)

Car Loan to Corporate :
One year MCLR + Strategic Premium + 0.25%

Two Wheeler Loan :
One year MCLR + Strategic Premium + 4.00%
8 Baroda Advance Against Securities
Against NSC / KVP Loan One year MCLR + Strategic Premium + 3.50%
or 0.50% over NSC / KVP rate, whichever is higher
Overdraft One year MCLR + Strategic Premium + 4.00%
or 0.75% over NSC / KVP, whichever is higher
Against Life Insurance Policy / Relief Bonds Loan One year MCLR + Strategic Premium + 3.50%
Overdraft One year MCLR + Strategic Premium + 4.00%
Advance Against Gold Ornament / Jewellery/Gold Coins One year MCLR + Strategic Premium + 3.00%
9 Baroda Personal Loan

(A) ROI for employees of Central / State Govt., Autonomous Bodies, Public/ Joint Sector Undertakings & Educational Institutions with minimum continuous service for -1- year and having salary account with our Bank : Ranging from One year MCLR+SP+3.00% to One year MCLR +SP+6.00% (As per Risk Rating of the applicant/s.)

(B) ROI for all other cases not covered in Point (A) above and having minimum -6- months account relationship with our Bank : Ranging from One year MCLR+SP+3.00% to One year MCLR +SP+6.00% (As per Risk Rating of the applicant/s.)

(C) Other cases : i.e. for applicants having account relationship with other Bank at least for -6- months and not covered under Point (A) & Point (B) : Ranging from One year MCLR+SP+5.00% to One year MCLR +SP+8.00% (As per Risk Rating of the applicant/s.)
Loan for Earnest Money Deposit One year MCLR + 3.25%
Baroda Home Loan Suraksha Personal Loan As applicable to Home Loan account for which funding of Insurance Premium amount
10 Baroda Loan To Pensioners One year MCLR + Strategic Premium + 2.00%

For Retired Bank of Baroda/ their Family pensioners:
One year MCLR + Strategic Premium
11 Baroda Loan for Subscription to Public Issue/IPO One year MCLR + Strategic Premium + 3.75%
12 Loan/OD Against Banks Own Deposits (LABOD/ODBOD)
For Public/ Senior Citizen/Staff (against Resident Deposits) 1.00% over Interest Rate on Fixed Deposit
Advance Against the securities of third party FDRs
(against Resident Deposits)-		 1.00% over Deposit rate
or One year MCLR + Strategic Premium + 0.25% whichever is higher.
13 Baroda Loan Against future Rent Receivables For Landlords of BOB Branch Premises
One Year MCLR+ Strategic Premium+1.25%
For others
One Year MCLR+ Strategic Premium+3.25%

Rate of Interest for Retail Loans linked to Base Rate

Base Rate (per annum) w.e.f. 01.07.2016 9.60%
Baroda Home Loan to Individuals / NRIs / PIOs

Baroda Home Improvement Loan

  • Base Rate + 2.50%

Baroda Additional Assured Advance (AAA) (Resident / NRIs / PIOs)

  • Base Rate + 1.50%

Baroda Auto Loan

Baroda Car Loan/ Baroda Car Loan to HNIs / Corporate
Repayment period upto 5 years Base Rate + 0.25% (irrespective of tenure)
Repayment period > 5 years

Baroda Loan for Two Wheelers

  • Base Rate + 4.00%

Baroda Mortgage Loan

  • Base Rate + 3.25%

Baroda Ashray (Reverse Mortgage)

Fixed Rate Option Not Available
Floating Rate Option Base Rate + 1.75%

Baroda Traders Loan (irrespective of loan limit/OD/TL)

  • Base Rate + 2.00%

Traders Loan Against security of Gold ornaments / Jewellery

  • Base Rate + 2.00%

Baroda Loan to Doctors

Upto Rs.2.00 lacs Base Rate + 3.00%
Above Rs.2.00 lacs Base Rate + 2.50%

Baroda Education Loan (w.e.f. 01.10.2013)

Loans upto Rs.4.00 lacs Base Rate + 2.50%
Loans above Rs.4.00 lacs and upto Rs 7.50 lacs
Loans above Rs.7.50 lacs Base Rate + 1.75%
Baroda Education Loan to students of Premier Institutions
(No special concession for girl students under this scheme.)		 For List-A Institutions
Upto Rs.15.00 Lacs : Base Rate + 0.25%
Above Rs.15.00 Lacs : Base Rate .

For List-B Institutions
Upto Rs.7.50 Lacs : Base Rate + 0.75%
Above Rs.7.50 Lacs: Base Rate + 0.50%
Baroda Skill Loan Base Rate + 1.50%

No special concession for girl students under this scheme.

**0.50% concession in ROI to Education Loans sanctioned for the benefit of girl student.

Baroda Career Development

  • Base Rate + 2.75%

Baroda Advance Against Securities

A Against NSC/KVP Loan: Base Rate + 3.50% or 0.50% over NSC / KVP rate, whichever is higher
Overdraft: Base Rate + 4.00% or 0.750% over NSC / KVP rate, whichever is higher
B Life Insurance Policy / Relief Bonds Loan: Base Rate + 3.50%
Overdraft: Base Rate + 4.00%
C Baroda Advance against Gold Ornaments/ Jewelleries Base Rate + 3.00%

Baroda Personal Loan

  • Base Rate + 4.50%

Except for following Purpose

  • Loan to Pensioners: Base Rate + 4.50%
  • Loan to Defence Pensioners: Base Rate + 4.50%
  • Loan for Earnest Money Deposit: Base Rate + 3.25%

Baroda Salary Advantage Savings Account

  • Base Rate + 5.50%

Baroda Loan Against Future Rent Receivables

  • Base Rate + 3.25%

Loan against Bank's own Deposit (LABOD) - For advances below Rs. 1 Crore (w.e.f 01.08.2013)

Category Loan to depositor Loan to third party
Domestic (Public) 1.00% over deposit rate 1% over deposit rate or 0.25% above Base Rate, whichever is higher.
Senior Citizens 1.00% over deposit rate Not applicable

# Maximum loan amount subject to current RBI/FEMA guidelines.

Loan against Bank's own Deposit (LABOD) - For advances of Rs. 1 Crore and above(w.e.f 01.08.2013)

Category Loan to depositor Loan to third party
Domestic (Public) 1.00% over deposit rate 1.00% over deposit rate or 0.25% above Base Rate, whichever is higher.

Loan against NRE Term Deposits:- (w.e.f. 03.09.2013)

Sr. No. Loans/Overdrafts Revised interest structure
1 For Self 1.00% over the interest rate on NRE Term Deposit
2 For Third Party 1.00% over the interest rate on NRE Term Deposit or Base Rate +0.25% whichever is higher

Loan against FCNR (B) Deposits:- (w.e.f. 19.07.2010)

Sr. No. Loans/Overdrafts interest structure
1 For Self Base Rate plus 100 bps
2 For Third Party
(i) Up to Rs. 2 Lacs Base Rate plus 100 bps
(ii) Above Rs. 2 Lacs
(a) For Personal Purpose Base Rate plus 300 bps
(b) For Business purposes Base Rate plus 400 bps

Priority Sector

The summarized position of realigned rate of interest on Agriculture and other Priority Sector Advances having limits less than Rs.25.00 Lacs is as under

Sr. No. Parameters Limit upto Rs.3.00 Lacs Limit above Rs.3.00 Lacs and less than Rs.25.00 Lacs
(A) Farm Credit Crop Loan: 7.00% p.a. (fixed),
subject to Govt. of India providing Interest Subvention to Bank on such advances, otherwise applicable rate of interest on such advances shall be One year MCLR+ Strategic premium
Other than Crop Loan: One year
MCLR+ Strategic premium		 One year MCLR+ Strategic premium+1.25%
(B) Agriculture Infrastructure & Agriculture Ancillary (*) One year MCLR+ Strategic premium+ 0.50% One Year MCLR+ Strategic premium+1.50%
(C) Other Priority Sector Advances (**) One year MCLR+ Strategic premium+ 0.50% One Year MCLR+ Strategic premium+1.50%

(*) Except for Food & Agro processing units and other special categories of borrowers/ activities/ purposes, for which separate ROI has been stipulated.

(**) Priority Sector Advances other than Agriculture, Retail & SME Advances and other special categories of borrowers/ activities/ purposes, for which separate ROI has been stipulated.

Interest Rate on Agriculture & Other Priority Sector Advances

Sr. No. Parameters
(A) Farm Credit (As defined by RBI vide their Master circular dated 01.07.2015 on Priority Sector Classification, except for Food & Agro processing units and other special categories of borrowers/activities/ purposes, for which separate ROI has been stipulated)::
A.1. Production Credit (Crop Loan) & Investment Credit
A.1.1 Limit upto Rs.3 lacs Crop Loan: 7.00% p.a. (fixed), subject to
Govt. of India providing Interest Subvention to Bank on such advances, otherwise applicable rate of interest on such advances shall be One year MCLR+ Strategic premium
Other than Crop Loan: One year MCLR+ Strategic premium
A.1.2 Limit above Rs.3 lacs and less than Rs.25 lacs One year MCLR+ Strategic premium+1.25%
A.1.3 Limit Rs.25 lacs and above (*) As per the details given below:
A.1.3.1 For CC/OD & DL of Loan
period less than -3- years		 One year MCLR+ Strategic premium+2.00%
A.1.3.2 For Loan period -3- years and above: As per the details given below:
  Loan period Rate of Interest
A.1.3.2.1 3 years & above and upto 5
years		 One year MCLR+ Strategic premium+2.10%
A.1.3.2.2 Above 5 years and upto 7 years One year MCLR+ Strategic premium+2.15%
A.1.3.2.3 Above 7 years and upto 10 years Five year MCLR+ Strategic premium+1.85%
A.1.3.2.4 Above 10 years Five year MCLR+ Strategic premium+2.65%
(*) ROI applicable upto maximum aggregate limit of Rs.2 Crores per borrower to corporate farmers, farmers’ producer organizations/companies of individual farmers, partnership firms and co-operatives of farmers directly engaged in Agriculture and Allied Activities, viz. dairy, fishery, animal husbandry, poultry, bee-keeping and sericulture
(B) Advances for Agriculture Infrastructure & Agriculture Ancillary activities
(As defined by RBI vide their Master circular dated 01.07.2015 on Priority Sector Classification, except for Food & Agro processing units and other special categories of borrowers/activities/ purposes, for which separate ROI has been stipulated):
B.1 Loan upto Rs.3 lacs One year MCLR+ Strategic premium+0.50%
B.2 Limit above Rs.3 lacs and less
than Rs.25 lacs		 One Year MCLR+ Strategic premium+1.50%
B.3 Limit Rs.25 lacs and above As per the details given below:
B.3.1 For CC/OD & DL of Loan period less than -3- years
  Credit Rating Rate of Interest
CR 1 One Year MCLR+ Strategic premium+1.50%
CR 2 One Year MCLR+ Strategic premium+1.75%
CR 3 One Year MCLR+ Strategic premium+2.00%
CR 4 One Year MCLR+ Strategic premium+2.50%
CR 5 One Year MCLR+ Strategic premium+2.75%
CR 6,7,8,9 & 10 One Year MCLR+ Strategic premium+3.25%
B.3.2 For TL having Loan period -3- years and above
  Credit Rating Loan Period Rate of Interest
B.3.2.1 CR1 3 years & above and upto 5 years One Year MCLR+ Strategic premium+1.60%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+1.65%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+1.35%
Above 10 years Five Year MCLR+ Strategic premium+2.15%
B.3.2.2 CR2 3 years & above and upto 5 years One Year MCLR+ Strategic premium+1.85%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+1.90%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+1.60%
Above 10 years Five Year MCLR+ Strategic premium+2.40%
B.3.2.3 CR3 3 years & above and upto 5 years One Year MCLR+ Strategic premium+2.10%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+2.15%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+1.85%
Above 10 years Five Year MCLR+ Strategic premium+2.65%
B.3.2.4 CR4 3 years & above and upto 5 years One Year MCLR+ Strategic premium+2.60%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+2.65%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+2.35%
Above 10 years Five Year MCLR+ Strategic premium+3.15%
B.3.2.5 CR5 3 years & above and upto 5 years One Year MCLR+ Strategic premium+2.85%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+2.90%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+2.60%
Above 10 years Five Year MCLR+ Strategic premium+3.40%
B.3.2.6 CR 6,7,8,9 & 10 3 years & above and upto 5 years One Year MCLR+ Strategic premium+3.35%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+3.40%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+3.10%
Above 10 years Five Year MCLR+ Strategic premium+3.90%
(C) ROI on Other Priority Sector Advances including Social Infrastructure &
Renewable Energy (i.e. for Priority Sector Advances other than Agriculture, Retail & SME Advances and which are defined by RBI vide their Master circular dated 01.07.2015 on Priority Sector Classification, except for Food & Agro processing units and other special categories of borrowers/activities/ purposes, for which separate ROI has been stipulated):
C.1 Loan upto Rs.3 lacs One year MCLR+ Strategic premium+0.50%
C.2 Limit above Rs.3 lacs and less than Rs.25 lacs One Year MCLR+ Strategic premium+1.50%
C.3 Limit Rs.25 lacs and above As per the details given below:
C.3.1 For CC/OD & DL of Loan period less than -3- years
  Credit Rating Rate of Interest
CR 1 One Year MCLR+ Strategic premium+1.90%
CR 2 & CR 3 One Year MCLR+ Strategic premium+2.25%
CR 4 One Year MCLR+ Strategic premium+2.75%
CR 5 One Year MCLR+ Strategic premium+3.00%
CR 6,7,8,9 & 10 One Year MCLR+ Strategic premium+3.50%
C.3.2 For TL having Loan period -3- years and above
  Credit Rating Loan Period Rate of Interest
C.3.2.1 CR1 3 years & above and upto 5 years One Year MCLR+ Strategic premium+2.00%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+2.05%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+1.75%
Above 10 years Five Year MCLR+Strategic premium+2.55%
C.3.2.2 CR2 & CR3 3 years & above and upto 5 years One Year MCLR+Strategic premium+2.35%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+2.40%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+2.10%
Above 10 years Five Year MCLR+ Strategic premium+2.90%
C.3.2.3 CR4 3 years & above and upto 5 years One Year MCLR+Strategic premium+2.85%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+2.90%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+2.60%
Above 10 years Five Year MCLR+Strategic premium+3.40%
C.3.2.4 CR5 3 years & above and upto 5 years One Year MCLR+Strategic premium+3.10%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+3.15%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+2.85%
Above 10 years Five Year MCLR+Strategic premium+3.65%
C.3.2.5 CR 6,7,8,9& 10 3 years & above and upto 5 years One Year MCLR+Strategic premium+3.60%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+3.65%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+3.35%
Above 10 years Five Year MCLR+Strategic premium+4.15%
(D) Advances to Special categories of borrowers/activities/ purposes:
  Parameter Applicable Interest Rate
D.1 Finance to PACS/ FSS/ LAMPS
for on lending to Farmers, irrespective of the loan
limit/purpose		 7.00% p.a. (fixed), subject to Govt. of India providing Interest Subvention to bank on
such advances, otherwise applicable rate of interest on such advances shall be One
Year MCLR+ Strategic Premium+0.50%
D.2 Finance to SHGs/ JLGs As per the details given below:
D.2.1 Loan upto Rs.3 Lacs As applicable to Agriculture/Other Priority Sector Advances, as the case may be
D.2.2 Limit above Rs.3 lacs and less than Rs.25 lacs One Year MCLR+ Strategic premium+1.00%
D.2.3 Limit Rs.25 lacs and above As per the details given below:
D.2.3.1 For CC/OD & DL of Loan period less than -3- years One Year MCLR+ Strategic premium+1.00%
D.2.3.2 For TL having Loan period -3- years and above
  Loan Period Rate of Interest
D.2.3.2.1 3 years & above and upto 5 years One Year MCLR+ Strategic premium+1.10%
D.2.3.2.2 Above 5 years and upto 7 years One Year MCLR+ Strategic premium+1.15%
D.2.3.2.3 Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+0.85%
D.2.3.2.4 Above 10 years Five Year MCLR+ Strategic premium+1.65%
D.3 Advances for construction of Godowns designed to store Agriculture produce/ products
D.3.1 Limit less than Rs.25 lacs One Year MCLR+ Strategic premium+0.50%
D.3.2 Limit Rs.25 lacs and above As per the details given below:
D.3.2.1 Less than 3 years One Year MCLR+ Strategic premium+0.50%
D.3.2.2 3 years & above and upto 5 years One Year MCLR+ Strategic premium+0.60%
D.3.2.3 Above 5 years and upto 7 years One Year MCLR+ Strategic premium+0.65%
D.3.2.4 Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+0.35%
D.3.2.5 Above 10 years Five Year MCLR+ Strategic premium+1.15%
D.4 Advances against Ware house
Receipts to Farmers upto Rs.50 lacs (@)		 One Year MCLR+ Strategic premium+1.00% (inclusive of collateral management charges, being charged by Collateral Managers, wherever applicable)
D.5 Advances against Ware house
Receipts to other than Farmers (limit upto Rs.5.00 Crores) (under Priority Sector) @		 One Year MCLR+ Strategic premium+1.00%
(inclusive of collateral management charges, being charged by Collateral Managers, wherever applicable)
(@) No further concession is to be allowed)
D.6 Loans to Farmers for purchase of
Four Wheeler		 Rate of interest applicable for Baroda Car
Loan minus 0.25%, subject to minimum ROI
at Effective MCLR (MCLR+ Strategic premium)
D.7 Financing construction of Farm House cum Dwelling units to Farmers Rate of Interest applicable for Housing Loan Scheme of our Bank
D.8 Advances for Poultry Units
D.8.1 Limit less than Rs.25 lacs One Year MCLR+ Strategic premium+1.00%
D.8.2 Limit Rs.25 lacs and above As per the details given below:
D.8.2.1 For CC/OD & DL of Loan period less than 3 years One Year MCLR+ Strategic premium+1.00%
D.8.2.2 For TL having Loan period -3- years and above
  Loan Period Loan Period
D.8.2.2.1 3 years & above and upto 5 years One Year MCLR+ Strategic premium+1.10%
D.8.2.2.2 Above 5 years and upto 7 years One Year MCLR+ Strategic premium+1.15%
D.8.2.2.3 Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+0.85%
D.8.2.2.4 Above 10 years Five Year MCLR+ Strategic premium+1.65%
D.9 Advances for construction and running of cold storage units/ /cold storage chains designed to store agriculture produce/products, upto an aggregate sanctioned limit of Rs.100 Crores per borrower from the banking system
D.9.1 Loan upto Rs.3 lacs One Year MCLR+ Strategic premium+0.50%
D.9.2 Limit above Rs.3 lacs and less than Rs.25 lacs One Year MCLR+ Strategic premium+1.50%
D.9.3 Limit Rs.25 lacs and above As per the details given below:
D.9.3.1 For CC/OD & DL of Loan period less than 3 years
  Credit Rating Rate of Interest
  CR 1,2,3,4 & 5 One Year MCLR+ Strategic premium+1.25%
  CR 6,7,8,9 & 10 One Year MCLR+ Strategic premium+2.00%
D.9.3.2 For TL having Loan period -3- years and above
  Credit Rating Loan Period Rate of Interest
D.9.3.2.1 CR 1,2,3, 4 & 5 3 years & above and upto 5 years One Year MCLR+Strategic premium+1.35%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+ 1.40%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+1.10%
Above 10 years Five Year MCLR+Strategic premium+1.90%
D.9.3.2.2 CR 6,7, 8,9 &10 3 years & above and upto 5 years One Year MCLR+ Strategic premium+ 2.10%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+2.15%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+1.85%
Above 10 years Five Year MCLR+ Strategic premium+2.65%
D.10 Advances to NBFC-MFIs, which are engaged in on-lending to individuals/groups under Priority Sector
D.10.1 Loan upto Rs.3 lacs One Year MCLR+ Strategic premium+0.50%
D.10.2 Limit above Rs.3 lacs and less than Rs.25 lacs One Year MCLR+ Strategic premium+1.50%
D.10.3 Limit Rs.25 lacs and above As per the details given below:
D.10.3.1 For CC/OD & DL of Loan period less than 3 years
  Credit Rating Rate of Interest
CR 1 One Year MCLR+ Strategic premium+2.50%
CR 2 One Year MCLR+ Strategic premium+2.75%
CR 3 One Year MCLR+ Strategic premium+3.00%
CR 4 One Year MCLR+ Strategic premium+3.50%
CR 5 One Year MCLR+ Strategic premium+3.75%
CR 6,7,8,9 & 10 One Year MCLR+ Strategic premium+4.25%
D.10.3.2 For TL having Loan period -3- years and above
  Credit Rating Loan Period Rate of Interest
D.10.3.2.1 CR 1 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 2.60%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 2.65%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 2.35%
Above 10 years Five Year MCLR+Strategic premium+ 3.15%
D.10.3.2.2 CR 2 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 2.85%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 2.90%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 2.60%
Above 10 years Five Year MCLR+Strategic premium+ 3.40%
D.10.3.2.3 CR 3 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 3.10%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 3.15%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 2.85%
Above 10 years Five Year MCLR+Strategic premium+ 3.65%
D.10.3.2.4 CR 4 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 3.60%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 3.65%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 3.35%
Above 10 years Five Year MCLR+Strategic premium+ 4.15%
D.10.3.2.5 CR 5 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 3.85%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 3.90%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 3.60%
Above 10 years Five Year MCLR+Strategic premium+ 4.40%
D.10.3.2.6 CR 6,7,8,9& 10 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 4.35%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 4.40%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 4.10%
Above 10 years Five Year MCLR+Strategic premium+ 4.90%
D.11 Advances under the Scheme for financing Mini Dairy units:
D.11.1 Loan upto Rs.3.00 Lacs One year MCLR+ Strategic premium
D.11.2 Limit above Rs.3.00 Lacs and upto Rs.6.00 Lacs One year MCLR+ Strategic premium+0.25%

Financing Protected Cultivation (Green House/polyhouse Etc.) Projects

Limit Applicable ROI
Limit upto Rs 3.00 lakhs One year MCLR + SP
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%

Limit Rs 25 lakhs and above

Limit Applicable ROI
3 years & above and upto 5 years One year MCLR + SP + 2.10%
Above 5 years and upto 7 years One year MCLR + SP + 2.15%
Above 7 years and upto 9 years Five year MCLR + SP + 1.85%

Financing Farmer Producer Companies (FPC)

Limit Applicable ROI(Concession will apply)
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%
Limit above Rs 25.00 lakhs As per details given Below
For Loan period less than -3- years One year MCLR+ Strategic premium+2.00%
3 years & above and up to 5 years One year MCLR+ Strategic premium+2.10%
Above 5 years and up to 7 years One year MCLR+ Strategic premium+2.15%
Above 7 years and up to 10 years One year MCLR+ Strategic premium+1.85%

Rate Of Interest On Regulatory And Non Regulatory MSME Loans w.e.f. 01.04.2020

Financing Protected Cultivation (Green House/polyhouse Etc.) Projects

Limit Applicable ROI
Limit upto Rs 3.00 lakhs One year MCLR + SP
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%

Limit Rs 25 lakhs and above

Limit Applicable ROI
3 years & above and upto 5 years One year MCLR + SP + 2.10%
Above 5 years and upto 7 years One year MCLR + SP + 2.15%
Above 7 years and upto 9 years Five year MCLR + SP + 1.85%

Financing Farmer Producer Companies (FPC)

Limit Applicable ROI(Concession will apply)
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%
Limit above Rs 25.00 lakhs As per details given Below
For Loan period less than -3- years One year MCLR+ Strategic premium+2.00%
3 years & above and up to 5 years One year MCLR+ Strategic premium+2.10%
Above 5 years and up to 7 years One year MCLR+ Strategic premium+2.15%
Above 7 years and up to 10 years One year MCLR+ Strategic premium+1.85%

MCLR above implies 1yr MCLR only.
For limits Upto RS. 25 lacs(REGULATORY)

Limits Micro Small Medium
Up to Rs. 50000/- MCLR+SP (MCLR+SP)+0.50% (MCLR+SP)+1.20%
Above Rs. 50000/-to 2.00 lacs (MCLR+SP)+0.50% (MCLR+SP)+0.70% (MCLR+SP)+1.20%
Above Rs.2.00 Lacs to Rs.10.00 Lacs (MCLR+SP)+0.70% (MCLR+SP)+0.85% (MCLR+SP)+1.20%
Above Rs. 10.00 lacs to less than Rs. 25.00 lacs (MCLR+SP)+0.85% (MCLR+SP)+1.00% (MCLR+SP)+1.20%

MCLR above implies 1yr MCLR only.

For limits above RS. 25 lacs and up to Rs.5.00 Cr. (REGULATORY/NON REGULATORY/SME EXPANDED)

Eligible Immovable Security Coverage after haircut CIBIL CMR Ranking Micro Enterprises Small Enterprises Medium Enterprises MSME (Expanded)
A. 100% and above CMR1 MCLR+ 0.05% MCLR+0.10% MCLR+0.15% MCLR+0.20%
CMR 2 MCLR+ SP+0.10% MCLR+ SP+0.15% MCLR+ SP+0.20% MCLR+ SP+0.25%
CMR3 MCLR+ SP+0.15% MCLR+ SP+0.25% MCLR+ SP+0.35% MCLR+ SP+0.50%
CMR4 MCLR+ SP+0.25% MCLR+ SP+0.35% MCLR+ SP+0.45% MCLR+ SP+0.60%
CMR5 MCLR+ SP+0.65% MCLR+ SP+0.80% MCLR+ SP+0.95% MCLR+ SP+1.20%
CMR6 MCLR+ SP+1.00% MCLR+ SP+1.15% MCLR+ SP+1.30% MCLR+ SP+1.55%
CMR 7 & Below MCLR+ SP+2.75% MCLR+ SP+3.00% MCLR+ SP+3.25% MCLR+ SP+3.25%
Unrated MCLR+ SP+0.15% MCLR+ SP+0.25% MCLR+ SP+0.35% MCLR+ SP+0.50%
B. 85% to less than 100% CMR1 MCLR+ 0.15% MCLR+ 0.20% MCLR+ 0.25% MCLR+ 0.25%
CMR 2 MCLR+ SP+0.20% MCLR+ SP+0.25% MCLR+ SP+0.30% MCLR+ SP+0.35%
CMR3 MCLR+ SP+0.25% MCLR+ SP+0.35% MCLR+ SP+0.45% MCLR+ SP+0.60%
CMR4 MCLR+ SP+0.40% MCLR+ SP+0.50% MCLR+ SP+0.60% MCLR+ SP+0.75%
CMR5 MCLR+ SP+0.75% MCLR+ SP+0.90% MCLR+ SP+1.05% MCLR+ SP+1.30%
CMR6 MCLR+ SP+1.25% MCLR+ SP+1.40% MCLR+ SP+1.55% MCLR+ SP+1.80%
CMR 7 & Below MCLR+ SP+3.00% MCLR+ SP+3.25% MCLR+ SP+3.50% MCLR+ SP+3.75%
Unrated MCLR+ SP+0.35% MCLR+ SP+0.45% MCLR+ SP+0.55% MCLR+ SP+0.50%
C. 70% to less than 85% CMR1 MCLR+ 0.35% MCLR+ 0.40% MCLR+ 0.45% MCLR+ 0.50%
CMR 2 MCLR+ SP+0.45% MCLR+ SP+0.50% MCLR+ SP+0.55% MCLR+ SP+0.60%
CMR3 MCLR+ SP+0.70% MCLR+ SP+0.80% MCLR+ SP+0.90% MCLR+ SP+1.05%
CMR4 MCLR+ SP+1.10% MCLR+ SP+1.20% MCLR+ SP+1.30% MCLR+ SP+1.45%
CMR5 MCLR+ SP+1.80% MCLR+ SP+1.95% MCLR+ SP+2.05% MCLR+ SP+2.20%
CMR6 MCLR+ SP+2.70% MCLR+ SP+2.85% MCLR+ SP+3.00% MCLR+ SP+3.25%
CMR 7 & Below MCLR+ SP+4.50% MCLR+SP+4.75% MCLR+ SP+5.00% MCLR+ SP+5.25%
Unrated MCLR+ SP+1.05% MCLR+ SP+1.15% MCLR+ SP+1.25% MCLR+ SP+1.30%
D. 55% to less than 70% CMR1 MCLR+ 0.55% MCLR+ 0.60% MCLR+ 0.65% MCLR+ 0.70%
CMR 2 MCLR+ SP+0.70% MCLR+ SP+0.75% MCLR+ SP+0.80% MCLR+ SP+0.85%
CMR3 MCLR+ SP+1.15% MCLR+ SP+1.25% MCLR+ SP+1.35% MCLR+ SP+1.50%
CMR4 MCLR+ SP+1.85% MCLR+ SP+1.95% MCLR+ SP+2.05% MCLR+ SP+2.20%
CMR5 MCLR+ SP+3.00% MCLR+ SP+3.15% MCLR+ SP+3.30% MCLR+ SP+3.55%
CMR6 MCLR+ SP+4.50% MCLR+ SP+4.65% MCLR+ SP+4.80% MCLR+ SP+5.05%
CMR 7 & Below MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25%
Unrated MCLR+ SP+1.75% MCLR+ SP+1.85% MCLR+ SP+1.95% MCLR+ SP+2.10%
E. 40% to less than 55% CMR1 MCLR+ 0.75% MCLR+ 0.75% MCLR+ 0.75% MCLR+ 0.80%
CMR 2 MCLR+ SP+0.95% MCLR+ SP+1.00% MCLR+ SP+1.05% MCLR+ SP+1.10%
CMR3 MCLR+ SP+1.60% MCLR+ SP+1.70% MCLR+ SP+1.80% MCLR+ SP+1.95%
CMR4 MCLR+ SP+2.60% MCLR+ SP+2.70% MCLR+ SP+2.80% MCLR+ SP+2.95%
CMR5 MCLR+ SP+4.15% MCLR+ SP+4.30% MCLR+ SP+4.45% MCLR+ SP+4.70%
CMR6 MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25%
CMR 7 & Below MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25%
Unrated MCLR+ SP+2.45% MCLR+ SP+2.55% MCLR+ SP+2.65% MCLR+ SP+2.80%
F. 30% to less than 40% CMR1 MCLR+ 0.95% MCLR+ 1.00% MCLR+ 1.05% MCLR+ 1.10%
CMR 2 MCLR+ SP+1.20% MCLR+ SP+1.25% MCLR+ SP+1.30% MCLR+ SP+1.35%
CMR3 MCLR+ SP+1.95% MCLR+ SP+2.05% MCLR+ SP+2.15% MCLR+ SP+2.30%
CMR4 MCLR+ SP+3.20% MCLR+ SP+3.30% MCLR+ SP+3.40% MCLR+ SP+3.55%
CMR5 MCLR+ SP+5.15% MCLR+ SP+5.30% MCLR+ SP+5.45% MCLR+ SP+5.70%
CMR6 MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25%
CMR 7 & Below MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25%
Unrated MCLR+ SP+3.05% MCLR+ SP+3.15% MCLR+ SP+3.25% MCLR+ SP+3.40%
G. Less than 30% CMR1 MCLR+ 1.40% MCLR+ 1.45% MCLR+ 1.50% MCLR+ 1.55%
CMR 2 MCLR+ SP+1.80% MCLR+ SP+1.85% MCLR+ SP+1.90% MCLR+ SP+1.95%
CMR3 MCLR+ SP+3.00% MCLR+ SP+3.10% MCLR+ SP+3.20% MCLR+ SP+3.35%
CMR4 MCLR+ SP+4.90% MCLR+ SP+5.00% MCLR+ SP+5.10% MCLR+ SP+5.25%
CMR5 MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25%
CMR6 MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25%
CMR 7 & Below MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25% MCLR+ SP+6.25%
Unrated MCLR+ SP+4.65% MCLR+ SP+4.75% MCLR+ SP+4.85% MCLR+ SP+5.00%

MCLR above implies 1yr MCLR only.
Above rates are not applicable to schematic lending

ForlimitsRS.5.00Crandabove(Regulatory)

Limits Micro Small Medium
CR1 (MCLR+SP)+1.00 (MCLR+SP)+1.10 (MCLR+SP)+1.20
CR2 (MCLR+SP)+1.10 (MCLR+SP)+1.20 (MCLR+SP)+1.30
CR3 (MCLR+SP)+1.60 (MCLR+SP)+1.70 (MCLR+SP)+1.80
CR4 (MCLR+SP)+2.15 (MCLR+SP)+2.25 (MCLR+SP)+2.35
CR5 (MCLR+SP)+2.70 (MCLR+SP)+3.00 (MCLR+SP)+3.15
CR6 & below (MCLR+SP)+4.95 (MCLR+SP)+5.20 (MCLR+SP)+5.45

Financing Protected Cultivation (Green House/polyhouse Etc.) Projects

Limit Applicable ROI
Limit upto Rs 3.00 lakhs One year MCLR + SP
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%

Limit Rs 25 lakhs and above

Limit Applicable ROI
3 years & above and upto 5 years One year MCLR + SP + 2.10%
Above 5 years and upto 7 years One year MCLR + SP + 2.15%
Above 7 years and upto 9 years Five year MCLR + SP + 1.85%

Financing Farmer Producer Companies (FPC)

Limit Applicable ROI(Concession will apply)
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%
Limit above Rs 25.00 lakhs As per details given Below
For Loan period less than -3- years One year MCLR+ Strategic premium+2.00%
3 years & above and up to 5 years One year MCLR+ Strategic premium+2.10%
Above 5 years and up to 7 years One year MCLR+ Strategic premium+2.15%
Above 7 years and up to 10 years One year MCLR+ Strategic premium+1.85%

Rate of Interest on Various Loans linked with Baroda Repo Linked Lending Rate (BRLLR) & MCLR

(For MSME Loans applicable BRLLR is 6.75% w.e.f. 15.03.2021 (Current RBI Repo Rate:4.00%+Mark-Up-2.75%), S.P.0.25%

RATE OF INTEREST ON REGULATORY AND NON EGULATORY MSME LOANS

For Limits up to Rs. 25.00 Lacs (Regulatory)

Limits Micro Small Medium
Upto Rs.50000/- BRLLR+ SP BRLLR+ SP+2.00% BRLLR+ SP+2.70%
Above Rs. 50000/- to Rs. 2.00 Lacs BRLLR+ SP+2.00% BRLLR+ SP+2.20% BRLLR+ SP+2.70%
Above Rs. 2.00 Lacs to Rs. 10.00 Lacs BRLLR+ SP+2.20% BRLLR+ SP+2.35% BRLLR+ SP+2.70%
Above Rs. 10.00 Lacs to Rs. 25.00 Lacs BRLLR+ SP+2.35% BRLLR+ SP+2.50% BRLLR+ SP+2.70%
For Limits up to Rs. 25.00 Lacs (Non-Regulatory) MCLR+ SP+2.75%

For limits above Rs.25 Lakhs and up to Rs.5.00 Crs (FB & NFB).

Eligible  Immovable Security Coverage CMR Rating Regulatory MSME Non Regulatory MSME/ SME Expanded
Micro Enterprises Small Enterprises Medium Enterprises
A. 100% and above CMR1 BRLLR+ 0.30% BRLLR+0.35% BRLLR+0.40% MCLR+0.45%
CMR 2 BRLLR+ SP+0.60% BRLLR+ SP+0.65% BRLLR+ SP+0.70% MCLR+ SP+0.75%
CMR3 BRLLR+ SP+0.65% BRLLR+ SP+0.75% BRLLR+ SP+0.85% MCLR+ SP+1.00%
CMR4 BRLLR+ SP+1.00% BRLLR+ SP+1.10% BRLLR+ SP+1.20% MCLR+ SP+1.35%
CMR5 BRLLR+ SP+1.65% BRLLR+ SP+1.80% BRLLR+ SP+1.95% MCLR+ SP+2.20%
CMR6 BRLLR+ SP+2.20% BRLLR+ SP+2.35% BRLLR+ SP+2.50% MCLR+ SP+2.75%
CMR 7 & Below BRLLR+ SP+4.75% BRLLR+ SP+5.00% BRLLR+ SP+5.25% MCLR+ SP+5.25%
Unrated BRLLR+ SP+1.40% BRLLR+ SP+1.50% BRLLR+ SP+1.60% MCLR+ SP+1.75%
B. 85% to less than 100% CMR1 BRLLR+ 0.40% BRLLR+ 0.45% BRLLR+ 0.50% MCLR+ 0.50%
CMR 2 BRLLR+ SP+0.70% BRLLR+ SP+0.75% BRLLR+ SP+0.80% MCLR+ SP+0.85%
CMR3 BRLLR+ SP+0.75% BRLLR+ SP+0.85% BRLLR+ SP+0.95% MCLR+ SP+1.10%
CMR4 BRLLR+ SP+1.15% BRLLR+ SP+1.25% BRLLR+ SP+1.35% MCLR+ SP+1.50%
CMR5 BRLLR+ SP+1.75% BRLLR+ SP+1.90% BRLLR+ SP+2.05% MCLR+ SP+2.30%
CMR6 BRLLR+ SP+2.45% BRLLR+ SP+2.60% BRLLR+ SP+2.75% MCLR+ SP+3.00%
CMR 7 & Below BRLLR+ SP+5.00% BRLLR+ SP+5.25% BRLLR+ SP+5.50% MCLR+ SP+5.75%
Unrated BRLLR+ SP+1.60% BRLLR+ SP+1.70% BRLLR+ SP+1.80% MCLR+ SP+1.75%
C. 70% to less than 85% CMR1 BRLLR+ 0.60% BRLLR+ 0.65% BRLLR+ 0.70% MCLR+ 0.75%
CMR 2 BRLLR+ SP+0.95% BRLLR+ SP+1.00% BRLLR+ SP+1.05% MCLR+ SP+1.10%
CMR3 BRLLR+ SP+1.20% BRLLR+ SP+1.30% BRLLR+ SP+1.40% MCLR+ SP+1.55%
CMR4 BRLLR+ SP+1.85% BRLLR+ SP+1.95% BRLLR+ SP+2.05% MCLR+ SP+2.20%
CMR5 BRLLR+ SP+2.80% BRLLR+ SP+2.95% BRLLR+ SP+3.05% MCLR+ SP+3.20%
CMR6 BRLLR+ SP+3.90% BRLLR+ SP+4.05% BRLLR+ SP+4.20% MCLR+ SP+4.45%
CMR 7 & Below BRLLR+ SP+6.50% BRLLR+SP+6.75% BRLLR+ SP+7.00% MCLR+ SP+7.25%
Unrated BRLLR+ SP+2.30% BRLLR+ SP+2.40% BRLLR+ SP+2.50% MCLR+ SP+2.55%
D. 55% to less than 70% CMR1 BRLLR+ 0.80% BRLLR+ 0.85% BRLLR+ 0.90% MCLR+ 0.95%
CMR 2 BRLLR+ SP+1.20% BRLLR+ SP+1.25% BRLLR+ SP+1.30% MCLR+ SP+1.35%
CMR3 BRLLR+ SP+1.65% BRLLR+ SP+1.75% BRLLR+ SP+1.85% MCLR+ SP+2.00%
CMR4 BRLLR+ SP+2.60% BRLLR+ SP+2.70% BRLLR+ SP+2.80% MCLR+ SP+2.95%
CMR5 BRLLR+ SP+4.00% BRLLR+ SP+4.15% BRLLR+ SP+4.30% MCLR+ SP+4.55%
CMR6 BRLLR+ SP+5.70% BRLLR+ SP+5.85% BRLLR+ SP+6.00% MCLR+ SP+6.25%
CMR 7 & Below BRLLR+ SP+8.25% BRLLR+ SP+8.25% BRLLR+ SP+8.25% MCLR+ SP+8.25%
Unrated BRLLR+ SP+3.00% BRLLR+ SP+3.10% BRLLR+ SP+3.20% MCLR+ SP+3.35%
E. 40% to less than 55% CMR1 BRLLR+ 1.00% BRLLR+ 1.00% BRLLR+ 1.00% MCLR+ 1.05%
CMR 2 BRLLR+ SP+1.45% BRLLR+ SP+1.50% BRLLR+ SP+1.55% MCLR+ SP+1.60%
CMR3 BRLLR+ SP+2.10% BRLLR+ SP+2.20% BRLLR+ SP+2.30% MCLR+ SP+2.45%
CMR4 BRLLR+ SP+3.35% BRLLR+ SP+3.45% BRLLR+ SP+3.55% MCLR+ SP+3.70%
CMR5 BRLLR+ SP+5.15% BRLLR+ SP+5.30% BRLLR+ SP+5.45% MCLR+ SP+5.70%
CMR6 BRLLR+ SP+7.45% BRLLR+ SP+7.45% BRLLR+ SP+7.45% MCLR+ SP+7.45%
CMR 7 & Below BRLLR+ SP+8.25% BRLLR+ SP+8.25% BRLLR+ SP+8.25% MCLR+ SP+8.25%
Unrated BRLLR+ SP+3.70% BRLLR+ SP+3.80% BRLLR+ SP+3.90% MCLR+ SP+4.05%
F. 30% to less than 40% CMR1 BRLLR+ 1.20% BRLLR+ 1.25% BRLLR+ 1.30% MCLR+ 1.35%
CMR 2 BRLLR+ SP+1.70% BRLLR+ SP+1.75% BRLLR+ SP+1.80% MCLR+ SP+1.85%
CMR3 BRLLR+ SP+2.45% BRLLR+ SP+2.55% BRLLR+ SP+2.65% MCLR+ SP+2.80%
CMR4 BRLLR+ SP+3.95% BRLLR+ SP+4.05% BRLLR+ SP+4.15% MCLR+ SP+4.30%
CMR5 BRLLR+ SP+6.15% BRLLR+ SP+6.30% BRLLR+ SP+6.45% MCLR+ SP+6.70%
CMR6 BRLLR+ SP+7.45% BRLLR+ SP+7.45% BRLLR+ SP+7.45% MCLR+ SP+7.45%
CMR 7 & Below BRLLR+ SP+8.25% BRLLR+ SP+8.25% BRLLR+ SP+8.25% MCLR+ SP+8.25%
Unrated BRLLR+ SP+4.30% BRLLR+ SP+4.40% BRLLR+ SP+4.50% MCLR+ SP+4.65%
G. Less than 30% CMR1 BRLLR+ 1.65% BRLLR+ 1.70% BRLLR+ 1.75% MCLR+ 1.80%
CMR 2 BRLLR+ SP+2.30% BRLLR+ SP+2.35% BRLLR+ SP+2.40% MCLR+ SP+2.45%
CMR3 BRLLR+ SP+3.50% BRLLR+ SP+3.60% BRLLR+ SP+3.70% MCLR+ SP+3.85%
CMR4 BRLLR+ SP+5.65% BRLLR+ SP+5.75% BRLLR+ SP+5.85% MCLR+ SP+6.00%
CMR5 BRLLR+ SP+7.25% BRLLR+ SP+7.25% BRLLR+ SP+7.25% MCLR+ SP+7.25%
CMR6 BRLLR+ SP+7.45% BRLLR+ SP+7.45% BRLLR+ SP+7.45% MCLR+ SP+7.45%
CMR 7 & Below BRLLR+ SP+8.25% BRLLR+ SP+8.25% BRLLR+ SP+8.25% MCLR+ SP+8.25%
Unrated BRLLR+ SP+5.90% BRLLR+ SP+6.00% BRLLR+ SP+6.10% MCLR+ SP+6.25%

For Limits above Rs. 5.00 Crs (Regulatory MSME)

Segment Micro Small Medium
CR1 BRLLR+ SP+1.00% BRLLR+ SP+1.10% BRLLR+ SP+1.20%
CR2 BRLLR+ SP+1.10% BRLLR+ SP+1.20% BRLLR+ SP+1.30%
CR3 BRLLR+ SP+1.90% BRLLR+ SP+2.00% BRLLR+ SP+2.10%
CR4 BRLLR+ SP+2.65% BRLLR+ SP+2.75% BRLLR+ SP+2.85%
CR5 BRLLR+ SP+3.35% BRLLR+ SP+3.65% BRLLR+ SP+3.80%
CR6 & Below BRLLR+ SP+5.70% BRLLR+ SP+5.95% BRLLR+ SP+6.20%

For Limits above Rs. 5.00 Crs (Non-Regulatory MSME)

Segment Non Regulatory/ SME Expanded
Sales Turn Over up to Rs.150 Cr Sales Turn Over above Rs.150 Cr and up to Rs.250 Cr
CR1 MCLR +SP+1.00 MCLR +SP+1.25
CR2 MCLR +SP+1.25 MCLR +SP+1.50
CR3 MCLR +SP+2.75 MCLR +SP+3.00
CR4 MCLR +SP+3.50 MCLR +SP+3.75
CR5 MCLR +SP+4.50 MCLR +SP+4.75
CR6 & Below MCLR +SP+7.00 MCLR +SP+7.25

Note:

A) An additional 1.00% spread has to be charged for the borrowers under Non Regulatory segment

(i) whose exposure is Rs.100 Cr or more from the Banking system and are externally unrated or rated worse than BBB AND
(ii) exposure with us is greater than Rs.5 Cr or turn over greater than Rs.25 Cr

B) However where the borrower’s total exposure from banking system is less than Rs.100 Cr and exposure with us is more than Rs.5 Cr or turn over more than Rs.25 Cr additional interest as above is not applicable.

For Export Credit

Particulars Credit Rating Micro & Small Enterprises w.e.f.01.10.2019 Medium Enterprises w.e.f. 01.04.2020 SME Expanded w.e.f. 20.01.2020
Pre-Shipment Credit
  1. Packing credit up to 270 days.
  2. Against Incentives received from government (covered by ECGC upto 90 days)
 CR 1 to CR 3 OR CMR 1 tO CMR 3 BRLLR + SP+ 0.50% BRLLR + SP+ 0.50% MCLR (Tenor Based) +SP+0.50%
CR 4 to CR 6 OR CMR 4 to CMR 6 BRLLR + SP+ 0.75% BRLLR + SP+ 0.75% MCLR (Tenor Based)
+SP+ 0.90%
CR 7 to CR 10 Or CMR 7 to CMR 10 BRLLR + SP+ 1.50% BRLLR + SP+ 1.50% MCLR (Tenor Based) +SP+ 1.50%
Post Shipment Credit
  1. On Demand bills for transit period ( As specified by FEDAI)
  2. Against usance bills up to notional due date or actual due date whichever is earlier.

2a. Upto 180 days from the date of advance.

  1. Against incentives receivable from Govt. (Covered by ECGC guarantee) up to 90 days.
  2. Against undrawn balance ( up to 90 days)
  3. Against retention money ( for supplies portion only payable within one year from the date of shipment (upto 90 days))
 CR 1 to CR 3 OR CMR 1 TO CMR 3 BRLLR + SP+ 0.40% BRLLR + SP+ 0.40% MCLR (Tenor Based) +SP+
0.40%
CR 4 to CR 6 OR CMR 4 to CMR 6 BRLLR + SP+ 0.65% BRLLR + SP+ 0.65% MCLR (Tenor Based) +SP+
0.80%
CR 7 to CR 10 Or CMR 7 to CMR 10 BRLLR + SP+ 1.40% BRLLR + SP+ 1.40% MCLR (Tenor Based) +SP+
1.40%

EXPORT CREDIT NOT OTHERWISE SPECIFIED (ECNOS)

Pre-shipment BRLLR + SP+ 5.85%

Post Shipment BRLLR + SP+ 5.85%

For limits of RS. 25.00 lacs and above (NON REGULATORY/SME EXPANDED)

Export credit in INR  (w.e.f 01.10.2019/20.01.2020)

PARTICULARS CREDIT RATING ROI for Small and Micro entp.W.E.F 01.10.2019 ROI for Medium, SME Expanded and Corporate customers.
W.E.F 20.01.2020
PRESHIPMENT CREDIT
  • Packing credit up to 270 days
  • Against Incentives received from Government (covered by ECGC up to 90 days)
 CR 1 TO CR 3
OR
CMR 1 TO CMR 3		 BRLLR + SP + 0.50 % MCLR  (Tenor based) + SP+ 0.50 %
CR 4 TO CR 6
OR
CMR 4 TO CMR 6		 BRLLR + SP + 0.75 % MCLR  (Tenor based) + SP+ 0.90 %
CR 7 TO CR 10
OR
CMR 7 TO CMR 10		 BRLLR + SP + 1.50 % MCLR  (Tenor based) + SP+ 1.50 %
POST SHIPMENT CREDIT
  • On demand bills for transit period  (As specified by FEDAI)
  •  Against usance bills up to notional due date or actual due date whichever is earlier
2a.   Up to 180 days      
from the date of
advance
  •  Against incentives receivable from Govt. (covered by ECGC guarantee) up to 90 days
  • Against undrawn balance (up to 90 days)
  • Against retention money ( for supplies portion only payable within one year from the date of shipment( up to 90 days) 
 CR 1 TO CR 3
OR
CMR 1 TO CMR 3		 BRLLR + SP + 0.40 % MCLR  (Tenor based) + SP+ 0.40 %
CR 4 TO CR 6
OR
CMR 4 TO CMR 6  		 BRLLR + SP + 0.65 % MCLR  (Tenor based) + SP+ 0.80 %
CR 7 TO CR 10
OR
CMR 7 TO CMR 10		 BRLLR + SP + 1.40 % MCLR  (Tenor based) + SP+ 1.40 %
EXPORT CREDIT NOT OTHERWISE SPECIFIED (ECNOS)
Pre-shipment BRLLR + SP + 5.85 % 1 YEAR MCLR + SP + 5.90 %
Post- shipment BRLLR + SP + 5.85 % 1 YEAR MCLR + SP + 5.90 %

EXPORT CREDIT FOR GOLD CARD HOLDERS IN INR (w.e.f 20.01.2020/01.04.2020)

Category of Export Credit Rating ROI for Micro Small and Medium customers W.E.F 01.10.2019 (Micro and Small) and 01.04.2020 (Medium) ROI for SME Expanded and Corporate customers. W.E.F 20.01.2020
A. Gold Card- Pre-shipment credit
Up to 270 days CR 1 TO CR 3
OR
CMR 1 TO CMR 3		 BRLLR + SP + 0.25 % MCLR  (Tenor based) + SP+ 0.25 %
CR 4 TO CR 6
OR
CMR 4 TO CMR 6		 BRLLR + SP + 0.50% MCLR  (Tenor based) + SP+ 0.65 %
CR 7 TO CR 10
OR
CMR 7 TO CMR 10		 Not eligible Not eligible
B. Gold Card-Post-shipment credit
Up to 365 days from the date of advance CR 1 TO CR 3
OR
CMR 1 TO CMR 3		 BRLLR + SP + 0.15 % MCLR  (Tenor based) + SP+ 0.15 %
CR 4 TO CR 6
OR
CMR 4 TO CMR 6		 BRLLR + SP + 0.40 % MCLR  (Tenor based) + SP+ 0.55 %
CR 7 TO CR 10
OR
CMR 7 TO CMR 10		 Not eligible Not eligible

EXPORT CREDIT IN FOREIGN CURRENCY FOR MSME (20/11/2019)

Composite BOB-RAM Rating Spread over LIBOR for applicable tenor depending upon period of export credit
Existing Proposed
CR-1 / CMR 1 125 bps 100bps
CR-2 / CMR 2 150 bps 100bps
CR-3 / CMR 3 175 bps 125bps
CR-4 / CMR 4 200 bps 150bps
CR-5 & 6 / CMR 5 & 6 225bps 150bps

EXPORT CREDIT IN FOREIGN CURRENCY FOR OTHER THAN MSME (w.e.f 08/12/2016)

Composite BOB-RAM Rating Spread over LIBOR for applicable tenor depending upon period of export credit Spread over LIBOR for applicable tenor depending upon period of FCNR(B) loans
Spread with 3M LIBOR Spread with 6M LIBOR Spread with 12M LIBOR
CR-1 125 bps 175 bps 150 bps 125 bps
CR-2 150 bps 200 bps 175 bps 150 bps
CR-3 175 bps 225 bps 200 bps 175 bps
CR-4 200 bps 375 bps 350 bps 300 bps
CR-5 & 6 225bps 525 bps 500 bps 475 bps
CR 7 to CR 10 Not Eligible.

For Domestic & NRO Term Deposits [Per Annum] [Fresh & Renewal] [Callable] (ROI in %)
- Below Rs. One Crore

Tenors Below Rs 1 Cr. (w.e.f. 22.08.18)
7 days to 14 days 4.25
15 days to 45 days 4.75
46 days to 90 days 5.00
91 days to 180 days 5.50
181 days to 270 days 6.25
271 days & above and less than 1 year 6.50
1 year 6.65
Above 1 year to 400 days 6.75
Above 400 days and upto 2 Years 6.70
Above 2 Years and upto 3 Years 6.60
Above 3 Years and upto 5 Years 6.70
Above 5 Years and upto 10 Years 6.60

For Domestic & NRO Term Deposits [Per Annum] [Fresh & Renewal] [Callable] (ROI in %)
- Rs. 1 Crore to Rs. 10 Crore

Tenors Rs 1 Cr to Rs 10 Cr. (w.e.f. 10.09.18)
7 days to 14 days 4.50
15 days to 45 days 5.00
46 days to 90 days 5.25
91 days to 180 days 5.75
181 days to 270 days 6.25
271 days & above and less than 1 year 6.35
1 year 6.60
Above 1 year and upto 2 Years 6.50
Above 2 Years and upto 3 Years 6.50
Above 3 Years and upto 5 Years 6.50
Above 5 Years and upto 10 Years 6.25

Interest Rates for Domestic Term Deposits & NRO Deposits of more than Rs 10 Crores & Up to Rs 50 Crores (Fresh & Renewal)

Maturity Range Amount of Deposit Per receipt
(w.e.f. 09.04.18) (w.e.f. 09.04.18)
Above Rs 10 cr. to Rs 25 cr. Above Rs 25 cr. to Rs 50 cr.
7 days to 14 days 4.00 4.00
15 days to 45 days 4.00 4.00
46 days to 90 days 4.00 4.00
91 days to 180 days 5.00 5.00
181 days to 270 days 5.50 5.50
271 days & above and less than 1 year 6.35 6.35
1 year 6.75 6.75
Above 1 year and upto 2 Years 6.50 6.50
Above 2 Years and upto 3 Years 6.50 6.50
Above 3 Years and upto 5 Years 6.50 6.50
Above 5 Years and upto 10 Years ** **

Interest Rates for Domestic Term Deposits & NRO Deposits of more than Rs 50 Crores & above Rs 100 Crores (Fresh & Renewal)

Tenors Amount of Deposit Per receipt
(w.e.f. 09.04.18) (w.e.f. 01.09.18)
Above Rs 50 cr. to Rs 100cr. Above Rs 100cr.
7 days to 14 days 4.00 4.00
15 days to 45 days 4.00 4.00
46 days to 90 days 4.00 4.00
91 days to 180 days 5.00 5.00
181 days to 270 days 5.50 5.50
271 days & above and less than 1 year 6.35 6.35
1 year 6.85 7.05
Above 1 year and upto 2 Years 6.50 7.05
Above 2 Years and upto 3 Years 6.50 6.50
Above 3 Years and upto 5 Years 6.50 6.50
Above 5 Years and upto 10 Years ** **

Baroda Tax Savings Term Deposit (w.e.f. 22.08.18)

Tenors Deposit [Per Annum] less than Rs 1 Cr.
For 5 years 6.70
Above 5 years to up to 10 years 6.60

*Premature withdrawal not allowed before completion of 5 years except in case of death of the customer

  • Capital Gain Accounts Scheme, 1988

    For all Deposits under Capital Gain Accounts Scheme, 1988, interest rate will be applicable as per normal time & period. It will also not be in order to offer higher/differential rate of interest on deposits received under the Capital Gains Accounts Scheme, 1988.

  • Domestic Term Deposits for Senior Citizens

    Branches may continue to pay an additional interest of 0.50% on domestic term deposits of less than Rs. 1.00 Crore from Senior Citizens for all tenors in terms of extant guidelines.

For Baroda Advantage Fixed Deposit (domestic) Accounts (Non Callable) w.e.f. 22.08.18 (Deposit amount: above Rs. 15.01 lakhs)

Tenors Below Rs 1 Cr.
1 year 6.80
Above 1 Years to 400 days 6.90
Above 400 days and upto 2 Years 6.85
Above 2 Years and upto 3 Years 6.75
Above 3 Years and upto 5 Years 6.85
Above 5 Years and upto 10 Years 6.75

For Baroda Advantage Fixed Deposit (domestic) Accounts (Non Callable) w.e.f. 22.08.18 (Deposit amount: Rs. 1 Cr. to 10 Cr.)

Non-Callable Bulk deposits from Rs.1.00 crore to Rs.10 crores will also have additional interest by 15 bps over the applicable rate of interest for Normal Bulk Deposits (callable) upto Rs.10 crores as per the maturity period of deposits as decided by The Treasury Department, BCC.

Foreign Currency Non-resident Deposit - FCNR(B) - w.e.f. 01.08.2018. The Rates Shall Be Effective Up To 31.08.2018

Maturity Period USD GBP EUR YEN CAD AUD
1 Yr. to less than 2 yrs. 3.63
(3.53)		 1.33
(1.34)		 0.00
(0.00)		 0.24
(0.25)		 3.05
(2.90)		 2.46
(2.47)
2 Yrs. to less than 3 yrs. 3.80
(3.73)		 1.62
(1.65)		 0.09
(0.10)		 0.27
(0.27)		 3.20
(3.03)		 2.54
(2.55)
3 Yrs. to less than 4 yrs. 4.08
(4.01)		 1.72
(1.78)		 0.24
(0.29)		 0.29
(0.30)		 3.26
(3.11)		 2.61
(2.64)
4 Yrs. to less than 5 yrs. 4.11
(4.02)		 1.80
(1.87)		 0.40
(0.44)		 0.31
(0.32)		 3.29
(3.15)		 2.87
(2.90)
5 Years 4.12
(4.05)		 1.86
(1.94)		 0.55
(0.59)		 0.34
(0.36)		 3.31
(3.18)		 2.97
(3.00)

Figures in bracket ( ) indicate rate of interest before revision.

The above revised rates will apply for fresh deposits and on renewal of maturing FCNR (B) deposits till further communication.

Please note that no additional interest is permitted to Senior Citizen and Staff.

All Branches are requested to take a careful note of the above.

NRE Term (Rupee) Deposits [Fresh & Renewal] [Callable] (ROI in %) – (w.e.f. 22.08.18)

Tenors Below Rs.1.00 crore
1 year 6.65
Above 1 Years to 400 days 6.75
Above 400 days and upto 2 Years 6.70
Above 2 Years and upto 3 Years 6.60
Above 3 Years and upto 5 Years 6.70
Above 5 Years and upto 10 Years 6.60

NRE Term (Rupee) Deposits (W.e.f 09.04.18)

Maturity Range Rs.1 crore to Rs. 10 crores
1 Year 6.60
> 1 yr. upto 2 yrs. 6.50
> 2 yrs. upto 3 yrs. 6.50
> 3 yrs. upto 5 yrs. 6.50
>5 years upto 10 years 6.25

NRE Term Deposits of more than Rs. 10 crores (Fresh & Renewal)

Maturity Range Amount of Deposit Per receipt w.e.f. 09.04.18
Above Rs.10 cr. to Rs.25 cr. Above Rs.25 cr. to Rs.50 cr.
1 year 6.75 6.75
> 1 year up to 2 years 6.50 6.50
> 2 years up to 3 years 6:50 6:50

NRE Term Deposits of more than Rs. 50 crores (Fresh & Renewal)

Maturity Range Amount of Deposit Per receipt
Above Rs.50 cr. to Rs.100 cr. Above Rs.100 cr.
(w.e.f 09.04.18) (w.e.f 23.07.18)
1 year 6.85 7.05
> 1 yr. upto 2 yrs. **** ****
> 2 yrs. upto 3 yrs **** ****
> 3 yrs. upto 10 yrs. **** ****
Savings Bank Deposits Interest Rate (% p.a.) (w.e.f 05.08.2017)
Saving Deposits Balance upto Rs. 50/- Lakh. 3.50
Saving Deposits Balance above Rs. 50/- Lakh. 4.00

Note :

  • Senior Citizens and staff are not eligible for additional rate of interest on any type of non-resident deposits.
  • The revised rates are applicable for fresh deposits and renewal of old deposits.
  • For Deposit of above Rs. 10 Crores customers are requested to contact our nearby branch.
  • As per RBI Directives with effect from 17th July 2003, the NRE Deposits are to be accepted for a minimum period of 1 year
  • NRE (Rupee) Fixed Deposits: No interest will be payable for deposits that have remained with the bank for less than twelve months.
  • FCNR Deposits: No Interest is paid if premature payment before one year.
  • NRO FD/SB: 30.90% Withholding tax plus applicable surcharge/cess is applicable in NRO FD/SB accounts where DTAA is not applicable or the NRI depositor is not in a position to provide required documents/formalities for availing rebate in withholding tax. Surcharge is applicable @2.5% of TDS/Tax amount to Foreign Company if the Company has net income exceeding Rs.1/-crore.
  • Rates quoted are subject to change without notice.

No additional benefit of one percent per annum in interest rate, to bank’s own staff on deposit Under NRE/NRO is to be given as per RBI g uidelines.

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