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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. 10.01.2020)
7 days to 14 days 4.50
15 days to 45 days 4.50
46 days to 90 days 4.75
91 days to 180 days 5.50
181 days to 270 days 5.90
271 days & above and less than 1 year 5.90
1 year 6.25
Above 1 year to 400 days 6.25
Above 400 days and upto 2 Years 6.25
Above 2 Years and upto 3 Years 6.25
Above 3 Years and upto 5 Years 6.25
Above 5 Years and upto 10 Years 6.25
444 days (Only for Baroda Samriddhi Deposit Scheme) Discontinued

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. 06.12.19)
7 days to 14 days 4.30
15 days to 45 days 4.30
46 days to 90 days 4.75
91 days to 180 days 4.90
181 days to 270 days 5.30
271 days & above and less than 1 year 5.30
1 year 5.50
Above 1 Year and upto 2 Years 5.50
Above 2 Years and upto 3 Years 5.60
Above 3 Years and upto 5 Years 5.60
Above 5 Years and upto 10 Years 5.60

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
(w.e.f. 06.12.19) (w.e.f. 06.12.19)
Above Rs 10 cr. to upto Rs 25 cr. Above Rs 25 cr. to upto Rs 50 cr.
7 days to 14 days 4.30 4.30
15 days to 45 days 4.30 4.30
46 days to 90 days 4.75 4.75
91 days to 180 days 4.90 4.90
181 days to 270 days 5.30 5.30
271 days & above and less than 1 year 5.30 5.30
1 year 5.50 5.50
Above 1 Year and upto 2 Years 5.50 5.50
Above 2 Years and upto 3 Years 5.60 5.50
Above 3 Years and upto 5 Years 5.60 5.50
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
(w.e.f. 06.12.19) (w.e.f. 06.12.19)
Above Rs 50 cr. to upto Rs 100cr. Above Rs 100cr.
7 days to 14 days 4.30 4.30
15 days to 45 days 4.30 4.30
46 days to 90 days 4.75 4.75
91 days to 180 days 4.90 4.90
181 days to 270 days 5.30 5.30
271 days & above and less than 1 year 5.30 5.30
1 year 5.50 5.50
Above 1 Year and upto 2 Years 5.50 5.50
Above 2 Years and upto 3 Years 5.50 5.50
Above 3 Years and upto 5 Years 5.50 5.50
Above 5 Years and upto 10 Years ** **

Baroda Tax Savings Term Deposit (w.e.f. 10.01.2020)

Tenors Deposit [Per Annum] less than Rs 2 Cr.
For 5 years 6.25
Above 5 years to up to 10 years 6.25

*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. 2.00 Crore from Senior Citizens for all tenors in terms of extant guidelines.

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. 10.01.2020)
1 year 6.30
Above 1 Years to 400 days 6.30
Above 400 days and upto 2 Years 6.30
Above 2 Years and upto 3 Years 6.30
Above 3 Years and upto 5 Years 6.30
Above 5 Years and upto 10 Years 6.30
444 days (Only for Baroda Samriddhi Deposit Scheme) Discontinued

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. 06.12.19) Above Rs. 10 Cr. to upto Rs. 25 Cr. (w.e.f. 06.12.19) Above Rs. 25 Cr. to upto Rs. 50 Cr. (w.e.f. 06.12.19) Above Rs. 50 Cr. to upto Rs. 100 Cr. (w.e.f. 06.12.19) Above Rs. 100 Cr. (w.e.f. 06.12.19)
1 year 5.60 5.60 5.60 5.60 5.60
Above 1 Years and upto 2 Years 5.60 5.60 5.60 5.60 5.60
Above 2 Years and upto 3 Years 5.70 5.70 5.60 5.60 5.60
Above 3 Years and upto 5 Years 5.70 5.70 5.60 5.60 5.60
Above 5 Years and upto 10 Years 5.70 - - - -
Savings Bank Deposits Interest Rate (% p.a.) (w.e.f. 20.07.19)
Saving Deposits Balance upto Rs. 50/- Lakh. 3.25
Saving Deposits Balance above Rs. 50/- Lakh. 3.75

Foreign Currency Non-resident Deposit - FCNR(B) - w.e.f. 01.01.2020. The rates shall be effective up to 31.01.2020.

Maturity Period USD GBP EUR YEN CAD AUD
1 Yr. to less than 2 yrs. 2.61
(2.59)		 1.55
(1.54)		 0.00
(0.00)		 0.24
(0.19)		 2.66
(2.60)		 1.36
(1.22)
2 Yrs. to less than 3 yrs. 2.51
(2.48)		 1.42
(1.38)		 0.00
(0.00)		 0.24
(0.17)		 2.50
(2.39)		 1.41
(1.21)
3 Yrs. to less than 4 yrs. 2.45
(2.37)		 1.45
(1.38)		 0.00
(0.00)		 0.24
(0.16)		 2.52
(2.37)		 1.47
(1.33)
4 Yrs. to less than 5 yrs. 2.46
(2.36)		 1.48
(1.40)		 0.03
(0.00)		 0.25
(0.15)		 2.53
(2.36)		 1.64
(1.36)
5 Years 2.48
(2.38)		 1.52
(1.41)		 0.08
(0.00)		 0.26
(0.16)		 2.55
(2.36)		 1.70
(1.41)

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.

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. 10-01-2020)
1 year 6.30
Above 1 year and upto 400 days 6.30
Above 400 days and upto 2 years 6.30
Above 2 years and upto 3 years 6.30
Above 3 years and upto 5 years 6.30
Above 5 years and upto 10 years 6.30

NRE Term (Rupee) Deposits [Fresh & Renewal] [Callable] (ROI in %) –Below Rs. Two Crore (w.e.f. 10.01.2020)

Tenors Below Rs.2.00 crore
1 year 6.25
Above 1 Years to 400 days 6.25
Above 400 days and upto 2 Years 6.25
Above 2 Years and upto 3 Years 6.25
Above 3 Years and upto 5 Years 6.25
Above 5 Years and upto 10 Years 6.25
444 days (Only for Baroda Samriddhi Deposit Scheme) Discontinued

NRE Term (Rupee) Deposits (w.e.f 06.12.19)

Maturity Range Rs.2 crore to upto Rs. 10 crores
1 Year 5.50
> 1 yr. upto 2 yrs. 5.50
> 2 yrs. upto 3 yrs. 5.60
> 3 yrs. upto 5 yrs. 5.60
>5 years upto 10 years 5.60

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. 06.12.19
Above Rs.10 cr. to upto Rs.25 cr. Above Rs.25 cr. to upto Rs.50 cr.
1 year 5.50 5.50
> 1 year up to 2 years 5.50 5.50
> 2 years up to 3 years 5.60 5.50

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. Above Rs.100 cr.
(w.e.f 06.12.2019) (w.e.f 06.12.2019)
1 year 5.50 5.50
> 1 yr. upto 2 yrs. **** ****
> 2 yrs. upto 3 yrs **** ****
> 3 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: 5.15%

Marginal Cost of funds based Lending Rate (MCLR)

MCLR rate w.e.f from 12.01.2020

Sr. No. MCLR Benchmark MCLR in (%) w.e.f. 12.01.2020
1 Overnight MCLR 7.65
2 1 Month MCLR 7.60
3 3 Month MCLR 7.80
4 6 Month MCLR 8.10
5 1 Year MCLR 8.25
Base Rate (per annum) w.e.f. 01.01.2020 9.00%

Our BPLR for all the existing accounts is 13.30% per annum w.e.f from 01.01.2020

Rate of interest for Mid/Large Corporate/ Non-regulatory/SME expanded advances linked to Base Rate w.e.f 24.07.2017

Rating Large and Mid Corporate Advances Non regulatory SME /SME Expanded Advances
CR-1 BR+1.50% BR+1.25%
CR-2 BR+1.60% BR+1.35%
CR-3 BR+2.10% BR+1.85%
CR-4 BR+2.65% BR+2.40%
CR-5 BR+3.50% BR+3.25%
CR-6 & Below BR+5.90% 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 01.10.2017

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 + 1.50% MCLR + STRATEGIC PREMIUM + 1.25%
CR-3 MCLR + 2.70% MCLR + STRATEGIC PREMIUM + 2.45%
CR-4 MCLR + 3.25% MCLR + STRATEGIC PREMIUM + 3.00%
CR-5 MCLR + 4.10% MCLR + STRATEGIC PREMIUM + 3.85%
CR-6 & Below MCLR + 6.50% 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

Sr. No. Particulars Rate of interest
1 When Bills Discounted are under Letter of Credit of our Bank/other prime Banks
A Having contractual maturity from 1 to 90 days. 0.50% above Base Rate
B Having contractual maturity from 91 to 180 days. 0.75% above Base Rate
C Having contractual maturity more than 180 days upto 1 year(Our Bank's LC) 4.00% above Base Rate
D Having contractual maturity more than 180 days upto 1 year (Other Bank's LC) 4.50% above Base Rate

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.01.12.2019

(For Retail Loans applicable BRLLR is 8.15% w.e.f.01.12.2019(Current RBI Repo Rate:5.15%+Mark-Up-3.00%), 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+1.00% (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 Additional Assured Advance (AAA) – (Scheme Discontinued)

BRLLR + Strategic Premium + 1.50%

Baroda Top Up Loan

Applicable ROI on linked Home Loan + Strategic Premium +0.50%

*Risk Premium of 0.05% will remain applicable as per extant guidelines

2.

BARODA MORTGAGE LOAN - INDIVIDUALS

CIBIL Score

Tenor up to 120 Months

Tenor above 120 Months & up to 180 Months)

Facility up to Rs.5.00 Cr

Facility above Rs.5.00 Cr

Facility up to Rs.5.00 Cr

Facility above Rs.5.00 Cr

FROM BRLLR + SP + 0.95% TO BRLLR + SP + 3.50%
(As per Risk Rating of the applicant/s.)

FROM BRLLR + SP + 2.95% TO BRLLR + SP + 5.50%
(As per Risk Rating of the applicant/s.)

FROM BRLLR + SP + 1.20% TO BRLLR + SP + 3.75%
(As per Risk Rating of the applicant/s.)

FROM BRLLR + SP + 3.20% TO BRLLR + SP + 5.75%
(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.5.00 Cr

Facility above Rs.5.00 Cr

Facility up to Rs.5.00 Cr

Facility above Rs.5.00 Cr

Above 50%

BRLLR + SP+1.45%

BRLLR + SP+3.45%

BRLLR + SP+1.70%

BRLLR + SP+3.70%

Upto 50%

BRLLR + SP+1.70%

BRLLR + SP+3.70%

BRLLR + SP+1.95%

BRLLR + SP+3.95%

3.

BARODA ASHRAY (REVERSE MORTGAGE LOAN)

BRLLR + Strategic Premium + 1.75%

4.

BARODA LOAN TO DOCTORS (Scheme Discontinued)

Up to Rs.2.00 Lacs: BRLLR + Strategic Premium + 3.00%
Above Rs.2.00 Lacs: BRLLR + Strategic Premium + 2.50%

5.

BARODA EDUCATION LOAN

Baroda Vidya

BRLLR + Strategic Premium + 2.50%
For family members of our Bank’s employees: BRLLR + 0.25%

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 + 0.75% (including Strategic Premium)
Above 7.50 Lacs: BRLLR + 0.50% (including Strategic Premium)

List C:
Upto 7.50 Lacs: BRLLR + 1.50% (including Strategic Premium)
Above 7.50 Lacs: BRLLR + 1.25% (including Strategic Premium)

Baroda Scholar
(For Studies abroad)

List of Institutes specified in the list of Premier Institutions:
BRLLR + 1.25% (including Strategic Premium)

List of Institutes NOT specified in the list of Premier Institutions:
BRLLR + 2.00% (including Strategic Premium)

Baroda Career Development

BRLLR + Strategic Premium + 2.75%

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 + Strategic Premium + 1.50%
For family members of our Bank’s employees: BRLLR + SP

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 + 2.00% (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

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

BRLLR + Strategic Premium + 2.50%

Loan against Securities

FROM BRLLR + SP + 0.25% TO BRLLR + SP + 1.00%

Staff Members : BRLLR+SP

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 + 6.00%

Other cases: i.e. for applicants having account relationship with other Bankat least for -6- months:

FROM BRLLR + SP + 5.00% TO BRLLR + SP + 8.00%

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 + 6.00%

Loan for Earnest Money Deposit

BRLLR + SP + 3.25%

Baroda Home Suvidha Personal Loan

Applicable ROI on Home Loan + 0.25%

9.

BARODA LOAN TO PENSIONERS

 BRLLR + Strategic Premium + 2.00%

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 +1.30%

Above 3 year to 5 Years

BRLLR +SP +1.45%

Above 5 year to 10 Years

BRLLR +SP +1.45%

Above 10 year

BRLLR +SP +2.25%

Others:

Period of loan including moratorium

Applicable Rate of Interest

Above 1 year to 3 Years

BRLLR +SP +3.30%

Above 3 year to 5 Years

BRLLR +SP +3.45%

Above 5 year to 10 Years

BRLLR +SP +3.45%

Above 10 year

BRLLR +SP +4.25%

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%

MSME Interest Rates w.e.f. 01.04.2016

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

Rate Of Interest On Various Loans Linked With Baroda Repo Linked Lending Rate (Brllr)- W.E.F.01.12.2019

(For MSE Loans applicable BRLLR is 8.15% (Current RBI Repo Rate: 5.15% +Mark-Up: 3.00%), SP: 0.25%

For limits below 25 lacs ( Regulatory)

Limits

Micro

Small

Medium

Up to Rs. 50000/-

(BRLLR) +SP

(BRLLR + SP) + 0.50%

(MCLR+SP)+1.20%

Above Rs. 50000/-to 2.00 lacs

(BRLLR + SP) + 0.50%

(BRLLR + SP) + 0.70%

(MCLR+SP)+1.20%

Above Rs.2.00 Lacs to Rs.10.00
Lacs

(BRLLR + SP) + 0.70%

(BRLLR + SP) + 0.85%

(MCLR+SP)+1.20%

Above Rs. 10.00 lacs to less than Rs. 25.00 lacs

(BRLLR + SP)+0.85%

(BRLLR+SP)+1.00%

(MCLR+SP)+1.20%

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

BRLLR +0.05%

BRLLR +0.10%

MCLR+0.15%

MCLR+0.20%

CMR 2

BRLLR + SP +0.10%

BRLLR + SP +0.15%

MCLR+ SP+0.20%

MCLR+ SP+0.25%

CMR3

BRLLR + SP +0.15%

BRLLR + SP +0.25%

MCLR+ SP+0.35%

MCLR+ SP+0.50%

CMR4

BRLLR + SP +0.25%

BRLLR + SP +0.35%

MCLR+ SP+0.45%

MCLR+ SP+0.60%

CMR5

BRLLR + SP +0.65%

BRLLR + SP +0.80%

MCLR+ SP+0.95%

MCLR+ SP+1.20%

CMR6

BRLLR + SP +1.00%

BRLLR + SP +1.15%

MCLR+ SP+1.30%

MCLR+ SP+1.55%

CMR 7 & Below

BRLLR + SP +2.75%

BRLLR + SP +3.00%

MCLR+ SP+3.25%

MCLR+ SP+3.25%

Unrated

BRLLR + SP +0.15%

BRLLR + SP +0.25%

MCLR+ SP+0.35%

MCLR+ SP+0.50%

B. 85% to less than 100%

CMR1

BRLLR + 0.15%

BRLLR + 0.20%

MCLR+ 0.25%

MCLR+ 0.25%

CMR 2

BRLLR + SP +0.20%

BRLLR + SP +0.25%

MCLR+ SP+0.30%

MCLR+ SP+0.35%

CMR3

BRLLR + SP +0.25%

BRLLR + SP +0.35%

MCLR+ SP+0.45%

MCLR+ SP+0.60%

CMR4

BRLLR + SP +0.40%

BRLLR + SP +0.50%

MCLR+ SP+0.60%

MCLR+ SP+0.75%

CMR5

BRLLR + SP +0.75%

BRLLR + SP +0.90%

MCLR+ SP+1.05%

MCLR+ SP+1.30%

CMR6

BRLLR + SP +1.25%

BRLLR + SP +1.40%

MCLR+ SP+1.55%

MCLR+ SP+1.80%

CMR 7 & Below

BRLLR + SP +3.00%

BRLLR + SP +3.25%

MCLR+ SP+3.50%

MCLR+ SP+3.75%

Unrated

BRLLR + SP +0.35%

BRLLR + SP +0.45%

MCLR+ SP+0.55%

MCLR+ SP+0.50%

C. 70% to less than 85%

CMR1

BRLLR + 0.35%

BRLLR + 0.40%

MCLR+ 0.45%

MCLR+ 0.50%

CMR 2

BRLLR + SP +0.45%

BRLLR + SP +0.50%

MCLR+ SP+0.55%

MCLR+ SP+0.60%

CMR3

BRLLR + SP +0.70%

BRLLR + SP +0.80%

MCLR+ SP+0.90%

MCLR+ SP+1.05%

CMR4

BRLLR + SP +1.10%

BRLLR + SP +1.20%

MCLR+ SP+1.30%

MCLR+ SP+1.45%

CMR5

BRLLR + SP +1.80%

BRLLR + SP +1.95%

MCLR+ SP+2.05%

MCLR+ SP+2.20%

CMR6

BRLLR + SP +2.70%

BRLLR + SP +2.85%

MCLR+ SP+3.00%

MCLR+ SP+3.25%

CMR 7 & Below

BRLLR + SP +4.50%

BRLLR +SP+4.75%

MCLR+ SP+5.00%

MCLR+ SP+5.25%

Unrated

BRLLR + SP +1.05%

BRLLR + SP +1.15%

MCLR+ SP+1.25%

MCLR+ SP+1.30%

D. 55% to less than 70%

CMR1

BRLLR + 0.55%

BRLLR + 0.60%

MCLR+ 0.65%

MCLR+ 0.70%

CMR 2

BRLLR + SP +0.70%

BRLLR + SP +0.75%

MCLR+ SP+0.80%

MCLR+ SP+0.85%

CMR3

BRLLR + SP +1.15%

BRLLR + SP +1.25%

MCLR+ SP+1.35%

MCLR+ SP+1.50%

CMR4

BRLLR + SP +1.85%

BRLLR + SP +1.95%

MCLR+ SP+2.05%

MCLR+ SP+2.20%

CMR5

BRLLR + SP +3.00%

BRLLR + SP +3.15%

MCLR+ SP+3.30%

MCLR+ SP+3.55%

CMR6

BRLLR + SP +4.50%

BRLLR + SP +4.65%

MCLR+ SP+4.80%

MCLR+ SP+5.05%

CMR 7 & Below

BRLLR + SP +6.25%

BRLLR + SP +6.25%

MCLR+ SP+6.25%

MCLR+ SP+6.25%

Unrated

BRLLR + SP +1.75%

BRLLR + SP +1.85%

MCLR+ SP+1.95%

MCLR+ SP+2.10%

E. 40% to less than 55%

CMR1

BRLLR + 0.75%

BRLLR + 0.75%

MCLR+ 0.75%

MCLR+ 0.80%

CMR 2

BRLLR + SP +0.95%

BRLLR + SP +1.00%

MCLR+ SP+1.05%

MCLR+ SP+1.10%

CMR3

BRLLR + SP +1.60%

BRLLR + SP +1.70%

MCLR+ SP+1.80%

MCLR+ SP+1.95%

CMR4

BRLLR + SP +2.60%

BRLLR + SP +2.70%

MCLR+ SP+2.80%

MCLR+ SP+2.95%

CMR5

BRLLR + SP +4.15%

BRLLR + SP +4.30%

MCLR+ SP+4.45%

MCLR+ SP+4.70%

CMR6

BRLLR + SP +6.25%

BRLLR + SP +6.25%

MCLR+ SP+6.25%

MCLR+ SP+6.25%

CMR 7 & Below

BRLLR + SP +6.25%

BRLLR + SP +6.25%

MCLR+ SP+6.25%

MCLR+ SP+6.25%

Unrated

BRLLR + SP +2.45%

BRLLR + SP +2.55%

MCLR+ SP+2.65%

MCLR+ SP+2.80%

F. 30% to less than 40%

CMR1

BRLLR + 0.95%

BRLLR + 1.00%

MCLR+ 1.05%

MCLR+ 1.10%

CMR 2

BRLLR + SP +1.20%

BRLLR + SP +1.25%

MCLR+ SP+1.30%

MCLR+ SP+1.35%

CMR3

BRLLR + SP +1.95%

BRLLR + SP +2.05%

MCLR+ SP+2.15%

MCLR+ SP+2.30%

CMR4

BRLLR + SP +3.20%

BRLLR + SP +3.30%

MCLR+ SP+3.40%

MCLR+ SP+3.55%

CMR5

BRLLR + SP +5.15%

BRLLR + SP +5.30%

MCLR+ SP+5.45%

MCLR+ SP+5.70%

CMR6

BRLLR + SP +6.25%

BRLLR + SP +6.25%

MCLR+ SP+6.25%

MCLR+ SP+6.25%

CMR 7 & Below

BRLLR + SP +6.25%

BRLLR + SP +6.25%

MCLR+ SP+6.25%

MCLR+ SP+6.25%

Unrated

BRLLR + SP +3.05%

BRLLR + SP +3.15%

MCLR+ SP+3.25%

MCLR+ SP+3.40%

G. Less than 30%

CMR1

BRLLR + 1.40%

BRLLR + 1.45%

MCLR+ 1.50%

MCLR+ 1.55%

CMR 2

BRLLR + SP +1.80%

BRLLR + SP +1.85%

MCLR+ SP+1.90%

MCLR+ SP+1.95%

CMR3

BRLLR + SP +3.00%

BRLLR + SP +3.10%

MCLR+ SP+3.20%

MCLR+ SP+3.35%

CMR4

BRLLR + SP +4.90%

BRLLR + SP +5.00%

MCLR+ SP+5.10%

MCLR+ SP+5.25%

CMR5

BRLLR + SP +6.25%

BRLLR + SP +6.25%

MCLR+ SP+6.25%

MCLR+ SP+6.25%

CMR6

BRLLR + SP +6.25%

BRLLR + SP +6.25%

MCLR+ SP+6.25%

MCLR+ SP+6.25%

CMR 7 & Below

BRLLR + SP +6.25%

BRLLR + SP +6.25%

MCLR+ SP+6.25%

MCLR+ SP+6.25%

Unrated

BRLLR + SP +4.65%

BRLLR + SP +4.75%

MCLR+ SP+4.85%

MCLR+ SP+5.00%

For limits RS.5.00Cr and above (Regulatory)


Limits

Micro

Small

Medium

CR1

(BRLLR +SP)+1.00

(BRLLR +SP)+1.10

(MCLR+SP)+1.20

CR2

(BRLLR +SP)+1.10

(BRLLR +SP)+1.20

(MCLR+SP)+1.30

CR3

(BRLLR +SP)+1.60

(BRLLR +SP)+1.70

(MCLR+SP)+1.80

CR4

(BRLLR +SP)+2.15

(BRLLR +SP)+2.25

(MCLR+SP)+2.35

CR5

(BRLLR +SP)+2.70

(BRLLR +SP)+3.00

(MCLR+SP)+3.15

CR6 & below

(BRLLR +SP)+4.95

(BRLLR +SP)+5.20

(MCLR+SP)+5.45

* In case any MSME Product is having a fixed credit margin over MCLR i.e. not linked to CMR or BOBRAM rating , MCLR will be replaced with BRLLR i.e. REPO RATE +MARK UP.

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

Annexure-II - Interest Rates on SME Products

Sr. No. Name of the Product Rate of Interest
1
  • SME Short Term Loan
  • SME Medium Term Loan
  • Baroda General Credit Card
  • Baroda Laghu Udhyami Credit Card
  • Baroda Artisans Credit Card
  • Baroda Weavers Credit Card
  • Baroda SME Loan Pack
  • Baroda SME Gold Card
  • MSME Capex Loan and Capex Card
  • Scheme for financing small road transport operators
 No product specific interest rates. As per the general interest rates applicable to MSME Regulatory and SME Expanded categories.
2 Baroda Overdraft against Land & Building Micro Enterprises - (MCLR+SP)+ 1.75%
Small Enterprises - (MCLR+SP)+ 2.00%.
Medium Enterprises - (MCLR+SP)+ 2.25%.
SME Expanded - (MCLR+SP)+ 3.00%.

Credit Rating
Rating is mandatory under BOBRAM model and Rate of interest applicable is as above or as per credit rating whichever is lower.
3 Baroda Vidyasthali Loan

Rate of interest as under or as per credit rating whichever is lower.

Up to Rs.5.00 Crores (MCLR+SP) + 0.75%
Above Rs.5.00 Crores & up to Rs.10.00 Crores (MCLR+SP) + 1.25%
Above Rs.10.00 Crores & up to Rs.15.00 Crores (MCLR+SP) + 2.00%
4 Baroda Arogyadham Loan
Up to Rs.3.00 Crores (MCLR+SP) + 1.35%
Above Rs.3.00 Crores & up to Rs.10.00 Crores (MCLR+SP) + 1.75%
Above Rs.10.00 Crores & up to Rs.15.00 Crores (MCLR+SP) + 2.75%

Credit Rating
Rating is mandatory under BOBRAM model and Rate of interest applicable is as above or as per credit rating whichever is lower.
5 Baroda Professionals Above Rs.10.00 Lacs to less than Rs.25.00 Lacs
Micro & Small Enterprise— As per standard applicable rates

Rs.25.00 Lacs & above up to & inclusive of Rs.5.00 Crores

Sector Rate of Interest
Micro Enterprises (MCLR+SP) + 1.35%
Small Enterprises (MCLR+SP) + 1.50%
Medium Enterprises (MCLR+SP) + 1.75%

Credit Rating
Rating is mandatory under BOBRAM model and Rate of interest applicable is as above or as per credit rating whichever is lower.
6 Scheme for financing existing borrowers under SME Segment for purchase of new vehicles. (MCLR+SP) +1.50%

Credit Rating
Rating is mandatory under BOBRAM model and Rate of interest applicable is as above or as per credit rating whichever is lower.
7 Scheme for financing Textile units (Pan India Scheme)
(BCC/BR/107/545 dt 06.11.2015)

(Micro, Small & Medium Enterprises)
(MCLR+SP) + 1.50% or as per credit rating whichever is lower, subject to minimum obligor rating of BOB-6 and above.

For SMEs as per expanded definition.
(MCLR+SP) + 2.00% or as per credit rating whichever is lower subject to minimum obligor rating of BOB-6 and above.
8 Scheme for financing Road Transport Operators for
Purchase of New Commercial vehicles. (BCC/BR/106/401 dt 13.10.2014)

Up to Rs. 25/- lacs :
No Product specific interest rate and the products are governed by the standard rates (linked to MCLR+SP) applicable to MSME segment based on their classification (i.e.) Micro, Small, Medium and SME Expanded

Rs.25/- lacs & above up to Rs. 100/- lacs
(MCLR+SP) +2.00% p.a.at present or Rate of Interest as per credit rating whichever is lower with monthly rests, irrespective of the sector whether Micro or Small Enterprises

Export credit in INR (w.e.f 23/01/2017)

Particulars Credit rating Effective Rate prior to implementation of MCLR Re-aligned rates with MCLR
Pre-Shipment Credit
(a) Upto 270 days CR 1 to CR 3 Base Rate + 1.00% MCLR (as per tenure) + SP + 1.00%
CR 4 to CR 6 Base Rate + 1.25% MCLR (as per tenure) + SP + 1.25%
CR 7 to CR 10 Base Rate + 1.50% MCLR (as per tenure) + SP + 1.50%
(b) Against incentives receivable from Govt. (covered by ECGC guarantee) upto 90 days CR 1 to CR 3 Base Rate + 1.00% MCLR (as per tenure) + SP + 1.00%
CR 4 to CR 6 Base Rate + 1.25% MCLR (as per tenure) + SP + 1.25%
CR 7 to CR 10 Base Rate + 1.50% MCLR (as per tenure) + SP + 1.50%
Post-Shipment Credit
(a) On Demand bills for transit period (as specified by FEDAI) CR 1 to CR 3 Base Rate + 1.00% 1 month MCLR+SP+1.00%
CR 4 to CR 6 Base Rate + 1.25% 1 month MCLR+SP+1.25%
CR 7 to CR 10 Base Rate + 1.50% 1 month MCLR+SP+1.50%
(b) Against Usance Bills upto notional due date or actual due date, whichever is earlier (for total period comprising usance period of export bills transit period as specified by FEDAI and grace period wherever applicable
(i) Upto 180 Days from the date of advance CR 1 to CR 3 Base Rate + 1.00% MCLR (as per tenure) +SP+1.00%
CR 4 to CR 6 Base Rate + 1.25% MCLR (as per tenure) +SP+1.25%
CR 7 to CR 10 Base Rate + 1.50% MCLR (as per tenure) +SP+1.50%
(c) Against incentives receivables from Govt. (covered by ECGC guarantee) upto 90 days CR 1 to CR 3 Base Rate + 1.00% MCLR (as per tenure) +SP+1.00%
CR 4 to CR 6 Base Rate + 1.25% MCLR (as per tenure) +SP+1.25%
CR 7 to CR 10 Base Rate + 1.50% MCLR (as per tenure) +SP+1.50%
(d) Against undrawn balance (upto 90 days) CR 1 to CR 3 Base Rate + 1.00% MCLR (as per tenure) +SP+1.00%
CR 4 to CR 6 Base Rate + 1.25% MCLR (as per tenure) +SP+1.25%
CR 7 to CR 10 Base Rate + 1.50% MCLR (as per tenure) +SP+1.50%
(e) Against retention money (for supplies portion only  payable within one year from the date of shipment (upto 90 days) CR 1 to CR 3 Base Rate + 1.00% MCLR (as per tenure) +SP+1.00%
CR 4 to CR 6 Base Rate + 1.25% MCLR (as per tenure) +SP+1.25%
CR 7 to CR 10 Base Rate + 1.50% MCLR (as per tenure) +SP+1.50%
Export Credit not otherwise specified (ECNOS)
(a) Pre- Shipment Credit Base Rate + 7.00% MCLR of -1- year + SP+5.90%
(b) Post-Shipment Credit Base Rate + 7.00% MCLR of -1- year + SP+5.90%

EXPORT CREDIT FOR GOLD CARD HOLDERS IN INR (w.e.f 05/07/2019)

Category of Export Credit Rating Applicable Interest Rate
A. Gold Card- Pre-shipment credit   Rupee Export Credit
Up to 270 days CR1 to CR3 MCLR (as per tenure) + SP+0.75%
  CR4 to CR 6 MCLR (as per tenure) + SP+1.00%
  CR 7 to CR10 Not eligible
B. Gold Card-Post-shipment credit    
Up to 365 days from the date of advance CR1 to CR3 MCLR (as per tenure) + SP+0.75%
  CR4 to CR 6 MCLR (as per tenure) + SP+1.00%
  CR 7 to CR10 Not eligible

EXPORT CREDIT IN FOREIGN CURRENCY (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 / CMR 1 125 bps 175 bps 150 bps 125 bps
CR-2 / CMR 2 150 bps 200 bps 175 bps 150 bps
CR-3 / CMR 3 175 bps 225 bps 200 bps 175 bps
CR-4 / CMR 4 200 bps 375 bps 350 bps 300 bps
CR-5 & 6 / CMR 5 & 6 225bps 525 bps 500 bps 475 bps
CR 7 to CR 10

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

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 guidelines.

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