(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% |