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- NRE
- NRO
- OCI (Overseas Citizens of India)
- PIO (Persons of Indian origin)
- Foreign Currency Deposits
- RFC Accounts
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Baroda NRE Salary Savings Account
NRI/PIO individual who have gone out for employment and receiving salary and bonuses at a fixed interval from their employer.
- Auto transfer of funds to Flexi-Fixed Deposit account.
- Easy liquidity and convertibility.
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Rupee Linked Foreign Currency Deposit Scheme for NRIs
NRI's forward contract can be booked on maturity amount. Yields expected depends on forward premium between two set of currencies.
- Period of 12, 24 and 36 months.
- Minimum USD 10,000 or its equivalent in any convertible currency.
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Foreign Currency Linked Rupee Deposits (FCLRD) Scheme
Offers the dual advantage and benefits of both NRE Rupee Deposits and FCNRD Deposits.
- Risk of losing money due to a fall in the exchange rate is eliminated.
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Foreign Currency Non Resident B Term Deposit
A deposit plan enables entire maturity proceeds i.e in Foreign Currency (USD, GBP, EURO, AUD) at par at a place of your choice.
- Entire funds (Principal + Interest) held in FCNR accounts can be repatriated.
- Intimation of due dates enable you to plan your finance portfolio.
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Baroda Advantage Fixed Deposits NRO-Non Callable
Advantage Fixed Deposits gets differential rate of interest over Normal Fixed Deposit rate.
- Period: Minimum 12 months Maximum 120 months.
- Minimum Rs. 15 lakhs and maximum below Rs. 2 crores.
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Baroda Premium NRE Savings Bank Account
A saving bank product with value added propositions and privileges to high value NRI customers. The account is available in all Indian branches.
- Free remittance facility if beneficiary maintains account at any of branch in India.
- Interest and principal fully repatriable.
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NRE Rupee Current Account
Opened by NRI's by way of remittance from abroad. These accounts are useful for business transactions for individuals and institutions.
- Provides standard banking facilities.
- No interest is applicable on the deposit amount.
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NRE Rupee Fixed Deposits
A deposit plan that enables opening an account through instruments such as demand drafts, mail transfers etc. which also provides the option for reimbursement plan and quarterly interest plan.
- Confidentiality of accounts.
- Option of payment of proceeds in the currency of your own choice.
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NRE Rupee Savings Account
A deposit plan that enables opening an account through instruments such as demand drafts, telegraphic transfers, telex, mail transfers etc.
- Provides standard banking facilities.
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NRO Rupee Current Account
An NRO-CA account can be opened by remittance from abroad, or by legitimate dues in rupees of the account holder in India.
- Joint A/c with resident close relatives is allowed.
- No interest applicable on deposits.
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NRO Rupee Fixed Deposits
A deposit plan is useful for NRI's to invest from local profits/yields.
- Confidentiality of accounts and transactions.
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NRO Rupee Savings Account
Specific to NRI's, a NRO-SB account can be opened by remittance from abroad or by legitimate dues in rupees of the account holder in India.
- Close relative residents can become joint account holders.
- Avail of remittance facilities.
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Resident Foreign Currency A/C - for NRIs returning to India for settling in India
Bank of Baroda offers remunerative deposits for NRI's returning to India with the intention of permanently settling down here.
- Accounts are maintained in US Dollars,GBP, EURO to AUD denomination.
- Existing repatriable accounts will be renamed as RFC Accounts.
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RFC Domestic Account GCO for Resident Indians
This deposit plan is ideal for utilizing foreign exchange acquired on account of travel visit or receipt of honorarium or gift.
- Instant credit against currency notes/traveller cheques received for credit.
- A minimum balance of USD 500 or equivalent is mandatory.

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Can I avail a home loan from Bank of Baroda?
- Yes, you can avail a home loan from Bank of Baroda, if you plan to construct or purchase a house/flat or extend your existing house/flat and, you are:
- A minimum of 21 years
- Employed or self-employed with a regular income.
- Yes, you can avail a home loan from Bank of Baroda, if you plan to construct or purchase a house/flat or extend your existing house/flat and, you are:
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What is the average tenure of a home loan?
- We grant term up to a maximum of 30 years. The term for the loan will under no circumstances exceed the age of retirement or completion of 65 years of age, whichever is earlier.
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Who can be co-applicant?
- The proposed owners of the residential accommodation as per the agreement for sale, in respect of which financial assistance is sought, must be co-applicants. Usually, joint applications are from husband-wife, father-son or mother-son, etc.
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How much does Bank of Baroda lend?
- Loan amount is determined on the basis of the repaying capacity of the applicant/s. Repaying capacity takes into consideration factors such as age, income, dependents, assets, liabilities, stability of occupation and continuity of income, savings, etc.
- The maximum loan would be Rs.10 crores per unit to any individual applicant based on the area where the property is proposed to be constructed/purchased. We will extend a loan of up to 90% (for newly constructed houses/flat) of the cost of property under our Housing Loan Scheme.
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For how long a period can I get the loan?
- We grant a term up to a maximum of 30 years. The term for the loan will under no circumstances exceed the age of retirement or completion of 65 years of age, whichever is earlier.
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But can I prepay the loan ahead of schedule?
- Yes, you have the option to prepay the loan ahead of schedule either in parts or in full from your own sources.
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What is the mode of repayment?
- Equated Monthly Instalment (EMI): It means a uniform lumpsum amount, which includes repayment of a part of the principal amount and payment of interest, calculated on daily product basis.
or
- Fixing the monthly/quarterly instalments on the graduated basis is permitted of EMI as requested by customers.
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What is the security for the loan?
- The security for the loan is an equitable mortgage of the property to be financed. The security for the loan is equitable mortgage of the property to be financed.
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What are the supporting documents required while applying for the loan?
Common requirements for all applicants.
- Application form duly filled in (with a photograph of all the applicant).
- Residence and age verification, which may be established from the PAN Card, Election ID, Passport, Drivers Licence and Ration Card, etc.
- Copy of approved plan and sanction letter from local civic authority.
- Copy of NA permission.
- One/two guarantor/s form/s and salary certificates: If a guarantor is in business, copies of I.T. returns or assessment orders for the last three years are required.
- Bank passbook of statements for the last two years.
- Latest salary slip/statement showing all deductions in case of employed applicants.
- Certified copies of Balance Sheets and Profit and Loss accounts, IT acknowledgments, advance tax challans (for both company/firm and personal account) for the last three years in case of self-employed applicants.
- Memorandum/articles of association for companies, partnership deeds for firms and a brief profile of your company/firm in case of self-employed applicants.
Additional requirement.
- In case of purchase from builder
- Copy of agreement for sale.
- Copy of registration receipt.
- Copy of sanctioned plan & sanction letter of the competent authorities.
- Copy of NA permission/ULC order.
- Copies of receipts of payments already made.
- NOC from builders in our format.
- In case of direct allotment in a Co-operative Housing Society
- Allotment letter.
- Share certificate. Society registration certificate.
- Copy of sale/lease deed in favour of the society.
- NOC from society in our format.
- Possession letter in original.
- In case of resale:
- Copy of all the previous vendors’ agreements duly stamped and registered and the registration receipts. (original to be given before disbursement).
- NOC from society/builder in our format.
- Original share certificate.
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Whether you have any housing loan products for NRIs?
- Yes. We have housing loan products for NRIs/PIOs. For details, please visit our website at Housing Loans to NRIs /PIOs