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Interest Rates on Advances

WHOLESALE | RETAIL LOAN | PRIORITY SECTOR | SME | EXPORT CREDIT

Base Rate (per annum) w.e.f. 04.02.2011 9.50%

Branch Locator Our BPLR for all the existing accounts is 13.75 % per annum w.e.f from 04.02.2011
NRI Services
Calculators Wholesale
Application Forms
BOBCards Rate of interest for Wholesale w.e.f 04.02.2011

Important Links
Rating Rate of Interest
CR-1 Base Rate + 4.25%
CR-2 Base Rate + 4.50%
CR-3 Base Rate + 5.00%
CR-4 Base Rate + 5.50%
CR-5 Base Rate + 6.25%
CR-6 Base Rate + 6.75%
CR-7,8,9,10 Base Rate + 7.00%

Rate of interest on Bill Discounted under LC for all categories

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, i.e. 10.00% p.a. at present.
b. Having contractual maturity from 91 to 180 days. 0.75% above Base Rate, i.e. 10.25 % p.a. at present.
c. Having contractual maturity more than 180 days
4.00% above Base Rate i.e.13.50% p.a at present.
upto 1 year(Our Bank's LC)
d. Having contractual maturity more than 180 days
4.50% above Base Rate, i.e. 14.00% p.a. at present.
upto 1 year (Other Bank's LC)

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Retail Loans

Interest Rate w.e.f 04.02.2011

Baroda Home Loan to Individuals / NRIs / PIOs (W.E.F 04.02.2011)

Fixed Rate option
Floating Rate option
Repayment Period
Not Available
Above Rs. 30 Lacs and
Up to Rs. 30 Lacs 75 Lacs and above
below Rs. 75 Lacs

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0.50% above Base Rate i.e. 1.25% above Base Rate i.e. Base Rate + 1.50% i.e.
Upto 5 years
10.00% 10.75% 11.00%
Over 5 years & up to 15 0.75% above Base Rate i.e. 1.50% above Base Rate i.e. Base Rate +1.75% i.e.
years 10.25% 11.00% 11.25%
1.00% above Base Rate i.e 1.75% above Base Rate Base Rate +2.00% i.e.
Over 15 years & up to 25 yrs
10.50% i.e.11.25% 11.50%

Baroda Home Improvement Loan

2.50% above Base Rate i.e. 12.00%.

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

6.50% above Base Rate i.e. 16.00%

Baroda Mortgage Loan (Realigned Product)

5.25% above Base Rate i.e.14.75%

Baroda Ashray (Reverse Mortgage)

Fixed Rate Option: Not Available
Floating Rate Option 1.75% Above Base Rate i.e. 11.25% p.a

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

4.00 % above Base Rate i.e.13.50%

Baroda Loan to Doctors

Upto Rs.2/- lacs 3.00 % above Base Rate i.e. 12.50%.
Above Rs.2.lacs 2.50 % above Base Rate i.e. 12.00%.

Baroda Education Loan

Loans upto Rs.4.00 lacs 2.00% above Base Rate i.e. 11.50%.
Loans above Rs.4.00 lacs 4.00% above Base Rate i.e. 13.50%.
Loans above Rs.4.00 lacs for ISB, Hyderabad Students 2.00% above Base Rate i.e. 11.50%.

Baroda Career Development

4.75% Above Base Rate i.e. 14.25%

Baroda Loan for Training, Skill Upgradation of Construction workers

5.00% Above Base Rate i.e. 14.50%

Baroda Auto Loan

Baroda Car Loan/ Baroda Car Loan to HNIs / Corporate w. e.f 01.09.2010
For Loans of tenor upto 5 years
2.50% above Base Rate i.e. 12.00%
(Irrespective of amount of loan):
For Loans of tenor over 5 years
3.00% above Base Rate i.e. 12.50%
(Irrespective of amount of loan):

Baroda Loan for Two Wheelers

4.00% above Base Rate i.e. 13.50%.

Baroda Advance Against Securities

Loan: 3.50% above Base Rate or 0.50% over NSC / KVP rate, whichever is higher
A Against NSC/KVP
Overdraft: 4.00% above Base Rate or 0.75% over NSC / KVP, whichever is higher

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Life Insurance Policy / Loan: 3.50% above Base Rate i.e. 13.00 %
B
Relief Bonds Overdraft: 4.00% above Base Rate i.e. 13.50%.

Baroda Personal Loan

6.50% above Base Rate i.e. 16.00%
Except for following Purpose
Loan to Pensioners: 5.25% above Base Rate i.e. 14.75%
Loan to Defence Pensioners: 5.25% above Base Rate i.e. 14.75%
Loan for Earnest Money Deposit: 3.25% above Base Rate i.e. 12.75%

Baroda Salary Advantage Savings Account

5.50% above Base Rate i.e.15.00%

Baroda Loan Against Future Rent Receivables

6.00% above Base Rate i.e.15.50%

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

Category Loan to depositor Loan to third party

Domestic (Public) 1.50% over deposit rate 2% over deposit rate or 3.50% above Base Rate, whichever is higher.
Senior Citizens 1.25% over deposit rate Not applicable
NRE Deposits (Public) # 1.50% over deposit rate 2% over deposit rate or 3.50% above Base Rate, whichever is higher.

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

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

Category Loan to depositor Loan to third party

Domestic (Public) 1.75% over deposit rate 2.25% over deposit rate or 3.50% above Base Rate, whichever is higher.

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Priority Sector

Interest rate (per annum)

Sr. No. Parameter
w.e.f. 01.07.2010
1. Direct Agriculture
1.1 Crop loans/ Production Credit
7.00% p.a. (Fixed) *
*Subject to Govt. of India provides subvention to
Banks on such advances. Otherwise as
mentioned above:
1.1.1 Crop loans/Production Credit up to Rs. 3 lacs. Upto Rs.50,000: 0.50% above Base Rate
Above Rs. 50,000 upto Rs.2 lacs: 1.25%
above Base Rate
Above Rs.2 lacs upto Rs.3 lacs : 2.25% above
Base Rate
Crop loans/Production Credit Above Rs. 3 lacs and upto
1.1.2 2.75% above Base Rate
Rs. 10 lacs.
1.1.3 Crop loans/Production loans above Rs. 10 lacs. 3.75% above Base Rate

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1.2 Investment loans (Based on aggregate limits combined with production credit)
1.2.1 Upto Rs.50,000. 1.00% above Base Rate
1.2.2 Above Rs.50,000 upto Rs. 2 lacs 1.75% above Base Rate
1.2.3 Above Rs. 2 lacs upto Rs.10 lacs. 2.75% above Base Rate
1.2.4 Above Rs. 10 lacs 3.75% above Base Rate
Indirect Agriculture/Other Priority Sector (Other than Housing Loans, Retail Lending Products &
2
SME)
Finance to PACS/FSS/LAMPS for on lending to farmers
2.1 0.50% above Base Rate
irrespective of loan limit/purpose.
2.2 Finance to SHGs irrespective of loan limit/purpose 1.00% above Base Rate
2.3 Finance to others not mentioned above
2.3.1 Loans upto Rs.50,000 1.00% above Base Rate
2.3.2 Above Rs.50,000 to Rs. 2 lacs. 1.50% above Base Rate
3.75% above Base Rate The pricing is delinked
from credit rating. However, the credit rating is
2.3.3 Above Rs.2 lacs but less than Rs. 25 lacs.
to be carried out to ascertain the risk profile of
the portfolio.
Ranging from 3.15% above Base Rate to 5.00%
above Base Rate for loans depending upon
2.3.4 Rs. 25 lacs and above.
credit rating of individual borrower irrespective
of the tenure as mentioned above.
2.3.4.1 For Indirect Agriculture
As per CRISIL Model Irrespective of Tenure of Loan
CR1 3.15% above Base Rate
CR2 3.50% above Base Rate
CR3 3.75% above Base Rate
CR4 4.00% above Base Rate
CR5 4.50% above Base Rate
CR 6, 7, 8, 9 & 10 5.00% above Base Rate
2.3.4.2 Other Priority Sector
As per CRISIL Model Irrespective of Tenure of Loan
CR1 3.15% above Base Rate
CR2 3.50% above Base Rate
CR3 3.75% above Base Rate
CR4 4.50% above Base Rate
CR 5, 6, 7, 8, 9 & 10 5.00% above Base Rate

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Interest rates applicable for domestic credit (Micro, Small & Medium Enterprises) w.e.f 01.07.2010

Micro / Small Enterprises

Loan Limit For Micro Enterprises For Small Enterprises

Upto Rs. 50,000 At Base Rate 0.50% above Base Rate
Above Rs. 50,000 upto Rs. 2.00 lacs 0.50% above Base Rate 1.00% above Base Rate
Above Rs.2 lacs but less than Rs.25 lacs 2.75% above Base Rate 3.25% above Base Rate

On SME advances of Rs.25.00 lacs and abovee

Credit Rating For Micro Enterprises For Small Enterprises

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Fund Based Limits upto Fund Based Limits above Rs.10

Rs.10 crores crores
CR1 2.15% above Base Rate 2.65% above Base Rate. 3.15% above Base Rate
CR2 2.50% above Base Rate. 3.00% above Base Rate. 3.50% above Base Rate.
CR3 2.75% above Base Rate. 3.25% above Base Rate. 3.75% above Base Rate.
CR4 3.00% above Base Rate 3.50% above Base Rate. 4.00% above Base Rate
CR5 3.50% above Base Rate. 4.00% above Base Rate 4.50% above Base Rate
CR 6, 7, 8, 9 &
4.00% above Base Rate 4.50% above Base Rate 5.00% above Base Rate
10

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Medium Enterprises :

I. For advances over Rs. 2/- lacs and less than Rs. 25/- lacs : 3.75% above Base Rate

II. For advances of Rs. 25/- lacs and above :

Credit Rating Fund Based Limits upto Rs.10 crores Fund Based Limits above Rs.10 crores
CR1 2.90% above Base Rate 3.40% above Base Rate
CR2 3.25% above Base Rate 3.75% above Base Rate
CR3 3.75% above Base Rate 4.25% above Base Rate
CR4 4.25% above Base Rate 4.75% above Base Rate
CR5 5.00% above Base Rate 5.50% above Base Rate
CR 6, 7, 8, 9, 10 5.75% above Base Rate 6.25% above Base Rate

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Export Credit - (Interest rates w.e.f 04.02.2011)

Interest rates for Normal Exporters

Categories of Rupee Export Credit Credit Rating Rate of Interest

Pre-Shipment Credit
CR 1 to CR 3 1.00% above Base Rate i.e, 10.50%
(a) Up to 270 days CR 4 to CR 6 1.25% above Base Rate i.e, 10.75%
CR 7 to CR 10 1.50% above Base Rate i.e, 11.00%
CR 1 to CR 3 1.00% above Base Rate i.e, 10.50%
(b) Against incentives receivable from
Govt. (Covered by ECGC guarantee) upto CR 4 to CR 6 1.25% above Base Rate i.e, 10.75%
90 days.
CR 7 to CR 10 1.50% above Base Rate i.e, 11.00%
Post-Shipment Credit
CR 1 to CR 3 1.00% above Base Rate i.e, 10.50%
a) On Demand Bills for transit period (as
CR 4 to CR 6 1.25% above Base Rate i.e, 10.75%
specified by FEDAI)
CR 7 to CR 10 1.50% above Base Rate i.e, 11.00%
(b) Against Usance bills upto notional due
date or actual due date, whichever is
earlier (for total period comprising of
usance period of export bills, transit period
as specified by FEDAI and grace period
wherever applicable

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CR 1 to CR 3 1.00% above Base Rate i.e, 10.50%

i) Upto 180 days from the date of advance CR 4 to CR 6 1.25% above Base Rate i.e, 10.75%
CR 7 to CR 10 1.50% above Base Rate i.e, 11.00%
CR 1 to CR 3 1.00% above Base Rate i.e, 10.50%
c) Against incentives receivable from Govt.
(covered by ECGC Guarantee) upto 90 CR 4 to CR 6 1.25% above Base Rate i.e, 10.75%
days
CR 7 to CR 10 1.50% above Base Rate i.e, 11.00%
CR 1 to CR 3 1.00% above Base Rate i.e, 10.50%
d) Against undrawn balance (upto 90
CR 4 to CR 6 1.25% above Base Rate i.e, 10.75%
days)
CR 7 to CR 10 1.50% above Base Rate i.e, 11.00%
CR 1 to CR 3 1.00% above Base Rate i.e, 10.50%
e) Against retention money (for supplies
portion only) payable within one year from CR 4 to CR 6 1.25% above Base Rate i.e, 10.75%
the date of shipment (upto 90 days)
CR 7 to CR 10 1.50% above Base Rate i.e, 11.00%
Export Credit Not Otherwise Specified (ECNOS)*
(a) Pre-Shipment Credit 7.00% above Base Rate i.e, 16.50%
(b) Post-Shipment Credit 7.00% above Base Rate i.e, 16.50%

Interest Rates on Export Credit in Foreign Currency (w.e.f. 19.02.2010)

Rate of Interest
Pre shipment and Post shipment LIBOR plus 200 basis points

Interest rates for Gold Card Holders

Categories of Rupee Export Credit Credit Rating Rate of Interest

Pre-Shipment Credit
CR 1 to CR 3 0.75% above Base Rate i.e, 10.25%
(a) Up to 270 days CR 4 to CR 6 1.00% above Base Rate i.e, 10.50%
CR 7 to CR 10 NOT ELIGIBLE
Post-Shipment Credit
CR 1 to CR 3 0.75% above Base Rate i.e, 10.25%
(a) Up to 365 days CR 4 to CR 6 1.00% above Base Rate i.e, 10.50%
CR 7 to CR 10 NOT ELIGIBLE

Penal Interest Rate : In the event of non-compliance with any of the terms or conditions of the sanction , penal interest upto a
maximum of 2% over and above the contracted rate , will be charged to the borrower

Click for Interest Rates on Deposits

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