w.e.f.

26/05/2020 Ref :BCC:Br:112:26 dated 15-01-2020

BRLLR 6.85%
(Baroda Repo Linked Lending Rate)

BARODA PERSONAL LOAN – COVID 19 9.85%

CIBIL SCORE RATE OF INTEREST W/O insurance RBI Repo Rate : 4.00%
726 and above 6.85% 6.90% (w.e.f.22-05-2020)

HOME LOAN 701 to 726 7.10% 7.15%

650 to 701 7.85% 7.90%
Mark up Rate : 2.85%
(-1) or ( 0 ) 7.10% 7.15%
Less than 650 7.85% 7.90%
for staff public 7.10% 7.15%
Risk Premium : 0.05%
if applicable
Baroda CRE home loan
ROI as above home loan + 0.25%
3rd house case 1 Yr MCLR 7.80%
(w.e.f. 12-05-20)
up to Rs.75 lakhs : ROI as applicable to regular home loan
Baroda Home Loan Advatage
Above Rs. 75 lakhs : ROI as above home loan + 0.25% BPLR 13.00%
(w.e.f. 01-04-20)
Baroda CRE home loan up to Rs.75 lakhs : ROI as applicable to regular home loan+0.25%
(advatage) 3rd house case Above Rs. 75 lakhs : ROI as above home loan + 0.50% BASE RATE 8.70%
(w.e.f. 01-04-20)

Baroda Top Up loan Applicable ROI on linked home Loan + SP + 0.50%

CIBIL SCORE RATE OF INTEREST W/O insurance

726 and above 7.35% 7.40%
701 to 726 7.60% 7.65%
TOP-UP HOME LOAN 650 to 701 7.85% 7.90%
(-1) or ( 0 ) 7.10% 7.15%
Less than 650 7.85% 7.90%
for staff public 7.60% 7.65%

771 and Above 7.35% 7.40%

726 to 770 7.60% 7.65%
701 to 725 8.10% 8.15%
CAR LOAN 650 to 700 9.10% 9.15%
To corporate 7.35% 7.40%
Staff/ Ex-staff 7.10% 7.15%
GMI Rs. 40K above 7.60% 7.65%
(-1) or ( 0 )
GMI Rs. 40K Below 8.10% 8.150%

ALL eligible 11.10% 11.15%

Two Wheeler Loan
Staff / Ex-staff 7.10% 7.15%

CIBIL SCORE Tenure upto 120M Tenure above 120M

771 & above 8.05% 8.30%
MORT LOAN 726 TO 770 8.30% 8.55%
701 to 725 8.55% 8.80%
(INDI) 650 to 700 10.10% 10.35%
LESS THAN 650 10.60% 10.85%
(-1) or ( 0 ) 8.55% 8.80%

MORT LOAN Security Margin Tenure upto 120M Tenure above 120M
Above 50% 8.55% 8.80%
(NON - INDI) up to 50% 8.80% 9.05%

CIBIL SCORE RATE OF INTEREST

800 and Above 10.10%
PERSONAL LOAN 760 TO 799 11.10%
( ROI for existing customers having account relationship with
725 TO 759 12.10%
our Bank for minimum - 6- months)
675 TO 724 13.10%
(-1) or ( 0 ) 13.10%

CIBIL SCORE RATE OF INTEREST

800 and Above 12.10%
PERSONAL LOAN 760 TO 799 13.10%
( for applicants having account relationship
725 TO 759 14.10%
with other Bank at least for -6- months)
675 TO 724 15.10%
(-1) or ( 0 ) 15.10%

CIBIL SCORE RATE OF INTEREST

PERSONAL LOAN 760 and Above 10.10%
( Employees of Central / State G ovt. /
Autonomous Bodies/ Public / Joint Sector Undertakings, & 725 to 759 11.10%
Educational Institutions having one year service and having
Salary account with our Bank)
675 to 724 13.10%
(-1) or ( 0 ) 11.10%

BARODA LOAN TO PENSIONERS 9.10%

EDUCATION LOAN
FOR BOYS 9.60%
BARODA VIDYA
(Education Loan for School Education from Nursery to Class
FOR GIRLS 9.10%
XII) Staff family 7.10%

FOR BOYS 8.85%

BARODA GYAN
(Education Loan for Higher studies in India w/o premium
FOR GIRLS 8.35%
institutions) Staff family 7.10%
L ist AA institutions 6.85%
BARODA GYAN
(to Students of Premier Institutions In India list) L ist A institutions 6.85%
up to Rs. 7.50 7.60%
L ist B institutions
above Rs. 7.50 7.35%
up to Rs. 7.50 8.35%
L ist C institutions
above Rs. 7.50 8.10%
BARODA SCHOLAR
(Education Loan for studies abroad) Prepared by Dattatrey Parmar
FOR BOYS 8.10% EC no. 108169
Premium Institutions FOR GIRLS 7.60%
Staff family 7.10%
FOR BOYS 8.85%
w/o Premium Institutions FOR GIRLS 8.35%
Staff family 7.10%
Baroda Education Loans for Executive Development Programmes (Part Time
/ Online programmes / Distance Learning ) being offered by Premier 8.60%
Institutions abroad as listed under “Baroda Scholar”

BARODA SKILL FOR BOYS 8.35%

LOAN SCHEME FOR GIRLS 7.85%