Bank of Baroda



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MID/LARGE CORPORATE | RETAIL LOAN | PRIORITY SECTOR | SME | EXPORT CREDIT


MCLR

MCLR rate w.e.f from 07.09.2016
Sr. No. MCLR Benchmark

MCLR in (%)

w.e.f. 07.09.2016

1

Overnight MCLR

9.15

2

1 Month MCLR

9.20

3

3 Month MCLR

9.30

4

6 Month MCLR

9.35

5

1 year MCLR

9.40

6

3 year MCLR

9.40

7

5 year MCLR

9.60

Note - The bank has also decided to levy a strategic premium of 0.25% over and above the MCLR as above.


Base Rate (per annum) w.e.f. 01.07.2016 9.60%

Our BPLR for all the existing accounts is 13.90% per annum w.e.f from 05.10.2015

Rate of interest for Mid/Large Corporate/ Non-regulatory/SME expanded advances linked to Base Rate w.e.f 01.04.2016

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%

Rate of interest for Mid/Large Corporate/ Non-regulatory/SME expanded advances linked to MCLR w.e.f 01.04.2016

Rating Large and Mid Corporate Advances Non regulatory SME /SME Expanded Advances
CR-1 MCLR + STRATEGIC PREMIUM + 1.50% MCLR + STRATEGIC PREMIUM + 1.25%
CR-2 MCLR + STRATEGIC PREMIUM+1.60% MCLR + STRATEGIC PREMIUM+1.35%
CR-3 MCLR + STRATEGIC PREMIUM + 2.10% MCLR + STRATEGIC PREMIUM + 1.85%
CR-4 MCLR + STRATEGIC PREMIUM + 2.65% MCLR + STRATEGIC PREMIUM + 2.40%
CR-5 MCLR + STRATEGIC PREMIUM + 3.50% MCLR + STRATEGIC PREMIUM + 3.25%
CR-6 & Below MCLR + STRATEGIC PREMIUM + 5.90% MCLR + STRATEGIC PREMIUM + 5.70%

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
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

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.

Product

Rate of Interest

1.

BARODA HOME LOAN &
BARODA HOME IMPROVEMENT LOAN

From One year MCLR + Strategic Premium
to
One year MCLR + Strategic Premium + 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 Additional Assured Advance (AAA)

One year MCLR + Strategic Premium + 1.50%

2.

BARODA MORTGAGE LOAN

From One year MCLR + Strategy Premium+1.75%
To One year MCLR+ Strategic Premium+3.50%

3.

BARODA ASHRAY (REVERSE MORTGAGE LOAN)

One year MCLR + Strategic Premium + 1.75%

4.

BARODA TRADERS LOAN:

Traders Loan-Irrespective of loan limit / facility (OD / TL)

From One year MCLR + Strategy Premium+1.50%
To One year MCLR+ Strategic Premium+2.50%

Traders Loan to Commission Agents (Arthias)

One year MCLR + Strategy Premium+2.00%

5.

BARODA LOAN TO DOCTORS

Up to Rs 2.00 Lacs : One year MCLR + Strategic Premium + 3.00%
Above Rs 2.00 Lacs : One year MCLR + Strategic Premium + 2.50%

6.

Baroda Vidya (For School Education from Nursery to XII) & Baroda Gyan (For Higher Studies in India)

Up to Rs 7.50 Lacs : One year MCLR + Strategic Premium + 2.50%
Above Rs 7.50 Lacs : One year MCLR + Strategic Premium + 1.75%

Baroda Education Loan to Students of Premier Institutions
(For Studies in India)

For List-A Institutions :
Upto Rs 15 Lacs : One year MCLR + Strategic Premium + 0.25%
Above Rs 15 Lacs: One year MCLR + Strategic Premium

For List-B Institutions:
Upto Rs 7.50 Lacs : One year MCLR + Strategic Premium + 0.75%
Above Rs 7.50 Lacs: One year MCLR + Strategic Premium + 0.50%

For IIM Ahmadabad, Kolkata, Bangalore and XLRI Jamshedpur

One year MCLR + Strategic Premium

Baroda Scholar
(For Studies abroad)

List A Institute and List B Institutes:
One year MCLR + Strategic Premium + 1.00%
Other Institutes not specified in List A and List B
: One year MCLR + Strategic Premium + 2.50%

Baroda Career Development

One year MCLR + Strategic Premium + 2.75%

Baroda Skill Loan Scheme

One year MCLR + Strategic Premium + 1.50%

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

  1. Baroda Personal Loan

One year MCLR + Strategic Premium + 4.50%

  1. Baroda Premium Personal Loan

Category A: MCLR + Strategic Premium + 3.00%
Category B: MCLR + Strategic Premium + 4.00%

  1. 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
Fixed Rate option Not Available
Floating Rate option : Base Rate


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

    To Top

    MSME INTEREST RATES w.e.f. 01.04.2016

    For Limits below Rs.25.00 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%


    For limits RS. 25.00 lacs and above (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


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

    Limits

    Interest Rates

    CR1

    (MCLR +SP) +1.25

    CR2

    (MCLR +SP) +1.35

    CR3

    (MCLR +SP) +1.85

    CR4

    (MCLR +SP) +2.40

    CR5

    (MCLR +SP) +3.25

    CR6 & below

    (MCLR +SP) +5.70

    Note:Tenor premium shall not be charged over and above MCLR as it is already built in the respective tenor specific MCLR.

    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

    To Top

    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 Lacsand 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

    Cr.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

    Cr.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:

    Sr.No.

    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%

    CR3

    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

    Cr.Rating

    Loan Period

    Rate of Interest

    D.10.3.2.1

    CR1

    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

    CR2

    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

    CR3

    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

    CR4

    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

    CR5

    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

    CR6,7,8,9& 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%

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