Bank of Baroda



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


MCLR

MCLR rate w.e.f from 07.05.2016
Sr. No. MCLR Benchmark

MCLR in (%)

w.e.f. 07.05.2016 till 06.06.2016

1

Overnight MCLR

9.05

2

1 Month MCLR

9.10

3

3 Month MCLR

9.20

4

6 Month MCLR

9.25

5

1 year MCLR

9.30

6

3 year MCLR

9.30

7

5 year MCLR

9.50

Note - The bank has also decided to levy a strategic premium of 0.35% over and above the MCLR as above.


Base Rate (per annum) w.e.f. 05.10.2015 9.65%

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 Rate
Above Rs 75.00 Lacs: 0.25% over Normal Home Loan Rate

Baroda CRE Home Loan

0.25% over Normal Home Rate

Baroda CRE Home Loan (Advantage)

Upto Rs 75Lacs : 0.25% over Normal Home Rate
Above Rs 75 Lacs : 0.50% over Normal Home Rate

Baroda Additional Assured Advance (AAA)

One year MCLR + Strategic Premium + 1.50%

2.

BARODA MORTGAGE LOAN

One year MCLR + Strategic Premium + 3.25%

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)

One year MCLR + Strategic Premium + 2.00%

Traders Loan Against security of Gold ornaments / Jewellery / Gold Coins

One year MCLR + Strategic 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%

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.)

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.


Rate of Interest for Retail Loans linked to Base Rate

Baroda Home Loan to Individuals / NRIs / PIOs
Fixed Rate option Not Available
Floating Rate option (for fresh sanctions and for existing accounts w.e.f. 13.07.2015)
Repayment Period Up to Rs. 30 Lacs Above Rs. 30 Lacs and below Rs. 75 Lacs 75 Lacs and above

Upto 5 years

Base Rate i.e. 9.65%

Base Rate i.e. 9.65%

Base Rate i.e. 9.65%

Over 5 years & up to 15 years

Base Rate i.e. 9.65%

Base Rate i.e. 9.65%

Base Rate i.e. 9.65%

Over 15 years & up to 30 yrs

Base Rate i.e. 9.65%

Base Rate i.e. 9.65%

Base Rate i.e. 9.65%



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 w.e.f. 01.07.2013

    Repayment period upto 5 years

    Base Rate + 0.25% at present (irrespective of tenure)

    Repayment period > 5 years



    Baroda Loan for Two Wheelers
  • Base Rate + 4.00%

  • Baroda Mortgage Loan (w.e.f 01.10.2013)
  • 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 Education Loan for Vocational Education & Training Base Rate + 2.00%

    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



    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 at Sr.No.D of the Annexure.

    (**) Priority Sector Advances other than Agriculture, Retail & SME Advances and other special categories of  borrowers/ activities/ purposes, for which separate ROI has been stipulated at Sr.No.D of the Annexure.

    Interest Rate on Agriculture & Other Priority Sector Advances

    Sr. No. Parameters

    (A)

    Farm Credit (As defined by RBI and circulated vide our circular No. BCC:BR:
    107:195 dated 28.04.2015, except for special categories of borrowers/ activities/
    purposes, for which separate ROI has been stipulated at Sr.No.D of this circular):

    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 and circulated vide our circular No.BCC:BR:107:195 dated
    28.04.2015,  except  for  Food  &  Agro  processing  units  and  other  special categories of borrowers/activities/ purposes, for which separate ROI has been stipulated at Sr.No.D of this circular):

    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%
    (The pricing is delinked from Credit Rating. However, the Credit Rating is to be carried out to ascertain the risk profile of the portfolio)

     

    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 and circulated vide our
    circular   No.BCC:BR:107:195   dated   28.04.2015,   except   for   other   special
    categories of borrowers/ activities/ purposes, for which separate ROI has been stipulated at Sr. No.D of this circular):

    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% (The  pricing  is  delinked  from  Credit  Rating.
    However, the Credit Rating is to be carried out to ascertain the risk profile of the portfolio)

     

    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, as conveyedvide circular No.BCC:BR:107:460 dated 16.09.2015:

    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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