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Interest Rates & Charges

Rate Of Interest On Term Advance

BARODA GUJARAT GRAMIN BANK
Rate of Interest on Advances w.e.f. 17.06.2020
Sr No.Scheme Code Scheme NameDescription of the scheme Rate Of Interest
(BPLR - 8.00% w.e.f 17.06.2020)
1.1 CC004 CC KISAN CREDIT CARD Loans up to 3 Lakh 7.00%**
CC012 CC-AGRICULTURE up to Rs.50,000/- 1.00% above BPLR 9.00%
Above Rs.50,000/- to Rs.2,00,000/- 1.50 % above BPLR 9.50%
Above Rs.2,00,000/- to Rs.3,00,000/- 1.75 % above BPLR 9.75%
Above Rs.3,00,000/- 2.00 % above BPLR 10.00%
2 TERM LOAN AGRICULTURE
LA01 AGRI-TERM LOAN OTHERS
LA03 LOAN FOR HORTICULTURE
LA04 LOAN FOR IRRIGATION
LA05 LOAN FOR TRACTOR MACHINE
LA06 LOAN FOR AGRI IMPLEMENTS up to Rs.50,000/- 1.50 % above BPLR 9.50%
LA07 LOAN FOR AGRI LAND DELPT Above Rs.50,000/- to Rs.3,00,000/- 2.00 % above BPLR 10.00%
LA010 LOAN FOR FARM STRUCTURES Above Rs.3,00,000/- to Rs. 10,00,000/- 3.00 % above BPLR 11.00%
LA011 LOAN AGAINST WAREHOUSE RCPT Above Rs.10,00,000/- 3.50 % above BPLR 11.50%
LA013 KISAN AWAS YOJNA
LA015 GOVT SPONSORED AG
LA017 AGRI-DEBT WAIVE RELIEF-08
LA019 LOAN FOR AGRI ALLIED ACTI
LA020 AGRI-TERM LOAN DAIRY
LA021 KISAN RIN MUKTA YOJNA
LA022 GOVT SPON AG ALLIED
LA214 KISAN AWAS YOJNA NON AG
LA103 CONST. OF RURAL GODOWNS
LA009 Agri Clinic & Agri Business
LA027 Kisan Tatkal Scheme
3 FOOD and AGRO PROCESSING UNITS
CASH CREDIT and TERM LOANS
LA001 POHA Mill, RICE Mill, DAL Mill, Flour Mill, OIL Mill, COTTON Ginning Mill, KHANDSARI & JAGGERY Making Units, GOL na KOLA, Spices Manufacturing, Manufacturing & Trading Units of DAIRY Products and AGRICULTURE products etc….
3.1 CC012 ROI for units offering collateral security below 50 % 2.50 % above BPLR 10.50%
3.2 ROI for units offering collateral security of 50 % to below 100 % ( concession of 0.25 % p.a. ). 2.25 % above BPLR 10.25%
3.3 ROI for units offering collateral security of 100 % and above (concession of 0.50 % p.a.) 2.00 % above BPLR 10.00%
3.4 OD035 Overdraft to Agro based and Agro Proessing Unit # ROI is linked with credit Rating OD accounts are linked with credit rating to decide ROI. Rating score viz a viz ROI is enclosed vide annexure-I
4 SRTO loan under Agriculture
LA212 SRTO Loans up to Rs.2,00,000/-. 2.00 % above BPLR 10.00%
LA213 SRTO Loans above Rs. 2,00,000/- 2.00 % above BPLR 10.00%
ROI on SRTO loans is delinked from credit rating
LA113 BGGB Agri end use & Agri hiring Tractor Loan Scheme 4.50 % above BPLR 12.50%
LA113 BGGB Agri cum Commercial end use Tractor Loan Scheme 4.00 % above BPLR 12.00%
5 LA014 KISAN VAHAN YOJNA Two wheeler to Farmers 3.00 % above BPLR 11.00%
5.1 FIANCING CAR LOAN TO FARMERS Car loans to Farmers
LA014 800 and above 0.00% above BPLR 8.00%
760 to 799 0.25% above BPLR 8.25%
725 to 759 1.00% above BPLR 9.00%
675 to 724 1.65% above BPLR 9.65%
Less than 675 (with permission of next higher authority) 1.65% above BPLR 9.65%
Applicant having CIBIL score (-1) or (0) or 1 to 5 ROI as under 1.00% above BPLR 9.00%
6 LA015 GOVT SPONSORED AG Term Loan for Micro Irrigation System through (GGRC Ltd)
Loan limit up to Rs.3.00 lac 1.50 % above BPLR 9.50%
Loan limit above Rs.3.00 Lac 1.75 % above BPLR 9.75%
7 OD002 LA016 Agri and Allied acttivities against Bank's own deposit i.e. LABOD OD/BOD For General Customers / Senior Citizens 1.00 % over Interest rate on FD on any amount of deposits
To the DEPOSITOR (% above contracted rate) 1.00 % Above Term Deposit Rate
Against the security of Third Party FDRs 2.00 % Above Term Deposit Rate OR 10.00 % p.a. which ever is HIGHER
8 Financing of units for construction / renovation / expansion of Storage facilities (Warehouse, Market yards, Godowns, Silos and cold storage units) under Agriculture 3.50 % above BPLR 11.50%
9 Baroda Gujarat TRADERS Loan (T/L and O.D.)
LA211 TRADERS LOAN- NON EMI BGTL-1 to 4 (above 80%) 1.25 % above BPLR 9.25%
OD006 OD TRADERS LOAN BGTL 5 to 6 (Above 50% to 80%) 1.75 % above BPLR 9.75%
BGTL Below 6 (Below 50%) 2.25 % above BPLR 10.25%
10 ADVANCE AGAINST PROPERTY ( T/L and O.D. )
LA238 ADVANCE AGAINST PROPERTY CIBIL SCORE Rate of Interest
OD005 OD AGAINST PROPERTY 800 and above 1.75 % above BPLR 9.75%
760 to 799 2.25 % above BPLR 10.25%
725 to 759 2.50 % above BPLR 10.50%
675 to 724 3.00 % above BPLR 11.00%
below 675 3.75 % above BPLR 11.75%
(-1) or (0) or 1 to 5 2.50 % above BPLR 10.50%
11 ADVANCE AGAINST PROPERTY (NON INDIVIDUAL) ( T/L and O.D. )
LA200 TERM LOAN 2.50% above BPLR 10.50%
OD026 OVER DRAFT 2.50% above BPLR 10.50%
12 AROGYADHAM Loan scheme for DOCTORS, Medical Practioners.
OD007 OD TO DOCTORS up to Rs. 3,00,00,000/- 1.00 % above BPLR 9.00%
LA209 LOAN TO DOCTORS Above Rs. 3,00,00,000/- 1.00 % above BPLR 9.00%
LA250 (Non EMI)
13 HOUSING LOANS to INDIVIDUALS Loan Limit Up to Rs. 75.00 Lacs
LA215 HSG-LN-EMI-NON CAPITALISE CIBIL SCORE Rate of Interest
LA216 HSG LN EMI COM-HOL-CAP IN 760 and above 0.60% below BPLR 7.40%
LA218 RURAL HOUSING LOAN -EMI 725 to 759 0.35% below BPLR 7.65%
LA219 RURAL HOUSING-NON EMI 675 to 724 0.30% above BPLR 8.30%
LA219 RURAL HOUSING-NON EMI up to 674 (with permission of next higher authority) 0.40% above BPLR 8.40%
(-1) or (0) or 1 to 5 0.35% below BPLR 7.65%
14 ADDITIONAL ASSURED ADVANCE (AAA)
LA 246 HSG-LN-EMI-NON CAPITALISE (TOP UP loan on Existing Housing Loans) 1.00 % above BPLR 9.00%
15 LA230 REAL ESTATE LOAN 3.00 % above BPLR 11.00%
16 LA304 Loan Against Future Rent Receivables For Land Lors of Bank premises/ Office 2.00 % above BPLR 10.00%
For Others 2.50 % above BPLR 10.50%
17 EDUCATION LOANS
LA220 EDU LOAN INDIA-CAPITALISE
LA221 EDU LOAN INDIA-NON-CAP up to Rs.7,50,000/- 2.50 % above BPLR 10.50%
LA222 EDU LOAN OVERSEAS-CAP Above Rs.7,50,000/- 2.50 % above BPLR 10.50%
LA223 EDU LOAN OVERSEAS-NON CAP (Education loan for Girls student, 0.50% concession in the interest rate to be allowed )
17.1 EDUCATION LOAN TO PERSON WITH DISABILITIES UNDER NHFDC 4% FIXED* A rebate 0.50 % on interest to Women Beneficiaries
18 CAR / JEEP Loans
LA235 CAR/4 WHL LOAN EMI COMP CIBIL SCORE Rate of Interest
800 and above 0.00% above BPLR 8.00%
Concession in applicable ROI in Car Loan 760 to 799 0.25% above BPLR 8.25%
Liquid Collateral Security like NSC, KVP, LIC 725 to 759 1.00% above BPLR 9.00%
50% of Liquid Collateral Security of Loan amount : Concession : 0.50% p.a. 675 to 724 1.65% above BPLR 9.65%
25% of Liquid Collateral Security of loan amount : Concession : 0.25% p.a. Less than 675 (with permission of next higher authority) 1.65% above BPLR 9.65%
Concession of 0.25% p.a. in ROI to our existing Home Loan borrowers having satisfactory conduct Applicant having CIBIL score (-1) or (0) or 1 to 5 ROI as under 1.00% above BPLR 9.00%
19 PERSONAL LOAN
LA237 PERSONAL LOAN-PUB-EMI CLEAN LOAN & Over Draft against S.B. salary account) to Salary Class Individuals 3.50% above BPLR 11.50%
19.1 OD001 OVERDRAFT GENERAL CLEAN Loan to Existing REGULAR HOUSING loan borrower (0.50 % concession) 3.50% above BPLR 11.50%
21 LA234 TWO WHEELER LOAN EMI TWO WHEELER Loans
loans to ALL OTHER INDIVIDUALS 3.50 % above BPLR 11.50%
22 Loans to MSME (Excluding Arogyadham Loan Scheme and SRTO Loan)
LA230 SME MED TL- NON EMI COMP up to Rs.10,00,000/- 2.00 % above BPLR 10.00%
LA231 SME SHORT TL-NON EMI COMP Above Rs.10,00,000/- Accounts are linked with Credit Rating for deciding applicable rate of Interest.Credit Rating module is enclosed vide Annexure-I
CC011 CC-SME
# Rate of interest is DE-LINKED with Credit Rating for loan limit up to Rs.10.00 lacs . Accounts with limit Rs.10.00 lacs and above are linked with Credit Rating for deciding applicable rate of Interest.
23 MUDRA Loans under Prime Minister MUDRA Yojna (PMMY-MUDRA) .
Working Capital Loans and Term Loans for All MICRO and SMALL Enterprises segment of NON FARM sector under MSME sector and engaged income generating activities in manufacturing, trading and services sector and whose credit needs are up to Rs. 10.00 lacs and Financing to Business Correspondents under PMMY - for Over Draft Demand Loan & Term Loan
SHISHU Loans ( up to Rs.50,000/-) 2.00 % above BPLR 10.00%
KISHORE Loans ( from Rs. 50,001/- to Rs.2,00,000/-) 2.00 % above BPLR 10.00%
KISHORE Loans ( from Rs. 2,00,001/- to Rs.5,00,000/-) 3.00 % above BPLR 11.00%
TARUN Loans ( from Rs. 5,00,001/- to Rs.10,00,000/-) 3.00 % above BPLR 11.00%
24 SRTO Loans to SMALL ROAD and WATER TRANSPORT OPERATORS.
LA212 TRANSPORT OPERATOR EMI ROI on SRTO loans is delinked from credit rating 2.00 % above BPLR 10.00%
LA213 TRANSPORT OPERATOR NON EMI
25 TERM LOAN (under Priority sector, NON FARM sector) not covered in above Schemes
LA207 PROFESSIONAL LOAN EMI
LA208 PROFESSIONAL LN - NON EMI up to Rs.50,000/- 2.00 % above BPLR 10.00%
LA229 GOVT SPONSORED NON AG Above Rs.50,000/- up to Rs.2,00,000/- 2.00 % above BPLR 10.00%
LA233 RURAL ARTISAN/COTTAGE IND Above Rs.2,00,000/- up to Rs.10,00,000/- 3.00 % above BPLR 11.00%
Above Rs.10,00,000/- Credit Rating module to decide ROI is enclosed vide Annexure-I
# Rate of interest is DE-LINKED with Credit Rating for loan limit up to Rs.10.00 lacs. Accounts with limit Rs.10.00 lacs and above are linked with Credit Rating for deciding applicable rate of Interest.
26 SELF EMPLOYMENT SCHEME under National Handicapped Finance Development Corporation (NHFDC) subject to availability of REFINANCE at concessional rate from NHFDC. In case of OH In case of VH / HH / MR
LOAN UP TO RS.50,000 5% FIX ** 4.5% FIX **
LOAN ABOVE RS.50,000 TO 5.00 LACS 6% FIX ** 5.5% FIX **
LOAN ABOVE RS.5.00 LACS TO 15.00 LACS 7% FIX ** 6.5% FIX **
LOAN ABOVE RS.15.00 LACS TO 25.00 LACS 8% FIX ** 7.5% FIX **
* SPECIAL REBATE OF 1% ON INTEREST IS GIVEN TO WOMEN BENEFICIARIES WITH DISABILITIES IN ALL THE SCHEME OF NHFDC
27 OVERDRAFT Against LAND and BUILDING (For MSME)
OD026 for MICRO Enterprises (MEs) 2.50 % above BPLR 10.50%
for SMALL Enterprises (SEs) 2.50 % above BPLR 10.50%
for MEDIUM Enterprises 2.50 % above BPLR 10.50%
28 LA023 JOINT LIABLITY GROUP Loans to S.H.G.s ( Self Help Group ) & JLG (Farm & Non farm) 3.15 % above BPLR 11.15%
CC008 CC-GOVT SPONSERED (SHG)
loans to NGOs for onward lending to SHGs 3.15 % above BPLR 11.15%
29 LA244 (NRLM) Financing to SHG under DAY NRLM/SLRM 3.15 % above BPLR 11.15%
LA245 (SLRM)
30 LA252 CC020 Financing to Individual enterprise under Self Employment Programme (SEP-I) under DAY NULM/SULM under MSME 3.15 % above BPLR 11.15%
31 CASH CREDIT GENERAL
CC001 CASH CREDIT GENERAL
CC BOOK DEBT/SUPP BILL Loans up to Rs.50,000/- to Rs.2,00,000/- 2.00 % above BPLR 10.00%
Loans from Rs. 2,00,001/- to Rs.10,00,000/-. 3.00 % above BPLR 11.00%
Above Rs.10,00,000/- Credit Rating module to decide ROI is enclosed vide Annexure-I
32 General Credit Card Scheme (GCC)
CC005 CC-GENERAL CREDIT CARD General Credit Card Scheme (GCC) 5.00 % above BPLR 13.00%
33 CC006 CC-SWAROJGAR CREDIT CARD Artisan Credit Cards
CC007 CC-ARTISEN CREDIT CARD UP TO Rs. 2,00,000/- ( maximum) 2.00 % above BPLR 10.00%
CC009 CC-LAGHU UDH CREDIT CARD
34 Term Loan for SOLAR LIGHTING / Rooftop System
LA202 DEMAND LOAN GRAM UJALA 2.00 % above BPLR 10.00%
LA204 TERM LOAN GRAM UJALA 2.00 % above BPLR 10.00%
Loan Against Securities NSC, KVP, LIC Policies
35 OD004 OD - NSC/KVP/LIC ETC. Loan Against Securities NSC, KVP, LIC Policies
LA301 LN AGST NSC/KVP/LIC N EMI FOR PUBLIC 3.00 % above BPLR 11.00%
LA302 LOAN AGST NSC/KVP/LIC EMI FOR STAFF 1% Above applicable rate of NSC/ KVP/LIC Polices
36 Advance against GOLD ORNAMENTS
36.1 Crop Loan 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 0.50 % above BPLR i.e. 9.50 % p.a.
36.2 Agriculture Other than Crop Loan / Other Priority Sector Advance including MSME Regulatory Segment & Business Persons. Applicable rate of interest on such advances shall be 0.50% above BPLR 8.50%
37 LABOD
LA305 LABOD NON EMI
OD002 OD AGT BANK'S OWN DEPOSIT To the DEPOSITOR (% above contracted rate ) 1.00 % Above Term Deposit Rate
To SENIOR CITIZEN (% above contracted rate ) 1.00 % Above Term Deposit Rate
Against THIRD PARTY receipt (% above contracted rate ) 2.00 % Above Term Deposit Rate OR 10.00 % p.a., whichever is HIGHER
To STAFF MEMBERS of our Bank 1.00 % Above Term Deposit Rate
TAKE OVER BY OTHER INSTITUTION
38 Charges for TAKEOVER by other Banks / financial institutions ( in case of term loans) (Except Housing Loan) 0.50 % p.a. of balance outstanding for residual period subject to maximum of 3.00%

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