Advances1

Rate Of Interest On Term Advance

Baroda Gujarat Gramin Bank - Rate of Interest
Bank's BPLR (Benchmark Prime Lending Rate) : 9.30% with its effective date is : 13-12-2022.
Description of the scheme ROI
CASH CREDIT CROP LOAN CROP LOAN (inclusive of B.G.K.C.C scheme)* Up to Rs.3,00,000/- and Financing marketing of Crops against Pledge of Agriculture Produce / Stock to farmers (with reference to modified Interest Subvention scheme of GoI for Short Term Loans)
CC KISAN CREDIT CARD For Crop Loan cases not covered in (a) above and Financing marketing of Crops against Pledge of Agriculture Produce / Stock to farmers:
CC-AGRICULTURE Up to Rs. 50,000 10.50
Above Rs. 50,000 to Rs. 2,00,000 11.00
Above Rs. 2,00,000 to Rs. 3,00,000 11.25
Above Rs. 3,00,000 to Rs. 10,00,000 10.50
Above Rs. 10,00,000 to Rs. 30,00,000 10.80
Above Rs. 30,00,000 to Rs. 50,00,000 11.30
Above Rs. 50,00,000 11.80
AGRI-TERM LOAN OTHERS
LOAN FOR HORTICULTURE
LOAN FOR IRRIGATION
LOAN FOR TRACTOR MACHINE
LOAN FOR AGRI IMPLEMENTS up to Rs.3,00,000/- 11.00
LOAN FOR AGRI LAND DELPT Above Rs.3,00,000/- to Rs. 10,00,000/- 11.25
LOAN FOR FARM STRUCTURES Above Rs.10,00,000/- 11.40
LOAN AGAINST WAREHOUSE RCPT
KISAN AWAS YOJNA
GOVT SPONSORED AG
AGRI-DEBT WAIVE RELIEF-08
LOAN FOR AGRI ALLIED ACTI
AGRI-TERM LOAN DAIRY
KISAN RIN MUKTA YOJNA
GOVT SPON AG ALLIED
KISAN AWAS YOJNA NON AG
CONST. OF RURAL GODOWNS
Agri Clinic & Agri Business
Kisan Tatkal Scheme 12.00
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….
ROI for units offering collateral security below 50 % 11.80
ROI for units offering collateral security of 50 % to below 100 % ( concession of 0.25 % p.a. ). 11.55
ROI for units offering collateral security of 100 % and above (concession of 0.50 % p.a.) 11.30
Overdraft to Agro based and Agro Proessing Unit # ROI is linked with credit Rating
SRTO Loans up to Rs.2,00,000/-. 11.30
SRTO Loans above Rs. 2,00,000/-
ROI on SRTO loans is delinked from credit rating
BGGB Agri end use & Agri hiring Tractor Loan Scheme 13.80
BGGB Agri cum Commercial end use Tractor Loan Scheme 13.30
KISAN VAHAN YOJNA Two wheeler to Farmers 12.30
Car loans to Farmers
Based on CIBIL Score:
800 and above 8.85
771 to 799 9.45
726 to 770 9.70
701 to 725 10.35
675 to 700 12.00
650 to 674 (with prior permission of next higher authority) 12.10
(-1) 9.70
GOVT SPONSORED AG Term Loan for Micro Irrigation System through (GGRC Ltd)
Loan limit up to Rs.3.00 lac 11.00
Loan limit above Rs.3.00 Lac to RS.10.00 11.25
Loan limit above Rs.10.00 Lac 11.40
Agri and Allied acttivities against Bank's own deposit i.e. LABOD OD/BOD For General Customers / Senior Citizens
To the DEPOSITOR (% above contracted rate)
Against the security of Third Party FDRs
Financing of units for construction / renovation / expansion of Storage facilities (Warehouse, Market yards, Godowns, Silos and cold storage units) under Agriculture 12.80
TRADERS LOAN- NON EMI BGTL-1 to 4 (above 80%) 9.30
OD TRADERS LOAN BGTL 5 to 6 (Above 50% to 80%) 9.80
BGTL Below 6 (Below 50%) 11.10
ADVANCE AGAINST PROPERTY CIBIL SCORE
OD AGAINST PROPERTY 800 and above 10.05
760 to 799 10.20
725 to 759 10.40
675 to 724 10.70
below 675 up to 650 (with prior permission to next higher authority) 11.70
(-1) 10.70
TERM LOAN Margin Above 50% 10.30
OVER DRAFT Margin up to 50% 10.80
OD TO DOCTORS up to Rs. 3,00,00,000/- 10.00
LOAN TO DOCTORS Above Rs. 3,00,00,000/-
HSG-LN-EMI-NON CAPITALISE Based on CIBIL Score:
HSG LN EMI COM-HOL-CAP IN 800 and above 9.10
RURAL HOUSING LOAN -EMI 771 to 799 9.10
RURAL HOUSING-NON EMI 751 to 770 9.20
RURAL HOUSING-NON EMI 726 to 750 9.40
701 to 725 (with prior permission of next higher authority) 9.50
Less than 701 (with prior permission of next higher authority) 10.60
(-1) 9.50
HSG-LN-EMI-NON CAPITALISE (TOP UP loan on Existing Housing Loans)
REAL ESTATE LOAN 12.30
Loan Against Future Rent Receivables For Land Lords of Bank premises/ Office 10.30
For Others 10.80
EDU LOAN INDIA-CAPITALISE Collateral Security Free 11.80
EDU LOAN INDIA-NON-CAP Collateral Security up to 50% 10.80
EDU LOAN OVERSEAS-CAP Collateral Security above 50% 10.30
EDU LOAN OVERSEAS-NON CAP (Education loan for Girls student, 0.50% concession in the interest rate to be allowed )
Scheme guidelines of Education Loans to be strictly followed in case of collateral security .
EDUCATION LOAN TO PERSON WITH DISABILITIES UNDER NHFDC
CAR/4 WHL LOAN EMI COMP Based on CIBIL Score:
Concession in applicable ROI in Car Loan Based on CIBIL Score:
Liquid Collateral Security like NSC, KVP, LIC 800 and above 8.85
50% of Liquid Collateral Security of Loan amount : Concession : 0.50% p.a. 771 to 799 9.45
25% of Liquid Collateral Security of loan amount : Concession : 0.25% p.a. 726 to 770 9.70
Concession of 0.25% p.a. in ROI to our existing Home Loan borrowers having satisfactory conduct 701 to 725 10.35
675 to 700 12.00
650 to 674 (with prior permission of next higher authority) 12.10
(-1) 9.70
Particular
PERSONAL LOAN-PUB-EMI CLEAN LOAN & Over Draft against S.B. salary account) to Salary Class Individuals Salary with other Bank (CIBIL Score Based)
701 & above and (-1) : 2.05% above BPLR i.e. 11.35
OVERDRAFT GENERAL CLEAN Loan to Existing REGULAR HOUSING loan borrower (0.50 % concession) Below 701 : 3.50% above BPLR i.e. 12.80
TWO WHEELER LOAN EMI TWO WHEELER Loans
loans to ALL OTHER INDIVIDUALS 13.10
SME MED TL- NON EMI COMP up to Rs.10,00,000/- 10.20
SME SHORT TL-NON EMI COMP Above Rs.10,00,000/-
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.
Credit Rating Above Rs. 25.00 Lacs
Marks above 90 ( Rating A+) 10.20
Marks above 80 and up to 90 ( Rating A) 10.25
Marks above 70 and up to 80 ( Rating A-) 10.30
Marks above 60 and up to 70 ( Rating B) 10.35
Marks above 55 and up to 60 ( Rating C) 10.40
Marks above 50 and up to 55 ( Rating D) 12.80
Marks below 50 ( Rating E) 13.80
*The proposal having Rating D & E, to be rrefered to Next Authority for decision.
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/-) 11.30
KISHORE Loans ( from Rs. 50,001/- to Rs.2,00,000/-) 11.30
KISHORE Loans ( from Rs. 2,00,001/- to Rs.5,00,000/-) 12.30
TARUN Loans ( from Rs. 5,00,001/- to Rs.10,00,000/-) 12.30
TRANSPORT OPERATOR EMI ROI on SRTO loans is delinked from credit rating 11.30
TRANSPORT OPERATOR NON EMI
PROFESSIONAL LOAN EMI
PROFESSIONAL LN - NON EMI up to Rs. 2,00,000/- 11.30
GOVT SPONSORED NON AG Above Rs.2,00,000/- up to Rs.10,00,000/- 12.30
RURAL ARTISAN/COTTAGE IND Above Rs.10,00,000/-
SELF EMPLOYMENT SCHEME under National Handicapped Finance Development Corporation (NHFDC) subject to availability of REFINANCE at concessional rate from NHFDC.
LOAN UP TO RS.50,000
LOAN ABOVE RS.50,000 TO 5.00 LACS
LOAN ABOVE RS.5.00 LACS TO 15.00 LACS
LOAN ABOVE RS.15.00 LACS TO 25.00 LACS
* SPECIAL REBATE OF 1% ON INTEREST IS GIVEN TO WOMEN BENEFICIARIES WITH DISABILITIES IN ALL THE SCHEME OF NHFDC
Security Margin above 50% 10.30
Security Margin up to 50% 10.80
JOINT LIABLITY GROUP JLG (Farm & Non farm) 12.45
CC-GOVT SPONSERED (SHG)
loans to NGOs for onward lending to SHGs 12.45
Financing to SHG under DAY NRLM/SLRM RoI
7.00*
0.70% above BPLR i.e. 10.00
3.20% above BPLR i.e. 12.50
Financing to Individual enterprise under Self Employment Programme (SEP-I) under DAY NULM/SULM under MSME 13.20
CASH CREDIT GENERAL
CC BOOK DEBT/SUPP BILL Loans up to Rs.50,000/- to Rs.2,00,000/- 11.30
Loans from Rs. 2,00,001/- to Rs.10,00,000/-. 12.30
Above Rs.10,00,000/-
CC-GENERAL CREDIT CARD General Credit Card Scheme (GCC) 14.30
CC-SWAROJGAR CREDIT CARD
CC-ARTISEN CREDIT CARD UP TO Rs. 2,00,000/- ( maximum) 11.30
CC-LAGHU UDH CREDIT CARD
DEMAND LOAN GRAM UJALA 11.30
TERM LOAN GRAM UJALA 11.30
OD - NSC/KVP/LIC ETC. Loan Against Securities NSC, KVP, LIC Policies
LN AGST NSC/KVP/LIC N EMI FOR PUBLIC 12.30
LOAN AGST NSC/KVP/LIC EMI FOR STAFF (1% above applicable rate of NSC / KVP / LIC policies)
Crop Loan
Agriculture Other than Crop Loan / Other Priority Sector Advance including MSME Regulatory Segment & Business Persons. 9.60
LABOD NON EMI
OD AGT BANK'S OWN DEPOSIT To the DEPOSITOR (% above contracted rate )
To SENIOR CITIZEN (% above contracted rate )
Against THIRD PARTY receipt (% above contracted rate )
To STAFF MEMBERS of our Bank
PM KUSUM
Up to Rs. 3.00 Lacs 10.80
Above Rs. 3.00 lacs to Rs. 10 lacs 11.30
above Rs. 10.00 lacs
Collateral Security below 50% 11.30
Collateral Security from 50% to 100% 10.80
Collateral Security above 100% 10.30
PM SVANidhi 14.10
BGECL 9.25
MMUY 12.00
Financing under Agriculture Infrastructure Fund Collateral Security : 100% and Above 9.00
Collateral Security : Above 75% and less than 100% 9.25
Collateral Security : Above 50% and up to 75% 9.40
Collateral Security : up to 25% to 50% 9.50
     Scheme Name               Existing RoI                Revised RoI
            (% per annum)               (% per annum)
BGGB Retail Gold Loan 0.80% below BPLR i.e. 8.50 0.20% below BPLR i.e. 9.10
BGGB Agri. Gold Loan 0.80% below BPLR i.e. 8.50 0.30% below BPLR i.e. 9.00
Baroda Gujarat Loans for Agro Based and Agro processing Units Collateral Security RoI(% Per Annum) Collateral Security RoI(% Per Annum)
Below 50% 2.50% above BPLR i.e. 11.80 Below 50% 0.35% above BPLR i.e. 9.65
50% to 100% 2.25% above BPLR i.e. 11.55 50% to 100% 0.10% above BPLR i.e. 9.40
Above 100% 2.00% above BPLR i.e. 11.30 Above 100% 0.15% below BPLR i.e. 9.15

(a) Concession in Floating Rate of Interest:      
     
     
     
Housing Loan (Loan Amount Rs. 15 Lakhs and above):
              Applicable Rate of Interest Concessional Rate of Interest
CIBIL Score       ROI (% per annum)     CIBIL Score          ROI (% per annum)
800 and above 0.20% below BPLR i.e. 09.10 800 and above 0.90% below BPLR i.e. 08.40
771 to 799 0.20% below BPLR i.e. 09.10 771 to 799 0.70% below BPLR i.e. 08.60
751 to 770 0.10% below BPLR i.e. 09.20 751 to 770 0.70% below BPLR i.e. 08.60
726 to 750 0.10% below BPLR i.e. 09.20 726 to 750 0.45% below BPLR i.e. 08.85
701 to 725 0.20% above BPLR i.e. 09.50 701 to 725 0.25% below BPLR i.e. 09.05
Less than 701 0.30% above BPLR i.e. 10.60 Less than 701 1.30% above BPLR i.e. 10.60
(-1) 0.20% above BPLR i.e. 09.50 (-1) 0.25% below BPLR i.e. 09.05
Rate of Interest for housing loans below Rs. 15 Lakhs will be same as applicable rates i.e. no
concession is proposed.
Car Loan Scheme for Public / Agriculturist:
CIBIL Score         Applicable RoI   CIBIL Score           Concessional RoI
        (% per annum)             (% per annum)
800 and above 0.45% below BPLR i.e. 08.85 800 and above 0.20% below BPLR i.e. 09.10
771 to 799 0.15% above BPLR i.e. 09.45 775 to 799 0.05% below BPLR i.e. 09.25
726 to 770 0.40% above BPLR i.e. 09.70 757 to 774 0.05% above BPLR i.e. 09.35
701 to 725 1.05% above BPLR i.e. 10.35 721 to 756 0.30% above BPLR i.e. 09.60
675 to 700 2.70% above BPLR i.e. 12.00 700 to 720 0.55% above BPLR i.e. 09.85
650 to 674 2.80% above BPLR i.e. 12.10 650 to 699 0.65% above BPLR i.e. 09.95
(-1) 0.40% above BPLR i.e. 09.70 (-1) 0.05% above BPLR i.e. 09.35
Please note that in case of any changes in applicable rate of interest in above mentioned schemes, financing to be done as per the concessional rates only.
     
(b) Waiver in Processing and documentation charges:      
     
     
     
Scheme Name           Applicable Charges         Waiver Approved  
Housing Loan Unified Processing Charges: Full waiver in Unified Processing Charges  
(Individual / Agriculturist)  
 
 
Up to Rs. 50 Lakhs: (However, charges / fees like Advocate fee , valuation charges, vetting charges etc. which are not part of Bank’s income to be collected accordingly.)  
 
0.50% of loan amount  
 
(Min.: Rs. 8,500/- (upfront) and Max.: Rs. 15,000/-)  
 
 
 
Above Rs. 50 Lakhs:  
 
0.25% of loan amount  
 
(Min. Rs. 8,500/- (upfront) and Max.: Rs. 25,000/-)  
 
 
Car Loan Processing Charges:  
 
Up to Rs. 10 Lakhs: Full waiver in Processing and Documentation Charges  
 
   
 
0.50% of loan amount (Min.: Rs. 1000/-)  
 
 
 
Above Rs. 10 Lakhs:  
 
0.50% of Loan Amount (Min.: Rs. 5000/-)  
 
 
Documentation Charges:  
 
Up to Rs. 2 Lakhs: Nil  
 
Above Rs. 2 Lakhs: 0.10%  
 
(Min.: Rs. 500/- and Max.: Rs. 2500/-)  
Deposits
NRI Interest Rate

For interst rate of both fresh acceptance and renewal of bulk NRE term deposit for Rs.1.00 Cr And above(per receipt) please contact your nearest branch.

No additional benefit of interest rate of one percent per annum to bank’s own staff on deposits under NRE/NRO to be given as per RBI guidelines.

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