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Rate Of Interest On Term Advance

Interest Rates of Advances
BARODA GUJARAT GRAMIN BANK
ANNEXURE - I - Circular No.BGGB:HO:ADV:01:10 dated 01.04.2019
Rate of Interest on Advances w.e.f. 01.04.2019
1 CASH CREDIT CROP LOAN CROP LOAN (inclusive of B.G.G.K.C.C scheme)* Up to Rs.3,00,000/- and Financing marketing of Crops against Pledge of Agriculture Produce / Stock to farmers Subject to Govt. of India provides 2.00 % subvention to Banks on such advances otherwise as mentioned below. 7.00% *
1.1 CC004 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:
CC012 CC-AGRICULTURE up to Rs.50,000/- 3.90% below BPLR i.e. 10.00 %
Above Rs.50,000/- to Rs.2,00,000/- 3.40 % below BPLR i.e.10.50 %
Above Rs.2,00,000/- to Rs.3,00,000/- 3.15 % below BPLR i.e.10.75 %
Above Rs.3,00,000/- to Rs.10,00,000/- 2.90 % below BPLR i.e.11.00%
Above Rs.10,00,000/- 2.90 % below BPLR i.e.11.00 %
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/- 3.40 % below BPLR i.e. 10.50 %
LA07 LOAN FOR AGRI LAND DELPT Above Rs.50,000/- to Rs.2,00,000/- 2.90 % below BPLR i.e. 11.00 %
LA08 PURCHASE OF AGRI LAND Above Rs.2,00,000/- to Rs. 3,00,000/- 2.90 % below BPLR i.e.11.00 %
LA010 LOAN FOR FARM STRUCTURES Above Rs.3,00,000/- to Rs. 10,00,000/- 1.90 % below BPLR i.e.12.00 %
LA011 LOAN AGAINST WAREHOUSE RCPT Above Rs.10,00,000/- 1.40 % below BPLR i.e.12.50 %
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 %
Loans up to Rs.10,00,000/-. 2.40 % below BPLR i.e. 11.50 %
Above Rs.10,00,000/- 2.40 % below BPLR i.e. 11.50 %
3.2 ROI for units offering collateral security of 50 % to below 100 % ( concession of 0.25 % p.a. ).
Loans up to Rs.10,00,000/-. 2.65 % below BPLR i.e. 11.25 %
Above Rs.10,00,000/- 2.65 % below BPLR i.e. 11.25 %
3.3 ROI for units offering collateral security of 100 % and above (concession of 0.50 % p.a.)
Loans up to Rs.10,00,000/-. 2.90 % below BPLR i.e. 11.00 %
Above Rs.10,00,000/- 2.90 % below BPLR i.e. 11.00 %
3.4 Cold storage Mortgage Loan 1.40 % below BPLR i.e. 12.50 %
3.5 OD035 Overdraft to Agro based and Agro Proessing Unit # ROI is linked with credit Rating 3.90 % below BPLR i.e. 10.00 % to 1.90 % below BPLR i.e. 12.00 % #
4 SRTO loan for transportation of AGRICULTURE PRODUCE and DAIRY PRODUCTS
LA212 SRTO Loans up to Rs.2,00,000/-. 2.90 % below BPLR i.e. 11.00 %
LA213 SRTO Loans above Rs. 2,00,000/- 2.90 % below BPLR i.e. 11.00 %
ROI on SRTO loans is delinked from credit rating
5 LA014 KISAN VAHAN YOJNA Two wheeler to Farmers 1.90 % below BPLR i.e.12.00%
5.1 FIANCING CAR LOAN TO FARMERS Car loans to Farmers
LA014 800 and above 4.90% below BPLR (i.e.9.00 % p.a.)
760 to 799 4.65% below BPLR (i.e.9.25 % p.a.)
725 to 759 4.15% below BPLR (i.e.9.75 % p.a.)
675 to 724 3.65% below BPLR (i.e.10.25 % p.a.)
Less than 675 (with permission of next higher authority) 3.65% below BPLR (i.e.10.25 % p.a.)
Applicant having CIBIL score (-1) or (0) or 1 to 5 ROI as under
NAI above Rs.5.00 Lac 4.15% below BPLR (i.e.9.75 % p.a.)
NAI upto Rs.5.00 Lac 4.15% below BPLR (i.e.9.75 % p.a.)
6 LA015 GOVT SPONSORED AG Term Loan for Micro Irrigation System through (GGRC Ltd )
Loan limit up to Rs.3.00 lac 3.40 % below BPLR i.e.10.50 %
Loan limit above Rs.3.00 Lac 3.15 % below BPLR i.e.10.75 %
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 1.40 % below BPLR i.e.12.50 %
9 Baroda Gujarat TRADERS Loan ( T/L and O.D. )
LA211 TRADERS LOAN- NON EMI BGTL-1 to 4 (above 80%) 3.65 % below BPLR i.e.10.25 %
OD006 OD TRADERS LOAN BGTL 5 to 6 (Above 50% to 80%) 3.15 % below BPLR i.e.10.75 %
BGTL Below 6 (Below 50%) 2.65 % below BPLR i.e.11.25 %
10 ADVANCE AGAINST PROPERTY ( T/L and O.D. )
LA238 ADVANCE AGAINST PROPERTY CIBIL SCORE
OD005 OD AGAINST PROPERTY 800 and above
760 to 799
725 to 759
675 to 724
below 675
(-1) or (0) or 1 to 5
11 ADVANCE AGAINST PROPERTY (NON INDIVISUAL) ( T/L and O.D. )
LA200 TERM LOAN 1.90% below BPLR i.e. 12.00%
OD026 OVER DRAFT 2.40% below BPLR i.e. 11.50%
12 AROGYADHAM Loan scheme for DOCTORS, Medical Practioners.
OD007 OD TO DOCTORS up to Rs. 3,00,00,000/- 3.90 % below BPLR i.e.10.00 %
LA209 LOAN TO DOCTORS Above Rs. 3,00,00,000/- 3.55 % below BPLR i.e.10.35 %
LA250 (Non EMI)
13 HOUSING LOANS to INDIVIDUALS Loan Limit Up to Rs. 75.00 Lacs
LA215 HSG-LN-EMI-NON CAPITALISE CIBIL SCORE
LA216 HSG LN EMI COM-HOL-CAP IN 760 and above
LA218 RURAL HOUSING LOAN -EMI 725 to 759
LA219 RURAL HOUSING-NON EMI 675 to 724
LA219 RURAL HOUSING-NON EMI up to 674 (with permission of next higher authority)
(-1) or (0) or 1 to 5
Loan Limit above Rs. 75.00 Lacs
760 and above
725 to 759
675 to 724
up to 674 (with permission of next higher authority)
(-1) or (0) or 1 to 5
14 ADDITIONAL ASSURED ADVANCE (AAA).
LA 246 HSG-LN-EMI-NON CAPITALISE (TOP UP loan on Existing Housing Loans.) 3.90 % below BPLR i.e.10.00 %
15 LA230 REAL ESTATE LOAN 0.90 % Below BPLR i.e.13.00 %
16 LA304 Loan Against Future Rent Receivables For Land Lors of Bank premises/ Office 2.90 % below BPLR i.e.11.00 %
For Others 1.40 % below BPLR i.e.12.50 %
17 EDUCATION LOANS
LA220 EDU LOAN INDIA-CAPITALISE
LA221 EDU LOAN INDIA-NON-CAP up to Rs.7,50,000/- 2.40 % below BPLR i.e.11.50 %
LA222 EDU LOAN OVERSEAS-CAP Above Rs.7,50,000/- 2.40 % below BPLR i.e.11.50 %
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 Concession in applicable ROI in Car Loan CIBIL SCORE
Liquid Collateral Security like NSC, KVP, LIC 800 and above
50% of Liquid Collateral Security of Loan amount : Concession : 0.50% p.a. 760 to 799
25% of Liquid Collateral Security of loan amount : Concession : 0.25% p.a. 725 to 759
Concession of 0.25% p.a. in ROI to our existing Home Loan borrowers having satisfactory conduct 675 to 724
Less than 675 (with permission of next higher authority)
Applicant having CIBIL score (-1) or (0) or 1 to 5 ROI as under
For Salarised Person
-GMI Rs.40,000/- and above
-GMI less than Rs.40,000/-
For Others
-NAI Rs.5.00 Lac and above
-NAI less than Rs.5.00 lac -
19 PERSONAL LOAN
LA237 PERSONAL LOAN-PUB-EMI CLEAN LOAN & Over Draft against S.B. salary account) to Salary Class Individuals 0.40 % BELOW BPLR i.e.13.50 %
19.1 OD001 OVERDRAFT GENERAL CLEAN Loan to Existing REGULAR HOUSING loan borrower (0.50 % concession) 0.40% below BPLR i.e.13.50%
21 LA234 TWO WHEELER LOAN EMI TWO WHEELER Loans
loans to ALL OTHER INDIVIDUALS 1.40 % below BPLR i.e. 12.50 %
22 Loans to MSME (Excluding Arogyadham Loan Scheme and SRTO Loan)
LA230 SME MED TL- NON EMI COMP up to Rs.10,00,000/- 2.90 % below BPLR i.e. 11.00 %
LA231 SME SHORT TL-NON EMI COMP Above Rs.10,00,000/- # 3.40 % below BPLR i.e. 10.50 % to 0.60 % ABOVE BPLR i.e. 14.50 %
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/-) 2.90 % below BPLR i.e. 11.00 %
KISHORE Loans ( from Rs. 50,001/- to Rs.2,00,000/-) 2.90 % below BPLR i.e. 11.00 %
KISHORE Loans ( from Rs. 2,00,001/- to Rs.5,00,000/-) 1.90 % below BPLR i.e. 12.00 %
TARUN Loans ( from Rs. 5,00,001/- to Rs.10,00,000/-) 1.90 % below BPLR i.e. 12.00 %
24 SRTO Loans to SMALL ROAD and WATER TRANSPORT OPERATORS.
LA212 TRANSPORT OPERATOR EMI SRTO Loans up to Rs.2,00,000/-. 2.90 % below BPLR i.e. 11.00 %
LA213 TRANSPORT OPERATOR NON EMI SRTO Loans ABOVE Rs. 2,00,000/- 2.90 % below BPLR i.e. 11.00 %
ROI on SRTO loans is delinked from credit rating
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/- 2.90 % below BPLR i.e. 11.00 %
LA229 GOVT SPONSORED NON AG Above Rs.50,000/- up to Rs.2,00,000/- 2.90 % below BPLR i.e. 11.00 %
LA233 RURAL ARTISAN/COTTAGE IND Above Rs.2,00,000/- up to Rs.10,00,000/- 1.90 % below BPLR i.e. 12.00 %
Above Rs.10,00,000/- # 3.40 % below BPLR i.e. 10.50 % to 0.60 % ABOVE BPLR i.e. 14.50 %
# 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
LOAN UP TO RS.50,000 5% FIX **
LOAN ABOVE RS.50,000 TO 5.00 LACS 6% FIX **
LOAN ABOVE RS.5.00 LACS TO 15.00 LACS 7% FIX **
LOAN ABOVE RS.15.00 LACS TO 25.00 LACS 8% 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 Business Entity)
OD026 for MICRO Enterprises (MEs) 2.90 % below BPLR i.e. 11.00%
for SMALL Enterprises (SEs) 2.65 % below BPLR i.e. 11.25 %
for MEDIUM Enterprises 1.90 % below BPLR i.e. 12.00 %
28 LA023 JOINT LIABLITY GROUP Loans to S.H.G.s ( Self Help Group ) & JLG (Farm & Non farm) 1.75 % below BPLR i.e. 12.15 %
CC008 CC-GOVT SPONSERED (SHG)
loans to NGOs for onward lending to SHGs 1.75 % below BPLR i.e. 12.15 %
29 LA244 (NRLM) Financing to SHG under DAY NRLM/SLRM 1.75 % below BPLR i.e. 12.15%
LA245 (SLRM)
30 LA252 CC020 Financing to Individual enterprise under Self Employment Programme (SEP-I) under DAY NULM/SULM under MSME 1.75 % below BPLR i.e. 12.15%
31 CASH CREDIT GENERAL
CC001 CASH CREDIT GENERAL
CC BOOK DEBT/SUPP BILL Loans up to Rs.50,000/- 2.90 % below BPLR i.e. 11.00 %
CC002 Loans from Rs. 50,001/- to Rs.2,00,000/-. 2.90 % below BPLR i.e. 11.00 %
Loans from Rs. 2,00,001/- to Rs.5,00,000/-. 1.90 % below BPLR i.e. 12.00 %
Loans from Rs. 5,00,001/- to Rs.10,00,000/-. 1.90 % below BPLR i.e. 12.00 %
Above Rs.10,00,000/- # 3.40 % below BPLR i.e. 10.50 % to 0.60 % ABOVE BPLR i.e. 14.50 %
32 General Credit Card Scheme (GCC)
CC005 CC-GENERAL CREDIT CARD General Credit Card Scheme (GCC) 0.10 % above BPLR i.e.14.00 %
33 CC006 CC-SWAROJGAR CREDIT CARD Artisan Credit Cards
CC007 CC-ARTISEN CREDIT CARD UP TO Rs. 2,00,000/- ( maximum) 3.40 % below BPLR i.e.10.50%
CC009 CC-LAGHU UDH CREDIT CARD
34 Term Loan for SOLAR LIGHTING System
LA202 DEMAND LOAN GRAM UJALA 1.90 % below BPLR i.e.12.00 %
LA204 TERM LOAN GRAM UJALA 1.90 % below BPLR i.e.12.00 %
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 2.90 % below BPLR i.e. 11.00% OR 1% Above applicable rate of NSC / KVP / LIC Polices which ever is higher
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 4.40 % Below 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 4.40% Below BPLR i.e. 9.50% p.a.
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. which ever is HIGHER
To STAFF MEMBERS of our Bank 1.00 % Above Term Deposit Rate
38 Charges for TAKEOVER by other Banks / financial institutions ( in case of term loans) (Except Housing Loan) 0.50 % of balance outstanding for each year of residual period subject to maximum of 3.00 %

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