Rate Of Interest On Term Advance

BARODA GUJARAT GRAMIN BANK

Scheme Code Description of the scheme
Rate of Interest (in %) (BPLR 9.30% p.a.)












1
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)

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 1.00% above BPLR 10.30


Above Rs. 50,000 to Rs. 2,00,000 1.50% above BPLR 10.80


Above Rs. 2,00,000 to Rs. 3,00,000 1.75% above BPLR 11.05


Above Rs. 3,00,000 to Rs. 10,00,000 1.00% above BPLR 10.30



Above Rs. 10,00,000 to Rs. 30,00,000 1.50% above BPLR 10.80



Above Rs. 30,00,000 to Rs. 50,00,000 2.00% above BPLR 11.30



Above Rs. 50,00,000 2.50% above BPLR 11.80






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.3,00,000/- 1.00% above BPLR 10.30
LA07 LOAN FOR AGRI LAND DELPT Above Rs.3,00,000/- to Rs. 10,00,000/- 1.75% above BPLR 11.05
LA010 LOAN FOR FARM STRUCTURES Above Rs.10,00,000/- 2.00% above BPLR 11.30
LA011 LOAN AGAINST WAREHOUSE RCPT


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 11.80
3.2

ROI for units offering collateral security of 50 % to below 100 % ( concession of 0.25 % p.a. ). 2.25% above BPLR 11.55
3.3

ROI for units offering collateral security of 100 % and above (concession of 0.50 % p.a.) 2.00% Above BPLR 11.30
3.4 OD035 Overdraft to Agro based and Agro Proessing Unit # ROI is linked with credit Rating OD accounts are linked with Credit rating as per Annexure - II-A






4 SRTO loan under Agriculture



LA212
SRTO Loans up to Rs.2,00,000/-. 2.00% above BPLR 11.30
LA213
SRTO Loans above Rs. 2,00,000/-


ROI on SRTO loans is delinked from credit rating

LA113 BGGB Agri end use & Agri hiring Tractor Loan Scheme
4.50% above BPLR 13.80
LA113 BGGB Agri cum Commercial end use Tractor Loan Scheme
4.00% above BPLR 13.30






5
KISAN VAHAN YOJNA Two wheeler to Farmers 3.00% above BPLR 12.30






6 FIANCING CAR LOAN TO FARMERS
Car loans to Farmers

LA014
Based on CIBIL Score:



800 and above 0.45% below BPLR 8.85


771 to 799 0.15% above BPLR 9.45


726 to 770 0.40% above BPLR 9.70


701 to 725 1.05% above BPLR 10.35


675 to 700 2.70% above BPLR 12.00



650 to 674 (with prior permission of next higher authority) 2.80% above BPLR 12.10



(-1) 0.40% above BPLR 9.70






7 LA015 GOVT SPONSORED AG Term Loan for Micro Irrigation System through (GGRC Ltd)



Loan limit up to Rs.3.00 lac 2.50% above BPLR 10.80


Loan limit above Rs.3.00 Lac 2.75% above BPLR 11.05






8 OD002 LA016 Agri and Allied acttivities against Bank's own deposit i.e. LABOD OD/BOD For General Customers / Senior Citizens 1% over Interest rate of FD on any amount of deposit
To the DEPOSITOR (% above contracted rate) 1% above Interest Rate of FD


Against the security of Third Party FDRs 2% above interest rate of FD or 10% (whichever is higher)






9
Financing of units for construction / renovation / expansion of Storage facilities (Warehouse, Market yards, Godowns, Silos and cold storage units) under Agriculture 3.50% abve BPLR 12.80






10 Baroda Gujarat TRADERS Loan (T/L and O.D.)



LA211 TRADERS LOAN- NON EMI BGTL-1 to 4 (above 80%) At par BPLR 9.30
OD006 OD TRADERS LOAN BGTL 5 to 6 (Above 50% to 80%) 0.50% above BPLR 9.80


BGTL Below 6 (Below 50%) 1.80% above BPLR 11.10






11 ADVANCE AGAINST PROPERTY ( T/L and O.D. )



LA238 ADVANCE AGAINST PROPERTY CIBIL SCORE

OD005 OD AGAINST PROPERTY 800 and above 0.75% above BPLR 10.05


760 to 799 0.90% above BPLR 10.20


725 to 759 1.10% above BPLR 10.40


675 to 724 1.40% above BPLR 10.70


below 675 up to 650 (with prior permission to next higher authority) 2.40% above BPLR 11.70


(-1) 1.40% above BPLR 10.70






12 ADVANCE AGAINST PROPERTY (NON INDIVIDUAL) ( T/L and O.D. )



LA200 TERM LOAN Margin Above 50% 1.00% above BPLR 10.30
OD026 OVER DRAFT Margin up to 50% 1.50% above BPLR 10.80






13 AROGYADHAM Loan scheme for DOCTORS, Medical Practioners.



OD007 OD TO DOCTORS up to Rs. 3,00,00,000/- 0.20% above BPLR 9.50
LA209 LOAN TO DOCTORS Above Rs. 3,00,00,000/-
LA250 (Non EMI)









14 HOUSING LOANS to INDIVIDUALS



LA215 HSG-LN-EMI-NON CAPITALISE Based on CIBIL Score:

LA216 HSG LN EMI COM-HOL-CAP IN 775 and above 0.70% below BPLR 8.60
LA218 RURAL HOUSING LOAN -EMI 726 to 774 0.35% below BPLR 8.95
LA219 RURAL HOUSING-NON EMI 701 to 725 0.10% below BPLR 9.20
LA219 RURAL HOUSING-NON EMI 675 to 700 0.85% above BPLR 10.15


650 to 674 (with prior permission of next higher authority) 0.90% above BPLR 10.20


(-1) 0.10% below BPLR 9.20






15 ADDITIONAL ASSURED ADVANCE (AAA)



LA 246 HSG-LN-EMI-NON CAPITALISE (TOP UP loan on Existing Housing Loans)
0.85% above applicable rate of linked housing loan






16 LA230 REAL ESTATE LOAN
3.00% above BPLR 12.30






17 LA304 Loan Against Future Rent Receivables For Land Lords of Bank premises/ Office 1.00% above BPLR 10.30


For Others 1.50% above BPLR 10.80






18 EDUCATION LOANS



LA220 EDU LOAN INDIA-CAPITALISE Collateral Security Free 2.50% above BPLR 11.80
LA221 EDU LOAN INDIA-NON-CAP Collateral Security up to 50% 1.50% above BPLR 10.80
LA222 EDU LOAN OVERSEAS-CAP Collateral Security above 50% 1.00% above BPLR 10.30
LA223 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 .












18.1 Author: We request to provide us scheme code and create new interest table for Financing to persons with disabilities (PWDS) for Education Loan.
EDUCATION LOAN TO PERSON WITH DISABILITIES UNDER NHFDC








19 CAR / JEEP Loans



LA235 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 0.45% below BPLR 8.85

50% of Liquid Collateral Security of Loan amount : Concession : 0.50% p.a. 771 to 799 0.15% above BPLR 9.45

25% of Liquid Collateral Security of loan amount : Concession : 0.25% p.a. 726 to 770 0.40% above BPLR 9.70

Concession of 0.25% p.a. in ROI to our existing Home Loan borrowers having satisfactory conduct 701 to 725 1.05% above BPLR 10.35


675 to 700 2.70% above BPLR 12.00


650 to 674 (with prior permission of next higher authority) 2.80% above BPLR 12.10


(-1) 0.40% above BPLR 9.70






20 PERSONAL LOAN


Particular
LA237 LA242 PERSONAL LOAN-PUB-EMI CLEAN LOAN & Over Draft against S.B. salary account) to Salary Class Individuals Salary with our Bank (CIBIL Score Based) Salary with other Bank (CIBIL Score Based)




701 & above and (-1) : 1.55% above BPLR i.e. 10.85 701 & above and (-1) : 2.05% above BPLR i.e. 11.35
20.1 OD001 OVERDRAFT GENERAL CLEAN Loan to Existing REGULAR HOUSING loan borrower (0.50 % concession) Below 701 : 3.50% above BPLR i.e. 12.80 Below 701 : 3.50% above BPLR i.e. 12.80












21 LA234 TWO WHEELER LOAN EMI TWO WHEELER Loans



loans to ALL OTHER INDIVIDUALS 3.80% above BPLR 13.10











22 Loans to MSME (Excluding Arogyadham Loan Scheme and SRTO Loan)



LA230 SME MED TL- NON EMI COMP up to Rs.10,00,000/- 0.90% Above BPLR 10.20
LA231 SME SHORT TL-NON EMI COMP Above Rs.10,00,000/-

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.



Credit Rating
Above Rs. 10.00 Lacs to Rs. 25 Lacs Above Rs. 25.00 Lacs

Marks above 90 ( Rating A+)
10.70 10.20

Marks above 80 and up to 90 ( Rating A)
10.75 10.25

Marks above 70 and up to 80 ( Rating A-)
10.80 10.30

Marks above 60 and up to 70 ( Rating B)
10.85 10.35

Marks above 55 and up to 60 ( Rating C)
10.90 10.40

Marks above 50 and up to 55 ( Rating D)
13.80 12.80

Marks below 50 ( Rating E)
14.30 13.80

*The proposal having Rating D & E, to be rrefered to Next Authority for decision.








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 11.30


KISHORE Loans ( from Rs. 50,001/- to Rs.2,00,000/-) 2.00 % above BPLR 11.30


KISHORE Loans ( from Rs. 2,00,001/- to Rs.5,00,000/-) 3.00 % above BPLR 12.30


TARUN Loans ( from Rs. 5,00,001/- to Rs.10,00,000/-) 3.00 % above BPLR 12.30






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 11.30
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. 2,00,000/- 2.00% above BPLR 11.30
LA229 GOVT SPONSORED NON AG Above Rs.2,00,000/- up to Rs.10,00,000/- 3.00% above BPLR 12.30
LA233 RURAL ARTISAN/COTTAGE IND Above Rs.10,00,000/- As per Credit Rating based on Annexure -II- A




# 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 Author: We request to provide us scheme code and create new interest table for Financing to persons with disabilities (PWDS) under Self Employment Scheme of NHFDC.
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 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 MSME)



OD026
Security Margin above 50% 1.00% above BPLR 10.30


Security Margin up to 50% 1.50% above BPLR 10.80











28 LA023 JOINT LIABLITY GROUP JLG (Farm & Non farm) 3.15% above BPLR 12.45





CC008 CC-GOVT SPONSERED (SHG)




loans to NGOs for onward lending to SHGs 3.15% above BPLR 12.45






29 LA244 (NRLM) Financing to SHG under DAY NRLM/SLRM
Amount RoI
LA245 (SLRM) up to Rs. 3 Lakhs 7.00*
LA443 Above Rs. 3 Lakhs to Rs. 5 Lakhs 0.70% above BPLR i.e. 10.00
LA024
CC013 Above Rs. 5 Lakhs 3.20% above BPLR i.e. 12.50
CC014
CC015

CC016 *Applicable in Non-NPA accounts. RoI in NPA accounts to be charged at contractual rate i.e. 11.50% per annum.
CC017

CC018


















30 LA252 CC020 Financing to Individual enterprise under Self Employment Programme (SEP-I) under DAY NULM/SULM under MSME
3.90% above BPLR 13.20






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 11.30


Loans from Rs. 2,00,001/- to Rs.10,00,000/-. 3.00% above BPLR 12.30


Above Rs.10,00,000/- As per Credit rating module - Annexure II -A
32 General Credit Card Scheme (GCC)



CC005 CC-GENERAL CREDIT CARD General Credit Card Scheme (GCC) 5.00% above BPLR 14.30






33 CC006 CC-SWAROJGAR CREDIT CARD


CC007 CC-ARTISEN CREDIT CARD UP TO Rs. 2,00,000/- ( maximum) 2.00% above BPLR 11.30
CC009 CC-LAGHU UDH CREDIT CARD








34 Term Loan for SOLAR LIGHTING / Rooftop System



Author: We request to provide us scheme code and create new interest table for Gram Ujala Scheme LA202 DEMAND LOAN GRAM UJALA
2.00% above BPLR 11.30
Author: We request to provide us scheme code and create new interest table for Gram Ujala Scheme LA204 TERM LOAN GRAM UJALA
2.00% above BPLR 11.30







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 12.30
LA302 LOAN AGST NSC/KVP/LIC EMI FOR STAFF (1% above applicable rate of NSC / KVP / LIC policies)

35 Advance against GOLD ORNAMENTS



35.1
Crop Loan


35.2
Agriculture Other than Crop Loan / Other Priority Sector Advance including MSME Regulatory Segment & Business Persons.

9.60






36 LABOD



LA305 LABOD NON EMI


OD002 OD AGT BANK'S OWN DEPOSIT To the DEPOSITOR (% above contracted rate ) 1% above Term Deposit Rate


To SENIOR CITIZEN (% above contracted rate ) 1% above Term Deposit Rate


Against THIRD PARTY receipt (% above contracted rate ) 2% above Term Deposit Rate or 10% (whichever is higher)


To STAFF MEMBERS of our Bank 1% above Term Deposit Rate
37 LA451 PM KUSUM




Up to Rs. 3.00 Lacs
1.50% above BPLR 10.80


Above Rs. 3.00 lacs to Rs. 10 lacs 2.00% above BPLR 11.30


above Rs. 10.00 lacs



Collateral Security below 50% 2.00% above BPLR 11.30


Collateral Security from 50% to 100% 1.50% above BPLR 10.80


Collateral Security above 100% 1.00% above BPLR 10.30





38 LA534 PM SVANidhi
4.80% above BPLR 14.10






39 LA532 BGECL
0.05% below BPLR 9.25






40 LA546 MMUY
2.70% above BPLR 12.00






41 LA436 Financing under Agriculture Infrastructure Fund Collateral Security : 100% and Above 0.30% below BPLR 9.00


Collateral Security : Above 75% and less than 100% 0.05% below BPLR 9.25



Collateral Security : Above 50% and up to 75% 0.10% above BPLR 9.40



Collateral Security : up to 25% to 50% 0.20% above BPLR 9.50







TAKE OVER BY OTHER INSTITUTION



42 Charges for TAKEOVER by other Banks / financial institutions ( in case of term loans) (Except Housing Loan)

0.50% p.a. of outstanding for resudial period , subject to maximum of 3.00%






* Additional Concession of 0.05% in applicable Rate of Interest for customers who opt for Group Loan Protect Plan (GLPP) for Home Loan, Vehicle Loan , Education Loan, Personal Loan, Business Loan & Agriculture Term Loan









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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