BARODA GUJARAT GRAMIN BANK |
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Scheme Code |
Description of the scheme |
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Rate of Interest (in %) (BPLR 9.30% p.a.) |
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1 |
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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) |
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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: |
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CC012 |
CC-AGRICULTURE |
Up to Rs. 50,000 |
1.00% above BPLR |
10.30 |
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Above Rs. 50,000 to Rs. 2,00,000 |
1.50% above BPLR |
10.80 |
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Above Rs. 2,00,000 to Rs. 3,00,000 |
1.75% above BPLR |
11.05 |
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Above Rs. 3,00,000 to Rs. 10,00,000 |
1.00% above BPLR |
10.30 |
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Above Rs. 10,00,000 to Rs. 30,00,000 |
1.50% above BPLR |
10.80 |
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Above Rs. 30,00,000 to Rs. 50,00,000 |
2.00% above BPLR |
11.30 |
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Above Rs. 50,00,000 |
2.50% above BPLR |
11.80 |
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2 |
TERM LOAN AGRICULTURE |
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LA01 |
AGRI-TERM LOAN OTHERS |
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LA03 |
LOAN FOR HORTICULTURE |
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LA04 |
LOAN FOR IRRIGATION |
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LA05 |
LOAN FOR TRACTOR MACHINE |
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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 |
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LA013 |
KISAN AWAS YOJNA |
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LA015 |
GOVT SPONSORED AG |
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LA017 |
AGRI-DEBT WAIVE RELIEF-08 |
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LA019 |
LOAN FOR AGRI ALLIED ACTI |
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LA020 |
AGRI-TERM LOAN DAIRY |
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LA021 |
KISAN RIN MUKTA YOJNA |
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LA022 |
GOVT SPON AG ALLIED |
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LA214 |
KISAN AWAS YOJNA NON AG |
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LA103 |
CONST. OF RURAL GODOWNS |
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LA009 |
Agri Clinic & Agri Business |
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LA027 |
Kisan Tatkal Scheme |
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3 |
FOOD and AGRO PROCESSING UNITS |
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CASH CREDIT and TERM LOANS |
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LA001 |
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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…. |
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3.1 |
CC012 |
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ROI for units offering collateral security below 50 % |
2.50% above BPLR |
11.80 |
3.2 |
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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 |
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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 |
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4 |
SRTO loan under Agriculture |
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LA212 |
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SRTO Loans up to Rs.2,00,000/-. |
2.00% above BPLR |
11.30 |
LA213 |
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SRTO Loans above Rs. 2,00,000/- |
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ROI on SRTO loans is delinked from credit rating |
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LA113 |
BGGB Agri end use & Agri hiring Tractor Loan Scheme |
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4.50% above BPLR |
13.80 |
LA113 |
BGGB Agri cum Commercial end use Tractor Loan Scheme |
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4.00% above BPLR |
13.30 |
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5 |
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KISAN VAHAN YOJNA |
Two wheeler to Farmers |
3.00% above BPLR |
12.30 |
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6 |
FIANCING CAR LOAN TO FARMERS |
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Car loans to Farmers |
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LA014 |
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Based on CIBIL Score: |
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800 and above |
0.45% below BPLR |
8.85 |
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771 to 799 |
0.15% above BPLR |
9.45 |
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726 to 770 |
0.40% above BPLR |
9.70 |
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701 to 725 |
1.05% above BPLR |
10.35 |
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675 to 700 |
2.70% above BPLR |
12.00 |
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650 to 674 (with prior permission of next higher authority) |
2.80% above BPLR |
12.10 |
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(-1) |
0.40% above BPLR |
9.70 |
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7 |
LA015 |
GOVT SPONSORED AG |
Term Loan for Micro Irrigation System through (GGRC Ltd) |
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Loan limit up to Rs.3.00 lac |
2.50% above BPLR |
10.80 |
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Loan limit above Rs.3.00 Lac |
2.75% above BPLR |
11.05 |
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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 |
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To the DEPOSITOR (% above contracted rate) |
1% above Interest Rate of FD |
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Against the security of Third Party FDRs |
2% above interest rate of FD or 10% (whichever is higher) |
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9 |
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Financing of units for construction / renovation / expansion of Storage facilities (Warehouse, Market yards, Godowns, Silos and cold storage units) under Agriculture |
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3.50% abve BPLR |
12.80 |
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10 |
Baroda Gujarat TRADERS Loan (T/L and O.D.) |
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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 |
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BGTL Below 6 (Below 50%) |
1.80% above BPLR |
11.10 |
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11 |
ADVANCE AGAINST PROPERTY ( T/L and O.D. ) |
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LA238 |
ADVANCE AGAINST PROPERTY |
CIBIL SCORE |
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OD005 |
OD AGAINST PROPERTY |
800 and above |
0.75% above BPLR |
10.05 |
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760 to 799 |
0.90% above BPLR |
10.20 |
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725 to 759 |
1.10% above BPLR |
10.40 |
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675 to 724 |
1.40% above BPLR |
10.70 |
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below 675 up to 650 (with prior permission to next higher authority) |
2.40% above BPLR |
11.70 |
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(-1) |
1.40% above BPLR |
10.70 |
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12 |
ADVANCE AGAINST PROPERTY (NON INDIVIDUAL) ( T/L and O.D. ) |
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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 |
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13 |
AROGYADHAM Loan scheme for DOCTORS, Medical Practioners. |
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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) |
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14 |
HOUSING LOANS to INDIVIDUALS |
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LA215 |
HSG-LN-EMI-NON CAPITALISE |
Based on CIBIL Score: |
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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 |
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650 to 674 (with prior permission of next higher authority) |
0.90% above BPLR |
10.20 |
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(-1) |
0.10% below BPLR |
9.20 |
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15 |
ADDITIONAL ASSURED ADVANCE (AAA) |
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LA 246 |
HSG-LN-EMI-NON CAPITALISE (TOP UP loan on Existing Housing Loans) |
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0.85% above applicable rate of linked housing loan |
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16 |
LA230 |
REAL ESTATE LOAN |
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3.00% above BPLR |
12.30 |
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17 |
LA304 |
Loan Against Future Rent Receivables |
For Land Lords of Bank premises/ Office |
1.00% above BPLR |
10.30 |
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For Others |
1.50% above BPLR |
10.80 |
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18 |
EDUCATION LOANS |
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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 ) |
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Scheme guidelines of Education Loans to be strictly followed in case of collateral security . |
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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.
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EDUCATION LOAN TO PERSON WITH DISABILITIES UNDER NHFDC |
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19 |
CAR / JEEP Loans |
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LA235 |
CAR/4 WHL LOAN EMI COMP |
Based on CIBIL Score: |
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Concession in applicable ROI in Car Loan |
Based on CIBIL Score: |
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Liquid Collateral Security like NSC, KVP, LIC |
800 and above |
0.45% below BPLR |
8.85 |
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50% of Liquid Collateral Security of Loan amount : Concession : 0.50% p.a. |
771 to 799 |
0.15% above BPLR |
9.45 |
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25% of Liquid Collateral Security of loan amount : Concession : 0.25% p.a. |
726 to 770 |
0.40% above BPLR |
9.70 |
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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 |
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675 to 700 |
2.70% above BPLR |
12.00 |
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650 to 674 (with prior permission of next higher authority) |
2.80% above BPLR |
12.10 |
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(-1) |
0.40% above BPLR |
9.70 |
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20 |
PERSONAL LOAN |
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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) |
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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 |
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21 |
LA234 |
TWO WHEELER LOAN EMI |
TWO WHEELER Loans |
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loans to ALL OTHER INDIVIDUALS |
3.80% above BPLR |
13.10 |
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22 |
Loans to MSME (Excluding Arogyadham Loan Scheme and SRTO Loan) |
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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/- |
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CC011 |
CC-SME |
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# 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. |
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Credit Rating |
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Above Rs. 10.00 Lacs to Rs. 25 Lacs |
Above Rs. 25.00 Lacs |
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Marks above 90 ( Rating A+) |
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10.70 |
10.20 |
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Marks above 80 and up to 90 ( Rating A) |
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10.75 |
10.25 |
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Marks above 70 and up to 80 ( Rating A-) |
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10.80 |
10.30 |
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Marks above 60 and up to 70 ( Rating B) |
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10.85 |
10.35 |
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Marks above 55 and up to 60 ( Rating C) |
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10.90 |
10.40 |
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Marks above 50 and up to 55 ( Rating D) |
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13.80 |
12.80 |
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Marks below 50 ( Rating E) |
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14.30 |
13.80 |
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*The proposal having Rating D & E, to be rrefered to Next Authority for decision. |
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23 |
MUDRA Loans under Prime Minister MUDRA Yojna (PMMY-MUDRA) . |
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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 |
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SHISHU Loans ( up to Rs.50,000/-) |
2.00 % above BPLR |
11.30 |
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KISHORE Loans ( from Rs. 50,001/- to Rs.2,00,000/-) |
2.00 % above BPLR |
11.30 |
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KISHORE Loans ( from Rs. 2,00,001/- to Rs.5,00,000/-) |
3.00 % above BPLR |
12.30 |
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TARUN Loans ( from Rs. 5,00,001/- to Rs.10,00,000/-) |
3.00 % above BPLR |
12.30 |
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24 |
SRTO Loans to SMALL ROAD and WATER TRANSPORT OPERATORS. |
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LA212 |
TRANSPORT OPERATOR EMI |
ROI on SRTO loans is delinked from credit rating |
2.00% above BPLR |
11.30 |
LA213 |
TRANSPORT OPERATOR NON EMI |
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25 |
TERM LOAN (under Priority sector, NON FARM sector) not covered in above Schemes |
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LA207 |
PROFESSIONAL LOAN EMI |
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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 |
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# 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. |
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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.
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SELF EMPLOYMENT SCHEME under National Handicapped Finance Development Corporation (NHFDC) subject to availability of REFINANCE at concessional rate from NHFDC. |
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LOAN UP TO RS.50,000 |
5% Fix |
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LOAN ABOVE RS.50,000 TO 5.00 LACS |
6% Fix |
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LOAN ABOVE RS.5.00 LACS TO 15.00 LACS |
7% Fix |
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LOAN ABOVE RS.15.00 LACS TO 25.00 LACS |
8% Fix |
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* SPECIAL REBATE OF 1% ON INTEREST IS GIVEN TO WOMEN BENEFICIARIES WITH DISABILITIES IN ALL THE SCHEME OF NHFDC |
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27 |
OVERDRAFT Against LAND and BUILDING (For MSME) |
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OD026 |
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Security Margin above 50% |
1.00% above BPLR |
10.30 |
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Security Margin up to 50% |
1.50% above BPLR |
10.80 |
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28 |
LA023 |
JOINT LIABLITY GROUP |
JLG (Farm & Non farm) |
3.15% above BPLR |
12.45 |
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CC008 |
CC-GOVT SPONSERED (SHG) |
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loans to NGOs for onward lending to SHGs |
3.15% above BPLR |
12.45 |
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29 |
LA244 (NRLM) |
Financing to SHG under DAY NRLM/SLRM |
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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 |
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CC016 |
*Applicable in Non-NPA accounts. RoI in NPA accounts to be charged at contractual rate i.e. 11.50% per annum. |
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CC017 |
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CC018 |
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30 |
LA252 CC020 |
Financing to Individual enterprise under Self Employment Programme (SEP-I) under DAY NULM/SULM under MSME |
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3.90% above BPLR |
13.20 |
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31 |
CASH CREDIT GENERAL |
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CC001 |
CASH CREDIT GENERAL |
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CC BOOK DEBT/SUPP BILL |
Loans up to Rs.50,000/- to Rs.2,00,000/- |
2.00% above BPLR |
11.30 |
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Loans from Rs. 2,00,001/- to Rs.10,00,000/-. |
3.00% above BPLR |
12.30 |
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Above Rs.10,00,000/- |
As per Credit rating module - Annexure II -A |
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32 |
General Credit Card Scheme (GCC) |
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CC005 |
CC-GENERAL CREDIT CARD |
General Credit Card Scheme (GCC) |
5.00% above BPLR |
14.30 |
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33 |
CC006 |
CC-SWAROJGAR CREDIT CARD |
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CC007 |
CC-ARTISEN CREDIT CARD |
UP TO Rs. 2,00,000/- ( maximum) |
2.00% above BPLR |
11.30 |
CC009 |
CC-LAGHU UDH CREDIT CARD |
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34 |
Term Loan for SOLAR LIGHTING / Rooftop System |
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Author:
We request to provide us scheme code and create new interest table for Gram Ujala Scheme
LA202 |
DEMAND LOAN GRAM UJALA |
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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 |
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2.00% above BPLR |
11.30 |
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Loan Against Securities NSC, KVP, LIC Policies |
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35 |
OD004 |
OD - NSC/KVP/LIC ETC. |
Loan Against Securities NSC, KVP, LIC Policies |
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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) |
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35 |
Advance against GOLD ORNAMENTS |
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35.1 |
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Crop Loan |
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35.2 |
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Agriculture Other than Crop Loan / Other Priority Sector Advance including MSME Regulatory Segment & Business Persons. |
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9.60 |
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36 |
LABOD |
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LA305 |
LABOD NON EMI |
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OD002 |
OD AGT BANK'S OWN DEPOSIT |
To the DEPOSITOR (% above contracted rate ) |
1% above Term Deposit Rate |
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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 |
|
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|
|
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|
TAKE OVER BY OTHER INSTITUTION |
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|
42 |
Charges for TAKEOVER by other Banks / financial institutions ( in case of term loans) (Except Housing Loan) |
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|
0.50% p.a. of outstanding for resudial period , subject to maximum of 3.00% |
|
|
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* 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 |
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