Interest Rates & Charges

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Interest Rates & Charges

Rate Of Interest On Term Advance

Interest Rates of Advances
Housing Loan Baroda Gujarat Housing Loan (Other than Farmer) CIBIL Score Rate of Interest
760 and above 5.25% below BPLR (i.e.8.65% p.a.)
650 to 759 4.65% below BPLR (i.e.9.25% p.a.)
Up to 649 (with permission of next higher authority) 4.65% below BPLR (i.e.9.25% p.a.)
 (-1) or (0) 5.05% below BPLR (i.e.8.85% p.a.)
Baroda Gujarat Additional Assured Advance (AAA) Loan 3.40% below BPLR i.e.10.50%
Advance Against Property CIBIL Score Rate of Interest
760 and above 2.65% below BPLR i.e.11.25%
up to 759 1.90% below BPLR i.e.12.00%
Rural Housing Loan Scheme to Agriculturist CIBIL Score Rate of Interest
760 and above 5.25% below BPLR (i.e.8.65% p.a.)
650 to 759 4.65% below BPLR (i.e.9.25% p.a.)
Up to 649 (with permission of next higher authority) 4.65% below BPLR (i.e.9.25% p.a.)
Home Improvement Loan Scheme for Farmers  (-1) or (0) 5.05% below BPLR (i.e.8.85% p.a.)
Pradhan Mantri Awas Yojana (PMAY) 
CIBIL SCORE Rate of Interest
Vehicle Loan Car Loan 760 and above 4.65% below BPLR (i.e.9.25% p.a.)
725 to 759 4.30% below BPLR (i.e.9.60% p.a.)
650 to 724 3.90% below BPLR (i.e.10.00% p.a.)
Less than 650 3.90% below BPLR (i.e.10.00% p.a.)
 (-1) or (0) 3.90% below BPLR (i.e.10.00 % p.a.)
 -GMI Rs.40000/- and above 4.65% below BPLR (i.e.9.25% p.a.)
 -GMI less than Rs.40000/- 4.30% below BPLR (i.e.9.60% p.a.)
Two Wheeler Loan Loans to ALL OTHER INDIVIDUALS  1.40% below BPLR i.e. 12.50%
Cases having EMPLOYER UNDER TAKING for recovery 1.90% below BPLR i.e. 12.00%
Small Road Transport Operators (SRTO) SRTO Loans up to Rs.2,00,000/-. 2.90% below BPLR i.e. 11.00%
SRTO Loans above Rs. 2,00,000/-  2.90% below BPLR i.e. 11.00%
Financing to Farmers for Purchase of New Four Wheeler CIBIL SCORE Rate of Interest
760 and above 4.65% below BPLR (i.e.9.25% p.a.)
725 to 759 4.30% below BPLR (i.e.9.60% p.a.)
650 to 724 3.90% below BPLR (i.e.10.00% p.a.)
Less than 650 3.90% below BPLR (i.e.10.00% p.a.)
 (-1) or (0) 3.90% below BPLR (i.e.10.00% p.a.)
Financing to Farmers for Two Wheelers 1.90 % below BPLR i.e.12.00%
Agri Loan Kisan Credit Card (KCC) Up to Rs.3,00,000/-  Subject to Govt. of India provides 2.00 % subvention to Banks on such advances otherwise as mentioned below. 7.00% *
For Crop Loan cases not covered in Above
Up to Rs.50,000/- 4.00% below BPLR i.e. 9.90%
Above Rs.50,000/- to Rs.2,00,000/- 3.25% below BPLR i.e.10.65%
Above Rs.2,00,000/- to Rs.3,00,000/- 2.90% below BPLR  i.e.11.00%
Above Rs.3,00,000/- to Rs.10,00,000/- 2.40% below BPLR  i.e.11.50%
Above Rs.10,00,000/-   2.15% below BPLR i.e.11.75%
Baroda Gujarat Kisan Tatkal Loan Up to Rs.50,000/- 3.50 % below BPLR i.e. 10.40%
Above Rs.50,000/- to Rs.1,00,000/- 2.90% below BPLR i.e.11.00%
At HalfYearly Rests
Financing Tractors, Trailors and other Agriculture Machinery under Farm Mechanization Up to Rs.50,000/- 3.50% below BPLR  i.e. 10.40%
Above Rs.50,000/- to Rs.2,00,000/- 2.90% below BPLR i.e. 11.00%
Above Rs.2,00,000/- to Rs. 3,00,000/- 2.90% below BPLR i.e.11.00%
Above Rs.3,00,000/- to Rs. 10,00,000/- 1.90% below BPLR i.e.12.00%
Above Rs.10,00,000/-  1.40% below BPLR i.e.12.50%
Special Scheme : Mini Dairy Farm Scheme for financing up to -10- Milch cattle Units  Up to Rs.50,000/- 3.50% below BPLR i.e. 10.40%
Above Rs.50,000/- to Rs.2,00,000/- 2.90% below BPLR i.e. 11.00%
Above Rs.2,00,000/- to Rs. 3,00,000/- 2.90% below BPLR  i.e.11.00%
Above Rs.3,00,000/- to Rs. 10,00,000/- 1.90% below BPLR  i.e.12.00%
Above Rs.10,00,000/-  1.40% below BPLR  i.e.12.50%
Baroda Gujarat Loans for Agro Based and Agro Processing Units 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/-  2.65% below BPLR i.e. 11.25% 
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/- 2.90% below BPLR i.e. 11.00 % 
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/- 3.15% below BPLR i.e. 10.75% 
Education Loan Educational Loan Scheme : Nursery to Standard XII up to Rs.7,50,000/- 1.90 % below BPLR i.e. 12.00 % 
Above Rs.7,50,000/-  1.40% below BPLR i.e. 11.50% 
(Education loan for Girls student, 0.50% concession in the interest rate to be allowed) 
Educational Loan: Graduation, Post-Graduation, Professional and other Courses in India up to Rs.7,50,000/- 1.90% below BPLR i.e. 12.00% 
Above Rs.7,50,000/-  1.40% below BPLR i.e. 11.50% 
(Education loan for Girls student,  0.50% concession in the  interest rate  to be allowed ) 
Educational Loan Scheme: Students Going Abroad for Professional / Technical Studies up to Rs.7,50,000/- 1.90% below BPLR i.e. 12.00% 
Above Rs.7,50,000/-  1.40% below BPLR i.e. 11.50% 
(Education loan for Girls student,  0.50% concession in the  interest rate  to be allowed ) 
Central Scheme of Interest Subsidy for Education Loans
Education Loan To PWD 4% Fixed A rebate 0.50% on interest to women beneficiaries.
Business Loan Baroda Gujarat Arogyadham Loan Scheme up to Rs.3,00,00,000/- 3.90% below BPLR i.e. 10.00% 
Above Rs.3,00,00,000/- 3.55% below BPLR i.e. 10.35% 
Baroda Gujarat Loans to Govt. Approved Contracors up to Rs. 10,00,000/- 2.90% below BPLR i.e.11.00% 
up to Rs. 10,00,000/- 3.15% below BPLR i.e.10.75% to 0.10% above BPLR 14.00%
Baroda Gujarat Traders Loan (BGTL) Score as per BGTL Credit Rating Module Rate of Interest
BGTL-1 to BGTL-3 (above 85%) 3.80% below BPLR i.e. 10.10% 
BGTL-4 to BGTL-5 (above 70% to 85%) 3.30% below BPLR i.e. 10.60% 
BGTL-6 (above 50% upto 70%) 2.80% below BPLR i.e.11.10% 
Baroda Gujarat SME Loan Pack up to Rs.10,00,000/- 2.90% below BPLR i.e. 11.00%
Above Rs.10,00,000/- 3.15% below BPLR i.e. 10.75% to 0.10% Above BPLR i.e. 14.00% 
# 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.
Baroda Gujarat Overdraft Against Land & Building Under MSME for MICRO Enterprises (MEs) 1.90% below BPLR i.e. 12.00%
for SMALL Enterprises (SEs) 1.65% below BPLR i.e. 12.25%
for MEDIUM Enterprises 1.15% below BPLR i.e. 12.75%
Baroda Gujarat Mortagage Loan (Non Individuals) Security Margin Rate of interest
Up to 50% 1.9% below BPLR 
Above 50% 2.15% below BPLR
Mudra 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 %
Self Employment PWDs Up to 50000/- 5% Fix
Loan Above 50000/- to 5 Lacs 6% Fix
Loan Above 5Lacs 8% Fix
1% Women
Personal Loan Su-labh Personal Loan scheme for Salaried Person 0.10% ABOVE BPLR i.e. 14.00%
Baroda Gramin Salary Advantage Saving Account
Baroda Gujarat Marriage Loan up to Rs.50,000/- 2.00% ABOVE BPLR i.e. 15.90%
Above Rs.50,000/- to Rs.2,00,000/- 2.00% ABOVE BPLR i.e.15.90%
Baroda Gujarat Loan Against Securities – National Savings Certificates 2.90% below BPLR i.e. 11.00% OR 1% Above applicable rate of NSC/ KVP/LIC Polices, Relief Bond / Govt. Bond which ever is higher
Baroda Gujarat Loan Against Securities – Kisan Vikas Patra
Baroda Gujarat Loan Against Securities - Life Insurance Policies
Baroda Gujarat Loan Against Securities -Relief Bonds / Government Bonds\
Loan Against 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
Financial Inclusion Loan Baroda Gramin Kisan Group Loan Scheme 1.75% below BPLR i.e. 12.15%
Sulabh Suvidha Scheme for SHG 3.00% below BPLR i.e. 10.90% 
Baroda Gujarat Gram Ujala Scheme 2.00% below BPLR at monthly rests i.e. 2.25%
Dhanlaxmi Juth Credit Card ( DJCC ) 1.75% below BPLR i.e. 12.15%
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