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Interest Rates on Advances WHOLESALE | RETAIL LOAN | PRIORITY SECTOR | SME | EXPORT CREDIT Base Rate (per annum) w.e.f. 09.02.2013 10.25% Our BPLR for all the existing accounts is 14.50% per annum w.e.f from 09.02.2013 Wholesale Rate of interest for Wholesale w.e.f 01.05.2012 Rating Rate of Interest CR-1 Base Rate + 4.25% CR-2 Base Rate + 4.50% CR-3 Base Rate + 5.00% CR-4 Base Rate + 5.50% CR-5 Base Rate + 6.25% CR-6 Base Rate + 6.75% CR-7,8,9,10 Base Rate + 7.00% Rate of interest on Bill Discounted under LC for all categories Particulars Rate of interest 1. When Bills Discounted are under Letter of Credit of our Bank/other prime Banks a. Having contractual maturity from 1 to 90 days. 0.50% above Base Rate b. Having contractual maturity from 91 to 180 days. 0.75% above Base Rate c. Having contractual maturity more than 180 days upto 1 year(Our Bank's LC) 4.00% above Base Rate d. Having contractual maturity more than 180 days upto 1 year (Other Bank's LC) 4.50% above Base Rate To Top Retail Loans Baroda Home Loan to Individuals / NRIs / PIOs (W.E.F 10.09.2012) Fixed Rate option Not Available Floating Rate option Repayment Period Up to Rs. 30 Lacs Above Rs. 30 Lacs and below Rs. 75 Lacs 75 Lacs and above Upto 5 years 0.25% above Base Rate 1.00% above Base Rate Base Rate + 1.25% Over 5 years & up to 15 years 0.50% above Base Rate 1.25% above Base Rate Base Rate +1.50% Over 15 years & up to 30 yrs 0.75% above Base Rate 1.50% above Base Rate Base Rate +1.75% Baroda Home Improvement Loan 2.50% above Base Rate Baroda Additional Assured Advance (AAA) (Resident / NRIs / PIOs) 1.50% above Base Rate w.e.f 16.08.2012 Baroda Auto Loan Baroda Car Loan/ Baroda Car Loan to HNIs / Corporate w. e.f 01.05.2012 For Loans of tenor upto 5 years (Irrespective of amount of loan): 2.50% above Base Rate For Loans of tenor over 5 years (Irrespective of amount of loan): 3.00% above Base Rate Baroda Loan for Two Wheelers 4.00% above Base Rate Baroda Mortgage Loan (Realigned Product) 5.25% above Base Rate Baroda Ashray (Reverse Mortgage) Fixed Rate Option: Not Available Floating Rate Option 1.75% Above Base Rate Baroda Traders Loan (irrespective of loan limit/OD/TL) 3.00 % above Base Rate Baroda Loan to Doctors Upto Rs.2/- lacs 3.00 % above Base Rate Above Rs.2.lacs 2.50 % above Base Rate Baroda Education Loan Loans upto Rs.4.00 lacs 2.50% above Base Rate Loans above Rs.4.00 lacs and upto Rs 7.50 lacs 4.00% above Base Rate Loans above Rs.7.50 lacs 3.50% above Base Rate ** Additional concession of 1.00% to the students who have sought admission in premier institutions viz. IIMs, IITs and AIIMS / AFMC for loans of more than Rs 7.50 lac secured by tangible securities. Baroda Career Development 4.75% Above Base Rate Baroda Loan for Training, Skill Upgradation of Construction workers 5.00% Above Base Rate Baroda Advance Against Securities A Against NSC/KVP Loan: 3.50% above Base Rate or 0.50% over NSC / KVP rate, whichever is higher Overdraft: 4.00% above Base Rate or 0.75% over NSC / KVP, whichever is higher B Life Insurance Policy / Relief Bonds Loan: 3.50% above Base Rate Overdraft: 4.00% above Base Rate C Baroda Advance against Gold Ornaments/ Jewelleries 3.00% above Base Rate Baroda Personal Loan 4.50% above Base Rate Except for following Purpose Loan to Pensioners: 4.50% above Base Rate Loan to Defence Pensioners: 4.50% above Base Rate Loan for Earnest Money Deposit: 3.25% above Base Rate Baroda Salary Advantage Savings Account 5.50% above Base Rate Baroda Loan Against Future Rent Receivables 6.00% above Base Rate Loan against Bank's own Deposit (LABOD) - For advances below Rs. 1 Crore Category Loan to depositor Loan to third party Domestic (Public) 1.50% over deposit rate 2% over deposit rate or 3.50% above Base Rate, whichever is higher. Senior Citizens 1.25% over deposit rate Not applicable NRE Deposits (Public) # 1.50% over deposit rate 2% over deposit rate or 3.50% above Base Rate, whichever is higher. # Maximum loan amount subject to current RBI/FEMA guidelines. Loan against Bank's own Deposit (LABOD) - For advances of Rs. 1 Crore and above Category Loan to depositor Loan to third party Domestic (Public) 1.75% over deposit rate 2.25% over deposit rate or 3.50% above Base Rate, whichever is higher. To Top Priority Sector Sr. No. Parameter Interest rate (per annum) w.e.f. 14.02.2013 1. Direct Agriculture 1.1 Crop loans/ Production Credit 1.1.1 Crop loans/Production Credit up to Rs. 3 lacs. 7.00% p.a. (Fixed) * *Subject to Govt. of India provides subvention to Banks on such advances. Otherwise as mentioned above: Upto Rs.50,000: At Base Rate i.e.10.25% Above Rs. 50,000 upto Rs.2 lacs: 0.50% above Base Rate Above Rs.2 lacs upto Rs.3 lacs : 1.50% above Base Rate 1.1.2 Crop loans/Production Credit Above Rs. 3 lacs and less than Rs. 25 lacs. 2.00% above Base Rate 1.1.3 Crop loans/Production loans Rs. 25 lacs & above. 2.50% above Base Rate 1.2 Investment loans (Based on aggregate limits combined with production credit) 1.2.1 Upto Rs.50,000. 0.25% above Base Rate 1.2.2 Above Rs.50,000 upto Rs. 2 lacs 0.75% above Base Rate 1.2.3 Above Rs. 2 lacs upto less than Rs.25 lacs. 2.25% above Base Rate 1.2.4 Rs. 25 lacs & above 2.75% above Base Rate 2 Indirect Agriculture/Other Priority Sector (Other than Housing Loans, Retail Lending Products & SME) 2.1.1 Loans upto Rs.50,000 0.25% above Base Rate 2.1.2 Above Rs.50,000 to Rs. 2 lacs. 0.75% above Base Rate 2.1.3 Above Rs.2 lacs but less than Rs. 25 lacs. 2.25% above Base Rate The pricing is delinked from credit rating. However, the credit rating is to be carried out to ascertain the risk profile of the portfolio. 2.1.4 Rs. 25 lacs and above. Ranging from 2.15% above Base Rate to 5.00% above Base Rate for loans depending upon credit rating of individual borrower irrespective of the tenure as mentioned above. 2.1.4.1 For Indirect Agriculture Advance Above Rs 25 lacs 2.1.4.1.1 CR1 2.15% above Base Rate 2.1.4.1.2 CR2 2.50% above Base Rate 2.1.4.1.3 CR3 2.75% above Base Rate 2.1.4.1.4 CR4 3.00% above Base Rate 2.1.4.1.5 CR5 3.50% above Base Rate 2.1.4.1.6 CR 6, 7, 8, 9 & 10 4.00% above Base Rate 2.1.4.2 For Other Priority Sector (Advances other than Agriculture/Retail/ SME Banking) Rs 25 Lacs & above 2.1.4.2.1 CR1 3.15% above Base Rate 2.1.4.2.2 CR2 3.50% above Base Rate 2.1.4.2.3 CR3 3.75% above Base Rate 2.1.4.2.4 CR4 4.50% above Base Rate 2.1.4.2.5 CR 5, 6, 7, 8, 9 & 10 5.00% above Base Rate 3.1 Advance to special category of borrowers/activities/purpose: 3.1.1 Finance to PACS/FSS/ LAMPS for on lending to farmers irrespective of loan limits/purpose. 7.00% Fixed subject to GOI Subvention on such advances otherwise base rate plus .50% 3.1.2 Finance to SHGs /JLGs 1.00% above Base Rate 3.1.3 Advances for construction of rural godowns Base Rate plus 2% 3.1.4 Advances against warehouse receipt to farmers upto ` 25.00 lacs* Base Rate+1.00% 3.1.4.2 Advances against ware house receipt other than category mentioned at point no. 3.1.4* Base Rate+2.00% 3.1.5 Loans for purchase of four wheelers to farmers Rate of interest applicable for Baroda car Loan minus 0.25% subject to minimum ROI of Base Rate 3.1.6 Financing construction of farm house cum dwelling unit Rate of interest applicable for housing loan scheme of our Bank. *3.1.4 & 3.1.4.2 For advances against ware house receipt: Concession of 0.25% in rate of interest is allowed for advances against negotiable warehouse receipt irrespective of the category of borrower. To Top Interest rates applicable for domestic credit (Micro, Small & Medium Enterprises) w.e.f 21.07.2012 Micro / Small Enterprises Limits Micro Enterprises Small Enterprises Medium Enterprises Up to Rs. 50,000/- Base Rate Base Rate + 0.50 --- Above Rs. 50,000/-to 2.00 lacs Base Rate + 0.50 Base Rate + 1% --- Above Rs. 2.00 lacs to less than Rs. 25.00 lacs Base Rate + 2.75. Base Rate + 3.25% Base Rate + 3.75% On SME advances of Rs.25.00 lacs and abovee Amount of Loan / Advance/Rating Micro Enterprises Small Enterprises Medium Enterprises Irrespective of loan amount Rs. 25.00 lacs and above Base rate + 2.15% to 4.00% as per credit rating: Base rate + 2.65% to 4.50% as per credit rating Base rate + 2.90 % to 5.75% as per credit rating CR-1 Base rate + 2.15 Base rate + 2.65 Base rate + 2.90 CR-2 Base rate + 2.50 Base rate + 3.00 Base rate + 3.25 CR-3 Base rate + 2.75 Base rate + 3.25 Base rate + 3.75 CR-4 Base rate + 3.00 Base rate + 3.50 Base rate + 4.25 CR-5 Base rate + 3.50 Base rate + 4.00 Base rate + 5.00 CR-6 & above Base rate + 4.00 Base rate + 4.50 Base rate + 5.75 Advances to Retail Trade (Classified under MSE Sector) Limit Rate of interest Upto Rs. 50,000/- Base Rate + 1% Above Rs. 50,000/- and upto Rs. 2/- lacs Base Rate + 1.5% Above Rs. 2/- lacs and upto Rs. 20/- lacs Base Rate + 3.75% SMES as per expanded definition Credit Rating Rate of interest CR-1 Base Rate + 4.25% CR-2 Base Rate + 4.50% CR-3 Base Rate + 5% CR-4 Base Rate + 5.50% CR-5 Base Rate + 6.25% CR-6 Base Rate + 6.75% CR-7 to CR-10 Base Rate + 7% To Top Export Credit - (Interest rates w.e.f 01.05.2012) Interest rates for Normal Exporters Categories of Rupee Export Credit Credit Rating Rate of Interest Pre-Shipment Credit (a) Up to 270 days CR 1 to CR 3 1.00% above Base Rate CR 4 to CR 6 1.25% above Base Rate CR 7 to CR 10 1.50% above Base Rate (b) Against incentives receivable from Govt. (Covered by ECGC guarantee) upto 90 days. CR 1 to CR 3 1.00% above Base Rate CR 4 to CR 6 1.25% above Base Rate CR 7 to CR 10 1.50% above Base Rate Post-Shipment Credit a) On Demand Bills for transit period (as specified by FEDAI) CR 1 to CR 3 1.00% above Base Rate CR 4 to CR 6 1.25% above Base Rate CR 7 to CR 10 1.50% above Base Rate (b) Against Usance bills upto notional due date or actual due date, whichever is earlier (for total period comprising of usance period of export bills, transit period as specified by FEDAI and grace period wherever applicable i) Upto 180 days from the date of advance CR 1 to CR 3 1.00% above Base Rate CR 4 to CR 6 1.25% above Base Rate CR 7 to CR 10 1.50% above Base Rate c) Against incentives receivable from Govt. (covered by ECGC Guarantee) upto 90 days CR 1 to CR 3 1.00% above Base Rate CR 4 to CR 6 1.25% above Base Rate CR 7 to CR 10 1.50% above Base Rate d) Against undrawn balance (upto 90 days) CR 1 to CR 3 1.00% above Base Rate CR 4 to CR 6 1.25% above Base Rate CR 7 to CR 10 1.50% above Base Rate e) Against retention money (for supplies portion only) payable within one year from the date of shipment (upto 90 days) CR 1 to CR 3 1.00% above Base Rate CR 4 to CR 6 1.25% above Base Rate CR 7 to CR 10 1.50% above Base Rate Export Credit Not Otherwise Specified (ECNOS)* (a) Pre-Shipment Credit 7.00% above Base Rate (b) Post-Shipment Credit 7.00% above Base Rate Interest Rates on Export Credit in Foreign Currency (W.E.F. 16.11.2011) Rate of Interest Pre shipment and Post shipment LIBOR plus 350 basis points Interest rates for Gold Card Holders Categories of Rupee Export Credit Credit Rating Rate of Interest Pre-Shipment Credit (a) Up to 270 days CR 1 to CR 3 0.75% above Base Rate CR 4 to CR 6 1.00% above Base Rate CR 7 to CR 10 NOT ELIGIBLE Post-Shipment Credit (a) Up to 365 days CR 1 to CR 3 0.75% above Base Rate CR 4 to CR 6 1.00% above Base Rate CR 7 to CR 10 NOT ELIGIBLE Penal Interest Rate : In the event of non-compliance with any of the terms or conditions of the sanction , penal interest upto a maximum of 2% over and above the contracted rate , will be charged to the borrower

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