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Display of Information as per RBI Guidelines- Interest Rates range of Contracted loans.
Interest Rates on Deposits (Domestic & NRO) (Per Annum) (Fresh & Renewal) [Callable] (ROI in %)

Interest Rate on Term Deposits & NRO Deposits (w.e.f. 04.05.17)
Tenors Below Rs 1 Cr.
7 days to 14 days 4.50%

15 days to 45 days 4.50%

46 days to 90 days 5.75%

91 days to 180 days 6.25%

181 days to 270 days 6.50%

271 days & above and less than 1 year 6.50%

1 year 6.90%

Above 1 year and upto 2 Years 6.90%

Above 2 Years and upto 3 Years 6.75%

Above 3 Years and upto 5 Years 6.75%

Above 5 Years and upto 10 Years 6.50%


Interest Rate on Term Deposits & NRO Deposits (w.e.f. 04.05.2017)
Tenors Rs 1 Cr to Rs 10 Cr.
7 days to 14 days 4.00
15 days to 45 days 4.00
46 days to 90 days 4.00
91 days to 180 days 4.00
181 days to 270 days 4.00
271 days & above and less than 1 year 4.25
1 year 4.25
Above 1 year and upto 2 Years 4.50
Above 2 Years and upto 3 Years 4.50
Above 3 Years and upto 5 Years 4.50
Above 5 Years and upto 10 Years 4.50

Interest Rates for Domestic Term Deposits & NRO Deposits of more than Rs 10 Crore & Up to Rs 50 Crore (Fresh & Renewal)
Maturity Range Amount of Deposit Per receipt
(w.e.f. 04.05.2017) (w.e.f. 04.05.2017)
Above Rs 10 cr. to Rs 25 cr. Above Rs 25 cr. to Rs 50 cr.
7 days to 14 days 4.00 4.00
15 days to 45 days 4.00 4.00
46 days to 90 days 4.00 4.00
91 days to 180 days 4.00 4.00
181 days to 270 days 4.00 4.00
271 days & above and less than 1 year 4.25 4.25
1 year 4.25 4.25
Above 1 year and upto 2 Years 4.50 4.50
Above 2 Years and upto 3 Years 4.50 4.50
Above 3 Years and upto 5 Years 4.50 4.50
Above 5 Years and upto 10 Years ** **

Interest Rates for Domestic Term Deposits & NRO Deposits of more than Rs 50 Crore & above Rs 100 Crore (Fresh & Renewal)
Tenors Amount of Deposit Per receipt
(w.e.f. 22.06.2017) (w.e.f. 22.06.2017)
Above Rs 50 cr. to Rs 100cr. Above Rs 100cr.
7 days to 14 days 4.00 4.00
15 days to 45 days 4.00 4.00
46 days to 90 days 4.00 4.00
91 days to 180 days 4.50 4.50
181 days to 270 days 4.50 4.50
271 days & above and less than 1 year 4.50 4.50
1 year 4.75 4.75
Above 1 year and upto 2 Years 5.00 5.00
Above 2 Years and upto 3 Years 5.25 5.25
Above 3 Years and upto 5 Years 5.25 5.25
Above 5 Years and upto 10 Years ** **

Baroda Tax Savings Term Deposit (w.e.f. 04.05.17)
Maturity Range Deposit [Per Annum]
less than Rs 1 Cr.
Tax Savings Scheme:

For 5 years

6.75%

Above 5 years to up to 10 years*

6.50%

*Premature withdrawal not allowed before completion of 5 years except in case of death of the customer

For Baroda Advantage Fixed Deposit (domestic) Accounts (Non Callable) (Fresh & Renewal) new
Maturity Range
ROI for Deposits from Rs.15.01 lacs to less than Rs. 1 Cr. ROI for Deposits of Rs. 1 Cr. to Rs. 10 Cr.
w.e.f. 04-05-2017 w.e.f. 04.05.2017
1 year 7.00% 4.30%
Above 1 Years and upto 2 Years 7.00% 4.55%
Above 2 Years and upto 3 Years

6.85%

4.55%
Above 3 Years and upto 5 Years 6.85%

4.55%

Above 5 Years and upto 10 Years

6.60%

4.55%


Savings Deposits Interest Rate (% p.a.)
Savings Account 4.00%


NRI SCHEMES

FOREIGN CURRENCY NON-RESIDENT DEPOSIT - FCNR(B)- w.e.f. (01st June 2017)
The rates shall be effective up to 30st June 2017
Maturity Period Rate of Interest
USD GBP EUR YEN CAD AUD
1 Year to less than 2 years

2.11
(2.14)

0.60
(0.62)

0.00
(0.00)

0.25
(0.24)

1.65
(1.70)

2.22
(2.29)

2 years to less than 3 years

2.25
(2.33)

1.02
(1.07)

0.04
(0.07)

0.26
(0.24)

1.58
(1.60)

2.27
(2.37)

3 years to less than 4 years

2.65
(2.72)

1.08
(1.14)

0.13
(0.18)

0.26
(0.24)

1.68
(1.71)

2.36
(2.51)

4 Years to less than 5 years

2.77
(2.82)

1.16
(1.22)

0.24
(0.29)

0.28
(0.26)

1.77
(1.81)

2.61
(2.83)

5 years

2.84
(2.92)

1.24
(1.30)

0.36
(0.42)

0.30
(0.28)

1.85
(1.90)

2.72
(2.96)

* Fig ures in bracket () indicate rate of interest before revision.

The above revised rates will apply for fresh deposits and on renewal of maturing FCNR (B) deposits till further communication.

Please note that no additional interest is permitted to Senior Citizen and Staff.

All Branches are requested to take a careful note of the above.



NRE Term (Rupee) Deposits [Fresh & Renewal] [Callable] (ROI in %) – (w.e.f. 04.05.17)
Maturity Range Below Rs. 1.00 crore
1 year

6.90%

Above 1 Years and upto 2 Years

6.90%

Above 2 Years and upto 3 Years

6.75%

Above 3 Years and upto 5 Years

6.75%

Above 5 Years and upto 10 Years

6.50%


NRE TERM (RUPEE) DEPOSITS (w.e.f 04.05.2017)
MaturityRange Rs.1 crore to Rs. 10 crores
1 Year 4.25 %
> 1 yr. upto 2 yrs. 4.50 %
> 2 yrs. upto 3 yrs. 4.50 %
>3 years upto 10 years 4.50 %

NRE Term Deposits of more than Rs. 10 crores (Fresh & Renewal)

Maturity Range

Amount of Deposit Per receipt

w.e.f. 04.05.2017
Above Rs.10 cr. to Rs.25 cr.

Above Rs.25 cr. to Rs.50 cr.

1 year 4.25 % 4.25 %
> 1 year up to 2 years 4.50 % 4.50 %
> 2 years up to 3 years 4.50% 4.50%

NRE Term Deposits of more than Rs. 50 crores (Fresh & Renewal)
Maturity Range Amount of Deposit Per receipt
w.e.f 22.06.2017 w.e.f 22.06.2017

Above Rs.50 cr. to Rs.100 cr.

Above Rs.100 cr.
1 year 4.75 % 4.75 %
> 1 yr. upto 2 yrs. ** **
> 2 yrs. upto 3 yrs ** **
> 3 yrs. upto 5 yrs. ** **
> 5 yrs. upto 10 yrs. ** **


NRE Savings Deposits (Effective from 03.05.2011) Interest Rate (% p.a.)
Savings Account 4.00%


Note :
Rules regarding payment and calculation of interest on time deposits

Interest accrued on a time deposit, would ordinarily be paid, only on maturity. However, at the request of the depositor, interest on deposits of -12- months and over, can be paid before maturity on the following basis:-

Monthly, quarterly or half yearly interest on completion of the month/quarter/half year calculated from the date of deposit or end of each calendar month / quarter / half year, whichever is later.

Interest payable under the Monthly Income Plan is the discounted value of interest payable in terms of IBA code for Banking practice. i.e. interest received under Monthly Income Plan will be less than simple interest.

For calculation of interest on term deposits for periods less than -12- months, the following methodology would be adopted:-

“In all cases of domestic term deposits (Period of deposit less than a year) where the terminal quarter is incomplete, interest will be calculated for complete quarter and for the actual number of days, reckoning the year 365/366 days, i.e. the calculation of interest on such deposits should be in order of completed quarters and days.”

Accordingly interest will be paid as under.

  1. Deposit placed for period less than 90 days /3 months, interest will be calculated for the actual number of days on the basis of 365/366 days in a year.
  2. Deposit placed for more than 90 days /3 months to less than 180 days /6 months interest will be calculated first for completed quarters and thereafter for actual number of days if terminal quarter is incomplete reckoning the year at 365/366 days. ( Total interest= Interest of quarter+ interest for days i.e. simple interest)
  3. Deposit placed for more than 181 days /six months but less than one year interest will be calculated first for completed quarters and for terminal incomplete quarter, actual number of days reckoning the year at 365/366 days. Interest will be calculated and compounded at quarterly rests. ( compounding will be done if deposit is for more than 2 quarters period.)

Method of calculation of interest adopted for Term deposit (period of deposit more than a year ) w.e.f. 01.03.2012

In all cases of domestic term deposits (period of deposit more than a year) where the terminal quarter is incomplete, interest will be calculated for the actual number of days, reckoning the year 365/366 days viz. the calculation of interest on such deposits will be in order of completed quarters and days.

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