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 
CR1 
Base Rate + 4.25% 
CR2 
Base Rate + 4.50% 
CR3 
Base Rate + 5.00% 
CR4 
Base Rate + 5.50% 
CR5 
Base Rate + 6.25% 
CR6 
Base Rate + 6.75% 
CR7,8,9,10 
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 
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Retail Loans
Baroda Home Loan to Individuals / NRIs / PIOs 
Fixed Rate option 
Not Available 
Floating Rate option (for fresh sanctions and for existing accounts w.e.f. 01.06.2013) 
Repayment Period 
Up to Rs. 30 Lacs 
Above Rs. 30 Lacs and below Rs. 75 Lacs 
75 Lacs and above 
Upto 5 years 
Base Rate i.e. 10.25% 
Base Rate i.e. 10.25% 
Base Rate i.e. 10.25% 
Over 5 years & up to 15 years 
Base Rate i.e. 10.25% 
Base Rate i.e. 10.25% 
Base Rate i.e. 10.25% 
Over 15 years & up to 30 yrs 
Base Rate i.e. 10.25% 
Base Rate i.e. 10.25% 
Base Rate i.e. 10.25% 
Baroda Home Improvement Loan 
Base Rate + 2.50% i.e. 12.75%

Baroda Additional Assured Advance (AAA) (Resident / NRIs / PIOs) 
Base Rate + 1.50%

Baroda Auto Loan 
Baroda Car Loan/ Baroda Car Loan to HNIs / Corporate w.e.f. 01.06.2013 
Repayment period upto 5 years 
Base Rate + 0.25% i.e. 10.50% p.a. at present (irrespective of tenure) 
Repayment period > 5 years 
Baroda Loan for Two Wheelers 
Base Rate + 4.00%

Baroda Mortgage Loan (w.e.f 01.10.2013) 
Base Rate + 3.25%

Baroda Ashray (Reverse Mortgage) 
Fixed Rate Option: 
Not Available 
Floating Rate Option 
Base Rate + 1.75% 
Baroda Traders Loan (irrespective of loan limit/OD/TL) 
Base Rate + 3.00% 
Traders Loan Against security of Gold ornaments / Jewellery 
Base Rate + 3.00% 
Baroda Loan to Doctors 
Upto Rs.2.00 lacs 
Base Rate + 3.00% 
Above Rs.2.00 lacs 
Base Rate + 2.50% 
Baroda Education Loan (w.e.f. 01.10.2013) 
Loans upto Rs.4.00 lacs 
Base Rate + 2.50% 
Loans above Rs.4.00 lacs and upto Rs 7.50 lacs 
Loans above Rs.7.50 lacs 
Base Rate + 1.75% 
Baroda Education Loan for Vocational Education & Training 
Base Rate + 2.00% 
**0.50% concession in ROI to Education Loans sanctioned for the benefit of girl student.
** Concession of 1.00% in ROI to students who have sought admission in premier institutions viz. IIMs, IITs, IIFT, AIIMS, AFMC, ISB, NITs, XLRI, MDI, SPJIMR, IISC, SPJIM irrespective of Loan amount.
Baroda Career Development 
Base Rate + 2.75%

Baroda Advance Against Securities 
A 
Against NSC/KVP 
Loan: Base Rate + 3.50% or 0.50% over NSC / KVP rate, whichever is higher
Overdraft: Base Rate + 4.00% or 0.750% over NSC / KVP rate, whichever is higher 
B 
Life Insurance Policy / Relief Bonds 
Loan: Base Rate + 3.50%
Overdraft: Base Rate + 4.00% 
C 
Baroda Advance against Gold Ornaments/ Jewelleries 
Base Rate + 3.00% 
Baroda Personal Loan 
Base Rate + 4.50% 
Except for following Purpose 
Loan to Pensioners: Base Rate + 4.50%
Loan to Defence Pensioners: Base Rate + 4.50%
Loan for Earnest Money Deposit: Base Rate + 3.25% 
Baroda Salary Advantage Savings Account 
Base Rate + 5.50%

Baroda Loan Against Future Rent Receivables 
Base Rate + 3.25%

Loan against Bank's own Deposit (LABOD)  For advances below Rs. 1 Crore (w.e.f 01.08.2013)
Category 
Loan to depositor 
Loan to third party 
Domestic (Public) 
1.00% over deposit rate 
1% over deposit rate or 0.25% above Base Rate, whichever is higher. 
Senior Citizens 
1.00% over deposit rate 
Not applicable 
# Maximum loan amount subject to current RBI/FEMA guidelines.
Loan against Bank's own Deposit (LABOD)  For advances of Rs. 1 Crore and above(w.e.f 01.08.2013)
Category 
Loan to depositor 
Loan to third party 
Domestic (Public) 
1.00% over deposit rate 
1.00% over deposit rate or 0.25% above Base Rate, whichever is higher. 
Loan against NRE Term Deposits: (w.e.f. 03.09.2013)
Sr No. 
Loans/Overdrafts 
Revised interest structure 
1 
For Self 
1.00% over the interest rate on NRE Term Deposit 
2 
For Third Party 
1.00% over the interest rate on NRE Term Deposit or Base Rate +0.25% whichever is higher 
Loan against FCNR (B) Deposits: (w.e.f. 19.07.2010)
Sr. No. 
Loans/Overdrafts 
interest structure 
1 
For Self 
Base Rate plus 100 bps 
2 
For Third Party 
(i) Up to Rs. 2 Lacs 
Base Rate plus 100 bps 
(ii) Above Rs. 2 Lacs 
(a) For Personal Purpose 
Base Rate plus 300 bps 
(b) For Business purposes 
Base Rate plus 400 bps 
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Priority Sector
Sr. No. 
Parameter 
Interest rate (per annum) w.e.f. 01.08.2013 
1. 
Direct Agriculture (Production Credit & Investment Credit*) 
1.1 
Limit up to Rs 3 lacs 
7.00% p.a. (Fixed) : Subject to Govt. of India providing subvention to Bank on such advances.
Otherwise as mentioned below :
Base Rate i.e. 10.25% p.a. 
1.2 
Above Rs 3 lacs and
less than Rs 25 lacs 
Base Rate+1.25% i.e. 11.50% p.a. 
1.3 
Rs 25 lacs and above 
Base Rate+2.00% i.e. 12.25% p.a. 
*Investment Credit will attract tenure premium as mentioned separately 
2 
Indirect Agriculture/Other Priority Sector
(Other than housing Loans, Retail Lending Products & MSE) 
2.1 
Loans up to Rs 3 lacs 
Base Rate+0.50% i.e. 10.75% p.a. 
2.2 
Above Rs 3 lacs and
less than Rs 25 lacs 
Base Rate+1.50% i.e. 11.75% p.a.
(The pricing is delinked from credit rating. However, the credit rating is to be carried out to ascertain the risk profile of the portfolio.) 
2.3 
Rs 25 lacs and above. 
Ranging from Base Rate+1.50% i.e. 11.75% to Base Rate + 3.50% i.e. 13.75% p.a. for loans depending upon credit rating of individual borrower irrespective of the tenure as mentioned below. 
2.5.1: 
For Indirect Agriculture: Rs 25.00 lacs & above: 
2 
CR 1 
Base Rate+1.50% i.e. 11.75% p.a. at present. 
2.1.1 
CR 2 
Base Rate+1.75% i.e. 12.00% p.a. at present. 
2.1.2 
CR 3 
Base Rate+2.00% i.e. 12.25% p.a. at present. 
2.1.3 
CR 4 
Base Rate+2.50% i.e. 12.75% p.a. at present. 

CR 5 
Base Rate+2.75% i.e. 13.00% p.a. at present. 
2.1.4 
CR 6, 7, 8, 9 & 10 
Base Rate+3.25% i.e. 13.50% p.a. at present. 
2.1.4.1 
For Other Priority Sector (For advances other than Agriculture/Retail/SME Banking) :
Rs 25.00 lacs & above: 
2.1.4.1.1 
CR 1 
Base Rate+1.90% i.e. 12.15% p.a. at present. 
2.1.4.1.2 
CR 2 
Base Rate+2.25% i.e. 12.50% p.a. at present. 
2.1.4.1.3 
CR 3 
Base Rate+2.25% i.e. 12.50% p.a. at present. 
2.1.4.1.4 
CR 4 
Base Rate+2.75% i.e. 13.00% p.a. at present. 
2.1.4.1.5 
CR 5 
Base Rate+3.00% i.e. 13.25% p.a. at present. 
2.1.4.1.6 
CR 6, 7, 8, 9 & 10 
Base Rate+3.50% i.e. 13.75% p.a. at present. 
3 
Advances to special category of borrowers/activities/purposes: 
Sr.No. 
Parameter 
Interest Rates 
3.1 
Finance to PACS/ FSS/ LAMPS for on lending to farmers irrespective of loan limit / purpose. 
7.00% p.a. (Fixed) *Subject to Govt. of India providing subvention to Banks on such advances.
Otherwise, rate will be:
Base Rate+0.50% i.e. 10.75% p. a. 
3.2 
Finance to SHGs/JLGs 
 Upto Rs 3 lacs as applicable to Agriculture / Other Priority Sector advances as the case may be.
Above Rs 3 lacs  Base Rate+1.00% i.e. 11.25% p. a. 
3.3 
Advances for construction of Godowns designed to store agriculture produce / products 
Base Rate+0.50% i.e. 10.75% p.a. 
3.4.1 
Advances against warehouse receipts to farmers up to Rs 50.00 lacs @ 
Base Rate+1.00% i.e. 11.25% p.a. 
3.4.2 
Advances against ware house receipts to other than farmers @ 
Base Rate+2.00% i.e. 12.25% p. a 
3.5 
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 
3.6 
Financing construction
of farm house cum dwelling unit to farmers 
Rate of interest applicable for housing loan scheme of our Bank. 
3.7 
Advances for construction & running of cold storages designed to store agriculture produce/ products 
Base Rate+2.00% i.e. 12.25% p.a. 
3.8 
Advances for poultry units 
Base Rate+1.00% i.e.,11.25% p.a. 
@ Concession of 0.25% is allowed for negotiable warehouse receipt.
Tenure Premium to be introduced for term loans as under :
Sr No 
Period of Term Loan 
Tenure Premium 
1 
Less than 3 years 
Nil 
2 
3 Years & above and up to 5 years 
0.10% 
3 
Above 5 years & up to 7 years 
0.15% 
4 
Above 7 years & up to 10 years 
0.20% 
5 
Above 10 years 
1.00% 
*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. 
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Interest rates applicable for domestic credit (Micro, Small & Medium Enterprises) w.e.f 01.06.2013
Micro / Small Enterprises
For limits up to Rs. 25/ lacs (REGULATORY)
Limits 
Micro Enterprises 
Small Enterprises 
Medium Enterprises 
Up to Rs. 50000/ 
Base Rate 
Base Rate + 0.50% 
 
Above Rs. 50000/to 2.00 lacs 
Base Rate + 0.50% 
Base Rate + 1% 
 
Above Rs.2.00 Lacs to Rs.10.00 Lacs 
Base Rate + 1.00% 
Base Rate + 1.25% 

Above Rs. 10.00 lacs to less than Rs. 25.00 lacs 
Base Rate + 1.25% 
Base Rate + 1.75% 
Base Rate + 2.00% 
New Band introduced for loans above Rs.2.00 lacs up to Rs.10.00 lacs.
For limits of RS. 25.00 lacs and above (REGULATORY) –
Spread over Base Rate as under.
Composite Rating 
Micro Enterprises ROI in % 
Small Enterprises ROI in % 
Medium Enterprises ROI in % 
CR1 
Base Rate +1.40 % 
Base Rate +1.90 % 
Base Rate +2.15 % 
CR2 
Base Rate +1.75 % 
Base Rate +2.25 % 
Base Rate +2.40 % 
CR3 
Base Rate +2.00 % 
Base Rate +2.25 % 
Base Rate +2.40 % 
CR4 
Base Rate +2.50 % 
Base Rate +2.75 % 
Base Rate +2.90 % 
CR5 
Base Rate +2.75 % 
Base Rate +3.00 % 
Base Rate +3.25 % 
CR6 & below 
Base Rate +3.25 % 
Base Rate +3.50 % 
Base Rate +3.75 % 
It has been decide to charge Tenor premium in respect of Term Loans as under,
Tenor Premium 
Less than 3 years 
Nil 
Above 3 years and up to 5years 
0.10% 
Above 5 years and up to 7years 
0.15% 
Above 7 years and up to 10 years 
0.20% 
Above 10 years 
1.00% 
Rate of interest on Non Regulatory/SME EXPANDED
Spread over Base Rate as under:
Composite Rating 
Non Regulatory /SME EXPANDED ROI in % 
CR1 
Base Rate +2.25 % 
CR2 
Base Rate +2.50 % 
CR3 
Base Rate +2.50 % 
CR4 
Base Rate +3.00 % 
CR5 
Base Rate +3.50 % 
CR6 
Base Rate +4.00 % 
CR7 & below 
Base Rate +4.50 % 
Tenor premium as stated above
 RATE OF INTEREST ON SME PRODUCTS WHERE SPECIFIC RATES OF INTEREST ARE PRESCRIBED :
In case of other SME products and Area specific schemes will be covered by respective circulars on the said products.
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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 
PreShipment 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 
PostShipment 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) 
PreShipment Credit 
7.00% above Base Rate 
(b) 
PostShipment 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 
PreShipment 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 
PostShipment 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 noncompliance 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 