Interest Rates & Charges

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Interest Rates & Charges

For Domestic & NRO Term Deposits [Per Annum] [Fresh & Renewal] [Callable] (ROI in %)
- Below Rs. One Crore

Tenors Below Rs 1 Cr. (w.e.f. 01.08.17)
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 6.30
271 days & above and less than 1 year 6.40
1 year 6.60
Above 1 year to 400 days 6.65
Above 400 days and upto 2 Years 6.50
Above 2 Years and upto 3 Years 6.50
Above 3 Years and upto 5 Years 6.50
Above 5 Years and upto 10 Years 6.50

For Domestic & NRO Term Deposits [Per Annum] [Fresh & Renewal] [Callable] (ROI in %)
- Rs. 1 Crore to Rs. 10 Crore

Tenors Rs 1 Cr to Rs 10 Cr. (w.e.f. 05.09.2017)
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 4.40
181 days to 270 days 4.50
271 days & above and less than 1 year 4.55
1 year 5.25
Above 1 year and upto 2 Years 5.25
Above 2 Years and upto 3 Years 5.25
Above 3 Years and upto 5 Years 5.25
Above 5 Years and upto 10 Years 5.25
Above 10 Years and upto 20 Years# 5.25

# Applicable only for Term Deposits booked under Court/ Govt. order, not applicable for general public

Interest Rates for Domestic Term Deposits & NRO Deposits of more than Rs 10 Crores & Up to Rs 50 Crores (Fresh & Renewal)

Maturity Range Amount of Deposit Per receipt
(w.e.f. 05.09.2017) (w.e.f. 05.09.2017)
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 4.40 4.40
181 days to 270 days 4.50 4.50
271 days & above and less than 1 year 4.55 4.55
1 year 5.25 5.25
Above 1 year and upto 2 Years 5.25 5.25
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 ** **
Above 10 Years and upto 20 Years# ** **

# Applicable only for Term Deposits booked under Court/ Govt. order, not applicable for general public

Interest Rates for Domestic Term Deposits & NRO Deposits of more than Rs 50 Crores & above Rs 100 Crores (Fresh & Renewal)

Tenors Amount of Deposit Per receipt
(w.e.f. 05.09.2017) (w.e.f. 05.09.2017)
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 4.40 4.40
181 days to 270 days 4.50 4.50
271 days & above and less than 1 year 4.75 4.75
1 year 5.25 5.60
Above 1 year and upto 2 Years 5.25 5.60
Above 2 Years and upto 3 Years 5.25 5.60
Above 3 Years and upto 5 Years 5.25 5.60
Above 5 Years and upto 10 Years ** **
Above 10 Years and upto 20 Years# ** **

# Applicable only for Term Deposits booked under Court/ Govt. order, not applicable for general public

Baroda Tax Savings Term Deposit (w.e.f. 01.08.17)

Tenors Deposit [Per Annum] less than Rs 1 Cr.
For 5 years 6.50
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

  • Capital Gain Accounts Scheme, 1988

    For all Deposits under Capital Gain Accounts Scheme, 1988, interest rate will be applicable as per normal time & period. It will also not be in order to offer higher/differential rate of interest on deposits received under the Capital Gains Accounts Scheme, 1988.

  • Domestic Term Deposits for Senior Citizens

    Branches may continue to pay an additional interest of 0.50% on domestic term deposits of less than Rs. 1.00 Crore from Senior Citizens for all tenors in terms of extant guidelines.

For Baroda Advantage Fixed Deposit (domestic) Accounts (Non Callable) (Fresh & Renewal) w.e.f. 01-08-2017

Tenors Below Rs 1 Cr.
1 year 6.70
Above 1 Years to 400 days 6.75
Above 400 days and upto 2 Years 6.60
Above 2 Years and upto 3 Years 6.60
Above 3 Years and upto 5 Years 6.60
Above 5 Years and upto 10 Years 6.60

For Baroda Advantage Fixed Deposit (domestic) Accounts (Non Callable) (Fresh & Renewal)

Tenors ROI for Deposits of Rs. 1 Cr. to Rs. 10 Cr. (w.e.f. 02.08.17)
1 year 5.30
Above 1 Years and upto 2 Years 5.30
Above 2 Years and upto 3 Years 5.30
Above 3 Years and upto 5 Years 5.30
Above 5 Years and upto 10 Years 5.30
Savings Bank Deposits Interest Rate (% p.a.) (w.e.f. 05.08.17)
Saving Deposits Balance upto Rs. 50/- Lakh. 3.50
Saving Deposits Balance above Rs. 50/- Lakh. 4.00

Foreign Currency Non-resident Deposit - Fcnr(B) - w.e.f. (01.09.17) The Rates Shall Be Effective Up To 30.09.17

Maturity Period USD GBP EUR YEN CAD AUD
1 Yr. to less than 2 yrs. 2.19
(2.20)
0.64
(0.65)
0.00
(0.00)
0.22
(0.24)
2.13
(2.12)
2.33
(2.31)
2 Yrs. to less than 3 yrs. 2.31
(2.35)
1.05
(1.10)
0.02
(0.05)
0.23
(0.26)
2.09
(2.15)
2.47
(2.42)
3 Yrs. to less than 4 yrs. 2.62
(2.70)
1.13
(1.19)
0.12
(0.18)
0.24
(0.27)
2.19
(2.28)
2.61
(2.56)
4 Yrs. to less than 5 yrs. 2.70
(2.81)
1.21
(1.30)
0.24
(0.33)
0.25
(0.29)
2.27
(2.39)
2.88
(2.82)
5 Years 2.79
(2.91)
1.29
(1.39)
0.37
(0.48)
0.27
(0.32)
2.34
(2.48)
2.99
(2.94)

* Figures 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. 01.08.17)

Tenors Below Rs.1.00 crore
1 year 6.60
Above 1 Years to 400 days 6.65
Above 400 days and upto 2 Years 6.50
Above 2 Years and upto 3 Years 6.50
Above 3 Years and upto 5 Years 6.50
Above 5 Years and upto 10 Years 6.50

NRE Term (Rupee) Deposits (w.e.f 02.08.2017)

Maturity Range Rs.1 crore to Rs. 10 crores
1 Year 5.25
> 1 yr. upto 2 yrs. 5.25
> 2 yrs. upto 3 yrs. 5.25
>3 years upto 10 years 5.25

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

Maturity Range Amount of Deposit Per receipt
w.e.f. 02.08.2017
Above Rs.10 cr. to Rs.25 cr. Above Rs.25 cr. to Rs.50 cr.
1 year 5.25 5.25
> 1 year up to 2 years 5.25 5.25
> 2 years up to 3 years 5.25 5.25

NRE Term Deposits of more than Rs. 50 crores (Fresh & Renewal)

Maturity Range Amount of Deposit Per receipt
w.e.f 02.08.2017 w.e.f 02.08.2017
Above Rs.50 cr. to Rs.100 cr. Above Rs.100 cr.
1 year 5.25 5.60
> 1 yr. upto 2 yrs. ** **
> 2 yrs. upto 3 yrs ** **
> 3 yrs. upto 10 yrs. ** **

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

  • 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.
  • 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)
  • 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.

You can see below links also

Marginal Cost of funds based Lending Rate (MCLR)

MCLR rate w.e.f from 07.09.2017

Sr. No. MCLR Benchmark MCLR in (%) w.e.f. 07.09.2017
1 Overnight MCLR 8.10
2 1 Month MCLR 8.15
3 3 Month MCLR 8.20
4 6 Month MCLR 8.30
5 1 year MCLR 8.35
6 3 year MCLR 8.50
7 5 year MCLR 8.65
Base Rate (per annum) w.e.f. 01.07.2017 9.50%

Our BPLR for all the existing accounts is 13.80% per annum w.e.f from 01.07.2017

Rate of interest for Mid/Large Corporate/ Non-regulatory/SME expanded advances linked to Base Rate w.e.f 01.04.2016

Rating Large and Mid Corporate Advances Non regulatory SME /SME Expanded Advances
CR-1 BR+1.50% BR+1.25%
CR-2 BR+1.60% BR+1.35%
CR-3 BR+2.10% BR+1.85%
CR-4 BR+2.65% BR+2.40%
CR-5 BR+3.50% BR+3.25%
CR-6 & Below BR+5.90% BR+5.70%

Rate of interest for Mid/Large Corporate/ Non-regulatory/SME expanded advances linked to MCLR w.e.f 01.04.2016

Rating Large and Mid Corporate Advances Non regulatory SME /SME Expanded Advances
CR-1 MCLR + STRATEGIC PREMIUM + 1.50% MCLR + STRATEGIC PREMIUM + 1.25%
CR-2 MCLR + STRATEGIC PREMIUM+1.60% MCLR + STRATEGIC PREMIUM+1.35%
CR-3 MCLR + STRATEGIC PREMIUM + 2.10% MCLR + STRATEGIC PREMIUM + 1.85%
CR-4 MCLR + STRATEGIC PREMIUM + 2.65% MCLR + STRATEGIC PREMIUM + 2.40%
CR-5 MCLR + STRATEGIC PREMIUM + 3.50% MCLR + STRATEGIC PREMIUM + 3.25%
CR-6 & Below MCLR + STRATEGIC PREMIUM + 5.90% MCLR + STRATEGIC PREMIUM + 5.70%

Rate of interest on Bill Discounted under LC for all categories

Sr. No. 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

Retail Loan

Rate of Interest for Retail Loans based on Marginal Cost of Funds Based Lending Rate (MCLR) w.e.f. 01.04.2016.

In terms of RBI guidelines, effective from 01.04.2016, pricing of all rupee loans and advances linked to Marginal Cost of Funds Based Lending Rate (MCLR).

Rate of Interest under all Retail Loans are linked to 1 year MCLR from 1st April, 2016.

Existing borrowers of the Bank shall have an option to switch over from Base Rate system to interest rates linked to MCLR (other than Fixed Rate Loans). Borrowers willing to switch over to the MCLR based interest rate may contact the respective branch.

Sr. No. Product Rate of Interest
1 Baroda Home Loan &
Baroda Home Improvement Loan
One year MCLR to One year MCLR +1.00% (As per Risk Rating of the applicant/s.)
Baroda Home Loan Advantage Upto Rs 75.00 Lacs : Normal Home Loan Rate Above Rs 75.00 Lacs: 0.25% over Normal Home Loan Rate
Baroda CRE Home Loan 0.25% over Normal Home Loan Rate
Baroda CRE Home Loan (Advantage) Upto Rs 75Lacs : 0.25% over Normal Home Loan Rate
Above Rs 75 Lacs : 0.50% over Normal Home Loan Rate
Baroda Additional Assured Advance (AAA) One year MCLR + Strategic Premium + 1.50%
2 Baroda Mortgage Loan From One year MCLR + Strategy Premium+1.75%
To One year MCLR+ Strategic Premium+3.50%
3 Baroda Ashray (Reverse Mortgage Loan) One year MCLR + Strategic Premium + 1.75%
4 Baroda Traders Loan
Traders Loan-Irrespective of loan limit / facility (OD / TL) From One year MCLR + Strategy Premium+1.50%
To One year MCLR+ Strategic Premium+2.50%
Traders Loan to Commission Agents (Arthias) One year MCLR + Strategy Premium+2.00%
5 Baroda Loan To Doctors Up to Rs 2.00 Lacs : One year MCLR + Strategic Premium + 3.00%
Above Rs 2.00 Lacs : One year MCLR + Strategic Premium + 2.50%
6 Baroda Vidya (For School Education from Nursery to XII) & Baroda Gyan (For Higher Studies in India) Up to Rs 7.50 Lacs : One year MCLR + Strategic Premium + 2.50%
Above Rs 7.50 Lacs : One year MCLR + Strategic Premium + 1.75%
Baroda Education Loan to Students of Premier Institutions
(For Studies in India)
For List-A Institutions
Upto Rs 15 Lacs : One year MCLR + Strategic Premium + 0.25%
Above Rs 15 Lacs: One year MCLR + Strategic Premium
For List-B Institutions
Upto Rs 7.50 Lacs : One year MCLR + Strategic Premium + 0.75%
Above Rs 7.50 Lacs: One year MCLR + Strategic Premium + 0.50%
For IIM Ahmadabad, Kolkata, Bangalore and XLRI Jamshedpur One year MCLR + Strategic Premium
Baroda Scholar
(For Studies abroad)
List A Institute and List B Institutes
One year MCLR+ Strategic Premium+ 1.00%
Other Institutes not specified in List A and List B
: One year MCLR+ Strategic Premium+ 2.50%
Baroda Career Development One year MCLR + Strategic Premium + 2.75%
Baroda Skill Loan Scheme One year MCLR + Strategic Premium + 1.50%
7 Baroda Auto Loan Car Loan: From One year MCLR + Strategic Premium + 0.25%
to
One year MCLR + Strategic Premium +2.00% (As per Risk Rating of the applicant/s.) Car Loan to Corporate: One year MCLR + Strategic Premium + 0.25% Two Wheeler Loan: One year MCLR + Strategic Premium + 4.00%
8 Baroda Advance Against Securities
Against NSC / KVP Loan One year MCLR + Strategic Premium + 3.50%
or 0.50% over NSC / KVP rate, whichever is higher
Overdraft One year MCLR + Strategic Premium + 4.00%
or 0.75% over NSC / KVP, whichever is higher
Against Life Insurance Policy / Relief Bonds Loan One year MCLR + Strategic Premium + 3.50%
Overdraft One year MCLR + Strategic Premium + 4.00%
Advance Against Gold Ornament / Jewellery/Gold Coins One year MCLR + Strategic Premium + 3.00%
9 Baroda Personal Loan
Baroda Personal Loan One year MCLR + Strategic Premium + 4.50%
Baroda Premium Personal Loan Category A: MCLR + Strategic Premium + 3.00%
Category B: MCLR + Strategic Premium + 4.00%
Loan for Earnest Money Deposit One year MCLR + 3.25%
Baroda Home Loan Suraksha Personal Loan As applicable to Home Loan account for which funding of Insurance Premium amount
10 Baroda Loan To Pensioners One year MCLR + Strategic Premium + 2.00% For Retired Bank of Baroda/ their Family pensioners:
One year MCLR + Strategic Premium
11 Baroda Loan for Subscription to Public Issue/IPO One year MCLR + Strategic Premium + 3.75%
12 Loan/OD Against Banks Own Deposits (LABOD/ODBOD)
For Public/ Senior Citizen/Staff (against Resident Deposits) 1.00% over Interest Rate on Fixed Deposit
Advance Against the securities of third party FDRs
(against Resident Deposits)-
1.00% over Deposit rate
or One year MCLR + Strategic Premium + 0.25% whichever is higher.
13 Baroda Loan Against future Rent Receivables For Landlords of BOB Branch Premises
One Year MCLR+ Strategic Premium+1.25%
For others
One Year MCLR+ Strategic Premium+3.25%

Rate of Interest for Retail Loans linked to Base Rate

Base Rate (per annum) w.e.f. 01.07.2016 9.60%
Baroda Home Loan to Individuals / NRIs / PIOs

Baroda Home Improvement Loan

  • Base Rate + 2.50%

Baroda Additional Assured Advance (AAA) (Resident / NRIs / PIOs)

  • Base Rate + 1.50%

Baroda Auto Loan

Baroda Car Loan/ Baroda Car Loan to HNIs / Corporate
Repayment period upto 5 years Base Rate + 0.25% (irrespective of tenure)
Repayment period > 5 years

Baroda Loan for Two Wheelers

  • Base Rate + 4.00%

Baroda Mortgage Loan

  • 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 + 2.00%

Traders Loan Against security of Gold ornaments / Jewellery

  • Base Rate + 2.00%

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 to students of Premier Institutions
(No special concession for girl students under this scheme.)
For List-A Institutions
Upto Rs.15.00 Lacs : Base Rate + 0.25%
Above Rs.15.00 Lacs : Base Rate .

For List-B Institutions
Upto Rs.7.50 Lacs : Base Rate + 0.75%
Above Rs.7.50 Lacs: Base Rate + 0.50%
Baroda Skill Loan Base Rate + 1.50%

No special concession for girl students under this scheme.

**0.50% concession in ROI to Education Loans sanctioned for the benefit of girl student.

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

Priority Sector

The summarized position of realigned rate of interest on Agriculture and other Priority Sector Advances having limits less than Rs.25.00 Lacs is as under

Sr. No. Parameters Limit upto Rs.3.00 Lacs Limit above Rs.3.00 Lacs and less than Rs.25.00 Lacs
(A) Farm Credit Crop Loan: 7.00% p.a. (fixed),
subject to Govt. of India providing Interest Subvention to Bank on such advances, otherwise applicable rate of interest on such advances shall be One year MCLR+ Strategic premium
Other than Crop Loan: One year
MCLR+ Strategic premium
One year MCLR+ Strategic premium+1.25%
(B) Agriculture Infrastructure & Agriculture Ancillary (*) One year MCLR+ Strategic premium+ 0.50% One Year MCLR+ Strategic premium+1.50%
(C) Other Priority Sector Advances (**) One year MCLR+ Strategic premium+ 0.50% One Year MCLR+ Strategic premium+1.50%

(*) Except for Food & Agro processing units and other special categories of borrowers/ activities/ purposes, for which separate ROI has been stipulated.

(**) Priority Sector Advances other than Agriculture, Retail & SME Advances and other special categories of borrowers/ activities/ purposes, for which separate ROI has been stipulated.

Interest Rate on Agriculture & Other Priority Sector Advances

Sr. No. Parameters
(A) Farm Credit (As defined by RBI vide their Master circular dated 01.07.2015 on Priority Sector Classification, except for Food & Agro processing units and other special categories of borrowers/activities/ purposes, for which separate ROI has been stipulated)::
A.1. Production Credit (Crop Loan) & Investment Credit
A.1.1 Limit upto Rs.3 lacs Crop Loan: 7.00% p.a. (fixed), subject to
Govt. of India providing Interest Subvention to Bank on such advances, otherwise applicable rate of interest on such advances shall be One year MCLR+ Strategic premium
Other than Crop Loan: One year MCLR+ Strategic premium
A.1.2 Limit above Rs.3 lacs and less than Rs.25 lacs One year MCLR+ Strategic premium+1.25%
A.1.3 Limit Rs.25 lacs and above (*) As per the details given below:
A.1.3.1 For CC/OD & DL of Loan
period less than -3- years
One year MCLR+ Strategic premium+2.00%
A.1.3.2 For Loan period -3- years and above: As per the details given below:
  Loan period Rate of Interest
A.1.3.2.1 3 years & above and upto 5
years
One year MCLR+ Strategic premium+2.10%
A.1.3.2.2 Above 5 years and upto 7 years One year MCLR+ Strategic premium+2.15%
A.1.3.2.3 Above 7 years and upto 10 years Five year MCLR+ Strategic premium+1.85%
A.1.3.2.4 Above 10 years Five year MCLR+ Strategic premium+2.65%
(*) ROI applicable upto maximum aggregate limit of Rs.2 Crores per borrower to corporate farmers, farmers’ producer organizations/companies of individual farmers, partnership firms and co-operatives of farmers directly engaged in Agriculture and Allied Activities, viz. dairy, fishery, animal husbandry, poultry, bee-keeping and sericulture
(B) Advances for Agriculture Infrastructure & Agriculture Ancillary activities
(As defined by RBI vide their Master circular dated 01.07.2015 on Priority Sector Classification, except for Food & Agro processing units and other special categories of borrowers/activities/ purposes, for which separate ROI has been stipulated):
B.1 Loan upto Rs.3 lacs One year MCLR+ Strategic premium+0.50%
B.2 Limit above Rs.3 lacs and less
than Rs.25 lacs
One Year MCLR+ Strategic premium+1.50%
B.3 Limit Rs.25 lacs and above As per the details given below:
B.3.1 For CC/OD & DL of Loan period less than -3- years
  Credit Rating Rate of Interest
CR 1 One Year MCLR+ Strategic premium+1.50%
CR 2 One Year MCLR+ Strategic premium+1.75%
CR 3 One Year MCLR+ Strategic premium+2.00%
CR 4 One Year MCLR+ Strategic premium+2.50%
CR 5 One Year MCLR+ Strategic premium+2.75%
CR 6,7,8,9 & 10 One Year MCLR+ Strategic premium+3.25%
B.3.2 For TL having Loan period -3- years and above
  Credit Rating Loan Period Rate of Interest
B.3.2.1 CR1 3 years & above and upto 5 years One Year MCLR+ Strategic premium+1.60%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+1.65%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+1.35%
Above 10 years Five Year MCLR+ Strategic premium+2.15%
B.3.2.2 CR2 3 years & above and upto 5 years One Year MCLR+ Strategic premium+1.85%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+1.90%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+1.60%
Above 10 years Five Year MCLR+ Strategic premium+2.40%
B.3.2.3 CR3 3 years & above and upto 5 years One Year MCLR+ Strategic premium+2.10%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+2.15%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+1.85%
Above 10 years Five Year MCLR+ Strategic premium+2.65%
B.3.2.4 CR4 3 years & above and upto 5 years One Year MCLR+ Strategic premium+2.60%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+2.65%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+2.35%
Above 10 years Five Year MCLR+ Strategic premium+3.15%
B.3.2.5 CR5 3 years & above and upto 5 years One Year MCLR+ Strategic premium+2.85%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+2.90%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+2.60%
Above 10 years Five Year MCLR+ Strategic premium+3.40%
B.3.2.6 CR 6,7,8,9 & 10 3 years & above and upto 5 years One Year MCLR+ Strategic premium+3.35%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+3.40%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+3.10%
Above 10 years Five Year MCLR+ Strategic premium+3.90%
(C) ROI on Other Priority Sector Advances including Social Infrastructure &
Renewable Energy (i.e. for Priority Sector Advances other than Agriculture, Retail & SME Advances and which are defined by RBI vide their Master circular dated 01.07.2015 on Priority Sector Classification, except for Food & Agro processing units and other special categories of borrowers/activities/ purposes, for which separate ROI has been stipulated):
C.1 Loan upto Rs.3 lacs One year MCLR+ Strategic premium+0.50%
C.2 Limit above Rs.3 lacs and less than Rs.25 lacs One Year MCLR+ Strategic premium+1.50%
C.3 Limit Rs.25 lacs and above As per the details given below:
C.3.1 For CC/OD & DL of Loan period less than -3- years
  Credit Rating Rate of Interest
CR 1 One Year MCLR+ Strategic premium+1.90%
CR 2 & CR 3 One Year MCLR+ Strategic premium+2.25%
CR 4 One Year MCLR+ Strategic premium+2.75%
CR 5 One Year MCLR+ Strategic premium+3.00%
CR 6,7,8,9 & 10 One Year MCLR+ Strategic premium+3.50%
C.3.2 For TL having Loan period -3- years and above
  Credit Rating Loan Period Rate of Interest
C.3.2.1 CR1 3 years & above and upto 5 years One Year MCLR+ Strategic premium+2.00%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+2.05%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+1.75%
Above 10 years Five Year MCLR+Strategic premium+2.55%
C.3.2.2 CR2 & CR3 3 years & above and upto 5 years One Year MCLR+Strategic premium+2.35%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+2.40%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+2.10%
Above 10 years Five Year MCLR+ Strategic premium+2.90%
C.3.2.3 CR4 3 years & above and upto 5 years One Year MCLR+Strategic premium+2.85%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+2.90%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+2.60%
Above 10 years Five Year MCLR+Strategic premium+3.40%
C.3.2.4 CR5 3 years & above and upto 5 years One Year MCLR+Strategic premium+3.10%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+3.15%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+2.85%
Above 10 years Five Year MCLR+Strategic premium+3.65%
C.3.2.5 CR 6,7,8,9& 10 3 years & above and upto 5 years One Year MCLR+Strategic premium+3.60%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+3.65%
Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+3.35%
Above 10 years Five Year MCLR+Strategic premium+4.15%
(D) Advances to Special categories of borrowers/activities/ purposes:
  Parameter Applicable Interest Rate
D.1 Finance to PACS/ FSS/ LAMPS
for on lending to Farmers, irrespective of the loan
limit/purpose
7.00% p.a. (fixed), subject to Govt. of India providing Interest Subvention to bank on
such advances, otherwise applicable rate of interest on such advances shall be One
Year MCLR+ Strategic Premium+0.50%
D.2 Finance to SHGs/ JLGs As per the details given below:
D.2.1 Loan upto Rs.3 Lacs As applicable to Agriculture/Other Priority Sector Advances, as the case may be
D.2.2 Limit above Rs.3 lacs and less than Rs.25 lacs One Year MCLR+ Strategic premium+1.00%
D.2.3 Limit Rs.25 lacs and above As per the details given below:
D.2.3.1 For CC/OD & DL of Loan period less than -3- years One Year MCLR+ Strategic premium+1.00%
D.2.3.2 For TL having Loan period -3- years and above
  Loan Period Rate of Interest
D.2.3.2.1 3 years & above and upto 5 years One Year MCLR+ Strategic premium+1.10%
D.2.3.2.2 Above 5 years and upto 7 years One Year MCLR+ Strategic premium+1.15%
D.2.3.2.3 Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+0.85%
D.2.3.2.4 Above 10 years Five Year MCLR+ Strategic premium+1.65%
D.3 Advances for construction of Godowns designed to store Agriculture produce/ products
D.3.1 Limit less than Rs.25 lacs One Year MCLR+ Strategic premium+0.50%
D.3.2 Limit Rs.25 lacs and above As per the details given below:
D.3.2.1 Less than 3 years One Year MCLR+ Strategic premium+0.50%
D.3.2.2 3 years & above and upto 5 years One Year MCLR+ Strategic premium+0.60%
D.3.2.3 Above 5 years and upto 7 years One Year MCLR+ Strategic premium+0.65%
D.3.2.4 Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+0.35%
D.3.2.5 Above 10 years Five Year MCLR+ Strategic premium+1.15%
D.4 Advances against Ware house
Receipts to Farmers upto Rs.50 lacs (@)
One Year MCLR+ Strategic premium+1.00% (inclusive of collateral management charges, being charged by Collateral Managers, wherever applicable)
D.5 Advances against Ware house
Receipts to other than Farmers (limit upto Rs.5.00 Crores) (under Priority Sector) @
One Year MCLR+ Strategic premium+1.00%
(inclusive of collateral management charges, being charged by Collateral Managers, wherever applicable)
(@) No further concession is to be allowed)
D.6 Loans to Farmers for purchase of
Four Wheeler
Rate of interest applicable for Baroda Car
Loan minus 0.25%, subject to minimum ROI
at Effective MCLR (MCLR+ Strategic premium)
D.7 Financing construction of Farm House cum Dwelling units to Farmers Rate of Interest applicable for Housing Loan Scheme of our Bank
D.8 Advances for Poultry Units
D.8.1 Limit less than Rs.25 lacs One Year MCLR+ Strategic premium+1.00%
D.8.2 Limit Rs.25 lacs and above As per the details given below:
D.8.2.1 For CC/OD & DL of Loan period less than 3 years One Year MCLR+ Strategic premium+1.00%
D.8.2.2 For TL having Loan period -3- years and above
  Loan Period Loan Period
D.8.2.2.1 3 years & above and upto 5 years One Year MCLR+ Strategic premium+1.10%
D.8.2.2.2 Above 5 years and upto 7 years One Year MCLR+ Strategic premium+1.15%
D.8.2.2.3 Above 7 years and upto 10 years Five Year MCLR+ Strategic premium+0.85%
D.8.2.2.4 Above 10 years Five Year MCLR+ Strategic premium+1.65%
D.9 Advances for construction and running of cold storage units/ /cold storage chains designed to store agriculture produce/products, upto an aggregate sanctioned limit of Rs.100 Crores per borrower from the banking system
D.9.1 Loan upto Rs.3 lacs One Year MCLR+ Strategic premium+0.50%
D.9.2 Limit above Rs.3 lacs and less than Rs.25 lacs One Year MCLR+ Strategic premium+1.50%
D.9.3 Limit Rs.25 lacs and above As per the details given below:
D.9.3.1 For CC/OD & DL of Loan period less than 3 years
  Credit Rating Rate of Interest
  CR 1,2,3,4 & 5 One Year MCLR+ Strategic premium+1.25%
  CR 6,7,8,9 & 10 One Year MCLR+ Strategic premium+2.00%
D.9.3.2 For TL having Loan period -3- years and above
  Credit Rating Loan Period Rate of Interest
D.9.3.2.1 CR 1,2,3, 4 & 5 3 years & above and upto 5 years One Year MCLR+Strategic premium+1.35%
Above 5 years and upto 7 years One Year MCLR+ Strategic premium+ 1.40%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+1.10%
Above 10 years Five Year MCLR+Strategic premium+1.90%
D.9.3.2.2 CR 6,7, 8,9 &10 3 years & above and upto 5 years One Year MCLR+ Strategic premium+ 2.10%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+2.15%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+1.85%
Above 10 years Five Year MCLR+ Strategic premium+2.65%
D.10 Advances to NBFC-MFIs, which are engaged in on-lending to individuals/groups under Priority Sector
D.10.1 Loan upto Rs.3 lacs One Year MCLR+ Strategic premium+0.50%
D.10.2 Limit above Rs.3 lacs and less than Rs.25 lacs One Year MCLR+ Strategic premium+1.50%
D.10.3 Limit Rs.25 lacs and above As per the details given below:
D.10.3.1 For CC/OD & DL of Loan period less than 3 years
  Credit Rating Rate of Interest
CR 1 One Year MCLR+ Strategic premium+2.50%
CR 2 One Year MCLR+ Strategic premium+2.75%
CR 3 One Year MCLR+ Strategic premium+3.00%
CR 4 One Year MCLR+ Strategic premium+3.50%
CR 5 One Year MCLR+ Strategic premium+3.75%
CR 6,7,8,9 & 10 One Year MCLR+ Strategic premium+4.25%
D.10.3.2 For TL having Loan period -3- years and above
  Credit Rating Loan Period Rate of Interest
D.10.3.2.1 CR 1 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 2.60%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 2.65%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 2.35%
Above 10 years Five Year MCLR+Strategic premium+ 3.15%
D.10.3.2.2 CR 2 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 2.85%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 2.90%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 2.60%
Above 10 years Five Year MCLR+Strategic premium+ 3.40%
D.10.3.2.3 CR 3 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 3.10%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 3.15%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 2.85%
Above 10 years Five Year MCLR+Strategic premium+ 3.65%
D.10.3.2.4 CR 4 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 3.60%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 3.65%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 3.35%
Above 10 years Five Year MCLR+Strategic premium+ 4.15%
D.10.3.2.5 CR 5 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 3.85%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 3.90%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 3.60%
Above 10 years Five Year MCLR+Strategic premium+ 4.40%
D.10.3.2.6 CR 6,7,8,9& 10 3 years & above and upto 5 years One Year MCLR+Strategic premium+ 4.35%
Above 5 years and upto 7 years One Year MCLR+Strategic premium+ 4.40%
Above 7 years and upto 10 years Five Year MCLR+Strategic premium+ 4.10%
Above 10 years Five Year MCLR+Strategic premium+ 4.90%
D.11 Advances under the Scheme for financing Mini Dairy units:
D.11.1 Loan upto Rs.3.00 Lacs One year MCLR+ Strategic premium
D.11.2 Limit above Rs.3.00 Lacs and upto Rs.6.00 Lacs One year MCLR+ Strategic premium+0.25%

MSME Interest Rates w.e.f. 01.04.2016

For Limits below Rs.25.00 Lacs (Regulatory)

Limits Micro Small Medium
Up to Rs. 50000/- MCLR+SP (MCLR+SP)+0.50% (MCLR+SP)+1.20%
Above Rs. 50000/-to 2.00 lacs (MCLR+SP)+0.50% (MCLR+SP)+0.70% (MCLR+SP)+1.20%
Above Rs.2.00 Lacs to Rs.10.00 Lacs (MCLR+SP)+0.70% (MCLR+SP)+0.85% (MCLR+SP)+1.20%
Above Rs. 10.00 lacs to less than Rs. 25.00 lacs (MCLR+SP)+0.85% (MCLR+SP)+1.00% (MCLR+SP)+1.20%

For limits RS. 25.00 lacs and above (Regulatory)

Limits Micro Small Medium
CR1 (MCLR +SP)+1.00 (MCLR +SP)+1.10 (MCLR+SP)+1.20
CR2 (MCLR +SP)+1.10 (MCLR +SP)+1.20 (MCLR+SP)+1.30
CR3 (MCLR +SP)+1.60 (MCLR +SP)+1.70 (MCLR+SP)+1.80
CR4 (MCLR +SP)+2.15 (MCLR +SP)+2.25 (MCLR+SP)+2.35
CR5 (MCLR +SP)+2.70 (MCLR +SP)+3.00 (MCLR+SP)+3.15
CR6 &below (MCLR +SP)+4.95 (MCLR +SP)+5.20 (MCLR+SP)+5.45

For limits of RS. 25.00 lacs and above (NON REGULATORY/SME EXPANDED)

Limits Interest Rates
CR1 (MCLR +SP) +1.25
CR2 (MCLR +SP) +1.35
CR3 (MCLR +SP) +1.85
CR4 (MCLR +SP) +2.40
CR5 (MCLR +SP) +3.25
CR6 & below (MCLR +SP) +5.70

Annexure-II - Interest Rates on SME Products

Sr. No. Name of the Product Rate of Interest
1
  • SME Short Term Loan
  • SME Medium Term Loan
  • Baroda General Credit Card
  • Baroda Laghu Udhyami Credit Card
  • Baroda Artisans Credit Card
  • Baroda Weavers Credit Card
  • Baroda SME Loan Pack
  • Baroda SME Gold Card
  • MSME Capex Loan and Capex Card
  • Scheme for financing small road transport operators
No product specific interest rates. As per the general interest rates applicable to MSME Regulatory and SME Expanded categories.
2 Baroda Overdraft against Land & Building Micro Enterprises - (MCLR+SP)+ 1.75%
Small Enterprises - (MCLR+SP)+ 2.00%.
Medium Enterprises - (MCLR+SP)+ 2.25%.
SME Expanded - (MCLR+SP)+ 3.00%.

Credit Rating
Rating is mandatory under BOBRAM model and Rate of interest applicable is as above or as per credit rating whichever is lower.

3 Baroda Vidyasthali Loan

Rate of interest as under or as per credit rating whichever is lower.

Up to Rs.5.00 Crores (MCLR+SP) + 0.75%
Above Rs.5.00 Crores & up to Rs.10.00 Crores (MCLR+SP) + 1.25%
Above Rs.10.00 Crores & up to Rs.15.00 Crores (MCLR+SP) + 2.00%
4 Baroda Arogyadham Loan
Up to Rs.3.00 Crores (MCLR+SP) + 1.35%
Above Rs.3.00 Crores & up to Rs.10.00 Crores (MCLR+SP) + 1.75%
Above Rs.10.00 Crores & up to Rs.15.00 Crores (MCLR+SP) + 2.75%

Credit Rating
Rating is mandatory under BOBRAM model and Rate of interest applicable is as above or as per credit rating whichever is lower.

5 Baroda Professionals Above Rs.10.00 Lacs to less than Rs.25.00 Lacs
Micro & Small Enterprise— As per standard applicable rates

Rs.25.00 Lacs & above up to & inclusive of Rs.5.00 Crores

Sector Rate of Interest
Micro Enterprises (MCLR+SP) + 1.35%
Small Enterprises (MCLR+SP) + 1.50%
Medium Enterprises (MCLR+SP) + 1.75%

Credit Rating
Rating is mandatory under BOBRAM model and Rate of interest applicable is as above or as per credit rating whichever is lower.

6 Scheme for financing existing borrowers under SME Segment for purchase of new vehicles. (MCLR+SP) +1.50%

Credit Rating
Rating is mandatory under BOBRAM model and Rate of interest applicable is as above or as per credit rating whichever is lower.

7 Scheme for financing Textile units (Pan India Scheme)
(BCC/BR/107/545 dt 06.11.2015)

(Micro, Small & Medium Enterprises)
(MCLR+SP) + 1.50% or as per credit rating whichever is lower, subject to minimum obligor rating of BOB-6 and above.

For SMEs as per expanded definition.
(MCLR+SP) + 2.00% or as per credit rating whichever is lower subject to minimum obligor rating of BOB-6 and above.

8 Scheme for financing Road Transport Operators for
Purchase of New Commercial vehicles. (BCC/BR/106/401 dt 13.10.2014)

Up to Rs. 25/- lacs :
No Product specific interest rate and the products are governed by the standard rates (linked to MCLR+SP) applicable to MSME segment based on their classification (i.e.) Micro, Small, Medium and SME Expanded

Rs.25/- lacs & above up to Rs. 100/- lacs
(MCLR+SP) +2.00% p.a.at present or Rate of Interest as per credit rating whichever is lower with monthly rests, irrespective of the sector whether Micro or Small Enterprises

For Domestic & NRO Term Deposits [Per Annum] [Fresh & Renewal] [Callable] (ROI in %)
- Below Rs. One Crore

Tenors Below Rs 1 Cr. (w.e.f. 01.08.17)
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 6.30
271 days & above and less than 1 year 6.40
1 year 6.60
Above 1 year to 400 days 6.65
Above 400 days and upto 2 Years 6.50
Above 2 Years and upto 3 Years 6.50
Above 3 Years and upto 5 Years 6.50
Above 5 Years and upto 10 Years 6.50

For Domestic & NRO Term Deposits [Per Annum] [Fresh & Renewal] [Callable] (ROI in %)
- Rs. 1 Crore to Rs. 10 Crore

Tenors Rs 1 Cr to Rs 10 Cr. (w.e.f. 02.08.2017)
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 5.25
Above 1 year and upto 2 Years 5.25
Above 2 Years and upto 3 Years 5.25
Above 3 Years and upto 5 Years 5.25
Above 5 Years and upto 10 Years 5.25
Above 10 Years and upto 20 Years# 5.25

# Applicable only for Term Deposits booked under Court/ Govt. order, not applicable for general public

Interest Rates for Domestic Term Deposits & NRO Deposits of more than Rs 10 Crores & Up to Rs 50 Crores (Fresh & Renewal)

Maturity Range Amount of Deposit Per receipt
(w.e.f. 02.08.2017) (w.e.f. 02.08.2017)
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 5.25 5.25
Above 1 year and upto 2 Years 5.25 5.25
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 ** **
Above 10 Years and upto 20 Years# ** **

# Applicable only for Term Deposits booked under Court/ Govt. order, not applicable for general public

Interest Rates for Domestic Term Deposits & NRO Deposits of more than Rs 50 Crores & above Rs 100 Crores (Fresh & Renewal)

Tenors Amount of Deposit Per receipt
(w.e.f. 02.08.2017) (w.e.f. 02.08.2017)
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 4.00 4.00
181 days to 270 days 4.00 4.00
271 days & above and less than 1 year 4.75 4.75
1 year 5.25 5.60
Above 1 year and upto 2 Years 5.25 5.60
Above 2 Years and upto 3 Years 5.25 5.60
Above 3 Years and upto 5 Years 5.25 5.60
Above 5 Years and upto 10 Years ** **
Above 10 Years and upto 20 Years# ** **

# Applicable only for Term Deposits booked under Court/ Govt. order, not applicable for general public

Baroda Tax Savings Term Deposit (w.e.f. 01.08.17)

Tenors Deposit [Per Annum] less than Rs 1 Cr.
For 5 years 6.50
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

  • Capital Gain Accounts Scheme, 1988

    For all Deposits under Capital Gain Accounts Scheme, 1988, interest rate will be applicable as per normal time & period. It will also not be in order to offer higher/differential rate of interest on deposits received under the Capital Gains Accounts Scheme, 1988.

  • Domestic Term Deposits for Senior Citizens

    Branches may continue to pay an additional interest of 0.50% on domestic term deposits of less than Rs. 1.00 Crore from Senior Citizens for all tenors in terms of extant guidelines.

For Baroda Advantage Fixed Deposit (domestic) Accounts (Non Callable) (Fresh & Renewal) w.e.f. 01-08-2017

Tenors Below Rs 1 Cr.
1 year 6.70
Above 1 Years to 400 days 6.75
Above 400 days and upto 2 Years 6.60
Above 2 Years and upto 3 Years 6.60
Above 3 Years and upto 5 Years 6.60
Above 5 Years and upto 10 Years 6.60

Foreign Currency Non-resident Deposit - Fcnr(B) - w.e.f. (01.08.17) The Rates Shall Be Effective Up To 31.08.17

Maturity Period Rate of Interest
USD GBP EUR YEN CAD AUD
1 Year to less than 2 years 2.20
(2.18)
0.65
(0.71)
0.00
(0.00)
0.24
(0.25)
2.12
(1.78)
2.31
(2.32)
2 years to less than 3 years 2.35
(2.34)
1.10
(1.19)
0.05
(0.07)
0.26
(0.26)
2.15
(1.90)
2.42
(2.46)
3 years to less than 4 years 2.70
(2.71)
1.19
(1.29)
0.18
(0.19)
0.27
(0.27)
2.28
(2.03)
2.56
(2.62)
4 Years to less than 5 years 2.81
(2.81)
1.30
(1.39)
0.33
(0.33)
0.29
(0.29)
2.39
(2.13)
2.82
(2.88)
5 years 2.91
(2.91)
1.39
(1.48)
0.48
(0.47)
0.32
(0.31)
2.48
(2.22)
2.94
(3.01)

* Figures 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]

Maturity Range Below 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 02.08.2017)

Maturity Range 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. 04.07.2017
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
Above Rs.50 cr. to Rs.100 cr. Above Rs.100 cr.
(w.e.f 04.07.2017) (w.e.f 22.06.2017) (w.e.f 04.07.2017) (w.e.f 22.06.2017)
1 year 4.25 4.75 4.25 4.75
> 1 yr. upto 2 yrs. **** **** **** ****
> 2 yrs. upto 3 yrs **** **** **** ****
> 3 yrs. upto 10 yrs. **** **** **** ****
Savings Bank Deposits Interest Rate (% p.a.) (w.e.f 05.08.2017)
Saving Deposits Balance upto Rs. 50/- Lakh. 3.50
Saving Deposits Balance above Rs. 50/- Lakh. 4.00

Note :

  • Senior Citizens and staff are not eligible for additional rate of interest on any type of non-resident deposits.
  • The revised rates are applicable for fresh deposits and renewal of old deposits.
  • For Deposit of above Rs. 10 Crores customers are requested to contact our nearby branch.
  • As per RBI Directives with effect from 17th July 2003, the NRE Deposits are to be accepted for a minimum period of 1 year
  • NRE (Rupee) Fixed Deposits: No interest will be payable for deposits that have remained with the bank for less than twelve months.
  • FCNR Deposits: No Interest is paid if premature payment before one year.
  • NRO FD/SB: 30.90% Withholding tax plus applicable surcharge/cess is applicable in NRO FD/SB accounts where DTAA is not applicable or the NRI depositor is not in a position to provide required documents/formalities for availing rebate in withholding tax. Surcharge is applicable @2.5% of TDS/Tax amount to Foreign Company if the Company has net income exceeding Rs.1/-crore.
  • Rates quoted are subject to change without notice.

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