6/12/2017 BankofBarodaIndia'sInternationalBankInterestRates

Iwanttoknowabout
InterestRates

PERSONAL CLICKFORINTERESTRATESONDEPOSITS
InterestRatesonAdvances
BUSINESS

CORPORATE
|
MID/LARGECORPORATE RETAILLOAN |PRIORITYSECTOR|SME|EXPORTCREDIT|APRCALCULATOR
INTERNATIONAL
MCLR
TREASURY
MCLRratew.e.ffrom07.06.2017
RURAL
BRANCHLOCATOR MCLRin(%)

CALCULATORS Sr.No. MCLRBenchmark

w.e.f.07.06.2017
APPLICATIONFORMS
BOBCARDS
1 OvernightMCLR 8.10
IMPORTANTLINKS

2 1MonthMCLR 8.15

3 3MonthMCLR 8.20

4 6MonthMCLR 8.30

5 1yearMCLR 8.35

6 3yearMCLR 8.50

7 5yearMCLR 8.65

BaseRate(perannum)w.e.f.01.07.2016 9.60%
OurBPLRforalltheexistingaccountsis13.90%perannumw.e.ffrom05.10.2015

RATEOFINTERESTFORMID/LARGECORPORATE/NONREGULATORY/SMEEXPANDEDADVANCESLINKEDTO
BASERATEW.E.F01.04.2016

NonregulatorySME/SMEExpanded
Rating LargeandMidCorporateAdvances
Advances

CR1 BR+1.50% BR+1.25%

CR2 BR+1.60% BR+1.35%

CR3 BR+2.10% BR+1.85%

CR4 BR+2.65% BR+2.40%

CR5 BR+3.50% BR+3.25%

CR6&Below BR+5.90% BR+5.70%

RATEOFINTERESTFORMID/LARGECORPORATE/NONREGULATORY/SMEEXPANDEDADVANCESLINKEDTO
MCLRW.E.F01.04.2016

NonregulatorySME/SMEExpanded
Rating LargeandMidCorporateAdvances
Advances

CR1 MCLR+STRATEGICPREMIUM+1.50% MCLR+STRATEGICPREMIUM+1.25%

CR2 MCLR+STRATEGICPREMIUM+1.60% MCLR+STRATEGICPREMIUM+1.35%

CR3 MCLR+STRATEGICPREMIUM+2.10% MCLR+STRATEGICPREMIUM+1.85%

CR4 MCLR+STRATEGICPREMIUM+2.65% MCLR+STRATEGICPREMIUM+2.40%

CR5 MCLR+STRATEGICPREMIUM+3.50% MCLR+STRATEGICPREMIUM+3.25%

CR6&Below MCLR+STRATEGICPREMIUM+5.90% MCLR+STRATEGICPREMIUM+5.70%

RateofinterestonBillDiscountedunderLCforallcategories
Rateofinterest
Particulars

1.WhenBillsDiscountedareunderLetterofCreditofourBank/otherprimeBanks
a.Havingcontractualmaturityfrom1to90days. 0.50%aboveBaseRate
b.Havingcontractualmaturityfrom91to180days. 0.75%aboveBaseRate
c.Havingcontractualmaturitymorethan180days
4.00%aboveBaseRate
upto1year(OurBank'sLC)
d.Havingcontractualmaturitymorethan180days
4.50%aboveBaseRate
upto1year(OtherBank'sLC)

RateofInterestforRetailLoansbasedon RateofInterestforRetailLoanslinkedtoBase

MarginalCostofFundsBasedLendingRate Rate
(MCLR)w.e.f.01.04.2016.

RATEOFINTERESTFORRETAILLOANSBASEDONMARGINALCOSTOFFUNDSBASEDLENDING
RATE(MCLR)W.E.F.01.04.2016.

IntermsofRBIguidelines,effectivefrom01.04.2016,pricingofallrupeeloansandadvanceslinkedtoMarginalCost
ofFundsBasedLendingRate(MCLR).

RateofInterestunderallRetailLoansarelinkedto1yearMCLRfrom1stApril,2016.

ExistingborrowersoftheBankshallhaveanoptiontoswitchoverfromBaseRatesystemtointerestrateslinkedto
MCLR(otherthanFixedRateLoans).BorrowerswillingtoswitchovertotheMCLRbasedinterestratemaycontact
therespectivebranch.

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6/12/2017 BankofBarodaIndia'sInternationalBankInterestRates
Product RateofInterest

1. OneyearMCLRtoOneyearMCLR
BARODAHOMELOAN& +1.00%
BARODAHOMEIMPROVEMENTLOAN
(AsperRiskRatingoftheapplicant/s.)

UptoRs75.00Lacs:NormalHomeLoan
BarodaHomeLoanAdvantage RateAboveRs75.00Lacs:0.25%over
NormalHomeLoanRate

BarodaCREHomeLoan 0.25%overNormalHomeLoanRate

UptoRs75Lacs:0.25%overNormal
HomeLoanRate
BarodaCREHomeLoan(Advantage)
AboveRs75Lacs:0.50%overNormal
HomeLoanRate

OneyearMCLR+StrategicPremium+
BarodaAdditionalAssuredAdvance(AAA)
1.50%

2. FromOneyearMCLR+Strategy
Premium+1.75%
BARODAMORTGAGELOAN
ToOneyearMCLR+Strategic
Premium+3.50%

3. BARODAASHRAY(REVERSEMORTGAGE OneyearMCLR+StrategicPremium+
LOAN) 1.75%

4. BARODATRADERSLOAN:

FromOneyearMCLR+Strategy
TradersLoanIrrespectiveofloanlimit/ Premium+1.50%
facility(OD/TL) ToOneyearMCLR+Strategic
Premium+2.50%

TradersLoantoCommissionAgents OneyearMCLR+Strategy
(Arthias) Premium+2.00%

5. UptoRs2.00Lacs:OneyearMCLR+
StrategicPremium+3.00%
BARODALOANTODOCTORS
AboveRs2.00Lacs:OneyearMCLR+
StrategicPremium+2.50%

6. UptoRs7.50Lacs:OneyearMCLR+
BarodaVidya(ForSchoolEducationfrom
StrategicPremium+2.50%
NurserytoXII)&BarodaGyan(ForHigher
AboveRs7.50Lacs:OneyearMCLR+
StudiesinIndia)
StrategicPremium+1.75%

ForListAInstitutions:
UptoRs15Lacs:OneyearMCLR+
StrategicPremium+0.25%
AboveRs15Lacs:OneyearMCLR+
BarodaEducationLoantoStudentsof StrategicPremium
PremierInstitutions
(ForStudiesinIndia) ForListBInstitutions:
UptoRs7.50Lacs:OneyearMCLR+
StrategicPremium+0.75%
AboveRs7.50Lacs:OneyearMCLR+
StrategicPremium+0.50%

ForIIMAhmadabad,Kolkata,Bangalore
OneyearMCLR+StrategicPremium
andXLRIJamshedpur

BarodaScholar ListAInstituteandListBInstitutes:
(ForStudiesabroad) OneyearMCLR+StrategicPremium+

1.00%
OtherInstitutesnotspecifiedinListA
andListB
:OneyearMCLR+StrategicPremium+
2.50%

OneyearMCLR+StrategicPremium+
BarodaCareerDevelopment
2.75%

OneyearMCLR+StrategicPremium+
BarodaSkillLoanScheme
1.50%

7. CarLoan:

FromOneyearMCLR+StrategicPremium
+0.25%
to
OneyearMCLR+StrategicPremium
+2.00%
BARODAAUTOLOAN
(AsperRiskRatingoftheapplicant/s.)

CarLoantoCorporate:OneyearMCLR
+StrategicPremium+0.25%

TwoWheelerLoan:OneyearMCLR+
StrategicPremium+4.00%

8. BARODAADVANCEAGAINSTSECURITIES

OneyearMCLR+StrategicPremium+
3.50%
Loan:
or0.50%overNSC/KVPrate,whichever
ishigher
AgainstNSC/KVP

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6/12/2017 BankofBarodaIndia'sInternationalBankInterestRates
OneyearMCLR+StrategicPremium+
4.00%
Overdraft:
or0.75%overNSC/KVP,whicheveris
higher

OneyearMCLR+StrategicPremium+
Loan:
3.50%
AgainstLifeInsurancePolicy/
ReliefBonds
OneyearMCLR+StrategicPremium+
Overdraft:
4.00%

AdvanceAgainstGoldOrnament/ OneyearMCLR+StrategicPremium+
Jewellery/GoldCoins 3.00%

9. BARODAPERSONALLOAN

ROIforexistingcustomershavingaccount
relationshipofminimum6months

OneyearMCLR+SP+3.00%toOneyear
MCLR+SP+6.00%
(AsperRiskRatingoftheapplicant/s.)

1.BarodaPersonalLoan
Othercases:i.eforapplicantshaving
accountrelationshipwithotherBankat
leastfor6months

OneyearMCLR+SP+5.00%toOneyear
MCLR+SP+8.00%
(AsperRiskRatingoftheapplicant/s.)

OneyearMCLR+3.25%
1.LoanforEarnestMoneyDeposit

AsapplicabletoHomeLoanaccountfor
BarodaHomeLoanSurakshaPersonal whichfundingofInsurancePremium
Loan amount

10. OneyearMCLR+
StrategicPremium+
2.00%

BARODALOANTOPENSIONERS ForRetiredBankof
Baroda/theirFamily
pensioners:
OneyearMCLR+
StrategicPremium

11. BarodaLoanforSubscriptiontoPublic OneyearMCLR+StrategicPremium+

Issue/IPO 3.75%

12. LOAN/ODAGAINSTBANKSOWNDEPOSITS(LABOD/ODBOD):

ForPublic/SeniorCitizen/Staff(against
1.00%overInterestRateonFixedDeposit
ResidentDeposits)

AdvanceAgainstthesecuritiesofthird 1.00%overDepositrate
partyFDRs orOneyearMCLR+StrategicPremium+
(againstResidentDeposits) 0.25%whicheverishigher.

13. ForLandlordsofBOBBranchPremises
OneYearMCLR+Strategic
BarodaLoanAgainstfutureRent Premium+1.25%
Receivables Forothers
OneYearMCLR+Strategic
Premium+3.25%

TOTOP

MSMEINTERESTRATESW.E.F.01.04.2016

ForLimitsbelowRs.25.00Lacs(Regulatory)
Limits Micro Small Medium

UptoRs.50000/ MCLR+SP (MCLR+SP)+0.50% (MCLR+SP)+1.20%

AboveRs.50000/to2.00lacs (MCLR+SP)+0.50% (MCLR+SP)+0.70% (MCLR+SP)+1.20%

AboveRs.2.00LacstoRs.10.00Lacs (MCLR+SP)+0.70% (MCLR+SP)+0.85% (MCLR+SP)+1.20%

AboveRs.10.00lacstolessthanRs.25.00lacs (MCLR+SP)+0.85% (MCLR+SP)+1.00% (MCLR+SP)+1.20%

ForlimitsRS.25.00lacsandabove(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

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6/12/2017
ForlimitsofRS.25.00lacsandabove(NONREGULATORY/SMEEXPANDED)
Limits
CR1
CR2
CR3
CR4
CR5
CR6&below
Note:TenorpremiumshallnotbechargedoverandaboveMCLRasitisalreadybuiltintherespectivetenorspecificMCLR.
AnnexureIIInterestRatesonSMEProducts
Sr.No. NameoftheProduct
1 SMEShortTermLoan
SMEMediumTermLoan
BarodaGeneralCreditCard
BarodaLaghuUdhyamiCreditCard
BarodaArtisansCreditCard
BarodaWeaversCreditCard
BarodaSMELoanPack
BarodaSMEGoldCard
MSMECapexLoanandCapexCard
Schemeforfinancingsmallroad
transportoperators
2 BarodaOverdraftagainstLand&
Building
3 BarodaVidyasthaliLoan
4 BarodaArogyadhamLoan
5 BarodaProfessionals
6 Schemeforfinancingexisting
borrowersunderSMESegmentfor
purchaseofnewvehicles.
7 SchemeforfinancingTextileunits
(PanIndiaScheme)
(BCC/BR/107/545dt06.11.2015)
8 SchemeforfinancingRoad
TransportOperatorsfor
PurchaseofNewCommercial
http://www.bankofbaroda.com/int_adv.asp#retailloan
BankofBarodaIndia'sInternationalBankInterestRates
InterestRates
(MCLR+SP)+1.25
(MCLR+SP)+1.35
(MCLR+SP)+1.85
(MCLR+SP)+2.40
(MCLR+SP)+3.25
(MCLR+SP)+5.70
RateofInterest
Noproductspecificinterestrates.Asperthegeneralinterestratesapplicableto
MSMERegulatoryandSMEExpandedcategories.
MicroEnterprises(MCLR+SP)+1.75%
SmallEnterprises(MCLR+SP)+2.00%.
MediumEnterprises(MCLR+SP)+2.25%.
SMEExpanded(MCLR+SP)+3.00%.
CreditRating
RatingismandatoryunderBOBRAMmodelandRateofinterestapplicableisas
aboveoraspercreditratingwhicheverislower.
Rateofinterestasunderoraspercreditratingwhicheverislower.
(MCLR+SP)+0.75%
UptoRs.5.00Crores
AboveRs.5.00Crores&upto
(MCLR+SP)+1.25%
Rs.10.00Crores
AboveRs.10.00Crores&upto
(MCLR+SP)+2.00%
Rs.15.00Crores
UptoRs.3.00Crores (MCLR+SP)+1.35%
AboveRs.3.00Crores&uptoRs.10.00
(MCLR+SP)+1.75%
Crores
AboveRs.10.00Crores&uptoRs.15.00
(MCLR+SP)+2.75%
Crores
CreditRating
RatingismandatoryunderBOBRAMmodelandRateofinterestapplicableisas
aboveoraspercreditratingwhicheverislower.
AboveRs.10.00LacstolessthanRs.25.00Lacs
Micro&SmallEnterpriseAsperstandardapplicablerates
Rs.25.00Lacs&aboveupto&inclusiveofRs.5.00Crores
RateofInterest
Sector
MicroEnterprises (MCLR+SP)+1.35%
SmallEnterprises (MCLR+SP)+1.50%
MediumEnterprises (MCLR+SP)+1.75%
CreditRating
RatingismandatoryunderBOBRAMmodelandRateofinterestapplicableisas
aboveoraspercreditratingwhicheverislower.
(MCLR+SP)+1.50%
CreditRating
RatingismandatoryunderBOBRAMmodelandRateofinterestapplicableisas
aboveoraspercreditratingwhicheverislower.
(Micro,Small&MediumEnterprises)
(MCLR+SP)+1.50%oraspercreditratingwhicheverislower,subjectto
minimumobligorratingofBOB6andabove.
ForSMEsasperexpandeddefinition.
(MCLR+SP)+2.00%oraspercreditratingwhicheverislowersubjectto
minimumobligorratingofBOB6andabove.
UptoRs.25/lacs:
NoProductspecificinterestrateandtheproductsaregovernedbythestandard
rates(linkedtoMCLR+SP)applicabletoMSMEsegmentbasedontheir
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6/12/2017 BankofBarodaIndia'sInternationalBankInterestRates
PurchaseofNewCommercial rates(linkedtoMCLR+SP)applicabletoMSMEsegmentbasedontheir
vehicles.(BCC/BR/106/401dt classification(i.e.)Micro,Small,MediumandSMEExpanded
13.10.2014) Rs.25/lacs&aboveuptoRs.100/lacs
(MCLR+SP)+2.00%p.a.atpresentorRateofInterestaspercreditrating
whicheverislowerwithmonthlyrests,irrespectiveofthesectorwhetherMicro
orSmallEnterprises

TOTOP

PRIORITYSECTOR

ThesummarizedpositionofrealignedrateofinterestonAgricultureandotherPrioritySectorAdvanceshavinglimitslessthan
Rs.25.00Lacsisasunder:

Sr.No. Parameters LimituptoRs.3.00Lacs LimitaboveRs.3.00Lacsand

lessthanRs.25.00Lacs

(A) FarmCredit CropLoan:7.00%p.a.(fixed), OneyearMCLR+Strategic

subjecttoGovt.ofIndiaprovidingInterest premium+1.25%
SubventiontoBankonsuchadvances,otherwise
applicablerateofinterestonsuchadvancesshall
beOneyearMCLR+Strategicpremium
OtherthanCropLoan:Oneyear
MCLR+Strategicpremium

(B) AgricultureInfrastructure& OneyearMCLR+Strategicpremium+0.50% OneYearMCLR+Strategic

AgricultureAncillary(*) premium+1.50%

(C) OtherPrioritySectorAdvances OneyearMCLR+Strategicpremium+0.50% OneYearMCLR+Strategic

(**) premium+1.50%

(*)ExceptforFood&Agroprocessingunitsandotherspecialcategoriesofborrowers/activities/purposes,forwhichseparate
ROIhasbeenstipulated.

(**)PrioritySectorAdvancesotherthanAgriculture,Retail&SMEAdvancesandotherspecialcategoriesofborrowers/
activities/purposes,forwhichseparateROIhasbeenstipulated.

InterestRateonAgriculture&OtherPrioritySectorAdvances

Sr.No. Parameters
(A) FarmCredit(AsdefinedbyRBIvidetheirMastercirculardated01.07.2015onPrioritySectorClassification,
exceptforFood&Agroprocessingunitsandotherspecialcategoriesofborrowers/activities/purposes,forwhich
separateROIhasbeenstipulated)::

A.1. ProductionCredit(CropLoan)&InvestmentCredit

A.1.1 LimituptoRs.3lacs CropLoan:7.00%p.a.(fixed),subjectto

Govt.ofIndiaprovidingInterestSubventiontoBankonsuchadvances,
otherwiseapplicablerateofinterestonsuchadvancesshallbeOneyear
MCLR+Strategicpremium
OtherthanCropLoan:OneyearMCLR+Strategicpremium

A.1.2 LimitaboveRs.3lacsandlessthan OneyearMCLR+Strategicpremium+1.25%

Rs.25lacs

A.1.3 LimitRs.25lacsandabove(*) Asperthedetailsgivenbelow:

A.1.3.1 ForCC/OD&DLofLoan OneyearMCLR+Strategicpremium+2.00%

periodlessthan3years

A.1.3.2 ForLoanperiod3yearsandabove:Asperthedetailsgivenbelow:

Loanperiod RateofInterest

A.1.3.2.1 3years&aboveandupto5 OneyearMCLR+Strategicpremium+2.10%

years

A.1.3.2.2 Above5yearsandupto7years OneyearMCLR+Strategicpremium+2.15%

A.1.3.2.3 Above7yearsandupto10years FiveyearMCLR+Strategicpremium+1.85%

A.1.3.2.4 Above10years FiveyearMCLR+Strategicpremium+2.65%

(*)ROIapplicableuptomaximumaggregatelimitofRs.2Croresperborrowertocorporatefarmers,farmers
producerorganizations/companiesofindividualfarmers,partnershipfirmsandcooperativesoffarmersdirectly
engagedinAgricultureandAlliedActivities,viz.dairy,fishery,animalhusbandry,poultry,beekeepingand
sericulture
(B) AdvancesforAgricultureInfrastructure&AgricultureAncillaryactivities
(AsdefinedbyRBIvidetheirMastercirculardated01.07.2015onPrioritySectorClassification,exceptforFood&
Agroprocessingunitsandotherspecialcategoriesofborrowers/activities/purposes,forwhichseparateROIhas
beenstipulated):

B.1 LoanuptoRs.3lacs OneyearMCLR+Strategicpremium+0.50%

B.2 LimitaboveRs.3lacsandless OneYearMCLR+Strategicpremium+1.50%

thanRs.25lacs

B.3 LimitRs.25lacsandabove Asperthedetailsgivenbelow:

B.3.1 ForCC/OD&DLofLoanperiodlessthan3years

CreditRating RateofInterest

CR1 OneYearMCLR+Strategicpremium+1.50%

CR2 OneYearMCLR+Strategicpremium+1.75%

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CR3 OneYearMCLR+Strategicpremium+2.00%

CR4 OneYearMCLR+Strategicpremium+2.50%

CR5 OneYearMCLR+Strategicpremium+2.75%

CR6,7,8,9&10 OneYearMCLR+Strategicpremium+3.25%

B.3.2 ForTLhavingLoanperiod3yearsandabove

Cr.RatingLoanPeriod RateofInterest

3years&aboveandupto5 OneYearMCLR+Strategic
years premium+1.60%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+1.65%
CR1
B.3.2.1.
Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+1.35%

Above10years FiveYearMCLR+Strategic
premium+2.15%

3years&aboveandupto5 OneYearMCLR+Strategic
years premium+1.85%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+1.90%
CR2
B.3.2.2.
Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+1.60%

Above10years FiveYearMCLR+Strategic
premium+2.40%

3years&aboveandupto5 OneYearMCLR+Strategic
years premium+2.10%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+2.15%
CR3
B.3.2.3.
Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+1.85%

Above10years FiveYearMCLR+Strategic
premium+2.65%

3years&aboveandupto5 OneYearMCLR+Strategic
years premium+2.60%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+2.65%
CR4
B.3.2.4.
Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+2.35%

Above10years FiveYearMCLR+Strategic
premium+3.15%

B.3.2.5. 3years&aboveandupto5 OneYearMCLR+Strategic

years premium+2.85%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+2.90%
CR5
Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+2.60%

Above10years FiveYearMCLR+Strategic
premium+3.40%

B.3.2.6. CR6,7,8,9&10 3years&aboveandupto5 OneYearMCLR+Strategic

years premium+3.35%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+3.40%

Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+3.10%

Above10years FiveYearMCLR+Strategic
premium+3.90%

(C) ROIonOtherPrioritySectorAdvancesincludingSocialInfrastructure&
RenewableEnergy(i.e.forPrioritySectorAdvancesotherthanAgriculture,Retail&SMEAdvancesandwhich
aredefinedbyRBIvidetheirMastercirculardated01.07.2015onPrioritySectorClassification,exceptforFood&
Agroprocessingunitsandotherspecialcategoriesofborrowers/activities/purposes,forwhichseparateROIhas
beenstipulated):

C.1 LoanuptoRs.3lacs OneyearMCLR+Strategicpremium+0.50%

C.2 LimitaboveRs.3lacsandlessthan OneYearMCLR+Strategicpremium+1.50%

Rs.25lacs

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6/12/2017 BankofBarodaIndia'sInternationalBankInterestRates

C.3 LimitRs.25lacsandabove Asperthedetailsgivenbelow:

C.3.1 ForCC/OD&DLofLoanperiodlessthan3years

CreditRating RateofInterest

CR1 OneYearMCLR+Strategicpremium+1.90%

CR2&CR3 OneYearMCLR+Strategicpremium+2.25%

CR4 OneYearMCLR+Strategicpremium+2.75%

CR5 OneYearMCLR+Strategicpremium+3.00%

CR6,7,8,9&10 OneYearMCLR+Strategicpremium+3.50%

C.3.2 ForTLhavingLoanperiod3yearsandabove

Cr.Rating LoanPeriod RateofInterest

3years&aboveandupto5 OneYearMCLR+Strategic
years premium+2.00%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+2.05%
CR1
C.3.2.1
Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+1.75%

Above10years FiveYearMCLR+Strategic
premium+2.55%

3years&aboveandupto5 OneYearMCLR+Strategic
years premium+2.35%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+2.40%
CR2&CR3
C.3.2.2
Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+2.10%

Above10years FiveYearMCLR+Strategic
premium+2.90%

C.3.2.3 CR4 3years&aboveandupto5 OneYearMCLR+Strategic

years premium+2.85%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+2.90%

Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+2.60%

Above10years FiveYearMCLR+Strategic

premium+3.40%

3years&aboveandupto5 OneYearMCLR+Strategic
years premium+3.10%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+3.15%
CR5
C.3.2.4
Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+2.85%

Above10years FiveYearMCLR+Strategic
premium+3.65%

3years&aboveandupto5 OneYearMCLR+Strategic
years premium+3.60%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+3.65%
CR6,7,8,9&10
C.3.2.5
Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+3.35%

Above10years FiveYearMCLR+Strategic
premium+4.15%

(D) AdvancestoSpecialcategoriesofborrowers/activities/purposes:

Sr.No. Parameter ApplicableInterestRate

D.1 FinancetoPACS/FSS/LAMPS 7.00%p.a.(fixed),subjecttoGovt.ofIndiaprovidingInterestSubventionto

foronlendingtoFarmers, bankon
irrespectiveoftheloan suchadvances,otherwiseapplicablerateofinterestonsuchadvancesshall
limit/purpose beOne
YearMCLR+StrategicPremium+0.50%

D.2 FinancetoSHGs/JLGs Asperthedetailsgivenbelow:

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6/12/2017 BankofBarodaIndia'sInternationalBankInterestRates
D.2.1 LoanuptoRs.3Lacs AsapplicabletoAgriculture/OtherPrioritySectorAdvances,asthecasemay
be

D.2.2 LimitaboveRs.3lacsandlessthan OneYearMCLR+Strategicpremium+1.00%

Rs.25lacs

D.2.3 LimitRs.25lacsandabove Asperthedetailsgivenbelow:

D.2.3.1 ForCC/OD&DLofLoanperiodless OneYearMCLR+Strategicpremium+1.00%

than3years

D.2.3.2 ForTLhavingLoanperiod3yearsandabove

LoanPeriod RateofInterest

D.2.3.2.1 3years&aboveandupto5years OneYearMCLR+Strategicpremium+1.10%

D.2.3.2.2 Above5yearsandupto7years OneYearMCLR+Strategicpremium+1.15%

D.2.3.2.3 Above7yearsandupto10years FiveYearMCLR+Strategicpremium+0.85%

D.2.3.2.4 Above10years FiveYearMCLR+Strategicpremium+1.65%

D.3 AdvancesforconstructionofGodownsdesignedtostoreAgricultureproduce/products

D.3.1 LimitlessthanRs.25lacs OneYearMCLR+Strategicpremium+0.50%

D.3.2 LimitRs.25lacsandabove Asperthedetailsgivenbelow:

D.3.2.1 Lessthan3years OneYearMCLR+Strategicpremium+0.50%

D.3.2.2 3years&aboveandupto5years OneYearMCLR+Strategicpremium+0.60%

D.3.2.3 Above5yearsandupto7years OneYearMCLR+Strategicpremium+0.65%

D.3.2.4 Above7yearsandupto10years FiveYearMCLR+Strategicpremium+0.35%

D.3.2.5 Above10years FiveYearMCLR+Strategicpremium+1.15%

D.4 AdvancesagainstWarehouse OneYearMCLR+Strategicpremium+1.00%(inclusiveofcollateral

ReceiptstoFarmersuptoRs.50 managementcharges,beingchargedbyCollateralManagers,wherever
lacs(@) applicable)

D.5 AdvancesagainstWarehouse OneYearMCLR+Strategicpremium+1.00%

ReceiptstootherthanFarmers(limit (inclusiveofcollateralmanagementcharges,beingchargedbyCollateral
uptoRs.5.00Crores)(underPriority Managers,whereverapplicable)
Sector)@

(@)Nofurtherconcessionistobeallowed)
D.6 LoanstoFarmersforpurchaseof RateofinterestapplicableforBarodaCar
FourWheeler Loanminus0.25%,subjecttominimumROI
atEffectiveMCLR(MCLR+Strategicpremium)

D.7 FinancingconstructionofFarm RateofInterestapplicableforHousingLoanSchemeofourBank

HousecumDwellingunitsto
Farmers

D.8 AdvancesforPoultryUnits

D.8.1 LimitlessthanRs.25lacs OneYearMCLR+Strategicpremium+1.00%

D.8.2 LimitRs.25lacsandabove Asperthedetailsgivenbelow:

D.8.2.1 ForCC/OD&DLofLoanperiodless OneYearMCLR+Strategicpremium+1.00%

than3years

D.8.2.2 ForTLhavingLoanperiod3yearsandabove

LoanPeriod LoanPeriod

D.8.2.2.1 3years&aboveandupto5years OneYearMCLR+Strategicpremium+1.10%

D.8.2.2.2 Above5yearsandupto7years OneYearMCLR+Strategicpremium+1.15%

D.8.2.2.3 Above7yearsandupto10years FiveYearMCLR+Strategicpremium+0.85%

D.8.2.2.4 Above10years FiveYearMCLR+Strategicpremium+1.65%

D.9 Advancesforconstructionandrunningofcoldstorageunits//coldstoragechainsdesignedtostore
agricultureproduce/products,uptoanaggregatesanctionedlimitofRs.100Croresperborrowerfromthe
bankingsystem

D.9.1 LoanuptoRs.3lacs OneYearMCLR+Strategicpremium+0.50%

D.9.2 LimitaboveRs.3lacsandlessthan OneYearMCLR+Strategicpremium+1.50%

Rs.25lacs

D.9.3 LimitRs.25lacsandabove Asperthedetailsgivenbelow:

D.9.3.1 ForCC/OD&DLofLoanperiodlessthan3years

CreditRating RateofInterest

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6/12/2017 BankofBarodaIndia'sInternationalBankInterestRates
CR1,2,3,4&5 OneYearMCLR+Strategicpremium+1.25%

CR6,7,8,9&10 OneYearMCLR+Strategicpremium+2.00%

D.9.3.2 ForTLhavingLoanperiod3yearsandabove

CreditRating LoanPeriod RateofInterest

3years&aboveandupto5 OneYearMCLR+Strategic
years premium+1.35%

Above5yearsandupto7years OneYearMCLR+Strategicpremium+
1.40%
CR1,2,3,4&5
D.9.3.2.1
Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+1.10%

Above10years FiveYearMCLR+Strategic
premium+1.90%

D.9.3.2.2 CR6,7,8,9&10 3years&aboveandupto5 OneYearMCLR+Strategicpremium+

years 2.10%

Above5yearsandupto7years OneYearMCLR+Strategic
premium+2.15%

Above7yearsandupto10 FiveYearMCLR+Strategic
years premium+1.85%

Above10years FiveYearMCLR+Strategic
premium+2.65%

D.10 AdvancestoNBFCMFIs,whichareengagedinonlendingtoindividuals/groupsunderPrioritySector

D.10.1 LoanuptoRs.3lacs OneYearMCLR+Strategicpremium+0.50%

D.10.2 LimitaboveRs.3lacsandlessthan OneYearMCLR+Strategicpremium+1.50%

Rs.25lacs

D.10.3 LimitRs.25lacsandabove Asperthedetailsgivenbelow:

D.10.3.1 ForCC/OD&DLofLoanperiodlessthan3years

CreditRating RateofInterest

CR1 OneYearMCLR+Strategicpremium+2.50%

CR2 OneYearMCLR+Strategicpremium+2.75%

CR3 OneYearMCLR+Strategicpremium+3.00%

CR4 OneYearMCLR+Strategicpremium+3.50%

CR5 OneYearMCLR+Strategicpremium+3.75%

CR6,7,8,9&10 OneYearMCLR+Strategicpremium+4.25%

D.10.3.2 ForTLhavingLoanperiod3yearsandabove

Cr.Rating LoanPeriod RateofInterest

3years&aboveandupto5 OneYearMCLR+Strategicpremium+
years 2.60%

Above5yearsandupto7years OneYearMCLR+Strategicpremium+
2.65%
CR1
D.10.3.2.1
Above7yearsandupto10 FiveYearMCLR+Strategicpremium+
years 2.35%

Above10years FiveYearMCLR+Strategicpremium+
3.15%

3years&aboveandupto5 OneYearMCLR+Strategicpremium+
years 2.85%

Above5yearsandupto7years OneYearMCLR+Strategicpremium+
2.90%
CR2
D.10.3.2.2
Above7yearsandupto10 FiveYearMCLR+Strategicpremium+
years 2.60%

Above10years FiveYearMCLR+Strategicpremium+
3.40%

3years&aboveandupto5 OneYearMCLR+Strategicpremium+
years 3.10%

Above5yearsandupto7years OneYearMCLR+Strategicpremium+
3.15%
CR3
D.10.3.2.3
Above7yearsandupto10 FiveYearMCLR+Strategicpremium+
years 2.85%

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6/12/2017 BankofBarodaIndia'sInternationalBankInterestRates
years 2.85%

Above10years FiveYearMCLR+Strategicpremium+
3.65%

D.10.3.2.4 CR4 3years&aboveandupto5 OneYearMCLR+Strategicpremium+

years 3.60%

Above5yearsandupto7years OneYearMCLR+Strategicpremium+
3.65%

Above7yearsandupto10 FiveYearMCLR+Strategicpremium+
years 3.35%

Above10years FiveYearMCLR+Strategicpremium+
4.15%

3years&aboveandupto5 OneYearMCLR+Strategicpremium+
years 3.85%

Above5yearsandupto7years OneYearMCLR+Strategicpremium+
3.90%
CR5
D.10.3.2.5
Above7yearsandupto10 FiveYearMCLR+Strategicpremium+
years 3.60%

Above10years FiveYearMCLR+Strategicpremium+
4.40%

3years&aboveandupto5 OneYearMCLR+Strategicpremium+
years 4.35%

Above5yearsandupto7years OneYearMCLR+Strategicpremium+
4.40%
CR6,7,8,9&10
D.10.3.2.6
Above7yearsandupto10 FiveYearMCLR+Strategicpremium+
years 4.10%

Above10years FiveYearMCLR+Strategicpremium+
4.90%

D.11 AdvancesundertheSchemeforfinancingMiniDairyunits:

D.11.1 LoanuptoRs.3.00Lacs OneyearMCLR+Strategicpremium

LimitaboveRs.3.00Lacsandupto OneyearMCLR+Strategicpremium+0.25%
D.11.2
Rs.6.00Lacs

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