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Interest Rates & Charges

Rate Of Interest On Term Advance

BARODA GUJARAT GRAMIN BANK
Rate of Interest on Advances w.e.f. 01.10.2021
Sr No.Scheme Code Scheme NameDescription of the scheme Rate Of Interest
(BPLR - 8.00% w.e.f 01.10.2021)
1 CASH CREDIT CROP LOAN CROP LOAN (inclusive of B.G.K.C.C scheme)* Up to Rs.3,00,000/- and Financing marketing of Crops against Pledge of Agriculture Produce / Stock to farmers Subject to Govt. of India provides 2.00 % subvention to Banks on such advances otherwise as mentioned below.
1.1 CC004 CC KISAN CREDIT CARD For Crop Loan cases not covered in (a) above and Financing marketing of Crops against Pledge of Agriculture Produce / Stock to farmers:
CC012 CC-AGRICULTURE Up to Rs. 50,000 9%
Above Rs. 50,000 to Rs. 2,00,000 9.5%
Above Rs. 2,00,000 to Rs. 3,00,000 9.75%
Above Rs. 3,00,000 to Rs. 10,00,000 9%
Above Rs. 10,00,000 to Rs. 30,00,000 9.5%
Above Rs. 30,00,000 to Rs. 50,00,000 10%
Above Rs. 50,00,000 10.5%
2 TERM LOAN AGRICULTURE
LA01 AGRI-TERM LOAN OTHERS
LA03 LOAN FOR HORTICULTURE
LA04 LOAN FOR IRRIGATION
LA05 LOAN FOR TRACTOR MACHINE
LA06 LOAN FOR AGRI IMPLEMENTS up to Rs.50,000/- 9%
LA07 LOAN FOR AGRI LAND DELPT Above Rs.50,000/- to Rs.3,00,000/- 9%
LA010 LOAN FOR FARM STRUCTURES Above Rs.3,00,000/- to Rs. 10,00,000/- 9.75%
LA011 LOAN AGAINST WAREHOUSE RCPT Above Rs.10,00,000/- 10%
LA013 KISAN AWAS YOJNA
LA015 GOVT SPONSORED AG
LA017 AGRI-DEBT WAIVE RELIEF-08
LA019 LOAN FOR AGRI ALLIED ACTI
LA020 AGRI-TERM LOAN DAIRY
LA021 KISAN RIN MUKTA YOJNA
LA022 GOVT SPON AG ALLIED
LA214 KISAN AWAS YOJNA NON AG
LA103 CONST. OF RURAL GODOWNS
LA009 Agri Clinic & Agri Business
LA027 Kisan Tatkal Scheme
3 FOOD and AGRO PROCESSING UNITS
CASH CREDIT and TERM LOANS
LA001 POHA Mill, RICE Mill, DAL Mill, Flour Mill, OIL Mill, COTTON Ginning Mill, KHANDSARI & JAGGERY Making Units, GOL na KOLA, Spices Manufacturing, Manufacturing & Trading Units of DAIRY Products and AGRICULTURE products etc….
3.1 CC012 ROI for units offering collateral security below 50 % 10.5%
3.2 ROI for units offering collateral security of 50 % to below 100 % ( concession of 0.25 % p.a. ). 10.25%
3.3 ROI for units offering collateral security of 100 % and above (concession of 0.50 % p.a.) 10%
3.4 OD035 Overdraft to Agro based and Agro Proessing Unit # ROI is linked with credit Rating
4 SRTO loan under Agriculture
LA212 SRTO Loans up to Rs.2,00,000/-. 10%
LA213 SRTO Loans above Rs. 2,00,000/- 10%
ROI on SRTO loans is delinked from credit rating
LA113 BGGB Agri end use & Agri hiring Tractor Loan Scheme 12.5%
LA113 BGGB Agri cum Commercial end use Tractor Loan Scheme 12%
5 LA014 KISAN VAHAN YOJNA Two wheeler to Farmers 11%
5.1 FIANCING CAR LOAN TO FARMERS Car loans to Farmers
LA014 800 and above 7.5%
760 to 799 7.75%
725 to 759 8%
675 to 724 8.25%
Less than 675 up to 650 (with permission of next higher authority) 9%
Applicant having CIBIL score (-1) or (0) or 1 to 5 ROI as under 8%
6 LA015 GOVT SPONSORED AG Term Loan for Micro Irrigation System through (GGRC Ltd)
Loan limit up to Rs.3.00 lac 9.5%
Loan limit above Rs.3.00 Lac 9.75%
7 OD002 LA016 Agri and Allied acttivities against Bank's own deposit i.e. LABOD OD/BOD For General Customers / Senior Citizens
To the DEPOSITOR (% above contracted rate)
Against the security of Third Party FDRs
8 Financing of units for construction / renovation / expansion of Storage facilities (Warehouse, Market yards, Godowns, Silos and cold storage units) under Agriculture 11.5%
9 Baroda Gujarat TRADERS Loan (T/L and O.D.)
LA211 TRADERS LOAN- NON EMI BGTL-1 to 4 (above 80%) 9.25%
OD006 OD TRADERS LOAN BGTL 5 to 6 (Above 50% to 80%) 9.75%
BGTL Below 6 (Below 50%) 10.25%
10 ADVANCE AGAINST PROPERTY ( T/L and O.D. )
LA238 ADVANCE AGAINST PROPERTY CIBIL SCORE
OD005 OD AGAINST PROPERTY 800 and above 9%
760 to 799 9.25%
725 to 759 9.5%
675 to 724 10%
below 675 up to 650 (with permission to next higher authority) 11.75%
(-1) or (0) or 1 to 5 9.5%
11 ADVANCE AGAINST PROPERTY (NON INDIVIDUAL) ( T/L and O.D. )
LA200 TERM LOAN Margin Above 50% 9%
OD026 OVER DRAFT Margin up to 50% 9.5%
12 AROGYADHAM Loan scheme for DOCTORS, Medical Practioners.
OD007 OD TO DOCTORS up to Rs. 3,00,00,000/- 9%
LA209 LOAN TO DOCTORS Above Rs. 3,00,00,000/- 9%
LA250 (Non EMI)
13 HOUSING LOANS to INDIVIDUALS
LA215 HSG-LN-EMI-NON CAPITALISE CIBIL SCORE
LA216 HSG LN EMI COM-HOL-CAP IN 800 and above 6.75%
LA218 RURAL HOUSING LOAN -EMI 760 to 799 6.9%
LA219 RURAL HOUSING-NON EMI 725 to 759 7.15%
LA219 RURAL HOUSING-NON EMI 675 to 724 7.65%
up to 674 up to 650 (with permission of next higher authority) 8%
(-1) or (0) or 1 to 5 7.15%
14 ADDITIONAL ASSURED ADVANCE (AAA)
LA 246 HSG-LN-EMI-NON CAPITALISE (TOP UP loan on Existing Housing Loans) 9%
15 LA230 REAL ESTATE LOAN 11%
16 LA304 Loan Against Future Rent Receivables For Land Lors of Bank premises/ Office 10%
For Others 10.5%
17 EDUCATION LOANS
LA220 EDU LOAN INDIA-CAPITALISE 10.5%
LA221 EDU LOAN INDIA-NON-CAP Scheme guidelines of Education Loans to be strictly followed in case of collateral security . 9.5%
LA222 EDU LOAN OVERSEAS-CAP 9%
LA223 EDU LOAN OVERSEAS-NON CAP (Education loan for Girls student, 0.50% concession in the interest rate to be allowed )
17.1 EDUCATION LOAN TO PERSON WITH DISABILITIES UNDER NHFDC
18 CAR / JEEP Loans
LA235 CAR/4 WHL LOAN EMI COMP CIBIL SCORE
800 and above 7.5%
Concession in applicable ROI in Car Loan 760 to 799 7.75%
Liquid Collateral Security like NSC, KVP, LIC 725 to 759 8%
50% of Liquid Collateral Security of Loan amount : Concession : 0.50% p.a. 675 to 724 8.25%
25% of Liquid Collateral Security of loan amount : Concession : 0.25% p.a. Less than 675 up to 650 (with permission of next higher authority) 9%
Concession of 0.25% p.a. in ROI to our existing Home Loan borrowers having satisfactory conduct Applicant having CIBIL score (-1) or (0) or 1 to 5 ROI as under 8%
19 PERSONAL LOAN
LA237 PERSONAL LOAN-PUB-EMI CLEAN LOAN & Over Draft against S.B. salary account) to Salary Class Individuals 11.5%
19.1 OD001 OVERDRAFT GENERAL CLEAN Loan to Existing REGULAR HOUSING loan borrower (0.50 % concession) 11.5%
21 LA234 TWO WHEELER LOAN EMI TWO WHEELER Loans
loans to ALL OTHER INDIVIDUALS 11.5%
22 Loans to MSME (Excluding Arogyadham Loan Scheme and SRTO Loan)
LA230 SME MED TL- NON EMI COMP up to Rs.10,00,000/- 9%
LA231 SME SHORT TL-NON EMI COMP Above Rs.10,00,000/-
CC011 CC-SME
# Rate of interest is DE-LINKED with Credit Rating for loan limit up to Rs.10.00 lacs . Accounts with limit Rs.10.00 lacs and above are linked with Credit Rating for deciding applicable rate of Interest.
Above Rs. 10.00 Lacs to Rs. 25 Lacs Above Rs. 25.00 Lacs
Marks above 90 ( Rating A+) 9.00 8.50%
Marks above 80 and up to 90 ( Rating A) 9.25% 8.75%
Marks above 70 and up to 80 ( Rating A-) 9.50% 9.00%
Marks above 60 and up to 70 ( Rating B) 9.75% 9.25%
Marks above 55 and up to 60 ( Rating C) 10.50% 10.00%
Marks above 50 and up to 55 ( Rating D+) 13.00% 12.00%
Marks below 50 ( Rating E+) 13.50% 13.00%
23 MUDRA Loans under Prime Minister MUDRA Yojna (PMMY-MUDRA) .
Working Capital Loans and Term Loans for All MICRO and SMALL Enterprises segment of NON FARM sector under MSME sector and engaged income generating activities in manufacturing, trading and services sector and whose credit needs are up to Rs. 10.00 lacs and Financing to Business Correspondents under PMMY - for Over Draft Demand Loan & Term Loan
SHISHU Loans ( up to Rs.50,000/-) 10%
KISHORE Loans ( from Rs. 50,001/- to Rs.2,00,000/-) 10%
KISHORE Loans ( from Rs. 2,00,001/- to Rs.5,00,000/-) 11%
TARUN Loans ( from Rs. 5,00,001/- to Rs.10,00,000/-) 11%
24 SRTO Loans to SMALL ROAD and WATER TRANSPORT OPERATORS.
LA212 TRANSPORT OPERATOR EMI ROI on SRTO loans is delinked from credit rating 10%
LA213 TRANSPORT OPERATOR NON EMI
25 TERM LOAN (under Priority sector, NON FARM sector) not covered in above Schemes
LA207 PROFESSIONAL LOAN EMI
LA208 PROFESSIONAL LN - NON EMI up to Rs.50,000/- 10%
LA229 GOVT SPONSORED NON AG Above Rs.50,000/- up to Rs.2,00,000/- 10%
LA233 RURAL ARTISAN/COTTAGE IND Above Rs.2,00,000/- up to Rs.10,00,000/- 11%
Above Rs.10,00,000/-
# Rate of interest is DE-LINKED with Credit Rating for loan limit up to Rs.10.00 lacs. Accounts with limit Rs.10.00 lacs and above are linked with Credit Rating for deciding applicable rate of Interest.
26 SELF EMPLOYMENT SCHEME under National Handicapped Finance Development Corporation (NHFDC) subject to availability of REFINANCE at concessional rate from NHFDC.
LOAN UP TO RS.50,000
LOAN ABOVE RS.50,000 TO 5.00 LACS
LOAN ABOVE RS.5.00 LACS TO 15.00 LACS
LOAN ABOVE RS.15.00 LACS TO 25.00 LACS
* SPECIAL REBATE OF 1% ON INTEREST IS GIVEN TO WOMEN BENEFICIARIES WITH DISABILITIES IN ALL THE SCHEME OF NHFDC
27 OVERDRAFT Against LAND and BUILDING (For MSME)
OD026 Security Margin above 50% 9%
Security Margin up to 50% 9.5%
28 LA023 JOINT LIABLITY GROUP JLG (Farm & Non farm) 11.15%
CC008 CC-GOVT SPONSERED (SHG)
loans to NGOs for onward lending to SHGs 11.15%
29 LA244 (NRLM) Financing to SHG under DAY NRLM/SLRM 12.5%
LA245 (SLRM)
30 LA252 CC020 Financing to Individual enterprise under Self Employment Programme (SEP-I) under DAY NULM/SULM under MSME 12.5%
31 CASH CREDIT GENERAL
CC001 CASH CREDIT GENERAL
CC BOOK DEBT/SUPP BILL Loans up to Rs.50,000/- to Rs.2,00,000/- 10%
Loans from Rs. 2,00,001/- to Rs.10,00,000/-. 11%
Above Rs.10,00,000/-
32 General Credit Card Scheme (GCC)
CC005 CC-GENERAL CREDIT CARD General Credit Card Scheme (GCC) 13%
33 CC006 CC-SWAROJGAR CREDIT CARD Artisan Credit Cards
CC007 CC-ARTISEN CREDIT CARD UP TO Rs. 2,00,000/- ( maximum) 10%
CC009 CC-LAGHU UDH CREDIT CARD
34 Term Loan for SOLAR LIGHTING / Rooftop System
LA202 DEMAND LOAN GRAM UJALA 10%
LA204 TERM LOAN GRAM UJALA 10%
Loan Against Securities NSC, KVP, LIC Policies
35 OD004 OD - NSC/KVP/LIC ETC. Loan Against Securities NSC, KVP, LIC Policies
LA301 LN AGST NSC/KVP/LIC N EMI FOR PUBLIC 11%
LA302 LOAN AGST NSC/KVP/LIC EMI FOR STAFF
36 Advance against GOLD ORNAMENTS
36.1 Crop Loan
36.2 Agriculture Other than Crop Loan / Other Priority Sector Advance including MSME Regulatory Segment & Business Persons. 8.5%
37 LABOD
LA305 LABOD NON EMI
OD002 OD AGT BANK'S OWN DEPOSIT To the DEPOSITOR (% above contracted rate )
To SENIOR CITIZEN (% above contracted rate )
Against THIRD PARTY receipt (% above contracted rate )
To STAFF MEMBERS of our Bank
38 LA451 PM KUSUM
Up to Rs. 3.00 Lacs 9.5%
Above Rs. 3.00 lacs to Rs. 10 lacs 10%
above Rs. 10.00 lacs
Collateral Security below 50% 10%
Collateral Security from 50% to 100% 9.5%
Collateral Security above 100% 9%
39 LA534 PM SVANidhi 13.5%
40 LA240 Baroda Gujarat COVID Personal Loan 9%
TAKE OVER BY OTHER INSTITUTION
41 Charges for TAKEOVER by other Banks / financial institutions ( in case of term loans) (Except Housing Loan)
* Additional Concession of 0.05% in applicable Rate of Interest for customers who opt for Group Loan Protect Plan (GLPP) for Home Loan, Vehicle Loan , Education Loan, Personal Loan, Business Loan & Agriculture Term Loan

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