Welcome to the Baroda Central Co-Operative Bank Ltd.

Loan Rates

Bank is providing various types of Direct Finance To Societies (PACS), Individual, Traders , MSI (Medium Scale Industries), Professional & Self Employed, as also bank is providing Housing Loan, Vehicle Loan, Gold Loan, Loans, Consumer durable Loan etc.

No. Type Of Loan Particular Rate of Interest
1 Short term Agricultural Crop Loan - (KCC) A. Up to Rs 3.00 lakh (PACs)
B. Above Rs 3.00 lakh (PACs)
C. Revolving Cash Credit - Individual
    (Up to 3 Lakh)
D. Revolving Cash Credit - Individual     (Above 3 Lakh)
5.50%
8.50%
7.00%


9.50%
2 General Cash Credit PACs A.General Cash Credit PACs
B.General Cash Credit Individual
8.50%
9.50%
3 Loan against Gold Ornaments Individual 10.25%
4 Loan against NSC/KVP Individual 11.50%
5 Loan against LIC Policy Individual 11.50%
6 Loan / Cash Credit against Property (For Business Purpose - up to Rs 5.00 lakh ) 13.50%
7 Traders Cash Credit ( up to 25 lakh) Individual 12.50%
8 Hypothication Cash Credit for Co-op Societies under directive control for commodities (Cotton, Sugar, Oil-seeds, Grain) under selected credit control 12.00%
9 Cash Credit to Co-operative Sugar Mill A. Sugar Pledge Cash Credit
B. Cash Credit Against store stock
11.25%
12.00%
10 Medium Term Agriculture Loan A. Tractor ,Power tiller, Trailer, Thressor,      Tempo, etc
B. Drip Irrigation, Sprinkler, Pipeline, Oil      engine,
C. Dairy Development & Tabela Loan
D. 1.Baroda Dairy -BD Milch Animal
2.Baroda Dairy –Amrut Yojna (Only for Milk Society Member)
E. Godown loan society
F. Housing Loan – (Floating & Fixed Int Rate available)
Cibil Score - <700
> 700
G. City Urban -Housing
9.50%



11.00%

9.75%

9.25%

12.50%


10.00%
10.50%
11 M T Non Agriculture Loan for A. Two Wheeler / Three Wheeler / Four Wheeler
B . Commercial Vehicle Loan (Tempo / Truck /Bus/ JCB Loan
Cibil Score - <700
>700
C. Commercial Property Loan
( Shop / Office /Godown Loan
Cibil Score - <700
>700
D. MTNA Solar Panel Roof Top
For Individual (up to 2 lakh)
For Co-op Societies (up to 5 lakh)
9.00%



11.00%
10.00%


10.50%
11.50%

10.00%
10.00%

Note:-

  • Overdue Panelty Interest in addition to the above mentioned interest rates would be levied on PACS @ 1.00%
  • Overdue Panelty Interest  in addition to the above mentioned interest rates would be levied for Individual @ 2.00%
  • In case of Overdue KCC Loan (upto Rs. 3 lacs) interest rate would be applicable @ 12.00%
  • TRACTOR THRESHER

    Drip-Irigation Sprinkler

    VEHICLE LOAN

    LOANS FOR PROFESSIONALS

    GOLD LOAN

    HOUSING LOAN

    CONSUMER LOAN

    GODOWN LOAN

    NSC KVP LOAN

    OLIL ENGINE / PIPE LINE / TUBEWELL LOAN

    LOAN AGAINST PROPERTY

    MILCH ANIMAL

    MT AGRI DAIRY LOAN

    RURAL GODOWN STORAGE

    SOLAR PANEL LOAN

    Top