Bank of baroda

(In Rs. million, except for percentages)
March 31, 2004
March 31, 2005
September 30, 2005
% of total
% of total
% of total
Amount
Outstanding
Amount
Outstanding
Amount
Outstanding
outstanding
Personal
outstanding
Personal
outstanding
Personal
loans
loans
loans
Baroda Housing Loan
28,734.60
68.13
33,808.10
52.97
35,874.9
48.93
Baroda Home Improvement Loan
0.00
0.00
378.20
0.59
550.2
0.75
Baroda Education Loan
1,969.20
4.67
2,806.40
4.40
3,719.0
5.07
Baroda Car Loan
1,450.50
3.44
1,922.20
3.01
2,010.4
2.74
Baroda Two Wheeler Loan
654.00
1.55
672.80
1.05
717.2
0.98
Baroda Consumer Durables Loan
570.10
1.35
457.90
0.72
430.7
0.59
Baroda Personal Computers Loan
278.40
0.66
225.70
0.35
2,10.8
0.29
Baroda Personal Loan
2,091.30
4.96
4,001.20
6.27
4,708.6
6.42
Baroda Marriage Loan
105.80
0.25
156.20
0.25
160.6
0.22
Baroda Festival Loan
0.00
0.00
12.60
0.02
13.9
0.02

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53
March 31, 2004
March 31, 2005
September 30, 2005
% of total
% of total
% of total
Amount
Outstanding
Amount
Outstanding
Amount
Outstanding
outstanding
Personal
outstanding
Personal
outstanding
Personal
loans
loans
loans
Baroda Advance Against Securities
51.40
0.12
9,344.10
14.64
13,851.4
18.89
Baroda Advance Against Property
1,404.30
3.33
2,335.10
3.66
2,920.4
3.98
Baroda Loan to Pensioners
197.70
0.47
359.10
0.56
405.9
0.55
Baroda Loan to Defence Pensioners
0.00
0.00
52.30
0.08
88.3
0.12
Baroda Professional Loan
0.00
0.00
90.60
0.14
113.6
0.15
Baroda Traders Loan
4,650.50
11.03
7,112.10
11.14
7,313.1
9.97
Baroda Loan Against Rent Receivables
0.00
0.00
25.30
0.04
128.0
0.17
Baroda Additional Assured Advance
19.80
0.05
70.70
0.11
95.0
0.13
Baroda Vaibhav Lakshmi
-
-
-
-
0.6
0.00
Baroda Eco-Friendly Gas Kit Loan
-
-
-
-
0.7
0.00
Baroda Desh Videsh Yatra Loon
-
-
-
-
1.4
0.00
Baroda loan for IPO Subscription
-
-
-
-
2.4
0.00
Totaloutstanding
Personal loans
42,177.60
100.00
63,830.60
100.00
73,317.10
100.00
The following is a description of our principal personal loan products:
Baroda Housing Loan
Our housing loan provides customers with finance for the purchase of a new house or land, financing of an old house
and repayment of loans from other housing finance companies. Under this product, amounts up to Rs. 10 million may be
borrowed and we offer flexible repayment periods of up to 25 years. Tax benefits are also available to eligible customers
including income tax exemptions.
Baroda Home Improvement Loan
Under this product we offer loans to customers for repairs, renovations, improvements, extensions of existing properties
and for the purchase of furniture, fixtures, furnishing including fans, geysers and air conditioners. Group borrowers and
employees of approved organizations may also be eligible for concessions for Home Improvement Loans for the purpose
of conducting repairs required on account of natural disasters such as floods, cyclones and earthquakes.
Baroda Education Loan
Through our education loan products we offer retail customers support for school, graduate and post-graduate education.
The Baroda Vidya loans of up to Rs. 400,000 are available for studies between Nursery and Standard XII. The Baroda
Gyan loan product permits borrowings of up to Rs. 750,000 and is designed for students in India pursuing graduate,
post-graduate, professional and other courses following completion of school. For students attending professional and
technical studies outside India, we offer the Baroda Scholar loan. Available in foreign currencies if required, loans of up
to Rs. 1.5 million may be made with a repayment period of up to five years. Our recently introduced educational loan is
a product designed for working executives who are not eligible for our other educational products. The Baroda Loan for
Executive Development has been established to assist executives undertake specialized management courses. Loans of
up to Rs. 800,000 are available for this purpose.
Educational loan products provided by us may be used for fees payable to educational institutions, examination costs,
library or laboratory fees, fees and other charges payable to accommodation providers and to assist students in the
purchase of books, equipment, instruments and uniforms.

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