Bank of baroda

BANK OF BARODA
Baroda Car Loan
We provide loans up to Rs. 1 million to finance the purchase of new and used automobiles.
Baroda Two Wheeler loan
Available for all two wheelers, this loan product allows customers to borrow from Rs. 5,000 to Rs. 100,000, secured
against the vehicle. The loan is to be repaid in a maximum of 60 months from the date of the loan.
Baroda Consumer Durables Loan
We provide personal loans up to a maximum of Rs. 100,000 for the purchase of consumer durables. These loans are
typically made for a period of up to five years and secured against the durables purchased. Further security is required
for loans in excess of Rs. 50,000.
Baroda Personal Computer Loans
Available for computer hardware (up to Rs. 100,000) and software (up to Rs. 20,000), our personal computer loans allow
individuals, families and small businesses obtain up to date technology.
Baroda Personal Loans and Marriage Loan
We offer loans of between Rs. 20,000 and Rs. 200,000 to customers to cover expenses such as unexpected medical
expenses, travel expenses and honeymoon holidays. We offer a maximum repayment period of 48 months. We also offer
is the Baroda Marriage Loan, which gives the flexibility of a personal loan as high as Rs. 200,000 to cover the expenses
associated with wedding arrangements.
Baroda Vaibhav Lakshmi
We extend loans to working women up to a maximum of Rs. 200,000. We offer a maximum repayment period of three
years. We do not take any margin or security for this loan.
Baroda Festival Loans
Our Festival Loan facility provides loans up to a maximum of Rs. 50,000. The loans are intended to meet expenses
associated with festivals, purchase of gifts and purchase of food grains, oil and other grocery items for the full year. Usual
repayment terms of 10 months are offered to customers taking out festival loans.
Baroda Advance against Securities
We are able to provide advances against national savings certificates, Kisan Vikas Patra, Indira Vikas Patra, Life Insurance
Polices, Relief Bonds, eligible Government Bonds and shares.
Baroda Advance against Property
For properties in urban and metro centers, we offer loan/ overdrafts against unencumbered property. Professionals,
salaried individuals and self-employed businessmen are able to take advantage of this product by borrowing up to a
maximum of Rs. 5 million with a repayment period of ten years for overdraft facilities and seven-years for loans.
Baroda Doctors Loans
We offer an exclusive product to cater to the financial needs of medical practitioners. Under this scheme, an amount upto
Rs. 5 million can be availed way of loan and/or an overdraft facility for the purchase of medical equipments, development
of clinic, purchase of ambulance etc.
Baroda Desh Videsh Yatra Loan
We extend loans to finance the expenses that may be incurred in the course of travelling within India or and abroad. This
facility is available to salaried or self-employed individuals, professionals and businessmen having regular and stable
income. A maximum amount of Rs. 0.2 million and Rs. 1 million may be availed for travel in India and abroad respectively.
Such loans are typically repayable in three years.

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Baroda Loan for IPO Subscription
We extend loans upto a maximum of Rs. 1 million to individuals for subscribing to equity shares in public issues. The
margin money payable for such loans is 50% of the loan extended. Such loans are required be repaid within 90 days.
Baroda Loans to Pensioners and Defence Pensioners
We extend loans to pensioners up to Rs. 0.1 million rising to Rs. 1.5 million for retired defence personnel and their
spouses.
Baroda Professional Loans
We extend loans to professionals and self-employed individuals including, doctors, chartered accountants, interior
decorators, architects, practising company secretaries and travel agents. Amounts between Rs. 25,000 and Rs. 2.5 million
may be borrowed under this product.
Baroda Traders Loan
The Baroda Traders Loan enables individuals and bodies such as partnership firms and co-operative societies to raise
working capital or undertake development of workspace by way of loan or overdraft. Loans under this facility are limited
to Rs. 10 million and subject to a maximum term of five years.
Baroda Loans against Future Rent Receivable
The Loans against Future Rent Receivables product has been developed following the growth of real estate in various
metropolitan and urban centers. Through this facility we are able to offer loans secured against the future rental receipts
of commercial properties and shopping malls.
Baroda Eco-friendly Gas Kit Loan
We provide loans of up to Rs. 25,000 for the installation of eco-friendly gas kits in cars, which are often secured by the
automobile or other acceptable security.
New Retail Banking Initiatives
As part of our strategy to grow our retail banking business, we have undertaken the following initiatives:
Customising products for specific borrower groups such as group of employees, teachers, defence personnel,
among others, and offering incentives for such borrowers such as concessional rates of interest or waiving processing
and documentation charges;
Rolling-out our Lending Automation Processing Software package in all metro and urban branches to simplify and
speed up the authorisation and processing of loans and ensure consistency amongst branches. As at November
30, 2005, Lending Automation Processing Software had been rolled-out in 185 branches of which 71 were dedicated
corporate branches; and
Establishing Baroda Moneyplexes, which are essentially dedicated retail centres within branches with staff with
authority to undertake the processing of loans and make credit decisions. As at November 30, 2005, 62 Moneyplexes
had been rolled-out. Moneyplexes are designed to promote all of our retail products, and will allow us to foster
relationships with service providers such as builders, educational institutions, car manufacturers and dealers and
white goods suppliers and enter into tie-ups and strategic alliances in the future.
Establishing ten ‘Centralized Processing Cells’ in eight metro/ urban centres for speedier appraisal, processing and
sanctioning of retail proposals by using Lending Automation Processing Software to improve turn around time of
the branches located at these centres. Theses ten Centralized Processing Cells are providing services to 303
branches.