ANNEXURE TO RETAIL LOAN APPLICATION
“ALL IN COST” FOR RETAIL LOANS

UNIFIED PROCESSING CHARGES: includes processing charges, documentation charges, document verification charges and pre & one time post sanction inspection charges.
Sr.No.
RETAIL PRODUCT
CHARGES
1.
Baroda Home Loan
Takeover of Home loan
Loans upto Rs. 20/- lacs : 0.35%.
Loans above Rs. 20/- lacs : 0.40%
Maximum : Rs. 15000/-
(service tax (ST) to be recovered separately in addition to above)
0.10% maximum Rs. 5000/- +ST.
2.
Baroda Auto Loan
a. Car Loan upto
Rs.15 lac
b. Car Loan to HNIs / Corporates over Rs.15 lacs
c. Two wheeler loan
0.75% maximum Rs. 6000/- +ST
0.50% maximum Rs. 15000/- +ST
2.00% minimum Rs. 250/- +ST
3.
Baroda Education Loan
a. Baroda Vidhya
b. Baroda Gyan
c. Baroda Scholar
NIL
NIL
1% (to be refunded after availment of loan)
4.
Baroda Personal Loan
2% minimum Rs. 250/- +ST except following:
Loan to Pensioners – Rs. 100/- +ST fixed and
Loan for Earnest Money Deposit: 0.35% +ST
 Processing charges are to be recovered upfront.
 50% of processing charges recovered upfront may be refunded if advance is sanctioned but not availed by the borrower.
 No Processing charges, if loan is not sanctioned upto Rs. 5.00 lacs.
Charges in respect of Advocate and Valuer:
Legal opinion fee and valuation charges are to be recovered on actual basis in addition to above Unified Processing Charges.
PREPAYMENT CHARGES:
Sr.No.
RETAIL PRODUCT
CHARGES
1.Baroda Home Loan NIL
2.Baroda Auto Loan NIL
3.Baroda Education loan NIL
4 Baroda Personal Loan NIL

INSPECTION CHARGES:
Sr.No.
RETAIL PRODUCT
CHARGES
1.
Baroda Home Loan
Post Inspection: 1st post inspection –NIL
2nd & onwards – Rs.100/- + out of pocket charges + conveyance charges (per inspection) +Service Tax
2.
Baroda Auto Loan
Post Inspection: 1st post inspection –NIL
2nd & onwards – Rs.100/- + out of pocket charges + conveyance charges (per inspection) + Service Tax
3.
Baroda Education loan
NIL
4.
Baroda Personal Loan
NIL
INTEREST RATE: Interest Rates chart is to be provided as applicable from time to time (Subject to change from time to time).
For present interest rate on Retail Loans, Click here
LEGAL REPORTS / VALUATION CHARGES:
Actual Charges is to be recovered.
CONVERSION CHARGES FROM FIXED TO FLOATING:
Baroda Home Loan: (applicable for loans sanctioned under fixed rate option)
From Fixed to Fluctuating rate option –
 One time process.
 @ 0.50% for every year for the residual period of the loan maximum 2% +ST of the amount outstanding on the date of allowing conversion.
 With a condition to charge fee for premature closure (@ 0.5% +ST of balance outstanding for each year of the residual period of housing loan, subject to maximum of 3%) be stipulated and borrower’s acceptance to this be taken.
From Fluctuating to Fixed rate option – Option is not available