Home > Interest Rates


Deposits

Interest Rate p.a. % Effective Interest Rate p.a. %

TERM DEPOSITS UPTO $99,999.99

Present Intrest Rate  
Baroda Term Deposit Account (Retail)    
Minimum Opening Deposit - $500.00    
Minimum Operating Balance - $500.00    
Baroda Term Deposit MIP/QIP    
Minimum Opening Deposit - $500.00    
Minimum Operating Balance - $500.00    

Period

                      
1 month to less than 3 months 1.00 1.00
3 months to less than 6 months 1.00 1.00
6 months to less than 9 months 1.50 1.50
9 months to less than 12 months 2.00 2.00
12 months 2.25 2.25
Above 12 months to less than 24 months 2.25 2.25
24 months to less than 36 months 2.50 2.50
36 month to less than 60 months 2.75 2.75
60 month to 120 months 3.00 3.00

TERM DEPOSITS OF $100,000 AND ABOVE

Negotiable

Depends on the interest rate offered
Rawarawa(Recuring) Deposit    
Minimum Opening Deposit - $25.00 per month    
Minimum Operating Balance - $25.00 per month    

Period

   
12 months 2.25 2.27
24 months 2.50 2.55
36 months 2.75 2.85
48 months 2.75 2.90
60 months 3.00 3.22
72 months 3.00 3.27
84 months 3.00 3.32
96 months 3.00 3.37
108 months 3.00 3.43
120 months 3.00 3.48
SAVING PRODUCTS

Interest will be payable monthly on monthly minimum balance in the accounts.

Interest Rate p.a. % Effective Interest Rate p.a. %
Baroda Passbook Saving Account      
(Without Cheque Book)
   
Minimum Opening Deposit - $50    
Minimum Operating Balance - $50    

General, Students, NRE

   
$500/- and <$1,000/- 0.10 0.10
$1,000/- and <$2,000/- 0.15 0.15
$2,000/- and <$5,000/- 0.30 0.30
$5,000/- and above 0.55 0.55

Clubs & Charitable Institutions

   
$500/- and <$1,000/- 0.10 0.10
$1,000/- and <$2,000/- 0.15 0.15
$2,000/- and <$5,000/- 0.30 0.30
$5,000/- and <$10,000/- 0.50 0.50
$10,000/- and above
0.55 0.55
Baroda Senior Citizen - Passbook &
Cheque Book Savings Account
   
Minimum Opening Deposit - $20    
Minimum Operating Balance - Nil    
$500/- and <$1,000/- 0.25 0.25
$1,000/- and <$2,500/- 0.30 0.30
$2,500/- and <$5,000/- 0.50 0.50
$5,000/- and above 0.60 0.60
Baroda Cheque Book Saving Account    
Minimum Opening Deposit - $250    
Minimum Operating Balance - $250    

Baroda Small Saving Account

0.55 0.55
Minimum Opening Deposit - $10    
Minimum Operating Balance - $10    

Baroda Zero Balance Saving Account

0.55 0.55
Minimum Opening Deposit - $0    
Minimum Operating Balance - $0    



Loans

Name of Product

Interest Rate p.a %

Effective Interest Rate p.a. %

Baroda Home /Loan/Home improvement Loan 4.50 fixed for 1st year 4.59 fixed for 1st year
4.50 fixed for 2nd year 4.59 fixed for 2nd year
6.15 variable thereafter 6.32 variable thereafter
Business/Commercial OD/Loan    
Less than $50,000/- 11.00 variable 11.57 variable
$50,000/-to $200,000/- 10.00 variable 10.47 variable
Above $200,000/- Negotiable Depends on the Interest rate charged
Baroda Farm Loan 10.50 variable 11.02 variable
Baroda Car Loan 8.50 variable 8.84 variable
Baroda Personal Loan-secured 12.50 variable 13.24 variable
Baroda Personal Loan-unsecured (soft loan) 14.75 fixed 15.78 fixed
Baroda Loan / 0D against Life Policy 10.50 variable 11.02 variable
Baroda Property Loan 10.50 variable 11.02 variable
Baroda Education Loan 8.50 variable 8.84 variable
Baroda Traders Loan 8.50 variable 8.84 variable
Baroda Micro Loan 10.00 fixed 10.47 fixed
Baroda Loan for Micro and Small Enterprises 10.50 variable 11.02 variable
Baroda Loan / 0D against Bank's own deposit 3.00% over term deposit (variable) Depends on interest rate charged on term deposit
Baroda Loan / 0D against Bank's own deposit to third party up to $5000.00 3.75% over term deposit (variable) Depends on interest rate charged on term deposit
Baroda Loan / 0D against Bank's own deposit to third party above $5000.00 and all loans/0D for business purposes 4 to 5 percent over term deposit(variable) Depends on interest rate charged on term deposit

© 2013 Bank of Baroda, Fiji Territory, GPO. Box.57, Suva, Fiji Islands.