BarodaTwoWheelerLoan:

For those individuals who prefer to travel more conservatively or to get to their destinations
faster, a two-wheeler is as much a boon as it is to a car owner. With newer models coming out
each year, the options available to the customer are both attractive as well as convenient.

Bank of Baroda's Two-Wheeler Loan make it possible to purchase a two-wheeler and pay
back in easy monthly instalments, thereby reducing the burden of a one-time payment.

All resident Indians, salaried, professionals, self-employed, businessmen and farmers can apply
for this loan.

Terms & Conditions

 Finance for a minimum of Rs. 5000 and a maximum of Rs. 1 Lakh (or five times of the
monthly income, whichever is less) can be availed of through the loan.

 Margin of 10% on loan amount.

 The loan amount can be repaid in maximum 60 months from the date of disbursement of
loan.

Baroda Career Development

Gainfully employed persons intend to pursue higher education, vocational courses, trainings,
pilot trainings, skill up gradation, diploma or degree courses offered in aviation, hospitality and
travel management, executive development etc. in India / abroad.

Eligiblity of Courses :

 Graduate, Post Graduate, Diploma, Professional Courses, Specialization courses offered

by reputed Universities/ Institutions (Indian or Overseas), having assured employment
prospects,

 Skill up gradation courses offered by various institutes (Indian/Overseas), having assured

employment prospects,

 Courses offered by Hospitality Management Institutes for Skill upgrade/Short course/

Training etc.
  Pilot Training Courses, offered by reputed Institutions (Indian or Overseas), approved by
Director General of Civil Aviation (DGCA) /International Civil Aviation Organization
(ICAO).

Student Eligiblity :

 Should be an Indian National.

 Have secured admission to the course through entrance test / merit based selection
process.

Loan Against Future Rent Receivables

Has been developed considering the growth potential in the real estate in various metros and
urban centers, where many commercial properties/shopping malls are being developed and the
owners approach banks for loans against securitization of future rent receivables from such
properties.

Key Benefits

 The scope for the New Product has been kept wide to cover the target groups, viz. owners
of immoveable properties (lessor) belonging to all types of the constitution.

 The minimum and maximum loan limits are fixed at Rs.1 lac and Rs.1000 lacs
respectively.

Baroda Home Loans to NRIs / PIOs

Bank of Baroda presents yet another innovative product in the form of Baroda Home Loans to
NRIs / PIOs, a unique housing loan facility designed specially for Non Resident Indians (NRI)
and Person of Indian Origin (PIO).

Key Benefits

 A loan product tailor-made for NRI / PIO needs

 Opt for Flexi Rate plan to hedge the interest rate risk by breaking the loan into two
separate accounts

 Free property insurance and personal accident insurance

 No pre payment / foreclosure charges for part as well as full prepayment (when repaid
from own sources by the borrower) .
Baroda Home Loans to NRIs / PIOs:

Bank of Baroda presents yet another innovative product in the form of Baroda Home Loans to
NRIs / PIOs, a unique housing loan facility designed specially for Non Resident Indians (NRI)
and Person of Indian Origin (PIO).

Key Benefits

 A loan product tailor-made for NRI / PIO needs

 Opt for Flexi Rate plan to hedge the interest rate risk by breaking the loan into two
separate accounts

 Free property insurance and personal accident insurance

 No pre payment / foreclosure charges for part as well as full prepayment (when repaid
from own sources by the borrower)

Deposits:

 Bank of Baroda offers various deposit plans that you can choose from depending on the
term period, nature of deposit and its unique saving and withdrawal features.
 Apart from competitive interest rates and convenient withdrawal options, our deposit
plans offer other features such as overdraft facility, outstation cheque collections, safe
deposit lockers, ATM's etc.
 Choose from Fixed, Current and Savings Deposit plans.
 Fixed deposits are categorised into deposits with a term period of less than 12 months,
more than 12 months and recurring deposits. These deposit plans offer convenient
solutions to both working individuals as well as senior citizens.
 Current and saving deposits are ideal for individuals who wish to take advantage of
multiple benefits within the same plan and even be eligible to opt for overdrafts.

Gen Next Services:

Gen-Next Junior (Saving Account)

Product Nature

 This is a Special kind of Savings Bank Deposit product for children to be made available
in Gen-Next Pune branch.

Gen-Next Lifestyle
Type Of Facility

 Term Loan (Combo Pack)

Purpose

 Purchase of Home Furnishings / Consumer Durable goods (includes color T.V., video
camera / refrigerator / washing machine / music system / air-conditioners / cooking
system etc).
 Purchase of vehicle i.e. two-wheeler / four-wheeler.
 Purchase of Laptop / PC.
 Purchase of any new electronic gadgets like Mobile, i-Pod, Handycam etc.

Target Group

Working Gen-Next Power (OD Facility)

Product Nature

 This is a special Savings Deposit product having an in built feature of overdraft facility to
be available at Gen-Next Pune branch.

Target Group

 The product is targeted to working executives and other working professionals.

Our Bank’s Staff members are not eligible to avail the product.

. Gen-Next Suvidha :

Product Nature :

 This is a Recurring Deposit product enabling the customer to make regular savings on
monthly basis and earn higher interest.

Customer Segment :

 Individuals in their single / joint names.

 Minors of age 10 years and above jointly with their parents / natural guardians.
 Minors below 10 years age through their parents.