Baroda Loan/Overdraft Against Bank's Own Deposit

Individuals and Business concern having deposits with Bank of Baroda at any branch in Fiji can avail the loan facility against the deposits.

Demand Loan / Overdraft

Maximum 90% of Deposit

10%

The borrower has the option to repay Principal loan amount at the time of maturity of Term Deposit or fortnightly / monthly installments. If opted to repay principal at the time of maturity the interest would be repaid as and when applied. The total repayment period not to exceed in 7 years.

(Establishment Fees and Credit Service Fees are applicable only for:

1. Loan / OD against Bank's own Deposit to Third Party for loan amount of $5,000.00 and above.
2. Loan / OD against Bank's own Deposit for business purpose.)

Establishment Fees
Upto $1,000.00	$50.00
From $1,001.00 to $2,500.00	$100.00
From $2,501.00 to $5,000.00	$100.00
From $5,001.00 to $10,000.00	$200.00
From $10,001.00 to $20,000.00	$300.00
From $20,001.00 to $200,000.00	1.00% of Loan Amount / OD Limit
Above $200,000.00	0.75% of Loan Amount / OD Limit (Minimum $2,000.00)

Credit Service Fees
Upto $1,500.00	$5.00 per month
From $1,501.00 to $5,000.00	$15.00 per month
From $5,001.00 to $10,000.00	$20.00 per month
From $10,001.00 to $30,000.00	$35.00 per month
From $30,001.00 to $50,000.00	$70.00 per month
From $50,001.00 to $70,000.00	$100.00 per month
From $70,001.00 to $90,000.00	$120.00 per month
From $90,001.00 to $100,000.00	$140.00 per month
From $100,001.00 to $200,000.00	$240.00 per month
Above $200,000.00	0.125 % of Loan Amount / OD Limit per month (Minimum $240.00  and Maximum 1,500.00)

Excess Fees Charges
Upto $5,000.00	$25.00 per visit
From $5,001 To $10,000.00	$50.00 per visit
From $10,001.00 To $25,000.00	$100.00 per visit
Above $25,000	1.00% of excess / Adhoc per occassion

Loan Arrear Fees
Upto $500.00	2% p.a. additional interest on the overdue amount with minimum of $25.00 per month
From $501.00 To $1,000.00	2% p.a. additional interest on the overdue amount with minimum of $25.00 per month
From $1,001.00 To $2,500.00	2% p.a. additional interest on the overdue amount with minimum of $25.00 per month
From $2,501.00 To $5,000.00	2% p.a. additional interest on the overdue amount with minimum of $25.00 per month
Above $5,000.00	2% p.a. additional interest on the overdue amount with minimum of $25.00 per month

Opinion Fees
Local	$25.00 + Out of Pocket Expenses
Overseas	$50.00 + Out of Poecket Expenses

Modification in Terms and Conditions
For each modification	$100.00

Stamping / Up stamping
Free

Cheque Book Charges
$2.00 per fifty leaves book plus stamp duty as applicable (For Current and Overdraft Accounts)

Stop Payment Charges
$10. 00 per instrument

Duplicate Statement Fees
$5.00 per page Computer Printout $7.50 per page statement

Cheque Holding Charges
$15.00 per instrument per working day

Dishonour Cheque Charges
Outward-$25 per instrument

Cash Handling Charges
Total cash deposit below $5000 (per day)	Nil
Total cash deposit $5000 & above (per day)	0.50% of total cash deposit

Establishment Fees
Upto $1,000.00	$50.00
From $1,001.00 to $2,500.00	$100.00
From $2,501.00 to $5,000.00	$100.00
From $5,001.00 to $10,000.00	$200.00
From $10,001.00 to $20,000.00	$300.00
From $20,001.00 to $200,000.00	1.00% of Loan Amount / OD Limit
Above $200,000.00	0.75% of Loan Amount / OD Limit (Minimum $2,000.00)

Credit Service Fees
Upto $1,500.00	$5.00 per month
From $1,501.00 to $5,000.00	$15.00 per month
From $5,001.00 to $10,000.00	$20.00 per month
From $10,001.00 to $30,000.00	$35.00 per month
From $30,001.00 to $50,000.00	$70.00 per month
From $50,001.00 to $70,000.00	$100.00 per month
From $70,001.00 to $90,000.00	$120.00 per month
From $90,001.00 to $100,000.00	$140.00 per month
From $100,001.00 to $200,000.00	$240.00 per month
Above $200,000.00	0.125 % of Loan Amount / OD Limit per month (Minimum $240.00  and Maximum 1,500.00)

Excess Fees Charges
Upto $5,000.00	$25.00 per visit
From $5,001 To $10,000.00	$50.00 per visit
From $10,001.00 To $25,000.00	$100.00 per visit
Above $25,000	1.00% of excess / Adhoc per occassion

Loan Arrear Fees
Upto $500.00	2% p.a. additional interest on the overdue amount with minimum of $25.00 per month
From $501.00 To $1,000.00	2% p.a. additional interest on the overdue amount with minimum of $25.00 per month
From $1,001.00 To $2,500.00	2% p.a. additional interest on the overdue amount with minimum of $25.00 per month
From $2,501.00 To $5,000.00	2% p.a. additional interest on the overdue amount with minimum of $25.00 per month
Above $5,000.00	2% p.a. additional interest on the overdue amount with minimum of $25.00 per month

Opinion Fees
Local	$25.00 + Out of Pocket Expenses
Overseas	$50.00 + Out of Poecket Expenses

Modification in Terms and Conditions
For each modification	$100.00

Stamping / Up stamping
Free

Cheque Book Charges
$2.00 per fifty leaves book plus stamp duty as applicable (For Current and Overdraft Accounts)

Stop Payment Charges
$10. 00 per instrument

Duplicate Statement Fees
$5.00 per page Computer Printout $7.50 per page statement

Cheque Holding Charges
$15.00 per instrument per working day

Dishonour Cheque Charges
Outward-$25 per instrument

Cash Handling Charges
Total cash deposit below $5000 (per day)	Nil
Total cash deposit $5000 & above (per day)	0.50% of total cash deposit

• The Term Deposit Receipt against which loan is granted needs to be pledged with bank.
• In case of deposit is in the name of joint account holders, all joint account holder must discharge the receipt and give consent for Loan on Deposit.
• For further detail, please contact any branch.
• Terms and Conditions apply.