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Baroda Advance Against Securities (National Savings Certificate)

A Bank of Baroda term loan, demand loan or overdraft secured by National Savings Certificates. Public borrowers have no stated maximum ceiling; minimums are ₹3,000 for term/demand and ₹20,000 for overdraft. A lien must be recorded with the issuing post office before disbursement.

Interest rateDemand/term: higher of 1.00% above the NSC rate or BRLLR + Strategic Premium + 1.50% p.a.; overdraft: higher of 1.25% above the NSC rate or BRLLR + Strategic Premium + 1.75% p.a.; staff: 0.50% above the NSC rate. The current effective-rate cells show a dash.Maximum financePublic borrowers: no individual ceiling is stated. Staff: up to five times gross salary. Minimum facility: ₹3,000 for term/demand or ₹20,000 for overdraft.Processing fee₹500 + GST.
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Quick eligibility check

Baroda Advance Against Securities (National Savings Certificate)

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your age meet this requirement: Resident individuals aged 21 years or older?

Published source: Eligibility

2Do you meet this requirement: The eligible NSC must be pledged and Bank of Baroda's lien recorded with the issuing post office before disbursement?

Published source: Eligibility

3Do you meet this requirement: third-party advances are not permitted?

Published source: Eligibility

4Does your age meet this requirement: Resident individuals aged 21 years and above?

5Do you meet this requirement: the advance is against NSCs with the issuing post office's lien noted and third-party advance is not permitted?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 28 Sept 2026 · active
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Maximum financePublic borrowers: no individual ceiling is stated. Staff: up to five times gross salary. Minimum facility: ₹3,000 for term/demand or ₹20,000 for overdraft.View source
The feature row states no ceiling per individual for public borrowers, up to five times gross salary for staff, and separate term/demand and overdraft minimums.
Source
Baroda Advance Against Securities (National Savings Certificate) — current page
Page / section
Features — Loan Limit
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Processing fee₹500 + GST.View source
The current product page lists a ₹500 processing charge plus .
Source
Baroda Advance Against Securities (National Savings Certificate) — current page
Page / section
Processing Charges
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
EligibilityResident individuals aged 21 years or older. The eligible NSC must be pledged and Bank of Baroda's lien recorded with the issuing post office before disbursement; third-party advances are not permitted.View source
The eligibility and sections require resident-individual applicants aged at least 21, lien notation with the issuing post office before disbursement, and disallow a third-party advance.
Source
Baroda Advance Against Securities (National Savings Certificate) — current page
Page / section
Eligibility;
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Loan typeSecured loan against investments, deposits or receivablesView source
The official product name identifies this as “Baroda Advance Against Securities (National Savings Certificate)”.
Source
Baroda Advance Against Securities (National Savings Certificate) — official product page
Page / section
Official product name and loan classification
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Facility typesTerm loan, demand loan and overdraft against National Savings Certificates (NSCs).View source
Type Of Facility: Term/Demand Loan & Overdraft.
Source
Baroda Advance Against Securities (National Savings Certificate) — current official page review
Page / section
Features — Type Of Facility
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Lien requirementThe advance is disbursed only after Bank of Baroda's lien is noted with the post office that issued the NSCs.View source
The says the advance will be disbursed only after getting the Bank's lien noted with the issuing post office.
Source
Baroda Advance Against Securities (National Savings Certificate) — current official page review
Page / section
Most Important Terms and Conditions () — lien
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Third-party advanceAdvance to a third party is not permitted.View source
The expressly states that advance to a third party is not permitted.
Source
Baroda Advance Against Securities (National Savings Certificate) — current official page review
Page / section
Most Important Terms and Conditions () — third-party advance
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Customer limitPublic customers have no ceiling per individual; staff customers may receive up to five times gross salary. Minimum is ₹3,000 for term/demand loan and ₹20,000 for overdraft.View source
The page publishes no ceiling for public customers, five times gross salary for staff, and separate minimums for term/demand and overdraft.
Source
Baroda Advance Against Securities (National Savings Certificate) — current official page review
Page / section
Features — Maximum Limit Per Individual and Minimum Loan Limit
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Rate benchmarkThe formula compares the NSC certificate rate with Bank of Baroda BRLLR + Strategic Premium; the facility-specific spread is added to each alternative.View source
The product page identifies the rate and + Strategic Premium alternatives and states that a different spread applies by facility type.
Source
Baroda Advance Against Securities (National Savings Certificate) — current pricing
Page / section
Interest rates and charges — Repo Rate + Spread column
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Minimum facility amount₹3,000 for term/demand loan; ₹20,000 for overdraft.View source
The current feature table gives distinct ₹3,000 term/demand and ₹20,000 overdraft minimum amounts.
Source
Baroda Advance Against Securities (National Savings Certificate) — current page
Page / section
Features — Minimum Loan Limit
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Rate conversion chargeWhen switching the interest rate: 0.10% of the outstanding balance plus any undisbursed amount; minimum ₹1,000 + GST per account for each conversion.Effective 1 Apr 2025View source
For Advance Against Securities ( / LIP / / E- / Relief Bonds / Govt. Bonds), the page lists 0.10% on outstanding balance plus undisbursed portion, if any, and a minimum ₹1,000 + per account at each conversion. The row states no maximum.
Source
Bank of Baroda Service Charges — conversion charges
Page / section
Retail Product table effective 1 April 2025 — Conversion Charges; Advance Against Securities row
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Penal chargesThe bank's schedule effective 1 April 2026 sets overdue-payment charges by priority-sector classification and sanctioned amount: priority-sector rows show Nil below ₹50,000, 1% p.a. above ₹50,000 but below ₹2 lakh, and 2% p.a. above ₹2 lakh; other-than-priority rows show Nil up to ₹10,000 and 2% p.a. above ₹10,000. It also lists 2% p.a. for specified overdue overdraft regularisation and sanction-condition breaches. Charges are for the actual default period; total penal charges are capped at 4% p.a. of outstanding credit facilities. The sanction determines which provisions apply.Effective 1 Apr 2026View source
The complete two-page was visually reviewed in the existing source-family audit. The product pages do not identify a borrower's priority-sector classification; neither overdue slab is selected. Rows for working-capital reporting are not presented as /LIP//bond product conditions.
Source
Penal Charges for various types of non-compliances of sanction terms and conditions in Loans and Advances
Page / section
page 1, rows 1–3; page 2, rows 11, 13–14 and general notes
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Interest rateDemand/term: higher of 1.00% above the NSC rate or BRLLR + Strategic Premium + 1.50% p.a.; overdraft: higher of 1.25% above the NSC rate or BRLLR + Strategic Premium + 1.75% p.a.; staff: 0.50% above the NSC rate. The current effective-rate cells show a dash.Effective 12 Sept 2026View source
The current product page publishes facility-specific higher-of formulas and a dash in the effective-rate cells; the dated rate schedule was checked for the current rate reference. No all-in rate is inferred.
Source
Baroda Advance Against Securities (National Savings Certificate) — current pricing
Page / section
Interest rates and charges — demand/term, overdraft, staff and effective-rate cells
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosure chargeFor fixed-rate advances against securities: 1% + GST on the outstanding amount.View source
The current service-charge page specifies 1% + on outstanding amount for fixed-rate advances against securities, not floating-rate facilities.
Source
Bank of Baroda Service Charges — prepayment charges
Page / section
Pre-Payment Charges under Fixed Rate Retail Loans — Advance Against Securities
Accessed
23 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Term/demand loan or overdraft against a National Savings Certificate ().
  • Minimum facility is ₹3,000 for a term or demand loan and ₹20,000 for an overdraft; public customers have no maximum ceiling and staff are capped at five times gross salary.
  • The page publishes benchmark-linked pricing and a ₹500 processing charge plus .
  • The may be pledged only after the issuing post office notes the Bank of Baroda lien; third-party advances are not permitted.

Eligibility

  • Resident individuals aged 21 years and above
  • the advance is against with the issuing post office's lien noted and third-party advance is not permitted.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Not published on the reviewed official page; its Documents/Form link does not display a document checklist.

Related official documents

Baroda Advance Against Securities (National Savings Certificate) — official product pageofficial-product-page · current · accessed 29 Aug 2026
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Bank of Baroda advances against securities — current product pagesofficial-product-pages · current · accessed 29 Aug 2026
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Bank of Baroda Retail Loans Interest Rates — Baroda Advance Against Securitiesofficial-interest-rate-page · current · accessed 29 Aug 2026
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Baroda Advance Against Securities (National Savings Certificate) — current official page reviewofficial-product-page · current · accessed 15 Sept 2026
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Baroda Advance Against Securities (National Savings Certificate) — complete current-page reviewofficial-product-page · current; complete page reviewed 2026-09-23 · accessed 23 Sept 2026
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Baroda Advance Against Securities (National Savings Certificate) — current complete product-page reviewofficial-product-page · current; complete rendered page review · accessed 28 Sept 2026
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Bank of Baroda Download Forms — NSC application-form inventoryofficial-forms-index · current; targeted product-form inventory complete · accessed 23 Sept 2026
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Bank of Baroda Other Loans listing — NSC image identity checkofficial-category-listing · targeted image-source review; no NSC-specific card image found · accessed 23 Sept 2026
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Penal Charges for Loans and Advances — effective 1 April 2026official-linked-pdf · current; complete two-page review · accessed 23 Sept 2026
↗
All-in Cost for Retail Loans — official linked PDF, complete visual reviewofficial-linked-pdf · Complete four-page visual and text review; legacy/undated tariff conflicts with current product/FAQ statements. · accessed 24 Sept 2026
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Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 2026
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Retail Loans Interest Rates — current BRLLR/MCLR benchmarks and pre-owned auto rate rowsofficial-rate-page · Current official schedule manually rechecked 2026-09-27; dedicated product-page range and GCLI wording conflict with this schedule · accessed 27 Sept 2026
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List of Important Terms and Conditions of Loan/Advances — generic MITC template, complete visual reviewofficial-linked-pdf · Complete two-page visual and text review; generic disclosure template only. · accessed 24 Sept 2026
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Model Checklist for Retail Loans — official linked PDF, complete visual reviewofficial-linked-pdf · Complete six-page visual and text review; generic checklist only, product page controls where requirements differ. · accessed 24 Sept 2026
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Bank of Baroda Service Charges — securities advance rate-switching and fixed-rate prepaymentofficial-service-charge-page · current targeted review; relevant securities rows checked 2026-09-23 · accessed 23 Sept 2026
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Service Charges — retail loan rate-conversion and auto-loan prepayment scheduleofficial-service-charge-page · Current official service-charge page manually rechecked 2026-09-27; schedule itself identifies effective date 2025-04-01 · accessed 27 Sept 2026
↗
Bank of Baroda Service Charges — advances against securities and Baroda Ashrayofficial-service-charge-schedule · current · accessed 29 Aug 2026
↗

Plan before applying

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Loan repayment estimate

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One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Kisan Vikas Patra / e- · Facility and amountDemand, overdraft or term loan; minimum ₹3,000 term/demand and ₹20,000 overdraft; no ceiling

This value is copied from Bank of Baroda advances against securities — published terms. Check the table notes before relying on it.

Source: Bank of Baroda advance-against-securities product pages · Eligibility; Loan amount; Rate of interest; Processing charges; Security; Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 6 columnsBank of Baroda advances against securities — published termsComparison-ready transcription of the four official pages reviewed on 29 August 2026.View tableHide table

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Bank of Baroda advances against securities — published terms
SecurityFacility and amountPricingEligibility and securityTenure / chargesComparison gaps
Kisan Vikas Patra / e-Demand, overdraft or term loan; minimum ₹3,000 term/demand and ₹20,000 overdraft; no ceilingHigher of rate + 1.00% or + + 1.50% for term/demand; higher of + 1.25% or + + 1.75%Resident individual aged 21+; eligible /e-; third-party advance not permitted; up to 80–85% of face value in 12 months subject to satisfactory conduct/review; ₹500 + processingNo separate , numeric income threshold or prepayment charge published
Life-insurance policiesTerm/demand or overdraft; minimum ₹3,000 term/demand and ₹20,000 overdraft; no ceiling + + 1.50% term/demand; + + 1.75% ; current rate 9.20–9.45%Resident individual aged 21+; policy premiums paid for at least 3 years; qualifying assigned policy; third-party, minor-assigned and MWPA policies excluded; up to 80–85% surrender valueLoan up to 60 months; 12 months subject to annual review; ₹500 + processingNo separate , numeric income threshold or prepayment charge published
National Savings CertificateDemand, overdraft or term loan; minimum ₹3,000 term/demand and ₹20,000 overdraft; public customers no ceilingHigher of rate + 1.00% or + + 1.50% for term/demand; higher of + 1.25% or + + 1.75%Resident individual aged 21+; lien with issuing post office; third-party advance not permittedFacility type and margins published; no fixed tenure; ₹500 + processingNo separate , fixed tenure or prepayment charge published
Relief / Government bondsDemand, overdraft or term loan; minimum ₹3,000 term/demand and ₹20,000 overdraft; no ceiling + + 1.50% term/demand; + + 1.75% ; current rate 9.20–9.45%Resident individual aged 21+; eligible /Government bonds; repayment capacity assessed; third-party advance not permitted; 80–85% face value in Loan up to 35 months; terms subject to review; ₹500 + processingNo separate , numeric income threshold or prepayment charge published
  • The pages' 0.00% or '-' effective-rate displays are not treated as . Benchmark-plus-spread formulas, face-value/surrender-value margins and rates are retained as separate facts.
Bank of Baroda advance-against-securities product pages · Eligibility; Loan amount; Rate of interest; Processing charges; Security; · accessed 29 Aug 2026Open official source ↗
Table 2 · 5 rows · 4 columnsBank of Baroda securities-backed loans and Baroda Ashray — published chargesThe current product-page facilities paired with the official Service Charges schedule.View tableHide table

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Bank of Baroda securities-backed loans and Baroda Ashray — published charges
FacilityPublished rate / limitProcessing chargeFixed-rate prepayment
/ e- advanceDemand/term: higher of 1.00% over rate or + + 1.50%; adds 0.25%₹500 + 1% + of outstanding
Life-insurance-policy advanceDemand/term + + 1.50%; + + 1.75%₹500 + 1% + of outstanding
advanceDemand/term: higher of 1.00% over rate or + + 1.50%; adds 0.25%₹500 + 1% + of outstanding
Relief / Government Bond advanceDemand/term + + 1.50%; + + 1.75%₹500 + 1% + of outstanding
Baroda Ashray reverse mortgage + + 2.35%; 15-year published term0.20%; ₹8,500 upfront, maximum ₹10,000 + 1% + of outstanding for fixed-rate loan
  • The product pages' effective-rate widgets are placeholders (dash or 0.00%) and are not treated as . Variable-rate conversion charges are separate from fixed-rate prepayment charges.
Bank of Baroda Service Charges with linked current product pages · Advance Against Securities; Baroda Ashray processing and pre-payment charges · accessed 29 Aug 2026Open official source ↗
Table 3 · 8 rows · 4 columnsBaroda Advance Against Securities — current published rate rowsExact rate and spread rows transcribed from Bank of Baroda’s current retail-loans rate page.View tableHide table

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Baroda Advance Against Securities — current published rate rows
Security productFacilityRepo Rate + SpreadEffective rate
Loan Against Demand Loan / Term Loan1.00% over rate or + S.P. + 1.50%, whichever is higher—
Loan Against Overdraft1.25% over rate or + S.P. + 1.75%, whichever is higher—
Loan Against Staff0.50% over rate—
Loan Against / e Demand Loan / Term Loan1.00% over rate or + S.P. + 1.50%, whichever is higher—
Loan Against / e Overdraft1.25% over rate or + S.P. + 1.75%, whichever is higher—
Loan Against / e Staff0.50% over rate—
Life Insurance Policies / Relief Bonds / Government BondsDemand Loan / Term Loan + + 1.50%9.65%
Life Insurance Policies / Relief Bonds / Government BondsOverdraft + + 1.75%9.90%
  • The page’s table is stated effective 6 December 2025. A dash is retained where the issuer does not publish an effective percentage; / rates must be determined from the stated comparison formula and applicable security rate.
Bank of Baroda Retail Loans Interest Rates — Baroda Advance Against Securities · Baroda Advance Against Securities · effective 6 Dec 2025 · accessed 29 Aug 2026Open official source ↗
Table 4 · 13 rows · 2 columnsNational Savings Certificate advance — current published termsCurrent feature, eligibility, pricing and MITC values from the official NSC advance page.View tableHide table

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National Savings Certificate advance — current published terms
ParameterPublished detail
FacilityTerm loan, demand loan or overdraft
Term/demand minimum₹3,000
Overdraft minimum₹20,000
Public maximumNo ceiling per individual
Staff maximumFive times gross salary
EligibilityResident individuals aged 21 years and above
Term/demand pricingHigher of 1.00% over the rate or + Strategic Premium + 1.50% p.a.
Overdraft pricingHigher of 1.25% over the rate or + Strategic Premium + 1.75% p.a.
Staff pricing0.50% over the rate
Effective rateDash in the current page's effective-rate cells
Processing charge₹500 +
LienBank of Baroda lien must be noted with the issuing post office before disbursement
Third-party advanceNot permitted
  • No minimum-income threshold or fixed repayment tenure appears in the reviewed page; those comparison values are left blank.
Baroda Advance Against Securities (National Savings Certificate) — complete current-page review · Features; Eligibility; Interest rates and charges; Processing Charges; · accessed 23 Sept 2026Open official source ↗
Table 5 · 1 row · 2 columnsRate-switch conversion charge — advances against securitiesCurrent published conversion-charge row for the securities-backed product family.View tableHide table

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Rate-switch conversion charge — advances against securities
Product / actionPublished charge
Advance Against Securities ( / LIP / / E- / Relief Bonds / Government Bonds); whenever borrower opts to switch 0.10% on outstanding balance plus undisbursed portion, if any; minimum ₹1,000 + per account at each conversion
  • The row states a minimum but no maximum charge.
Bank of Baroda Service Charges — conversion charges · Retail Product table effective 1 April 2025 — Conversion Charges; Advance Against Securities row · effective 1 Apr 2025 · accessed 23 Sept 2026Open official source ↗
Table 6 · 9 rows · 2 columnsOverdue and sanction-condition charges — securities advancesRelevant rows from the bank-wide schedule; the borrower's priority-sector classification and sanction terms determine applicability. The complete 14-row source table and notes remain in the source review record.View tableHide table

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Overdue and sanction-condition charges — securities advances
Condition / classificationPublished charge
Priority-sector overdue payment; sanctioned amount below ₹50,000Nil
Priority-sector overdue payment; sanctioned amount above ₹50,000 but below ₹2 lakh1% p.a. on the amount of default
Priority-sector overdue payment; sanctioned amount above ₹2 lakh2% p.a. on the amount of default
Other-than-priority-sector overdue payment; sanctioned amount up to ₹10,000Nil
Other-than-priority-sector overdue payment; sanctioned amount above ₹10,0002% p.a. on the amount of default
Delayed regularisation of a sanctioned temporary overdraft, excess or ad-hoc limit2% p.a. for the default period beyond the due date of regularisation
Non-submission of documents required by sanction terms2% p.a. on outstanding credit facilities for the default period
Failure to perfect security as required by sanction terms2% p.a. on outstanding credit facilities for the default period
Other material breach/non-compliance in sanction terms2% p.a. on outstanding credit facilities for the default period
  • This product page does not establish whether the borrower's facility is classified as priority sector; the relevant classification and sanctioned amount must be confirmed from the sanction.
  • The source table's priority-sector rows use strict 'below' and 'above' boundaries; the exact ₹50,000 and ₹2 lakh boundary treatment is not explicit in those rows.
  • Charges apply only during non-compliance, are calculated monthly for the actual default period, and total penal charges are capped at 4% p.a. of outstanding credit facilities; no additional penal charge is levied on prior penal charges.
  • Working-capital stock-statement, QIS, financial-statement and renewal-document rows in the full bank-wide table are not listed here as product conditions because these source reviews do not establish them for these securities facilities.
Penal Charges for various types of non-compliances of sanction terms and conditions in Loans and Advances · page 1, rows 1–3; page 2, rows 11, 13–14 and general notes · effective 1 Apr 2026 · accessed 23 Sept 2026Open official source ↗

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Baroda Advance Against Securities( Life Insurance Policies)

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Baroda Advance against the securities (Relief Bonds /Government Bonds)

Bank of Baroda offers demand loans, term loans and overdrafts secured by eligible Relief or Government bonds. Published minimums are ₹3,000 for demand/term loans and ₹20,000 for overdrafts; the bank states no maximum ceiling. Its says government savings-bond advances may reach 80%–85% of face value.

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