Current Baroda Prime Lending Rate (BPLR) w. e. f. 23.06.2025 is 7.51%
|
Product
|
Rate of Interest
|
|
Home Loan
|
|
Tenor/ Period of Loan
|
Old Rates from 01.11.2025
|
Revised Rates from 01.02.2026
|
|
Up to 10 years
|
5.25% above BPLR
|
|
HL1
|
5.25% above BPLR
|
|
HL2
|
6.25% above BPLR
|
|
HL3
|
7.25% above BPLR
|
|
HL4
|
8.25% above BPLR
|
|
HL5
|
9.75% above BPLR
|
|
HL6-
HL10
|
Not eligible for sanction
|
|
|
Above 10 years up to 15 years
|
6.75% above BPLR
|
|
HL1
|
6.25% above BPLR
|
|
HL2
|
7.25% above BPLR
|
|
HL3
|
8.25% above BPLR
|
|
HL4
|
9.75% above BPLR
|
|
HL5
|
10.25% above BPLR
|
|
HL6-
HL10
|
Not eligible for sanction
|
|
|
Above 15 years
|
8.00% above BPLR
|
|
HL1
|
7.25% above BPLR
|
|
HL2
|
8.25% above BPLR
|
|
HL3
|
9.75% above BPLR
|
|
HL4
|
10.25% above BPLR
|
|
HL5
|
10.75% above BPLR
|
|
HL6-
HL10
|
Not eligible for sanction
|
|
|
|
Vehicle Loan/ Car Loan
|
|
Tenor/ Period of Loan
|
Old Rates from 01.11.2025
|
Revised Rates from
01.02.2026
|
|
Up to 4 years
|
4.25% above BPLR
|
|
CL1
|
4.25% above BPLR
|
|
CL2
|
5.00% above BPLR
|
|
CL3
|
5.75% above BPLR
|
|
CL4
|
6.50% above BPLR
|
|
CL5
|
7.25% above BPLR
|
|
CL6-
CL10
|
Not eligible for sanction
|
|
|
Above 4 years
|
4.75% above BPLR
|
|
CL1
|
4.75% above BPLR
|
|
CL2
|
5.50% above BPLR
|
|
CL3
|
6.25% above BPLR
|
|
CL4
|
7.50% above BPLR
|
|
CL5
|
8.25% above BPLR
|
|
CL6-
CL10
|
Not eligible for sanction
|
|
|
|
Personal Loan
|
|
Scheme
|
Old Rates from 01.11.2025
|
Revised Rate from 01.02.2026
|
|
Under Special Scheme/Arrangement with Different Companies
|
As per the Approved scheme/arrangement
|
As per the Approved scheme/arrangement
|
|
Others
|
8.25% above Prime Lending Rate
|
9.75% above BPLR
|
|
|
Loan/ Overdraft against Property
|
|
Old Rates from 01.11.2025
|
Revised Rate from 01.02.2026
|
|
6.25% above Prime Lending Rate
|
|
LAP1
|
5.25% above BPLR
|
|
LAP2
|
6.25% above BPLR
|
|
LAP3
|
7.25% above BPLR
|
|
LAP4
|
8.25% above BPLR
|
|
LAP5
|
9.75% above BPLR
|
|
LAP6-LAP10
|
Not eligible for sanction
|
|
|
|
Scheme for financing of Commercial Vehicles to corporates/
individuals
|
(Credit rating as per Banks Internal Model for FTB/ SRTO/ RETAIL Segment for
Individuals and
Non-Individuals)
|
RATING
|
ROI (LOAN PERIOD UP TO 4 YEARS)
|
ROI (LOAN PERIOD MORE THAN 4 YEARS)
|
|
AAA
|
3.25% ABOVE BPLR
|
4.00% ABOVE BPLR
|
|
AA
|
3.50% ABOVE BPLR
|
4.25% ABOVE BPLR
|
|
A
|
3.75% ABOVE BPLR
|
4.50% ABOVE BPLR
|
|
BBB
|
4.00% ABOVE BPLR
|
4.75% ABOVE BPLR
|
|
BB-C
|
NOT ELIGIBLE FOR SANCTION
|
|
|
Commercial/ Business Loan
|
(Credit rating as per Banks Internal Model)
|
Credit Rating
|
Old Rates from 01.11.2025
|
Revised Rate from 01.02.2026
|
|
AAA
|
5.25% above BPLR
|
5.25% above BPLR
|
|
AA
|
6.25% above BPLR
|
6.25% above BPLR
|
|
A
|
6.75% above BPLR
|
6.75% above BPLR
|
|
BBB
|
7.50% above BPLR
|
7.50% above BPLR
|
|
BB
|
9.00% above BPLR
|
9.00% above BPLR
|
|
B
|
10.00% above BPLR
|
10.00% above BPLR
|
|
C
|
11.00% above BPLR
|
11.00% above BPLR
|
Note: For New Accounts, Rate of Interest to be 6.25% above Baroda
Prime Lending Rate
(BPLR) or Rate as per credit rating whichever is higher.
|
| Commercial Vehicle |
Old Rates from 01.11.2025
| Rating |
ROI (Loan period up to 4 years) |
ROI (Loan period more than 4 years) |
| AAA |
4.75% above BPLR |
4.75% above BPLR |
| AA |
5.00% above BPLR |
5.00% above BPLR |
| A |
5.25% above BPLR |
5.25% above BPLR |
| BBB |
5.50% above BPLR |
5.50% above BPLR |
| BB |
NOT ELIGIBLE FOR SANCTION |
| B |
NOT ELIGIBLE FOR SANCTION |
| C |
NOT ELIGIBLE FOR SANCTION |
|
Revised Rate of 01.02.2026
| Rating |
ROI (Loan period up to 4 years) |
ROI (Loan period more than 4 years) |
| AAA |
5.25% above BPLR |
5.75% above BPLR |
| AA |
6.25% above BPLR |
6.75% above BPLR |
| A |
8.25% above BPLR |
8.75% above BPLR |
| BBB |
9.25% above BPLR |
9.75% above BPLR |
| BB |
NOT ELIGIBLE FOR SANCTION |
| B |
NOT ELIGIBLE FOR SANCTION |
| C |
NOT ELIGIBLE FOR SANCTION |
|
Deposits interest rates are implemented with effect from 20.09.2024.
|
91 DAYS
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
From
|
To
|
|
|
|
|
P500
|
P499999
|
TD114
|
ON MATURITY
|
1.25
|
1.26
|
|
P500000
|
Above
|
TD114
|
ON MATURITY
|
NEGOTIABLE
|
|
3 MONTH TO BELOW 6 MONTHS
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
From
|
To
|
|
|
|
|
|
P500
|
P499999
|
TD114
|
ON MATURITY
|
1.25
|
1.26
|
|
P500000
|
Above
|
TD114
|
ON MATURITY
|
NEGOTIABLE
|
|
6 MONTHS TO BELOW 12 MONTHS
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
From
|
To
|
|
|
|
|
|
P500
|
P499999
|
TD112
|
FD-MIP
|
1.50
|
1.51
|
|
P500
|
P499999
|
TD113
|
FD-QIP
|
1.50
|
1.51
|
|
P500
|
P499999
|
TD114
|
ON MATURITY
|
1.50
|
1.51
|
|
P500
|
P499999
|
TD116
|
FD-RIRD
|
1.50
|
1.51
|
|
P500000
|
Above
|
|
|
NEGOTIABLE
|
|
12 MONTHS TO BELOW 17
MONTHS
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
From
|
To
|
|
|
|
|
|
P500
|
P499999
|
TD112
|
FD-MIP
|
3.25
|
3.56
|
|
P500
|
P499999
|
TD113
|
FD-QIP
|
3.25
|
3.56
|
|
P500
|
P499999
|
TD114
|
YEARLY
|
3.25
|
3.56
|
|
P500
|
P499999
|
TD116
|
FD-RIRD
|
3.25
|
3.56
|
|
P500000
|
Above
|
|
|
NEGOTIABLE
|
|
18 MONTHS TO BELOW 24
MONTHS
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
From
|
To
|
|
|
|
|
|
P500
|
P499999
|
TD112
|
FD-MIP
|
3.75
|
3.82
|
|
P500
|
P499999
|
TD113
|
FD-QIP
|
3.75
|
3.82
|
|
P500
|
P499999
|
TD114
|
ON MATURITY
|
3.75
|
3.82
|
|
P500
|
P499999
|
TD116
|
FD-RIRD
|
3.75
|
3.82
|
|
P500000
|
Above
|
|
|
NEGOTIABLE
|
|
24 MONTH TO BELOW 36
MONTHS
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
From
|
To
|
|
|
|
|
|
P500
|
P499999
|
TD112
|
FD-MIP
|
4.00
|
4.07
|
|
P500
|
P499999
|
TD113
|
FD-QIP
|
4.00
|
4.07
|
|
P500
|
P499999
|
TD114
|
YEARLY
|
4.00
|
4.07
|
|
P500
|
P499999
|
TD116
|
FD-RIRD
|
4.00
|
4.07
|
|
P500000
|
Above
|
|
|
NEGOTIABLE
|
|
36 MONTHS
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
From
|
To
|
|
|
|
|
|
P500
|
P499999
|
TD112
|
FD-MIP
|
4.25
|
4.33
|
|
P500
|
P499999
|
TD113
|
FD-QIP
|
4.25
|
4.33
|
|
P500
|
P499999
|
TD114
|
YEARLY
|
4.25
|
4.33
|
|
P500
|
P499999
|
TD116
|
FD-RIRD
|
4.25
|
4.33
|
|
P500000
|
Above
|
|
|
NEGOTIABLE
|
|
SAVING BANK DEPOSIT
(AMOUNT IN PULA)
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
UPTO 2500
|
|
No Interest
|
|
2501 TO 25000
|
Monthly
|
0.25
|
0.25
|
|
25001 TO 50000
|
Monthly
|
0.75
|
0.75
|
|
50001 AND ABOVE
|
Monthly
|
1.75
|
1.79
|
|
PREMIUM SAVING BANK ACCOUNT (AMOUNT IN PULA)
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
UPTO 2500
|
|
No Interest
|
|
2501 TO 25000
|
Quarterly
|
0.25
|
0.25
|
|
25001 TO 50000
|
Quarterly
|
0.75
|
0.75
|
|
50001 AND ABOVE
|
Quarterly
|
1.75
|
1.79
|
|
100001 AND ABOVE
|
Quarterly
|
2.00
|
2.02
|
|
|
(AMOUNT IN PULA)
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
CALL DEPOSIT
|
>P10000 and <=P1Mlo
|
Monthly
|
0.25
|
0.25
|
|
|
>P1Mlo and<=P5Mlo
|
Monthly
|
0.75
|
0.75
|
|
|
>P5Mlo
|
Monthly
|
1.00
|
1.01
|
|
RECURRING DEPOSIT (MOTSWEDI) SCHEME
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
UPTO 12 Months
|
Monthly
|
1.50
|
1.51
|
|
OVER 12 Months TO 24 Months
|
Monthly
|
3.75
|
3.82
|
|
OVER 24 Months TO 36 Months
|
Monthly
|
4.00
|
4.07
|
|
OVER 36Months
|
Monthly
|
4.25
|
4.33
|
|
ZAR
|
|
Payable
|
New Rates
|
|
CALL DEPOSIT
|
>P500,000 and <=1 Million
|
Annually
|
0.50
|
|
|
>Above P1 Million
|
Annually
|
1.00
|
|
ZAR
|
|
Payable
|
New Rates
|
|
FIXED DEPOSIT
|
|
|
|
|
6 Months and less than 1 year
|
Amount minimum P1 Million and above
|
Annually
|
1.75
|
|
1 year and above
|
Amount minimum P1 Million and above
|
Annually
|
2.75
|
|
USD
|
|
|
|
|
CALL DEPOSIT
|
No fixed rate
|
|
|
|
FIXED DEPOSIT:
|
|
New Rates
|
New Rates
|
New Rates
|
|
From
|
To
|
3 Months
|
6 Months
|
12 Months and above
|
|
0.00
|
4999
|
0.00
|
0.00
|
0.00
|
|
5000
|
99999
|
0.20
|
0.45
|
0.70
|
|
100000 and above
|
|
0.25
|
0.50
|
0.75
|
| |
|
|
|
|
|
NB: For AUD currency customers are notified that we are not offering any interest rate on the same.
In summary Terms Deposits Rates are as below.
|
TERM DEPOSIT IN PULA
|
Payable
|
New Rates
|
|
Rates%
|
Annual Yield%
|
|
Tenor below 6 Months
|
Monthly
|
1.25
|
1.26
|
|
6 months to below 12 months
|
Monthly
|
1.50
|
1.51
|
|
12 months to below 24 months
|
Monthly
|
3.25
|
3.56
|
|
24 months to below 36 months
|
Monthly
|
4.00
|
4.07
|
|
36 Months
|
Monthly
|
4.25
|
4.33
|
Contacts:
Head office: Old Nokia, G-west, Gaborone, Ph: 3992700, Email: ho.botswana@bankofbaroda.com.
Gaborone Branch: Main Mall, Gaborone, Ph: 3188878, email: gaborone@bankofbaroda.com.
G-West Branch: Kamoshungo Road, Gaborone, Ph: 3992705, Email: gwesbo@bankofbaroda.com.
Francistown Branch: Haskins Building, Francistown, Ph: 2413440, Email: francistown@bankofbaroda.com.
Palapye Branch: Madiba Complex, Palapye, Ph: 4920041, Email: palapye@bankofbaroda.com.