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 01.02.2026
|
Revised Rates from 01.07.2026
|
| Up to 10 years |
| 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 |
|
| 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 |
| 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 |
|
| 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 |
| 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 |
|
| 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 01.02.2026
|
Revised Rates from 01.07.2026
|
| Up to 4 years |
| 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 |
|
| CL1 |
5.00% above BPLR |
| CL2 |
5.75% above BPLR |
| CL3 |
7.25% above BPLR |
| CL4 |
8.25% above BPLR |
| CL5 |
9.25% above BPLR |
| CL6- CL10 |
Not eligible for sanction |
|
| Above 4 years |
| 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 |
|
| CL1 |
5.75% above BPLR |
| CL2 |
6.75% above BPLR |
| CL3 |
7.75% above BPLR |
| CL4 |
8.75% above BPLR |
| CL5 |
9.75% above BPLR |
| CL6- CL10 |
Not eligible for sanction |
|
|
|
Personal Loan
|
|
Scheme
|
Old Rates from 01.02.2026
|
Revised Rate from 01.07.2026
|
|
Under Special Scheme/Arrangement with Different
Companies
|
As per the Approved scheme/arrangement |
As per the Approved scheme/arrangement |
| Others |
9.75% above BPLR |
10.75% above BPLR |
|
|
Loan/ Overdraft against Property
|
|
Tenor/ Period of Loan
|
Old Rates from 01.02.2026
|
Revised Rate from 01.07.2026
|
| Upto 10 years |
| 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 |
|
| 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 |
|
| Above 10 years |
N/A |
| LAP1 |
6.25% above BPLR |
| LAP2 |
7.25% above BPLR |
| LAP3 |
8.25% above BPLR |
| LAP4 |
9.25% above BPLR |
| LAP5 |
10.25% 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 01.02.2026
|
Revised Rate from 01.07.2026
|
| AAA |
5.25% above BPLR |
5.25% above BPLR |
| AA |
6.25% above BPLR |
6.50% above BPLR |
| A |
6.75% above BPLR |
7.75% above BPLR |
| BBB |
7.50% above BPLR |
8.75% above BPLR |
| BB |
9.00% above BPLR |
9.75% above BPLR |
| B |
10.00% above BPLR |
10.75% above BPLR |
| C |
11.00% above BPLR |
11.75% 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 01.02.2026
| 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 01.07.2026 (Enhancement of rating-based spreads)
| 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
|
|
| TOD |
|
Old Rates from 01.02.2026
|
Revised Rate from 01.07.2026 (Increase by 2%)
|
| 17.51% |
19.51% |
|
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.