Vadodara, also known as Baroda, is the third-most populated town in Gujarat after Ahmedabad and Surat, and is one of four towns in the state with a population of over 1 million, the other being Rajkot. It is located on the Vishwamitri river, southeast of Ahmedabad and is known as the Cultural Capital of Gujarat. It is the administrative headquarters of the Vadodara District.

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The interest rates offered also vary, depending on factors like age of the consumer, total family income, tenure of the loan, other assets held and credit-worthiness, judging from past transactions.