7% p.a. for limits up to ₹2 lakh, subject to government interest subvention
Up to ₹2 lakh: hypothecation of stocks/assets created from bank finance. Above ₹2 lakh: hypothecation of standing crop, livestock, feed, medicine and financed assets, plus mortgage/charge on land or a guarantor. The further states that up to ₹1.60 lakh does not require collateral, while amounts above ₹1.60 lakh require land mortgage/charge
loans up to ₹10 lakh may instead be covered by , with the premium borne by the borrower.
Artisans involved in production or manufacturing and otherwise eligible under an existing Bank credit scheme
preference for Development Commissioner (Handicrafts)-registered artisans, artisan clusters and artisan self-help groups. Existing artisan borrowers with facilities up to ₹2 lakh and satisfactory dealings are also eligible.
Owner cultivators, tenant farmers, oral lessees, sharecroppers, and farmer /
Value awaiting review
Crop loan up to ₹3 lakh: 7% p.a. fixed, subject to Government of India interest subvention
otherwise one-year plus Strategic Premium. Other crop loans: one-year plus Strategic Premium. ₹3–25 lakh: one-year plus Strategic Premium + 1.25%
above ₹25 lakh: one-year plus Strategic Premium + 2.00%.
Up to ₹2 lakh: Note plus hypothecation of crops/assets financed. Above ₹2 lakh: those securities plus equitable/registered mortgage of land or third-party guarantee.
Nil processing charge up to ₹3 lakh
above ₹3–10 lakh, ₹250 per lakh or part thereof plus
above ₹10 lakh, ₹350 per lakh or part thereof. Inspection is nil up to ₹3 lakh and then ₹250/₹500/₹1,000 by the published loan bands.
Production credit is a revolving agricultural cash-credit account subject to annual review and valid for 5 years. Investment credit is a demand or term loan repaid quarterly, half-yearly or annually based on the farmer’s income generation.
new project or expansion involving land/building, plant and machinery
and non-fund-based bank-guarantee or letter-of-credit facilities.
Individuals undertaking non-farm entrepreneurial activity across India. Applicants are ineligible if already issued , BACC, BWCC, or another credit card, except cards used only for consumption needs.
Minimum ₹25,000 and maximum ₹10 lakh.
Competitive pricing linked to the Repo rate.
20% for working-capital, term-loan, demand-loan and non-fund-based facilities
25% for land and building.
Value awaiting review
Term/demand loan: up to 84 months with 12-month moratorium. Working-capital facility: 12 months subject to annual review.
Micro, small and medium enterprises and with annual sales turnover up to ₹250 crore
existing accounts must be standard for two years with BoB-5 or better rating and working-capital limits of at least ₹25 lakh.
Working-capital limit equal to 10% of assessed .
As per credit rating and the rate applicable to cash credit.
Charge on current assets, extension of fixed-asset charge where stipulated, directors’ personal guarantee and collateral security as available for other facilities.
Value awaiting review
12-month facility
up to four drawals per year, each for no more than two months, with at least 15 days between drawals
software, hardware, tools, jigs and fixtures forming part of plant and machinery
and cars or other business vehicles.
Regulatory borrowers and expanded borrowers rated -5 or above. Manufacturing or service units must have operated in the line of activity for at least 2 years, maintained satisfactory account dealings for at least 1 year and have no adverse account-conduct features.
Capex card: ₹25 lakh minimum and ₹5 crore maximum. Capex loan: ₹25 lakh minimum and ₹2 crore maximum. Manufacturing exposure is capped at 25% of gross plant-and-machinery block
service-sector exposure at 10% of working capital based on , subject to the cap.
Value awaiting review
30% for land and building and 25% for plant and machinery.
Short-term credit for coffee, inter-crops and other plantation crops, including post-harvest expenses, produce marketing, household consumption, farm-asset maintenance, dairy/poultry/inland fisheries and crop/asset/health insurance premiums.
Planters, cultivators and tenant farmers engaged in plantation activities
companies, partnership firms and involved in plantations. Coffee planters must provide the original Coffee Registration Certificate.
Annual limit is fixed according to the approved DLTC scale of finance. Up to 25% above that scale may be considered for modern practices where the standard is inadequate
up to 40% of total crop-production requirement may cover post-harvest/consumption needs.
Savings Bank rate of interest is paid to farmers on the credit balance maintained in the Planters Card account. The page does not publish a numeric borrowing rate for the card facility.
For notified DLTC crops, no margin. For non-notified crops and term loans up to ₹1 lakh, no margin
above ₹1 lakh, 15–25% depending on purpose and quantum. Up to ₹1.60 lakh, crop/assets are hypothecated
above that, land mortgage/charge is added.
Value awaiting review
Five years, with renewal/validity subject to the scheme terms
savings-bank interest is paid on credit balances in the Planters Card account.
Owner cultivators, tenant farmers, oral lessees, sharecroppers, and
Value awaiting review
Interest subvention follows guidelines
prompt and timely repayment earns 3% p.a. incentive. The sources do not publish one universal rate for every crop/limit.
Value awaiting review
Value awaiting review
Value awaiting review
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Baroda Artisans Credit CardBank of Baroda
Baroda Kisan Credit Card (BKCC)Bank of Baroda
Baroda Laghu Udyami Credit CardBank of Baroda
Baroda SME Gold CardBank of Baroda
