Eligible projects cover dairy processing and value addition
meat processing and value addition
animal-feed plants
breed-improvement technology and breed-multiplication farms for cattle/buffalo, sheep/goat, pig and poultry
veterinary vaccine, drug and diagnostic facilities
animal/agri-waste-to-wealth infrastructure
and primary wool processing. The detailed guidelines also cover marketing infrastructure, refrigerated milk transport, R&D, renewable/energy-efficiency infrastructure, IVF and sex-sorted semen, hatcheries, environmentally controlled poultry farms, feed testing, Bio-CNG/PROM, wool scouring/carding/combing and related plant and machinery.
Eligible beneficiaries are individual entrepreneurs, private companies, Farmer Producer Organisations (), Section 8 companies, Micro, Small and Medium Enterprises () and dairy cooperatives.
The scheme can finance up to 90% of estimated or actual project cost through a listed lending agency. Beneficiary contribution may be 10% for micro/small units, up to 15% for medium enterprises and up to 25% or more for other enterprise categories. The DAHD Annual Report states there is no ceiling on eligible term-loan amount
page does not publish a fixed ceiling.
3% interest subvention is published by Bank of Baroda for eligible entities. DAHD pays the lending agency, which credits/adjusts the beneficiary's account
the guidelines say subvention is for non- projects, is not paid during default/ periods and is available for 8 years including the 2-year moratorium under the current operational guideline.
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.
₹2 lakh
Competitive pricing based on the repo rate
no numeric borrower rate or spread is published on the reviewed page.
Registered contractors of /civic agencies operating in the Brihan Mumbai Metropolitan Region, across applicant constitutions, executing civil-engineering contracts. Bank accounts must be registered with the relevant /civic agencies.
Scheme-specific constitution-wise exposure ceiling is ₹40 crore for proprietary concerns, partnership firms, trusts and societies. Mobilisation advance guarantee is generally restricted to 20% of total bank-guarantee facility unless specifically relaxed.
Pricing is as per and CR guidelines
the reviewed page publishes no numeric interest rate or spread.
Overdraft margin is 25% of chargeable current assets. Bank guarantees require cash margin of 10%–25%, property market value of at least 15% of facility and 100% cash margin for dispute/court-case guarantees. Pricing follows and credit-risk guidelines.
Value awaiting review
No fixed repayment tenure is published
the listed facilities are an overdraft for working-capital needs and bank guarantees/solvency certificates for or civic-agency contracts.
Doctors, healthcare professionals, individual practitioners, clinics, hospitals, diagnostic/pathology centres, medical and nursing institutions, specialty and research centres.
Above ₹10 lakh to ₹50 crore for a term loan to purchase new or refurbished healthcare equipment or machinery.
Competitive pricing linked to the Repo rate
-based pricing up to ₹7.5 crore and CR-based pricing above ₹7.5 crore.
10% to 15%, depending on the category of machinery or equipment.
Progressive/scientific farmers, corporate farmers, /, companies of farmers, proprietorships, partnerships, farmer cooperatives, large owner-cultivators, individual/joint borrowers and lease cultivators. Existing borrowers may qualify subject to no double financing of the same land parcel.
Minimum ₹5 lakh and maximum ₹10 crore. Working-capital finance can consider 150%, 200% or 250% of the applicable scale of finance multiplied by cultivated area, plus 30% for miscellaneous post-harvest, repair, maintenance and insurance expenses.
One-year + Strategic Premium: +1.25% for ₹5–25 lakh, +1.50%above ₹25–200 lakh, +2.00%above ₹200–500 lakh and +2.50%above ₹500 lakh.
Working-capital margin is nil. Primary security is hypothecation of crops/assets created from finance. Collateral may be agricultural-land mortgage, or eligible substitute property/securities equal to the required value or shortfall.
Processing charges are as per Bank of Baroda's extant guidelines. The page does not publish a base numeric fee
its concessions table separately gives full waivers for agricultural investment, housing, auto and education loans and a 50% concession for business loans when applicable to those linked facilities.
Due date is tied to the crop cycle: 12 months for short-term crops and 18 months for long-term crops from disbursement.
Purchase of a computer and peripherals, office setup or renovation, working capital for cash management and day-to-day settlement-account transactions, and a vehicle for village visits while performing activities.
Business correspondents and kiosk operators with valid agreements with service providers engaged by Bank of Baroda for financial-inclusion banking services
age 18 to 60 years.
Rural/semi-urban: demand ₹75,000, ₹25,000, vehicle TL ₹50,000, total ₹1.50 lakh. Urban: ₹1.15 lakh, ₹35,000, ₹50,000, total ₹2 lakh. Metro: ₹1.50 lakh, ₹50,000, ₹50,000, total ₹2.50 lakh.
Interest is linked to /. Annual service fee is charged at the specified rate
currently 0.5% for facilities up to ₹5 lakh, pro-rated for the first and last year and in full for intervening years.
10% of the total loan amount sanctioned.
Annual service charge (ASF) is at the specified rate
the page states the current rate is 0.5% for facilities up to ₹5 lakh, charged pro rata in the first and last year and in full for intervening years. A separate processing fee is not published.
Demand loan: maximum 36 . Vehicle term loan: maximum 60 . Overdraft: repayable on demand subject to annual review.
Finance for women-led micro, small and medium enterprises to start, operate or expand eligible business activity
the page highlights capital expenditure and working-capital benefits.
- and -registered women-owned sole proprietorships, or firms/companies with at least 51% women ownership
-covered loans up to ₹5 crore can be collateral-free. The page does not publish a separate overall sanctioned-limit floor or ceiling outside this collateral-free coverage statement
final limits remain subject to appraisal and Bank guidelines.
Starting at 7.90% per annum as shown in the product-page headline. The reviewed page does not publish the benchmark, spread, reset frequency or a customer-specific final rate
the applicable rate must be confirmed in the sanction.
No collateral up to ₹5 crore when covered under
50%
Maximum tenor is 10 years. The page does not publish a separate minimum tenor, moratorium or repayment-frequency schedule.
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.
Finances brownfield projects of upgrading or expanding existing circular-economy projects. Subsidy applies only to new plant and machinery acquired for technology and process upgrades
second-hand or fabricated machinery is excluded.
registered on the portal investing in an existing brownfield unit in one of 11 identified circular-economy sectors and complying with Extended Producer Responsibility and waste-recycling targets. Greenfield projects are not eligible.
Projects up to ₹50 lakh are admissible with a 25% plant-and-machinery subsidy
projects above ₹50 lakh may also be admitted, but the subsidy remains capped at ₹12.50 lakh.
Value awaiting review
For loans up to ₹50 lakh, margin is 10% of invoice value. Above ₹50 lakh, margin is 10% on the first ₹50 lakh and 25% on the amount above ₹50 lakh.
A 50% concession applies to the applicable processing charges. All other charges follow Bank of Baroda's extant guidelines
other eligible: ₹1 crore, ₹5 crore, ₹10 crore and ₹15 crore respectively.
Competitive pricing linked to Repo rate/.
The page refers to term loans secured by residential, commercial or industrial property for the repayment-tenure rules, but it does not publish a complete collateral, margin or security schedule for all facilities.
Value awaiting review
Term-loan repayment may extend to 15 years for loans secured by residential or commercial property and up to 10 years for loans secured by industrial property. The page does not state a separate tenure for overdraft or non-fund-based facilities.
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
Working-capital finance, both fund-based and non-fund-based, plus capital expenditure within the sanctioned composite limit. Facilities may be short- or long-term fund-based or non-fund-based according to borrower requirements.
in regulatory and expanded classifications
the borrower must deal exclusively with Bank of Baroda.
4.5 times the borrower's tangible net worth in the last audited balance sheet, or ₹10 crore, whichever is lower.
For this composite facility, the current matrix uses + for regulatory limits up to ₹25 lakh with micro/small/medium spread bands
above ₹25 lakh to ₹7.50 crore it uses the and hard-security matrix, with regulatory ranges from + 0.30% to + + 7.45% and non-regulatory ranges from + 0.45% to + + 7.45%. is 7.90% p.a. w.e.f. 6 December 2025
the sanctioned facility, rating, security and regulatory status determine the final rate.
25% on all facilities.
For the composite facilities, the current tariff is nil up to ₹25,000. Above ₹25,000, working-capital components are charged at 0.20%–1.00% by , while term/DL/TL/DPG components are charged at 1%up to ₹1 crore and 0.50%–2.00%above ₹1 crore by
the tariff also publishes priority-sector/exporter caps and a 0.10% uncapped term-loan review charge. The Loan Pack page does not state a separate concession
Existing , eligible non- and scheduled passenger airlines with qualifying standard credit facilities (excluding SMA-2) as at 31 March 2026
specified sectors including , power, telecom, sugar/ethanol, IT, paper, educational institutions, beverages (except tea/coffee) and tobacco are excluded for non-.
Additional working-capital term loan up to ₹100 crore for /non- borrowers (excluding airlines) and up to ₹1,500 crore for scheduled passenger airlines
the quantum is capped at 20% of peak fund-based working-capital outstanding in 2025–26 for /non- borrowers.
/ + 0.75% with a cap of 9.00% p.a.
No additional collateral security or third-party guarantee is required (collateral-free finance).
No processing fee and no prepayment charge.
Up to 5 years for /non- borrowers and up to 7 years for borrowers in the airline sector.
Bill/invoice discounting for eligible vendors and sub-vendors supplying investment-grade anchor corporates, providing finance with reduced or no collateral requirements.
Large manufacturers/service providers: turnover ₹200–₹2,000 crore, external rating BBB or higher, positive operating profit for at least 3 years and minimum 5-year establishment. Small manufacturers/service providers or sub-vendors: turnover ₹50–₹200 crore, positive operating profit for at least 2 years, minimum 3-year establishment and 1–5.
No numeric minimum or maximum sanctioned amount is published. The page says vendors receive a higher quantum than the conventional route because the margin is much lower, but the actual limit is set within appraisal and the anchor/vendor programme.
Individuals, proprietorships, partnerships, and companies, including existing Bank customers and non-customers, for cash-flow-based Micro and Small Enterprise financing. The digital channel is available 24×7.
Facilities above ₹10 lakhup to ₹200 lakh (₹2 crore).
The product page describes the rate as attractive but does not publish a numeric , spread or benchmark for bob Digi Udyam. The applicable rate must be confirmed in the sanction and current Bank of Baroda rate schedule.
Collateral-free loans are advertised. A concession in processing fee applies to loans up to ₹50 lakh
the page does not publish the exact concession amount.
A concession in processing fee is advertised for loans up to ₹50 lakh (₹50,00,000), but the page does not publish the concession amount, standard fee, documentation fee or other applicable charges. Fees and duties once paid are not refundable.
The page lists cash credit, overdraft, term loan, demand loan, bank guarantee and letter of credit facilities but does not publish a repayment or validity period for any facility. Tenure is set in the sanction terms.
Purchase of looms and related capital expenditure, plus need-based working capital.
Existing or experienced handloom weavers involved in weaving
the scheme is available to eligible handloom organisations in rural and urban areas.
₹5 lakh inclusive of demand-loan and working-capital finance.
The Weaver page states that follows the prevailing segment rate and . The current matrix gives micro pricing of + up to ₹50,000, + + 2.00%above ₹50,000 to ₹2 lakh and + + 2.20%above ₹2 lakh to ₹10 lakh
this ₹5 lakh scheme therefore falls in the latter micro band for its maximum facility. Government interest subsidy targets a 6% borrower rate for working capital, with subsidy capped at 7% and available for up to 3 years from first disbursement.
20% of total project cost. Demand loan finances 80% of looms and other capital expenditure
working-capital finance is 20% of projected turnover less margin.
coverage for collateral-free credit to Micro and Small Enterprises under the MSMED Act
the product page describes loans up to ₹50 lakh for the scheme purpose and an eligible loan limit up to ₹10 crore.
Eligible micro, small and medium enterprises
coverage for collateral-free credit to Micro and Small Enterprises under the MSMED Act
the product page describes loans up to ₹50 lakh for the scheme purpose and an eligible loan limit up to ₹10 crore.
The lending rate itself is set by the member lending institution under applicable guidelines
no borrower interest percentage is published for this coverage product. The page instead publishes a composite guarantee-fee range of 1% + risk premium to 2% + risk premium, while the current schedule (for guarantees approved or renewed from April 1, 2025) gives standard annual guarantee-fee rates of 0.37% to 1.20% by slab, before MLI discount/risk premium and eligible-category concessions.
Primary security is the asset created from the credit facility or directly associated with the financed business/project. Separate facilities may be covered even when another facility has collateral or a third-party guarantee, subject to scheme rules.
A separate Bank of Baroda processing fee is not published on the product page. current Annual Guarantee Fee (AGF), for guarantees approved or renewed from April 1, 2025, is charged on the guaranteed amount in the first year and outstanding amount thereafter: standard rates are 0.37% (₹0–10 lakh), 0.55% (above ₹10–50 lakh), 0.60% (above ₹50 lakh–₹1 crore), 0.85% (above ₹1–2 crore), 1.00% (above ₹2–5 crore), 1.10% (above ₹5–8 crore) and 1.20% (above ₹8–10 crore). MLI-level discounts/risk premiums and 10% category concessions can change the applicable rate
the MLI decides whether to recover AGF from the borrower.
Guarantee cover follows the agreed tenure of term credit. Where working capital alone is extended, cover runs for 5 years or a block of 5 years and may be renewed after each block
the scheme states there is no maximum guarantee-period cap for a working-capital account. This is guarantee-cover tenure, not a prescribed borrower repayment tenure.
Additional working-capital term loan for eligible direct and indirect exporters, including exporters, to meet short-term liquidity needs and explore new markets.
For the Non- variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an with any bank/lender at sanction or disbursement, have an active working-capital limit and, as a direct exporter, at least 20% export turnover.
Up to 20% of sanctioned working-capital limits (fund-based plus non-fund-based), capped at ₹50 crore per borrower.
1% below the rate applicable to existing working-capital facilities on 19 November 2025, capped at 10% p.a.
The scheme provides 100% guarantee coverage, requires no additional collateral and no personal/corporate guarantee, and creates a second charge on cash flows and existing securities.
Additional working-capital term loan for eligible direct and indirect exporters, including exporters, to meet short-term liquidity needs and explore new markets.
For the Non- variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an with any bank/lender at sanction or disbursement, have an active working-capital limit and, as a direct exporter, at least 20% export turnover.
Up to 20% of sanctioned working-capital limits (fund-based plus non-fund-based), capped at ₹50 crore per borrower.
1% below the rate applicable to existing working-capital facilities on 19 November 2025, capped at 10% p.a.
No additional collateral or personal/corporate guarantee is required. The facility carries a second charge on existing securities.
Working-capital finance for stocks of seeds, fertilisers, pesticides, cattle/poultry feed, horticulture and poultry tools, fishing nets, spare parts, sprinklers, drip irrigation and agricultural machinery
feed dealers can be financed up to ₹40 lakh and sprinklers/drip/agri-machinery up to ₹30 lakh.
Traders, firms, companies, institutions and co-operative societies distributing agricultural inputs are eligible only for credit needs linked to the distribution function
individual farmers are excluded.
Published purpose-specific ceilings are up to ₹40 lakh for dealers/distributors of cattle or poultry feed and up to ₹30 lakh for sprinklers, drip irrigation and agricultural machinery. The page gives no overall scheme limit.
Interest is charged as per and Bank of Baroda guidelines
the reviewed page publishes no numeric rate or spread.
15% margin. Stock of agricultural inputs is pledged or hypothecated
land/building collateral is taken wherever feasible. Stock must be insured against fire and SRCC risks with a bank-interest clause.
Non-farm micro or small enterprises engaged in manufacturing, trading or services
applicants may be individuals or sole proprietors with an existing business.
Shishu ₹10,000–₹50,000
Kishore above ₹50,000 to ₹5 lakh
Tarun above ₹5 lakh to ₹10 lakh.
Micro: + up to ₹50,000, then ++2.00% / +2.20%
small: ++2.00% / +2.20% / +2.35% across the same slabs.
First charge on assets created from the facility
no collateral security for eligible accounts covered under .
Unified processing charges nil
prepayment charges nil
penal charges follow the bank’s extant guidelines.
Term/business loan: up to 60 months, repaid by Equated Monthly Instalments (), subject to annual review. Working-capital facility: 12 months from sanction. Term-loan moratorium: none for Shishu
Finance for upgrading existing micro food-processing enterprises, with support for individual units, , and cooperatives, plus branding, marketing, common processing/lab/storage/packaging facilities and technical support.
Existing micro food-processing unit in operation
unincorporated, fewer than 10 employees, proprietorship or partnership
applicant over 18 years and at least eighth-standard pass. must bring 10% project-cost margin and 20% working-capital margin to match state-government grant support.
Need-based funding is considered according to the project and borrower's requirement. For an individual micro enterprise, the credit-linked capital subsidy is 35% of eligible project cost up to ₹10 lakh per unit
this is a subsidy ceiling, not a universal loan cap.
The page publishes -plus-Strategic-Premium spreads by internal credit rating and immovable-property security coverage: CR1–3: +0.50% to +1.25%
CR4–6: +0.95% to +1.80%
CR7 and below: +3.90% to +5.00%, with the lower spread applying above 100% security coverage and the higher spread below 50%.
For loans up to ₹1.60 lakh, the lists a Note and hypothecation of crops grown or assets created from bank finance. It also lists equitable or registered mortgage of land or a third-party guarantee
the page repeats the ₹1.60 lakh heading, so the bank's sanction documents should confirm the applicable threshold and combination.
Working-capital fund-based: ₹250 per lakh or part above ₹3 lakh to ₹10 lakh, and ₹350 per lakh or part above ₹10 lakh, plus . Non-fund-based charges are 50% of fund-based charges. Fresh term loan above ₹3 lakh: 1% of sanctioned limit plus . Term-loan review above ₹3 lakh: ₹60 per lakh or part, plus .
Working capital is 12 months. Term loan is up to 84 months including a 12-month moratorium, subject to annual review.
Term finance for purchase of new construction or mining equipment.
Individuals, proprietorships, partnerships and companies engaged in construction or mining, including first-time buyers and small, medium, large and strategic-segment contractors/operators.
Up to ₹50 crore for purchase of new construction or mining equipment.
interest is linked to the Repo Rate (). Other enterprises’ interest is linked to the one-year . The page describes the rate as concessional/competitive but publishes no numeric spread.
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.
Factory/land acquisition and building construction
plant, machinery, laboratory/testing equipment
working capital for raw materials, work-in-progress, finished goods and bill purchase/discounting
temporary additional raw-material assistance
and other eligible purposes.
Current published thresholds: Micro up to ₹2.5 crore plant/machinery/equipment investment and ₹10 crore turnover
Small up to ₹25 crore investment and ₹100 crore turnover
Medium up to ₹125 crore investment and ₹500 crore turnover, excluding export sales from turnover.
Value awaiting review
For regulatory limits up to ₹25 lakh, pricing is plus Strategic Premium () with the published micro/small/medium spreads varying by limit band
above ₹25 lakh and up to ₹7.50 crore, the and hard-security matrix ranges from + 0.30% to + + 7.45% for regulatory exposure and from + 0.45% to + + 7.45% for non-regulatory exposure. Bank of Baroda states at 7.90% p.a. w.e.f. 6 December 2025
the final rate remains rating-, security- and limit-dependent.
Value awaiting review
The current tariff charges up to ₹25,000 as nil. Above ₹25,000, working-capital processing is risk-rating based at 0.20% ( 1–2), 0.30% ( 3–4), 0.35% ( 5), 0.40% ( 6) or 1.00% ( 7 and below), with caps of ₹35 lakh for priority-sector and ₹17.50 lakh for exporters
other advances have no cap. For term/DL/TL facilities, the tariff charges 1%up to ₹1 crore and 0.50%–2.00%above ₹1 crore by , with a 0.10% uncapped term-loan review charge.
maximum ₹20 lakh under the current page, including Tarun Plus up to ₹20 lakh for successful Tarun-loan borrowers.
is as applicable to the sector. Under the current Bank of Baroda matrix, micro limits up to ₹50,000 use + , above ₹50,000 to ₹2 lakh use + + 2.00%, and above ₹2 lakh to ₹10 lakh use + + 2.20%
is 7.90% p.a. w.e.f. 6 December 2025. The applicable rate remains dependent on the sanctioned band and borrower assessment.
No collateral is required. The bank may hypothecate assets created from its finance, and the loan is covered under .
Standalone construction and mining equipment finance for the bank's existing, well-rated borrowers who need equipment repeatedly to execute work contracts.
Existing fund-based plus non-fund-based exposure of at least ₹2 crore and Strategic Customer classification
minimum -4 for corporate borrowers or -5 for borrowers
external rating at least BBB for or A for large corporates.
Up to ₹50 crore.
Concessional one-time processing fees and competitive interest
pricing is linked to the repo rate (), while other enterprises are linked to yearly .
Minimum 10%.
Concessional one-time processing fees are stated. The official page does not publish a numeric amount, percentage, cap or waiver condition.
Individuals above 18 years establishing new viable micro-enterprise projects in rural or urban areas. Applicants must have passed VIII standard for projects above ₹10 lakh in manufacturing or above ₹5 lakh in business/services. Only one person per family is eligible
existing units and units already subsidised under another government scheme are excluded for a new loan.
First loan: project cost up to ₹50 lakh in manufacturing and ₹20 lakh in business/services. Second loan for upgrading an existing /REGP/ unit: up to ₹1 crore manufacturing and ₹25 lakh business/services.
The page states that interest is charged as applicable to the sector. The current rate page publishes limit-band pricing: up to ₹25 lakh, micro and small loans use + with spreads of 0%–2.35% for micro and 2.00%–2.50% for small, depending on the limit band
above ₹25 lakh, the and hard-security matrix applies. is 7.90% p.a. w.e.f. 6 December 2025
the sanctioned project, rating and security determine the final rate.
↓
Assets created out of bank finance and personal guarantee of proprietor/promoter are security. No collateral security is required up to ₹10 lakh
eligible units are covered under excluding the margin-money/subsidy component.
The page provides no -specific processing-fee amount or percentage
it directs applicants to the bank's service-charge information.
Repayment is 3–7 years with an initial moratorium of up to 6 months. Interest is charged as applicable to the sector.
Export-credit working capital through fund-based pre-shipment/post-shipment and non-fund-based limits.
New (including takeovers from other banks) or existing micro enterprises engaged in exports
eligible constitutions are proprietorships, partnerships, private/public limited companies and .
Minimum ₹5 lakh and maximum ₹7.50 crore.
For Small and Micro export borrowers under the linked rate sheet: pre-shipment packing credit up to 270 days is + + 0.50% for CR/1–3, +0.75% for CR/4–6 and +1.50% for CR/7–10. Post-shipment credit up to 180 days (including listed incentive, undrawn-balance and retention-money cases) is + + 0.40%, +0.65% and +1.40% for those rating bands. Export credit not otherwise specified is + + 5.85% for both pre- and post-shipment. states is 7.90% effective 6 December 2025 and is 0.25%
the applicable customer rate remains rating and sanction dependent.
Pre-shipment margin 10%
post-shipment margin nil.
No separate loan-processing fee is published for this scheme. The linked service-charge schedule does publish applicable export transaction charges: export bills purchased/discounted/negotiated ₹1,000 below equivalent USD 25,000 and ₹1,500 at or above that amount, plus ₹100 per additional shipping bill
export-bill collection ₹250 up to equivalent USD 5,000, ₹750 from USD 5,001–25,000 and 0.0625% beyond USD 25,000 capped at ₹2,000, plus ₹100 per additional shipping bill
export certificates ₹100 each
export crystallisation ₹1,000 per bill
other document, overdue, extension, write-off and NOC charges follow the published schedule. Applicable taxes are extra where stated.
Based on the working-capital/debt-collection cycle
maximum 270 days for packing credit and 180 days for post-shipment credit.
Provide demand or term finance to - for onward lending to qualifying individuals and groups under Priority Sector criteria.
- engaged in on-lending to individuals or groups for activities eligible for Priority Sector classification under Agriculture, and other -defined categories.
Value awaiting review
Loans up to ₹3 lakh: one-year + + 0.50%. Above ₹3 lakh and below ₹25 lakh: one-year + + 1.50%. At ₹25 lakh and above, the spread depends on internal credit rating: CR-1 +1.40%, CR-2 +1.65%, CR-3 +1.90%, CR-4 +2.40%, CR-5 +3.40%, and CR-6 or below +5.40%.
10% on book debts created from funds borrowed from Bank of Baroda.
Fund-based and non-fund-based working capital, and new-project acquisition/construction of land and buildings and new or second-hand plant and machinery.
New, existing or takeover units engaged in textile activity recognised by the Ministry of Textiles, including job workers and traders/e-commerce traders. Proprietorships, partnerships, , private limited and limited companies are eligible
are excluded. Baroda Gold Card accounts must have been Standard for one year with -5 rating.
₹25 lakh minimum and ₹100 crore maximum.
Starting from + + 0.80%
concessions may be allowed on merit. Export facilities follow the bank's current export-credit guidelines.
Cash credit stock/book debts: minimum 25% (book debts up to 120 days). Term loan: factory land/building 30%, new plant/machinery 25%, second-hand plant/machinery under 30%, imported second-hand 30% and indigenous outside 40%.
50% of applicable processing/upfront/documentation, remittance, intersol, inspection, mortgage-creation and TEV-study charges
an additional 50% concession to 1–3 rated accounts may be allowed.
Working-capital facilities: 12 months. Term loan: up to 10 years including moratorium.
Augment the working-capital gap, improve current ratio, meet genuine business requirements and repay secured or unsecured loans from other banks/institutions
proceeds must relate to the enterprise activity.
Regulatory/expanded and other entities with annual sales turnover from ₹1 crore to ₹250 crore
new projects qualify where first full-year estimated turnover is up to ₹250 crore, while real-estate projects may have cost up to ₹50 crore.
₹25 lakh to ₹5 crore.
The current matrix applies to this Medium Term Loan: regulatory limits up to ₹25 lakh use + Strategic Premium () with the published micro/small/medium limit-band spreads
above ₹25 lakh to ₹7.50 crore, and hard-security ranges are published for regulatory and non-regulatory exposure. is 7.90% p.a. w.e.f. 6 December 2025. Final pricing depends on classification, rating, security and sanctioned limit.
Value awaiting review
The product page grants a 25% concession on applicable unified processing, upfront and documentation charges. Before that concession, the current tariff is nil up to ₹25,000
above ₹25,000, the term/DL/TL/DPG schedule is 1%up to ₹1 crore and 0.50%–2.00%above ₹1 crore by , with a 0.10% uncapped term-loan review charge. Charges exclude and the published 25% concession applies to the applicable charge.
Up to 36 months, repaid in equal quarterly or half-yearly instalments.
Meet a temporary liquidity shortfall or mismatch in the business
not for repaying other-bank/institution loans or unsecured loans.
Regulatory and expanded with -5 or better credit rating without continuous decline for three years (or four half-years where applicable), current satisfactory financials and at least three years of satisfactory dealings without major inspection/audit irregularities
real estate, power, education and IT sectors are excluded.
₹10 lakh to ₹2.5 crore.
For this regulatory/expanded short-term facility, the current matrix applies + for micro limits up to ₹50,000, + + 2.00%above ₹50,000 to ₹2 lakh and + + 2.20%above ₹2 lakh to ₹10 lakh
above ₹10 lakh to ₹25 lakh, micro/small/medium spreads are published by limit, and above ₹25 lakh the /hard-security matrix applies up to ₹7.50 crore. is 7.90% p.a. w.e.f. 6 December 2025
the final rate depends on classification, rating and limit.
Value awaiting review
25% concession in the applicable unified processing, upfront and documentation charges.
Upgrade manufacturing processes through Energy Efficient Technologies that achieve minimum 15% energy savings, according to an approved Detailed Project Report.
implementing approved energy-efficient technology projects under the Ministry of TEQUP component of the National Manufacturing Competitiveness Programme
Bank of Baroda is a nominated implementing agency.
Government support is 25% of project cost for approved Energy Efficient Technologies, with a maximum of ₹10 lakh per project. This is scheme support, not a published loan ceiling.
Not published on the reviewed TEQUP page. The page describes Government project-cost support and does not publish an underlying loan interest rate or benchmark.
Capital expenditure/fixed assets for starting or expanding a business or industrial unit, or replacement of high-cost existing debt from another bank or financial institution.
Designed for micro, small and medium enterprises starting or expanding a business or industrial unit
the Bank evaluates the proposal under its applicable lending policy.
Value awaiting review
For this term-finance facility, the current Bank of Baroda matrix uses + for regulatory limits up to ₹25 lakh, with spread varying by micro/small/medium band
above ₹25 lakh and up to ₹7.50 crore, the published and hard-security matrix ranges from + 0.30% to + + 7.45% for regulatory exposure and + 0.45% to + + 7.45% for non-regulatory exposure. is 7.90% p.a. w.e.f. 6 December 2025
final pricing is conditional on rating, security and limit.
Value awaiting review
Up to ₹25,000: nil. Above ₹25,000 and up to ₹1 crore for a fresh term/DL/TL/DPG sanction: 1% of the sanctioned limit. Above ₹1 crore, the -based rate is 0.50% for 1–2, 0.85% for 3–4, 1.00% for 5, 1.10% for 6 and 2.00% for 7 and below
priority-sector and exporter caps are ₹100 lakh and ₹50 lakh respectively, with no cap for other advances. Term-loan review is 0.10% without cap
Bill discounting for eligible -regulatory and non-regulatory vendors/suppliers of large real-estate developers, against qualifying developer-linked bills.
Developer: registered, externally rated A or above, at least 3 years in real estate and tangible net worth of at least ₹50 crore. Vendor/supplier: at least 2 years' association, at least ₹50 crore previous-year sales/services to the developer, positive PAT for the last 2 years and positive tangible net worth.
The page does not publish a universal bill amount, sanctioned-limit ceiling or minimum. Finance is described as bill discounting with a minimum 10% margin on the bill amount, so the drawable amount is subject to individual assessment and the published margin.
Finance for operating expenses, inventory purchases and receivables, through direct funding or a letter of credit.
Corporations and business borrowers with operating, inventory or receivables funding needs may apply, subject to assessment of the working-capital requirement and bank policy.
Value awaiting review
For this working-capital facility, the current Bank of Baroda matrix uses + for regulatory limits up to ₹25 lakh, with the published micro/small/medium spread bands by limit
above ₹25 lakh and up to ₹7.50 crore, the and hard-security matrix publishes regulatory ranges from + 0.30% to + + 7.45% and non-regulatory ranges from + 0.45% to + + 7.45%. is published at 7.90% p.a. w.e.f. 6 December 2025
the final rate depends on rating, security and limit.
Value awaiting review
Up to ₹25,000: nil. Above ₹25,000 for fund-based or non-fund-based working-capital loans: 0.20% for 1–2, 0.30% for 3–4, 0.35% for 5, 0.40% for 6 and 1.00% for 7 and below. The tariff caps priority-sector charges at ₹35 lakh and exporter charges at ₹17.50 lakh
other advances have no cap. Charges exclude .
Not published as a repayment tenor on the reviewed Working Capital Finance page. It defines working capital as money for current obligations due in less than 1 year, but does not state a facility sanction or renewal period.
Any individual, woman, proprietary concern, partnership firm, private limited company or other entity setting up/upgrading a qualifying micro enterprise.
Maximum ₹10 lakh for term loan and/or working capital.
Value awaiting review
Nil collateral
primary security is assets created from bank finance and personal guarantee of promoters/directors.
Direct and indirect exporters, including and non- exporters, with eligible working-capital limits.
Up to 20% of sanctioned export or domestic working-capital limits, subject to ₹50 crore per borrower across all banks/FIs and rupee currency only
limits existing on 30 September 2025 are used for calculation.
Maximum 10% p.a., subject to the Bank's pricing policy.
CGSE: charge on primary and existing collateral securities for , with no additional collateral or fresh guarantees. CGSSD: second charge on assets financed under existing facilities and 10% promoter cash collateral.
Nil guarantee fee, processing fee and prepayment penalty.
Four years fixed, including a one-year moratorium.
Individuals or proprietary manufacturing, trading or service concerns with mandatory Udyam registration and eligible gold owned singly or jointly with a spouse.
₹20,000 to ₹1 crore.
+ 0.40% = 8.45% p.a. using the current 8.05% . The page's displayed 8.70% example uses an older 8.30% .
Pledge of eligible gold
25% margin for repayment or 32% for bullet repayment.
account must not be with any lender at sanction/disbursement.
Up to ₹100 crore
a higher sanctioned loan may be split into a ₹100-crore guaranteed schedule and a remaining schedule.
As per extant -advance guidelines
the page publishes no numeric benchmark or spread.
25% of project cost for the term loan.
ECLGS 5.0, GECL and LGSCATSS publish nil processing fee or nil applicable charges. LGSCAS, MCGS- and other guarantee schemes direct other service charges to extant Bank guidelines rather than publishing a product-specific numeric fee.
Up to ₹50 crore: maximum 8 years plus up to 2-year principal moratorium (10 years including moratorium). Above ₹50 crore: maximum 12 years plus up to 3-year principal moratorium (15 years including moratorium).
new projects only. A second/upgradation route is available for existing , REGP or units under the published conditions.
For new-project subsidy: manufacturing ₹50 lakh and business/service ₹20 lakh
balance above the cap may be financed without government subsidy. For upgradation: manufacturing ₹1 crore and business/service ₹25 lakh.
activities: -linked. Non- activities: and -linked according to activity. No numeric scheme spread is published on the reviewed page.
: no product-specific collateral rule is published on the reviewed page
security follows the financing bank and applicable guarantee norms. Stand-Up India: primary security plus collateral security or CGFSIL guarantee. Solar Vendor Finance: cover means no further security is insisted upon unless the borrower opts for collateral under Bank policy.
: current term-loan tariff nil up to ₹5 lakh and 1%above ₹5 lakh to ₹25 crore. Stand-Up India: no product-specific processing fee is published
applicable Bank guidelines govern. Solar Vendor Finance: no product-specific processing fee is published on the reviewed page.
Qualified, approved or registered chartered accountants, company secretaries and architects in independent practice, with status and Udyam registration.
Above ₹10 lakh and up to ₹2 crore
linked clean cash credit up to 20% of term loan, capped at ₹5 lakh.
Current benchmark: 8.05% p.a.
final rate adds the sanctioned spread, with a possible collateral concession.
cover available up to ₹2 crore
collateral may reduce the rate
linked cash credit requires additional charge on the term-loan asset.
Term loan: nil up to ₹5 lakh, then 1% through ₹2 crore. Working-capital fee: nil up to ₹5 lakh.
Existing or new small enterprises with Canara credit, including manufacturing and service units.
Up to and including ₹2 crore (fund-based and non-fund-based combined).
Value awaiting review
Finance may be without collateral or with partial collateral
for loans above ₹10 lakhup to ₹2 crore, 75% land/building security may waive cover.
Annual guarantee fee for loans covered on or after 1 April 2019 is 1.15%, 1.56%, 1.73%, 2.07% or 2.30% depending on borrower category, region and finance quantum
Direct exporters (minimum 5% export turnover), direct non- exporters (minimum 20%) and indirect exporters supplying at least 30% of turnover to eligible direct exporters.
Support up to 20% of sanctioned working-capital limits
maximum loan amount ₹50 crore per borrower.
1 percentage point below the existing working-capital rate, capped at 10% p.a.
100% guarantee cover
no additional collateral and no fresh personal/corporate guarantees.
Processing fee nil
guarantee fee nil.
Four years including a one-year moratorium
six-month lock-in from guarantee-cover commencement.
Registered medical practitioners in allopathy, dental, ayurveda, unani and homeopathy and their clinics, laboratories, hospitals and related enterprises.
No stated minimum
maximum ₹5 crore for manufacturing/services. Working-capital sub-limit is 20% of maximum, capped at ₹50 lakh.
-linked by facility and risk rating. Term loan: up to ₹2 lakh, + 1.55%
above ₹2 lakh to ₹5 crore, + 1.55% (Low), +2.05% (Normal) or +2.30% (Moderate). Working capital: up to ₹2 lakh, + 1.05%
above ₹2 lakh to ₹5 crore, + 1.05% (Low), +1.80% (Normal) or +2.05% (Moderate). Women and concessions may apply, but the ultimate rate cannot fall below .
Up to ₹25,000 nil margin
above ₹25,000, term loan for premises 25%, equipment 20% and working capital 20%
collateral/approved security should be at least 100%.
Applicable Canara service charges
no fixed numeric processing amount is printed on the reviewed scheme page.
Working capital tenable for two years subject to annual review
both Existing-to-Bank and New-to-Bank customers, constituted as individuals, proprietorships, eligible partnerships, or private/public companies.
Minimum above ₹1 lakh and maximum ₹5 crore (₹500 lakh), based on turnover.
Rate is linked to collateral value and internal risk grade
the page advertises a starting rate of + 0.25% p.a., subject to terms and conditions.
Nil margin for drawing power. Primary security is assets created from bank finance. Up to ₹10 lakh: no collateral, mandatory. Above ₹10 lakh to ₹25 lakh: , hybrid model or collateral
unsecured shortfall must be -covered. Above ₹25 lakh to ₹5 crore: not eligible and collateral value must be at least 75% of loan amount.
Processing fee: nil up to ₹5 lakh
above ₹5 lakh to ₹10 lakh, 0.25% per lakh or part thereof with minimum ₹500
above ₹10 lakh, 50% of applicable Canara -scheme processing charges. Documentation fee: nil up to ₹2 lakh
above ₹2 lakh to ₹5 crore, ₹200 per lakh or part thereof, maximum ₹25,000.
Fund-based working-capital limit is tenable for one year from the date of sanction.
Existing Canara business enterprises and with fund-based working-capital limits as on 31 March 2026
account must be Standard and not SMA 2 across lenders.
Additional credit up to 20% of peak fund-based working-capital outstanding during 2025–26 (1 January–31 March 2026), subject to assessed need and a maximum ₹100 crore per borrower across all MLIs.
The reviewed ECLGS 5.0 page does not print a numeric interest rate or benchmark
the live Canara offer and prevailing scheme guidelines control pricing.
100% credit-guarantee coverage is provided for the eligible additional facility
the page does not prescribe a separate collateral margin.
Processing charges and guarantee fee are nil
prepayment penalty is nil.
Maximum five years from disbursement, including a one-year moratorium.
Micro and small service enterprises under Mudra, including cafeterias, restaurants, self-service hotels, mobile canteens, dhabas and fast-food centres.
Maximum ₹10 lakh under Mudra variants: Shishu up to ₹50,000
Kishore ₹50,001–₹5 lakh
Tarun ₹5,00,001–₹10 lakh.
Rate linked to approved collateral value and internal/external risk rating
-linked schedule applies, with no fixed scheme percentage printed.
Term-loan margin 15% and working-capital/short-term margin 10%
primary security is assets created and existing business assets. Micro loans are covered under and small-enterprise loans under .
50% of applicable processing charges
annual guarantee and service fees under / are borne by the borrower.
Short-term loan within 12 months in suitable monthly instalments
term loan up to five years including moratorium
working capital tenable for two years subject to annual review.
exporters with regular credit limits and satisfactory Canara Bank track record for at least three years.
Maximum ₹50 lakh
trade-fair/exhibition sub-limit capped at ₹25 lakh per fair or exhibition
assessment is linked to export turnover.
Value awaiting review
Margin 15%–25%
loans up to ₹10 lakh must be covered under , while higher limits require or primary/collateral land-and-building security equal to 100% of loan amount.
As applicable for term loans under Canara Bank
no fixed numeric processing amount is printed on the reviewed page.
Maximum three years with an initial repayment holiday of up to three months.
Rate linked to collateral/security value and internal/external risk rating under the -linked schedule
no fixed scheme percentage is printed.
Term-loan margin 20%, secured nil and NFB 15%
term-loan primary plus collateral security at least 100%, while standalone SOD needs 100% collateral with at least 50% residential/commercial or approved securities.
Up to 50% concession on applicable upfront, processing, NFB commission, appraisal and commitment charges for low-risk borrowers
normal risk receives 25% and Moderate receives nil concession.
Working capital one year
term loan up to 10 years including maximum two-year moratorium.
manufacturing pharmaceuticals, / intermediates or trading pharmaceuticals as wholesale, retail or C&F agents.
Above ₹10 lakh and up to ₹50 crore
traders' working-capital maximum is ₹10 crore.
Rate linked to security/collateral value and internal/external risk rating under -linked lending
no fixed percentage is printed.
Primary financed assets are charged
collateral may be land/building or approved financial securities. Term-loan margin 20%, fund-based working capital 25%, export pre-shipment 10%, post-shipment nil and NFB 15%
is not eligible.
Upfront, processing, NFB commission, appraisal and commitment charges may receive 50% concession for Low risk, 25% for Normal risk and no concession for Moderate risk.
Working capital one year
term loan up to 10 years including maximum two-year moratorium.
with Canara facilities need three profitable years and two preceding years of satisfactory banking credit records. Non-borrowers need three years’ same-line promoter/concern profit history, satisfactory market report and OPL from the existing banker.
Minimum ₹25 lakh and maximum ₹10 crore, subject to sub-debt assistance not exceeding one-third of post-project tangible net worth.
Value awaiting review
Hypothecation of movable assets, mortgage of immovable assets and collateral securities/ for sole banking
consortium/ assistance uses a second charge on current and fixed assets plus collateral securities. Eligible unsecured loans are to be covered under .
The official scheme page does not print a numeric processing fee
Architects, engineers, valuers, management/financial consultants, chartered accountants, cost accountants, company secretaries and registered medical doctors.
Above ₹10 lakh
maximum ₹5 crore in metro, ₹2 crore in urban and ₹50 lakh in other centres.
-linked rate based on security/collateral and internal/external risk rating
no fixed scheme percentage is printed.
Working-capital margin nil
term-loan/non-fund margin 25%
primary plus collateral security should provide at least 75% of proposed exposure.
Applicable Canara service charges
no fixed numeric processing fee is printed on the reviewed page.
Existing/new borrowers and registered transport operators organised as individuals, firms, companies, , trusts or societies in manufacturing, services or retail trade.
Brand-new vehicles: no minimum ceiling and maximum ₹50 lakh
second-hand non-electric vehicles: minimum ₹5 lakh and maximum ₹25 lakh.
Brand-new vehicles: + 0.90% p.a. floating
used vehicles: risk-rating credit-risk premium over .
New-vehicle margin 25% on-road cost
used non-electric margin 50%. Loans up to ₹10 lakh have no collateral and are covered under /
above ₹10 lakh requires 100% immovable/approved collateral or cover.
Applicable Canara service charges
no fixed numeric processing fee is printed on the reviewed scheme page.
Day-to-day working capital through overdraft, or acquisition of plant, machinery, equipment, vehicles and other business assets through a term loan.
Individuals and sole proprietors in manufacturing, trading or services with a valid Udyam Registration
no fund-based revolving business loan from another bank/FI
an active -compliant operative account for the last 12 months where credit-summation assessment is used.
Up to ₹10 lakh
where the limit is assessed on credit summation in a current account, it may extend up to ₹25 lakh.
Competitive rate linked to (Repo Linked Lending Rate).
No collateral required
facility is secured under guarantee coverage.
Digi : no numeric processing fee is published on the reviewed page. Growth Plus: 25% concession on applicable processing fee is published, but the base fee is not stated.
Term loan up to 7 years, including up to 6 months' moratorium
overdraft is for 12 months and renewable annually.
Working-capital requirements through funded and non-funded facilities.
and non-, with special focus on micro enterprises, women and youth entrepreneurs
₹10 lakh to ₹2 crore.
Concessional rate linked to , starting from 8.50% per annum.
Overdraft: nil. Non-fund based facility: minimum 10%.
Digi : no numeric processing fee is published on the reviewed page. Growth Plus: 25% concession on applicable processing fee is published, but the base fee is not stated.
Build-up of current and fixed assets, capacity expansion, modernization and short-term working capital, including shoring up net working capital
Business units in manufacturing and services, self-employed and professional individuals, and wholesale/retail trade
Above ₹10 lakh to ₹5 crore
For , linked to repo rate
page states current as repo rate + 2.65%. For non-, 6-month linked. Final rate is based on borrower/external or scheme-specific rating and bank guidelines.
, private companies, individual entrepreneurs, Section 8 companies, and dairy cooperatives for dairy/meat processing and animal-feed manufacturing
Value awaiting review
+ 2.00%
using the sheet's reference of 7.90% + + , the spread component is 9.90% p.a. before / and other applicable terms. A separate 3% interest subvention for regular repayment is preserved in the product facts.
Construction or acquisition of office buildings, retail, industrial or warehouse space, multiplexes, hotels, restaurants, gymnasiums, amusement parks, cold storage and similar real estate repaid from lease, rental, sale or project cash flows
Proprietorships, partnerships, companies and
existing customers, new units with marketable assets and qualifying takeovers
₹10 lakh minimum
metro and urban centres up to ₹50 crore (more than ₹50 crore case by case), semi-urban centres up to ₹25 crore and rural centres nil
For , linked to repo rate
page states current as repo rate + 2.65%. For non-, 6-month linked. Final rate is rating and guideline dependent.
25%
1% of limits, capped at ₹10 lakh
Dropline overdraft limits sanctioned for 12–72 months, including the moratorium
interest is serviced monthly during the moratorium
Micro and Small Enterprises (), including eligible retail/wholesale traders
educational and training institutions are eligible, but loans are excluded
Scheduled Commercial Bank credit facilities up to ₹10 crore (₹1,000 lakh) per eligible borrower, including term loan and/or working-capital facilities
Not applicable to the guarantee itself
/MLI loan pricing is set under the sanctioned credit facility's applicable rate terms
Collateral-free and without third-party guarantee for the covered unsecured portion
Hybrid Security model permits collateral for part of a facility while covering the remaining unsecured portion up to ₹10 crore
Annual Guarantee Fee (excluding ) is charged on the guaranteed amount for the first year and outstanding amount thereafter: 0–₹10 lakh0.37%
above ₹10–₹50 lakh0.55%
above ₹50 lakh–₹1 crore0.60%
above ₹1–₹2 crore0.85%
above ₹2–₹5 crore1.00%
above ₹5–₹8 crore1.10%
above ₹8–₹10 crore1.20%
No single fixed guarantee tenure is published
cover remains subject to annual fee payment and account validity. The specifies an 18-month lock-in (9 months for qualifying loans up to ₹10 lakh with repayment up to 36 months) and claim-lodgement windows of one, two or three years by sanction/ date
Finance new commercial vehicles, electric and hybrid commercial vehicles, CNG vehicles, ambulances and caravan vehicles
Transport and tour operators, travel agencies, businesses, contractors, captive users, warehouse owners, logistics providers, hospitality businesses and first-time buyers with related experience
₹10 lakh minimum to ₹50 lakh maximum
Competitive pricing linked to
the page states the link as repo rate + 2.65%
15% of the vehicle's on-road price
0.50% of loan amount plus applicable
Commercial vehicle: maximum 84 months with up to 6-month moratorium
electric vehicle: maximum 48 months with up to 6-month moratorium
Purchase of new construction and mining equipment, including earthmoving, concrete, road, material-handling, warehouse and material-processing equipment
the page's list is indicative and includes other eligible equipment
existing credit-relationship units operating in EPC or MDO (coal mines) activities and having cash-flow visibility
₹10 lakh minimum to ₹100 crore maximum
Rating/external or scheme-specific rating and guidelines
-linked for (repo rate + 2.65%) and 6-month -linked for non-
20%
As per guidelines and appraised to the borrower before sanction
Existing and non- borrowers with Standard (not SMA-2) fund-based working-capital facilities on 31 March 2026
scheduled passenger airline borrowers have a separate band
/non- (except airlines): up to 20% of peak fund-based working-capital outstanding in FY2025-26, capped at ₹100 crore per borrower across MLIs. Airline sector: up to 100% of peak total credit outstanding (fund and non-fund based), capped at ₹1,500 crore
the ₹1,000–₹1,500 crore portion requires equal promoter/owner equity.
↑
: + 0.75%, capped at 9% p.a.
non-: 3-month + 0.75%, capped at 9% p.a. (airline pricing follows the lender's board-approved policy)
Nil for and non- facilities
airline-sector margin is not stated on the reviewed page
Nil
/non- except airline: 5 years from first disbursement including 1-year moratorium
airline sector: 7 years including 2-year moratorium
Set up public or private EV charging infrastructure under franchise or standalone models, including public charging, captive charging and battery-swapping stations
Existing/prospective and non- businesses, fuel stations/petrol pumps, hotels, restaurants and commercial/office spaces setting up EV charging points
More than ₹10 lakh to ₹5 crore
Value awaiting review
Minimum 25% for term loan
extant card rates applicable from time to time
EV Mitra term loan: 8 years including maximum 9-month moratorium
Part-finance new or expanded bio-fuels extraction plants, including biomass suppliers/aggregators and storage/distribution infrastructure
Units setting up or expanding bio-fuels extraction plants, including biomass suppliers/aggregators selling to OMCs, government organisations or private companies
₹50 crore maximum handled by R&DB
above ₹50 crore handled by CCG or designated -intensive branches
Rating/scheme-specific and bank-guideline based
linked to repo rate + 2.65% for and 6-month linked for non-
Term loan minimum 30% of project cost
working capital minimum 25%
As per extant guidelines
Term loan repayable in 10–12 years
construction, moratorium and repayment together cannot exceed 15 years
Financial assistance for prototype creation, product/website/app development, team hiring, legal/consulting, raw materials/equipment, licences/certifications, marketing/sales and office space or administration
start-ups registered/recognised by with a sustainable business model, established proof of concept and recognised incubator, accelerator or investor support
Maximum ₹50 crore, split into up to ₹50 lakh and above ₹50 lakh to ₹50 crore bands
Rating/external or scheme-specific rating and guidelines
-linked for (page states repo rate + 2.65%) and 6-month -linked for non-
Loans up to ₹10 lakh: nil
above ₹10 lakh, term-loan margin follows specified debt-equity and working-capital margin is at least 25% on stocks and receivables
As per extant guidelines in the feature table
terms and conditions separately state processing charges nil
Door-to-door repayment maximum 120 months including moratorium
Finance qualified practitioners setting up or expanding clinics, nursing homes and hospitals, plus diagnostic/pathology labs, pharmacies, ambulances, therapy centres and healthcare-product, drug or medical-equipment manufacturers
Hospitals, nursing homes, clinics, medical colleges, diagnostic centres, pathology laboratories, eye/ENT/speciality centres and healthcare-product, permitted-drug or medical-equipment manufacturers
₹10 lakh to ₹50 crore
cash-credit facility is capped at ₹5 crore
Rating/external or scheme-specific rating and guidelines
-linked for (page states repo rate + 2.65%) and 6-month -linked for non-
Term loan: 20%
cash credit: 25%
As per guidelines and appraised to the borrower before sanction
Term loan up to 10 years including maximum 18-month moratorium
cash credit is repayable on demand and reviewed annually
Overdraft for CSP working capital, demand loan for business credit needs and term loan for computers, printers, furniture and other fixed assets at the CSP/KO outlet
Customer Service Providers and Kiosk Operators engaged on contract by national or state-level Business Correspondents of , one person per outlet
₹25,000 minimum
existing CSP/KO with at least one year engagement up to ₹5 lakh
new CSP/KO up to ₹2.50 lakh
Rating/external or scheme-specific rating and guidelines
-linked for (repo rate + 2.65%) and 6-month -linked for non-
Existing CSP/KO with at least one-year engagement: nil
new CSP/KO: nil up to ₹50,000 and 10%above ₹50,000 to ₹2.50 lakh
Nil up to ₹50,000
0.50% of loan amount plus applicable taxes above ₹50,000
: 12 months with annual review
DL: maximum 36 months with 1-month moratorium
TL: maximum 84 months with up to 3-month moratorium
Legitimate business purposes including working capital, machinery modernisation/expansion/renovation, professional equipment, layouts, tools, vehicles, furniture and other business requirements
Women-managed proprietorships, partnerships and closely held public/private limited companies in manufacturing, trading or services
Above ₹10 lakh minimum to ₹5 crore maximum
Competitive pricing linked to
the page states is linked to repo rate + 2.65%
Primary hypothecation of stocks, machinery and financed movable assets
collateral nil
promoter/proprietor/partner/director personal guarantees
eligible loans covered under
As per extant guidelines
fee is borne by the borrower and auto-calculated at coverage
Cash credit repayable on demand and renewed annually
term loan/dropline up to 7 years including moratorium up to 6 months
Working-capital needs and acquisition of fixed assets
Individually managed proprietary/partnership firms or closely held public/private limited companies in small and medium industrial and trading sectors under C&I and SIB segments
Above ₹10 lakh to ₹5 crore
Competitive pricing linked to
the page states is linked to repo rate and currently repo rate + 2.65%
25% for working-capital component and 33% for term-loan component
As applicable to units under latest instruction
Working capital repayable on demand
term loan not more than 7 years including moratorium not exceeding 6 months
Installation of grid-connected rooftop or ground-mounted solar systems for captive use or sale of power under group captive, open access or RESCO/PPA arrangements
Existing/prospective and business enterprises
cooperative housing societies may use the captive variant. Grid connection, net metering, promoter ≥650, Udyam for and repayment-covering electricity savings are required.
Captive maximum ₹10 crore
other-than-captive projects maximum ₹50 crore
Rating or scheme-specific and bank-guideline based
linked for and 6-month linked for non-
no single product rate published
Captive: minimum 20% with deviation not permitted. Other-than-captive: minimum 25% with deviation.
0.75% of term-loan amount plus applicable
Captive maximum 10 years including initial moratorium
other-than-captive maximum 15 years including initial moratorium
Superfast requires Udyam/ and sole-banking arrangement
Support targets Micro and Small Enterprises
Union Suvidha ₹10 lakh–₹50 crore, with overdraft limit up to ₹10 crore
Union Progress up to ₹2 crore
Superfast and Support amount not published on reviewed page/rate sheet
-linked floating rates with scheme/rating/security spreads. Suvidha rate sheet: 1.35% over for ₹10–₹50 lakh with 75–100% security and 1.25%above 100%
above ₹50 lakh to ₹5 crore, 0.40%–1.15% over by CR/UBC rating and security. Superfast: 1.10% over up to ₹25 lakh, 1.25%above ₹25–₹50 lakh
above ₹50 lakh CR1 0.85% to CR4 1.35%. Progress: card rates for advances.
Suvidha and Progress publish collateral/ conditions
Progress has no collateral up to ₹10 lakh and cover up to ₹2 crore
Superfast has collateral-free option subject to
Support's objective is collateral-free finance
Product-specific processing charges are not printed on the reviewed product summaries
applicable Union Bank schedule and sanction advice control fees
No single universal tenure is published on the reviewed Suvidha, Superfast, Progress or Support pages
sanctioned term-loan/working-capital period is facility- and assessment-dependent
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.
Animal Husbandry Infrastructure Development fund (AHIDF)Bank of Baroda
Baroda Arogyadham LoanBank of Baroda
Baroda Artisans Credit CardBank of Baroda
Baroda Contractor Loan SchemeBank of Baroda
Baroda Contractor Scheme MumbaiBank of Baroda
Baroda Energy Efficiency Project (BEEP) FinanceBank of Baroda
Baroda Laghu Udyami Credit CardBank of Baroda
Baroda Loan to Business CorrespondentsBank of Baroda
Baroda Mahila SwavalambanBank of Baroda
Baroda SME Gold CardBank of Baroda
Composite LoansBank of Baroda
Coverage of Collateral Free Loans (CGTMSE)Bank of Baroda
Dealers/Traders - Agriculture InputsBank of Baroda
Prime Minister Employment Generation Programme (PMEGP)Bank of Baroda
Scheme for Financing NBFC-MFIsBank of Baroda
Technology and Quality Upgradation (TEQUP) SchemeBank of Baroda
Term Finance — MSME BankingBank of Baroda
Mahabank Commercial Vehicle Loan for Small Road Transport OperatorsBank of Maharashtra
Mahabank Scheme for ContractorsBank of Maharashtra
Mahabank e-NWR Loan for Agriculture Produce TradersBank of Maharashtra
Mahabank Hospitality LoanBank of Maharashtra
Mahabank Loan Scheme for DoctorsBank of Maharashtra
Mahabank GST Credit SchemeBank of Maharashtra
Mahabank MSME Gold Loan SchemeBank of Maharashtra
Maha MSME Machinery and Equipment SchemeBank of Maharashtra
Maha MSME Project Loan SchemeBank of Maharashtra
Mahabank Finance to MSME StartupsBank of Maharashtra
Mahabank Professional Loan Scheme (MPLS)Bank of Maharashtra
Bank of Maharashtra Standby Line of Credit for MSMEBank of Maharashtra
Mahabank Textile Cluster SchemeBank of Maharashtra
