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.
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.
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.
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
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.
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.
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.
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.
Value awaiting review
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.
Value awaiting review
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.
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.
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.
Value awaiting review
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.
Competitive pricing linked to the Repo rate or
the page publishes no numeric rate, benchmark spread or range.
Value awaiting review
25% concession in the applicable unified processing, upfront and documentation charges.
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.
Competitive pricing linked to the repo rate or
the official page does not publish a numeric interest rate or spread.
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.
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.
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.
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).
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.
Value awaiting review
Value awaiting review
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%.
Value awaiting review
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.
Value awaiting review
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.
Value awaiting review
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.
Value awaiting review
Maximum three years with an initial repayment holiday of up to three months.
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.
Value awaiting review
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 .
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.
Value awaiting review
Working-capital margin nil
term-loan/non-fund margin 25%
primary plus collateral security should provide at least 75% of proposed exposure.
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.
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.
25%
Up to 0.65% of the loan amount
Dropline overdraft limits sanctioned for 12–180 months, with a maximum six-month moratorium
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
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
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
Above ₹10 lakh minimum to ₹50 crore maximum
amounts above ₹50 crore may be permitted case-by-case
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
Cash credit repayable on demand with yearly renewal
term loan maximum 10 years including moratorium, with moratorium up to 18 months (equipment finance up to 6 months)
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
Value awaiting review
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
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.
Animal Husbandry Infrastructure Development fund (AHIDF)Bank of Baroda
Baroda Arogyadham LoanBank of Baroda
Baroda Contractor Loan SchemeBank of Baroda
Baroda Energy Efficiency Project (BEEP) FinanceBank of Baroda
Baroda Mahila SwavalambanBank of Baroda
Coverage of Collateral Free Loans (CGTMSE)Bank of Baroda
Dealers/Traders - Agriculture InputsBank 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
