Trade finance

Eligible beneficiaries are individual entrepreneurs, private companies, Farmer Producer Organisations (FPOs), Section 8 companies, Micro, Small and Medium Enterprises (MSMEs) and dairy cooperatives.

10 years including 2-year principal moratorium

Repo rate or MCLR linked

Annual sales turnover up to ₹250 crore

Registered contractors of BMC/civic agencies operating in the Brihan Mumbai Metropolitan Region, across applicant constitutions, executing civil-engineering contracts. Bank accounts must be registered with the relevant BMC/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.

Overdraft margin is 25% of chargeable current assets. Bank guarantees require cash margin of 10%–25%, property market value of at least 15% of BG facility and 100% cash margin for dispute/court-case guarantees. Pricing follows CMR and credit-risk guidelines.

Owner cultivators, tenant farmers, oral lessees, sharecroppers, and farmer SHGs/JLGs

Up to ₹2 lakh: DP Note plus hypothecation of crops/assets financed. Above ₹2 lakh: those securities plus equitable/registered mortgage of land or third-party guarantee.

Production credit is a revolving agricultural cash-credit account subject to annual review and valid for 5 years. Investment credit is a demand or term loan repaid quarterly, half-yearly or annually based on the farmer’s income generation.

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 BC activities.

Rural/semi-urban: demand ₹75,000, OD ₹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.

10% of the total loan amount sanctioned.

Demand loan: maximum 36 EMIs. Vehicle term loan: maximum 60 EMIs. Overdraft: repayable on demand subject to annual review.

Individuals undertaking non-farm entrepreneurial activity across India. Applicants are ineligible if already issued BKCC, BACC, BWCC, BOBCARD 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.

Term/demand loan: up to 84 months with 12-month moratorium. Working-capital facility: 12 months subject to annual review.

Corporate and non-corporate clients, including businesses that do not already bank with Bank of Baroda, subject to appraisal and sanction.

New or existing food and agro-based processing units, including takeovers from other banks. Eligible constitutions include individuals, proprietorships, partnerships, private/public companies and LLPs.

Aggregate benefits and facilities up to ₹100 crore.

The page publishes various concessions on charges, including processing and documentation charges, but no fixed rupee amount or percentage.

Working-capital facilities: 12 months. Term loans: up to 144 months case by case, subject to annual review.

Individuals, proprietorships, partnerships, LLPs 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 lakh up to ₹200 lakh (₹2 crore).

The product page describes the rate as attractive but does not publish a numeric ROI, spread or benchmark for bob Digi Udyam. The applicable rate must be confirmed in the sanction and current Bank of Baroda rate schedule.

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.

₹5 lakh inclusive of demand-loan and working-capital finance.

Term-loan or working-capital facilities for new scientific storage capacity such as godowns, dry warehouses, cold storage, cold chains, silos and market yards.

Individuals, farmer groups/growers, registered FPOs, proprietorships, partnerships, companies, corporations, NGOs, SHGs, government autonomous bodies, cooperatives, marketing federations and state agencies including warehousing corporations and civil-supplies corporations.

Minimum ₹25 lakh and maximum ₹100 crore.

For CR-1 to CR-3, spreads range from MCLR+SP+0.45% to +1.10% as collateral coverage falls. For CR-4 to CR-6, spreads range from +0.95% to +2.25% across the same coverage bands.

25% of project cost.

Processing charges are nil up to aggregate loan limit of ₹3 lakh. Inspection charges are nil up to aggregate loan limit of ₹3 lakh. Food Corporation of India collection charges are stated as 100% waived in favour of the borrower.

Term loan: 3 to 15 years including up to 24 months moratorium, with monthly, quarterly, half-yearly or yearly instalments. Working capital: 12 months with annual review.

Eligible micro, small and medium enterprises

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.

Exporters with confirmed export orders or a letter of credit from a recognised bank may use export credit, subject to the bank's credit norms. PCFC is available to corporates/exporters with confirmed orders or L/C meeting those norms.

A separate processing or documentation fee is not published. Baroda Exporter Gold Card cardholders receive a 10% concession in commission and exchange charges.

Exporters, including small and medium sectors, with a good track record and creditworthiness under the bank's rating norms may qualify. The account must be Standard continuously for three years and not on the ECGC or RBI caution list. Firms with losses for the past three years or export-bill overdues above 10% of current-year turnover are excluded.

Rupee export credit, PCFC and Gold Card finance are priced under the bank's applicable norms. The page describes bill rediscounting as competitive international-rate finance, but publishes no numeric borrower rate or spread.

A separate processing or documentation fee is not published. Baroda Exporter Gold Card cardholders receive a 10% concession in commission and exchange charges.

Working capital, capital expenditure for new plant/machinery/equipment/assets, and repayment of existing high-cost loans.

Existing corporate and non-corporate clients may borrow in USD, Euro, Japanese Yen or Sterling.

Working-capital facility: ₹20,000. Term loan: applicable rupee term-loan processing charges.

3 to 36 months, subject to periodic rollover.

Finance for agencies providing services to farmers, including tractors, bulldozers, aerial-spraying aircraft/helicopters, drilling rigs, lift-irrigation equipment, harvesters, threshers, cold stores, warehouses, transport trucks/trailers, excavators, milk/poultry tankers, bullock carts, curing barns, canning/processing and grading facilities.

Individuals, entrepreneurs, organisations, institutions, corporations such as agro-industries corporations, market yards or authorised market-yard licensees, warehouses, panchayats and agro-service centres with viable farmer-service schemes.

The page does not publish a minimum or maximum sanctioned facility amount. The amount is assessed against the proposed machinery, working-capital need, margin and repayment capacity.

15%.

Capital expenditure and working capital for dairy, piggery, poultry, fishery, sericulture up to cocoon stage, sheep, goat and camel rearing, including sheds, animals, chicks, equipment, vehicles, feed, labour and marketing.

All persons, including small and marginal farmers and agricultural labourers engaged in agriculture and allied activities.

Finance for upgrading existing micro food-processing enterprises, with support for individual units, FPOs, SHGs and cooperatives, plus branding, marketing, common processing/lab/storage/packaging facilities and technical support.

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 GST. Non-fund-based charges are 50% of fund-based charges. Fresh term loan above ₹3 lakh: 1% of sanctioned limit plus GST. Term-loan review above ₹3 lakh: ₹60 per lakh or part, plus GST.

Working capital is 12 months. Term loan is up to 84 months including a 12-month moratorium, subject to annual review.

Working capital in rupees, pre- and post-shipment exporter advances, import of raw materials or capital goods, purchase of indigenous machinery, repayment of an existing rupee term loan and permitted ECB repayment.

Working-capital FCNR(B) loans can be disbursed up to 90% of the MPBF limit. Minimum amount is 100,000 in USD, GBP or Euro, and 10 million Japanese Yen.

The reviewed FCNR-B page does not publish a specific collateral or security package. Security and documentation are determined during credit sanction under the bank’s policy and applicable RBI requirements.

Service/processing charges vary by loan purpose. An additional 1% per annum applies when the sanctioned loan is not availed within 30 days, and 1% of the loan amount for the remaining period is deducted on prepayment.

Regulatory MSME borrowers and expanded SME borrowers rated BOB-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.

30% for land and building and 25% for plant and machinery.

3 to 7 years including the moratorium period.

Competitive pricing linked to the Repo rate or MCLR. The reviewed page does not publish a numeric benchmark value, spread, reset frequency or final rate.

Support procurement on credit, guarantee domestic/international performance or financial obligations, advise or confirm received LCs, support bill co-acceptance, arrange general-insurance cover, and provide solvency or credit information for authorities, bids and business counterparties.

New, existing or takeover food and agro-based processing units operated by individuals, proprietorships, partnerships, private/public limited companies or LLPs. If trading is also undertaken, trading sales must not exceed 49% of total annual sales and the working-capital limit must be under sole banking arrangement.

BRLLR plus spread by internal credit rating: CR-1 +0.65%, CR-2/CR-3 +0.70%, CR-4/CR-5 +0.90%, and CR-6 or below +1.15%.

₹175 per lakh, representing a 50% concession in processing and documentation charges.

12 months.

Eligible micro, small and medium enterprises

No collateral is required. The bank may hypothecate assets created from its finance, and the loan is covered under CGTMSE.

Nil

Compressed-biogas plants anywhere in India with designed capacity of at least 2.0 tonnes per day, promoted by entrepreneurs holding an Oil Marketing Company LOI for production and supply of CBG. Eligible constitutions include proprietorships, partnerships, LLPs, companies and cooperatives permitted by the Ministry of Petroleum and Natural Gas.

For aggregate limits up to ₹50 crore, BRLLR + SP +0.50% to +5.40% depending on internal rating and immovable-property security coverage. Above ₹50 crore up to ₹100 crore, add 1% over the applicable up-to-₹50-crore rate. MNRE central financial assistance is ₹4 crore per 4,800 kg/day CBG generated from 12,000 cubic metres/day biogas, capped at ₹10 crore per project.

25% for working capital and 30% for term loan.

Export-credit working capital through fund-based pre-shipment/post-shipment and non-fund-based limits.

Minimum ₹5 lakh and maximum ₹7.50 crore.

Inland and marine fisheries/aquaculture, mariculture and seaweed, North-Eastern/Himalayan fisheries, ornamental fisheries, technology, post-harvest/cold chain, marketing infrastructure, deep-sea vessels, aquatic health, monitoring/control/surveillance and fisher safety/security.

Fishers, fish farmers, fish workers and vendors, fisheries corporations, SHGs/JLGs, cooperatives/federations, entrepreneurs, private firms, LLPs, companies, cooperative societies and fish-farmer producer organisations/companies.

Funding is need-based for the project or borrower. Credit-guarantee coverage may be available under CGTMSE for eligible loans up to ₹2 crore.

Up to ₹2 crore: one-year MCLR + 100 basis points. Above ₹2 crore: MCLR + SP + 0.30% to +2.25% based on internal credit rating and immovable-security coverage.

15%.

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.

₹25 lakh minimum and ₹100 crore maximum.

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 TUFS 30%, imported second-hand 30% and indigenous outside TUFS 40%.

Working-capital facilities: 12 months. Term loan: up to 10 years including moratorium.

Working capital, equipment purchase/expansion/renovation, construction of an office on self-owned land, purchase of a ready-built new office and non-fund-based facilities.

Professionals with a recognised professional degree, taxable income of at least ₹2.5 lakh in the latest ITR, at least 3 years' field experience (or 3 years from the certificate of practice for CA/CS/ICWA) and a minimum bureau score of 700.

Competitive pricing linked to the repo rate or MCLR.

The page states competitive pricing linked to the repo rate or MCLR but publishes no numeric processing fee, documentation fee, waiver or concession.

Meet operating expenses, purchase inventory and finance receivables, using direct funding or a letter of credit.

Corporate and non-corporate businesses can seek working-capital finance, subject to the Bank's credit assessment and sanctioned terms.

The page defines working-capital obligations as those due in less than a year, but does not publish a facility repayment tenor, review cycle, rollover or renewal schedule.

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.

Competitive pricing linked to the repo rate or MCLR.

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.

DPIIT-recognised start-up incorporated as a private limited company, registered partnership or LLP, operating no more than 10 years with turnover not exceeding ₹100 crore in any financial year.

1% concession in the applicable ROI, subject to the rate not falling below RBLR.

Processing charges waived.

Udyam-registered MSME entity whose Registration Certificate is issued in the name of a woman entrepreneur.

Above ₹10 lakh to ₹10 crore, including export finance.

Eligible civil, mining, engineering, transport, electrical, road, irrigation and pipeline contractors classified as MSMEs.

₹10 lakh to ₹10 crore.

Registered BAHMS, BAMS, BPT, MBBS or BDS medical practitioners with required approvals, MSME status and Udyam registration.

Up to 12 years.

DPIIT- or permitted-government-recognised innovative or scalable startups in an accepted private-company, registered-partnership or LLP form.

Up to 10 years.

Street vendors operating in ULBs, census towns and peri-urban areas, identified by a valid ULB/TVC CoV, ID card or portal-issued LoR approved by the BDO.

Nil.

25%.

Composite loan from ₹10 lakh to ₹1 crore, combining term loan and working capital.

MSME individuals, proprietorships, partnerships, LLPs and companies in the published textile manufacturing, processing and trading activities.

Up to 10 years including up to 18 months' moratorium.

Businesses needing guarantees for earnest money, security deposits, bid bonds, advance payments, performance, retention money or deferred payments for supplier/manufacturer purchases.

Commission is as per Canara Bank norms and may vary by guarantee type and sanctioned terms.

Registered medical practitioners in allopathy, dental, ayurveda, unani and homeopathy and their clinics, laboratories, hospitals and related enterprises.

Importers purchasing raw materials, inputs and capital goods from foreign countries, subject to Canara credit and foreign-exchange requirements.

Need-based non-fund-based limit.

Commission is as per Canara guidelines and may change.

Micro and small service enterprises under Mudra, including cafeterias, restaurants, self-service hotels, mobile canteens, dhabas and fast-food centres.

Hospitality-sector MSMEs: hotels, resorts, restaurants, fast-food centres, dhabas, pizza centres, messes, caterers and marriage/banquet halls.

MSMEs manufacturing pharmaceuticals, APIs/API intermediates or trading pharmaceuticals as wholesale, retail or C&F agents.

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.

Architects, engineers, valuers, management/financial consultants, chartered accountants, cost accountants, company secretaries and registered medical doctors.

DPIIT-recognised MSME start-ups with valid Udyam, viable model, recognised incubator/accelerator/investor support, fully tied-up equity and stable revenue.

Above ₹10 lakh and up to ₹20 crore.

Individual handloom weavers/weaver entrepreneurs, SHGs, JLGs and handloom organisations including cooperatives, corporations, SPVs and producer companies.

Day-to-day working capital through overdraft, or acquisition of plant, machinery, equipment, vehicles and other business assets through a term loan.

Competitive rate linked to RLLR (Repo Linked Lending Rate).

Corporates, partnership firms and proprietary concerns in industry, trade and services requiring short-term business finance.

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

Up to 0.65% of the loan amount

Build-up of current and fixed assets, capacity expansion, modernization and short-term working capital, including shoring up net working capital

Part-finance setting up Compressed Bio-Gas plants

As per SBI's extant guidelines

Working-capital needs and acquisition of fixed assets

MSMEs seeking working capital or fixed-asset finance

Up to 20%

Working Capital Term Loan

Nil

Hassle-free export credit on best terms for creditworthy exporters with a good track record

Limits sanctioned for 3 years, with renewal subject to fulfilment of sanction terms and conditions

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

As per SBI's extant guidelines

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

MSME start-ups registered/recognised by DPIIT 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

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

As per SBI guidelines and appraised to the borrower before sanction

Agricultural cash credit for animal husbandry and fisheries working capital

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 SBI, one person per outlet

Generate rural and urban employment by setting up new self-employment ventures, projects and micro enterprises

Business purpose, capacity expansion and modernization for manufacturing, trading, services and allied agricultural activities

Existing and new units in non-corporate, non-farm manufacturing, trading, services and allied agricultural activities

Competitive pricing linked to EBLR

Legitimate business purposes including working capital, machinery modernisation/expansion/renovation, professional equipment, layouts, tools, vehicles, furniture and other business requirements

Women-managed MSME proprietorships, partnerships and closely held public/private limited companies in manufacturing, trading or services

Above ₹10 lakh minimum to ₹5 crore maximum

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

25% for working-capital component and 33% for term-loan component

As applicable to MSME units under SBI's latest instruction

Setting up a new greenfield enterprise in manufacturing, trading, services or activities allied to agriculture by an SC/ST or woman entrepreneur

Scheduled Caste, Scheduled Tribe or woman borrower

Above ₹10 lakh and up to ₹1 crore (₹100 lakh)

0.20% of loan amount plus applicable GST

7 years with maximum 18-month moratorium

Finance traders, owners of goods, manufacturers and processors against warehouse receipts issued by tied-up collateral managers

Borrowers pledging receipts issued by WDRA-registered warehouses or approved collateral managers

25% to 35% of market price