Business, MSME & agriculture 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

Primary security is hypothecation of movable structures, equipment and machinery purchased or created from finance. Fixed assets, land and buildings are mortgaged, with personal guarantees of proprietors, partners, promoters or directors as applicable. The BOB rate matrix varies with immovable-property security coverage.

Farmers, agricultural enterprises and eligible rural borrowers

7% p.a. for limits up to ₹2 lakh, subject to government interest subvention

Nil up to aggregate ₹3 lakh

The page publishes no state or district restriction for the scheme itself. Fisheries applicants must hold the relevant licence or permission, including any state-specific fisheries and allied-activity licence from the responsible department.

Repo rate or MCLR linked

Not published on the reviewed Baroda Arogyadham Loan page.

Not published on the reviewed Baroda Arogyadham Loan page.

Not published on the reviewed Baroda Arogyadham Loan page.

Facility ceilings are centre-based: rural, semi-urban, urban and metro. The page does not publish a state or territorial exclusion.

Up to 3 years, subject to annual review

Not published on the reviewed Baroda Artisans Credit Card page.

Not published on the reviewed Baroda Artisans Credit Card page.

Not published on the reviewed Baroda Artisans Credit Card page.

The page provides a Bank of Baroda branch contact path and publishes no state, branch or territorial restriction for eligible artisans.

MSME units engaged in contractor or subcontractor activity, plus other entities with annual sales turnover up to ₹250 crore.

Annual sales turnover up to ₹250 crore

Not published on the reviewed Baroda Contractor Loan Scheme page.

Not published on the reviewed Baroda Contractor Loan Scheme page.

Not published on the reviewed Baroda Contractor Loan Scheme page.

Not published on the reviewed Baroda Contractor Loan Scheme page.

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.

No turnover or business-vintage threshold is published. The scheme is for registered contractors executing civil-engineering contracts awarded by BMC or civic agencies in the Brihan Mumbai Metropolitan Region.

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 the BG facility, and 100% cash margin for guarantees covering disputes or court cases.

No product-specific processing, renewal or other borrower fee is published on the reviewed page.

No application-document checklist or downloadable scheme document is published on the reviewed page.

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.

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.

Up to 84 months, including moratorium

10% to 15% depending on the machinery/equipment category.

Not published on the reviewed product page. A Download Form link is provided, but the page does not enumerate a product-specific KYC, qualification, equipment-invoice or security-document checklist.

The reviewed page publishes no state, residence, branch-territory or healthcare-establishment location restriction. Geographic availability beyond the listed eligible establishments is Not published.

₹10 lakh minimum and ₹15 crore maximum per project.

Up to 5 years including the moratorium period.

Minimum collateral is 25% of the loan amount. A debt-service reserve account equivalent to 3 months of EMI is obtained upfront.

ROI and other service charges apply as per the bank's prevailing MSE borrower guidelines.

No application-document checklist or downloadable product document is published on the reviewed page.

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

The MITC states that there is no ceiling on the maximum loan amount.

The production credit limit is valid for 5 years, subject to annual review.

For loans up to ₹2 lakh, security is a demand promissory note and hypothecation of crops grown or assets created from the bank’s finance.

Processing charges are nil for aggregate loans up to ₹3 lakh.

Progressive/scientific farmers, corporate farmers, FPOs/FPCs, companies of farmers, proprietorships, partnerships, farmer cooperatives, large owner-cultivators, individual/joint borrowers and lease cultivators. Existing BKCC borrowers may qualify subject to no double financing of the same land parcel.

The scheme targets large, high-income, progressive and scientific farmers using modern agricultural methods, including corporate farmers, FPOs/FPCs, farmer companies, proprietorships, partnerships, cooperatives, owner-cultivators and lease cultivators. The page publishes no numeric income, turnover or business-vintage threshold.

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 MCLR + 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.

Due date is tied to the crop cycle: 12 months for short-term crops and 18 months for long-term crops from disbursement.

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.

The page publishes no state, district, branch-territory or applicant-residence restriction. Landholding and revenue-authority evidence are required, but those documentation rules do not define a stated geographic exclusion.

Individual farmers or joint borrowers who have held a Bank of Baroda Kisan Baroda Kisan Credit Card (BKCC) for at least 2 years and have a satisfactory repayment record on all advance accounts.

Individual farmers or joint borrowers must already hold Bank of Baroda Kisan Credit Card (BKCC) facilities for at least 2 years and have a satisfactory repayment record on all advance accounts. No numeric income, turnover or business-vintage requirement is published.

Up to 50% of the BKCC limit, subject to a maximum of ₹1 lakh.

Not published on the reviewed product page. The page publishes the facility purpose, amount, fees, security and 36-month period but no numeric rate or benchmark.

Repayment period is 36 months.

Existing BKCC security is extended. Existing norms allowing no collateral security up to ₹1.60 lakh apply when the combined limit remains within ₹1.60 lakh.

Application form and any one identity proof, such as driving licence, Aadhaar, voter ID or passport.

No state, district, branch-territory or applicant-residence restriction is published on the reviewed product page.

Existing MSE customers with satisfactory dealings for 3 years and existing loan/operative limit up to ₹10 lakh

3 years subject to annual review

Not published on the reviewed Baroda Laghu Udyami Credit Card page.

Not published on the reviewed Baroda Laghu Udyami Credit Card page.

Not published on the reviewed Baroda Laghu Udyami Credit Card page.

The page provides a Bank of Baroda branch contact path and publishes no state, branch or territorial restriction for eligible MSE customers.

No turnover or business-vintage threshold is published. The page instead requires a valid agreement with a Bank of Baroda service provider for financial-inclusion banking services and covers eligible SME vendors.

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.

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

The page lists the CGTMSE guarantee scheme but does not publish a separate collateral or security schedule.

No itemised document checklist is published on the reviewed page. The eligibility text requires a valid agreement with the Bank of Baroda service provider for the BC activity.

Facility ceilings vary by branch area: rural/semi-urban total ₹1.50 lakh, urban total ₹2 lakh and metro total ₹2.50 lakh. The page does not restrict the scheme to a particular state or city.

GST- and UDYAM-registered women-owned sole proprietorships, or firms/companies with at least 51% women ownership

For the higher working-capital limit benefit, digital-sales turnover must exceed 25% of assessed or total turnover. No separate minimum turnover, profitability or business-vintage threshold is published on the reviewed page.

Maximum tenor is 10 years. The page does not publish a separate minimum tenor, moratorium or repayment-frequency schedule.

No collateral up to ₹5 crore when covered under CGTMSE

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.

Not published on the reviewed official page. The page requires non-farm entrepreneurial activity but gives no turnover, business-vintage or minimum-income threshold.

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.

Not published on the reviewed official page. The page publishes a 20% margin for working-capital, term-loan, demand-loan and non-fund-based facilities and 25% for land and building, but does not state a separate collateral or security schedule.

Not published on the reviewed official page. Interest is described as competitive pricing linked to the Repo rate, but no processing-fee amount, percentage, cap or waiver is displayed.

Not published on the reviewed official page. The page describes the activity and existing-card exclusion but provides no itemised KYC, business, financial or collateral-document checklist.

MSEs registered on the UDYAM 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.

No interest rate, benchmark or spread is published on the reviewed SPICE page.

No repayment period or maximum loan tenure is published on the reviewed SPICE page.

Individuals and units trading physical commodities or goods required by the community, where the trade is lawful and not contrary to public interest.

Competitive pricing linked to Repo rate/MCLR.

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.

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.

Not published on the reviewed official page. The page says pricing is linked to Repo rate/MCLR but provides no processing, documentation, renewal or other charge amount.

Not published on the reviewed official page. No itemised KYC, financial, commodity-trade, property or security-document checklist is provided.

Maximum-limit tiers are published by location category: rural, semi-urban, urban and metro. No state, residence or branch-territory restriction is otherwise published.

Individuals, JLGs, SHGs and weaker-section persons with a Bank of Baroda banking relationship of at least 6 months. The borrower must own or possess the household property and the water/toilet work must be built within it.

Minimum ₹20,000 and maximum ₹1 lakh, subject to project cost.

One-year MCLR plus Strategic Premium plus 0.50%.

Term loan repayable in 60 months by monthly, quarterly or half-yearly instalments, including a moratorium of up to 3 months.

Primary security is hypothecation of assets created from the loan. The page also requires collateral in the form of a third-party guarantee, a DP Note, Composite Hypothecation Agreement, Letter of Instalment with Acceleration Clause (LDOC-57), General Form of Guarantee (LDOC-33) and other applicable undertakings.

Nil processing charge.

The page is presented as a rural-India sanitation facility but publishes no state, residence, branch-territory or project-location restriction beyond the household-property condition.

Working-capital limit equal to 10% of assessed MPBF.

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.

Not published on the reviewed official product page. The page lists eligibility, purpose, facility limit, security, period and pricing, but does not publish an application-document checklist.

No separate turnover or business-vintage threshold is published for the SME Loan Pack. The composite limit is tied to tangible net worth in the last audited balance sheet: 4.5 times tangible net worth or ₹10 crore, whichever is lower. MSME classification context on BOB's classification page uses investment and turnover ceilings, but those ceilings are not stated as a separate SME Pack eligibility threshold.

4.5 times the borrower's tangible net worth in the last audited balance sheet, or ₹10 crore, whichever is lower.

Competitive pricing linked to the Repo rate/MCLR.

Maximum term-loan period up to 7 years.

Not published on the reviewed SME Loan Pack page. It specifies a 25% margin and a net-worth-based composite limit but does not list primary security, collateral, guarantees or charge requirements.

Not published on the reviewed SME Loan Pack page. The Interest Rates & Charges section says pricing is linked to the Repo rate/MCLR but exposes no processing, documentation, inspection, renewal or prepayment fee amount or tariff.

Not published on the reviewed SME Loan Pack page. No application form, KYC list, audited-financial checklist, net-worth certificate or facility-specific document schedule is linked.

No turnover or business-vintage threshold is published. Eligibility is limited to educational institutions meeting the scheme's institution, HUF and BOB-6-or-above rating conditions.

Competitive pricing linked to the Repo rate/MCLR.

No repayment period or maximum tenure is published for the term loan or overdraft. The page only states that construction financed under the project must be completed within 2 years.

For overdraft, land and building are stated as the primary security, together with a fee-module facility with the bank. The complete page does not publish a broader collateral, guarantee or margin schedule for the term loan.

No processing fee, documentation charge or other borrower charge is published in the reviewed page's Interest Rates and Charges section.

The reviewed page does not publish an itemised document checklist. Applicants should confirm the current documentation list with Bank of Baroda before applying.

No territorial eligibility restriction is published. The page does publish higher facility ceilings for Mumbai/greater Mumbai and Delhi-NCR, and a higher term-loan ceiling for Bengaluru and Hyderabad.

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

Not published on the reviewed Bill Finance page.

Not published on the reviewed Bill Finance page.

Not published on the reviewed Bill Finance page.

Not published on the reviewed Bill Finance page.

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 CMR 1–5.

Large manufacturer/service-provider anchors: turnover ₹200 crore to ₹2,000 crore, external credit rating BBB or above, positive operating profitability for at least 3 years and at least 5 years established. Small manufacturer/service-provider anchors or sub-vendors: turnover ₹50 crore to ₹200 crore, positive operating profitability for at least 2 years, at least 3 years established and CMR rating 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.

Competitive pricing linked to BRLLR/Repo rate/MCLR.

Finance is provided for 90 days.

Not published on the reviewed product page. The Interest Rates & Charges section identifies benchmark-linked pricing but does not state processing, documentation, inspection, renewal, bill or prepayment charges, and no product tariff is linked.

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.

No turnover or operating-vintage threshold is published. The scheme covers new and existing food and agro-based processing units, including takeovers from other banks, with the listed eligible legal constitutions.

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

Pricing is explicitly linked to hard-security coverage. The page requires security documents and net-worth statements and publishes asset-specific margins: stocks/book debts 25%, new plant and machinery 25%, old plant and machinery 40%, and land/building 30%.

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

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.

The reviewed bob Digi Udyam page defines the target as Micro and Small Enterprises but does not publish a minimum or maximum annual turnover threshold. Eligibility remains subject to the bank's cash-flow assessment and scheme terms.

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.

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.

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.

Valid mobile number, PAN, Udyam number, GSTR-3B for the last 12 months, current-account statements for the last 12 completed months, latest filed ITR and access to Bank/Aadhaar-linked mobile authentication as applicable. The application remains valid for 90 days.

Up to 75% debt for group entities and up to 65% debt for standalone entities.

Specific concession of 0.10% on card rate, plus an additional 0.05% ROI concession for projects selected under the SIGHT incentive scheme.

Flexible repayment structure with tenure up to 10 years.

No numeric processing-fee amount or percentage is published. The Fees & Charges section instead publishes a 0.10% concession on card rate and an additional 0.05% ROI concession for projects selected under the SIGHT incentive scheme.

The MITC requires or references a TEV study under bank guidelines and key regulatory approvals/clearances: Consent to Establish and Consent to Operate from the State Pollution Control Board, water-procurement approval, Fire Department NOC, environmental clearance, Factories Act registration, Petroleum and Explosives Safety Organisation approval, and other site/sector-specific clearances. Project equity/quasi-equity contribution and take-or-pay/off-take contracts are also stipulated.

Not published on the reviewed official page. The scheme requires organic cultivation and cultivable land owned or held under a valid lease, but gives no turnover, business-vintage or minimum-income threshold.

Loans up to ₹3 lakh are charged at 7% p.a. subject to government interest subvention, with an additional 3% Prompt Repayment Incentive for timely repayment under KCC guidelines. Loan limits above ₹3 lakh receive a 0.50% interest concession.

Not published on the reviewed official page. The page describes the facility as short-term credit and gives a processing/inspection schedule, but no numeric repayment months, instalments or moratorium are stated.

Up to ₹2 lakh: DP note and hypothecation of crops/assets financed by the bank. Above ₹2 lakh: the same plus equitable or registered mortgage of land or a third-party guarantee. Organic certificates must be produced within the stipulated time to retain the concessional rate, and funds must be used only for organic-compliant inputs and activities.

Not published on the reviewed official page. Working-capital assessment refers to 20% of estimated/projected turnover less margin, but no minimum turnover, business-vintage or income threshold is stated.

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

Not published on the reviewed official page. It describes demand-loan and working-capital facilities but does not state a repayment tenor, moratorium or renewal period.

Exclusive hypothecation of machinery and stock, CGTMSE credit guarantee and a Mudra Card with daily withdrawal limit of ₹5,000.

Not published on the reviewed official page. The interest-rate section states competitive BRLLR-linked pricing and subsidy terms but gives no processing-fee amount or percentage.

Top-rated corporate clients with firm arrangements to raise equity, non-convertible debentures, external commercial borrowings, global depository receipts or foreign-direct-investment funds.

Not published on the reviewed official Bridge Loans page.

Not more than 12 months

Expected proceeds from equity issues, non-convertible debentures, external commercial borrowings, global depository receipts or foreign-direct-investment funds, where firm arrangements exist

Not published on the reviewed official Bridge Loans page.

Not published on the reviewed official Bridge Loans page.

Not published on the reviewed official Bridge Loans page.

Up to ₹30 crore.

Up to 5 years.

No collateral is required, no existing relationship is needed, and existing borrowers can receive standalone sanctions. Assessment and documentation are simplified, with no hidden charges stated on the reviewed page.

Concessional one-time processing fees apply, but the reviewed official page does not publish the amount or percentage.

The reviewed official page publishes no state, residence, branch-territory or usage-country restriction for the commercial-vehicle facility.

Eligible micro, small and medium enterprises

Not published on the reviewed official page. The facility is described for fixed-capital and/or working-capital needs, but no turnover, business-vintage or minimum-income threshold is stated.

Up to ₹100 lakh.

Competitive pricing linked to the Repo rate/MCLR.

3 to 10 years, extendable, with an initial holiday of 12 to 18 months for both interest and principal.

No collateral security or third-party guarantee is required.

Not published on the reviewed official page. It says pricing is linked to the Repo rate/MCLR but contains no processing-fee amount, percentage or waiver schedule.

No product-specific document checklist is published on the reviewed official page. It contains no Documents Required section or itemised application-document list.

The reviewed official page publishes no state, residence, branch-territory or usage-country restriction for Composite Loans.

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.

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.

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.

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.

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.

The scheme has no general state or branch restriction. It provides additional 10% guarantee-fee concessions and/or higher coverage for specified geographic categories: North East Region including Sikkim, Union Territories of Jammu & Kashmir and Ladakh, Aspirational Districts and RBI-identified Credit Deficient Districts (ICDD).

Farmers, SHGs, JLGs, farmer proprietorships, corporate farmers, FPOs/companies of individual farmers, partnerships and farmer cooperatives directly engaged in agriculture/allied activities can borrow up to ₹75 lakh against pledged or hypothecated produce for up to 12 months. Food and agro-processing units may have aggregate banking-system limits up to ₹100 crore. Eligible receipts include government warehouse receipts, WDRA E-NWRs from NERL/CCRL, empanelled collateral-manager receipts and approved private warehouse/cold-storage receipts.

Maximum ₹75 lakh for directly engaged farmers against produce and maximum ₹100 crore aggregate banking-system limit for food and agro-processing units.

Maximum 12 months.

Pledge of the agricultural commodity and duly discharged or lien-marked warehouse receipts in the Bank’s favour.

For the Non-MSME variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an NPA with any bank/lender at sanction or disbursement, have an active working-capital limit and, as a direct exporter, at least 20% export turnover.

For the Non-MSME variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an NPA 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.

4 years including a 1-year moratorium.

The scheme provides 100% NCGTC guarantee coverage, requires no additional collateral and no personal/corporate guarantee, and creates a second charge on cash flows and existing securities.

Nil processing fee and no additional collateral or personal/corporate guarantee.

For the Non-MSME variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an NPA with any bank/lender at sanction or disbursement, have an active working-capital limit and, as a direct exporter, at least 20% export turnover.

For the Non-MSME variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an NPA 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.

4 years including a 1-year moratorium.

No additional collateral or personal/corporate guarantee is required. The facility carries a second charge on existing securities.

Nil processing fee and no additional collateral or personal/corporate guarantee.

The reviewed CGSE Non-MSME page does not publish a named document checklist. Existing-borrower sanction and guarantee documentation must be confirmed with Bank of Baroda.

No state, district or territorial restriction is published. Eligibility is defined by exporter status, existing Bank of Baroda working-capital exposure and the scheme’s credit conditions.

No separate processing fee is published on the reviewed CGSS page. It does publish an NCGTC guarantee fee of 1% p.a. for 27 champion sectors, 1.50% p.a. for North-East units and women entrepreneurs, and 2% p.a. for other units.

Not published on the reviewed CGSS page.

Eligible micro, small and medium enterprises

The scheme page identifies tiny, small-scale, khadi, village and coir units and eligible technology sectors, but publishes no turnover or business-vintage threshold.

15% of investment in eligible machinery financed institutionally up to ₹1 crore, with maximum subsidy of ₹15 lakh.

Not published on the reviewed CLCSS page. The 15% figure is a capital-subsidy rate, not the interest rate on the underlying term loan.

The subsidy is available only where a term loan is sanctioned, but the reviewed page publishes no repayment period or maximum tenure.

Not published on the reviewed CLCSS page.

Not published on the reviewed CLCSS page.

Farmers, agricultural enterprises and eligible rural borrowers

The official page does not publish a numeric maximum or minimum loan amount. Its MITC instead gives rate bands for limits up to ₹3 lakh, above ₹3 lakh and below ₹25 lakh, and ₹25 lakh and above.

Up to ₹3 lakh: one-year MCLR + Strategic Premium. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + Strategic Premium +1.25%. For ₹25 lakh and above with a period under 3 years: one-year MCLR + Strategic Premium +2.00%.

Up to ₹1.60 lakh: DP note and hypothecation of crops/assets financed. Above ₹1.60 lakh: the same plus equitable or registered mortgage of land or a third-party guarantee.

Eligibility, documents and fees follow the programme parameters agreed with the participating corporates.

Not published on the reviewed Dealer Finance page.

Not published on the reviewed Dealer Finance page.

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.

12 months.

No product-specific processing, renewal or other borrower fee is published on the reviewed page.

No application-document checklist or downloadable product document is published on the reviewed page.

Micro, small and medium manufacturing or service enterprises meeting the Government of India MSME investment and turnover definitions.

₹10 lakh minimum and ₹5 crore maximum for working-capital fund-based facilities.

12-month working-capital tenor, subject to annual review

First charge on all assets created from the loan or other security mutually agreed with the bank.

Not published on the reviewed official page. The product requires an existing non-farm micro or small enterprise but gives no turnover, business-vintage or minimum-income threshold.

Application is available through the bobWorld application, bobWorld Internet and the Bank of Baroda website via redirection to the JanSamarth Portal. No state, residence or branch-territory restriction is published.

Artisans/craftspeople in one of 18 identified traditional trades

Not published on the reviewed official page. It describes collateral-free artisan loans and no-prepayment charges but does not state a repayment tenor, instalment schedule or moratorium.

Not required

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.

No universal rupee or foreign-currency facility ceiling is published. Export finance limits are assessed against the exporter's credit needs, confirmed orders or L/C and Bank of Baroda's credit norms. Under the Exporter Gold Card, appropriate pre- and post-shipment limits are sanctioned for three years, with an additional standby limit of up to 20% of the assessed limit for urgent orders.

No collateral, guarantee or margin schedule is published on either reviewed Export Finance page. The pages require exporters to satisfy Bank of Baroda's credit norms and provide export orders or recognised-bank L/Cs, but do not state the security package.

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.

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.

No universal facility ceiling is published. Limits are assessed against the exporter's credit needs, confirmed orders or L/C and Bank of Baroda credit norms. Baroda Exporter Gold Card pre- and post-shipment limits are sanctioned for three years with annual review, plus a standby limit of up to 20% of the assessed limit for urgent orders.

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.

No collateral, guarantee or margin schedule is published on the reviewed International Banking page. Exporters must satisfy the bank's credit norms and provide confirmed export orders or recognised-bank L/Cs.

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

The facility is described for Indian exporters through Bank of Baroda's India network. No exporter state, branch or territorial restriction is published on the page.

Indian corporates may raise foreign-currency borrowings from confirmed banking sources outside India within the applicable Government of India/RBI ECB policy. The bank assesses the company's financial and other information and required approvals.

Not published on the reviewed Bank of Baroda pages or linked service-charge schedule. No turnover, revenue, profitability or minimum business-vintage threshold is stated.

The Bank of Baroda IFSC page publishes no-RBI-approval ECBs up to USD 750 million or equivalent per financial year, irrespective of borrower category, under the page's applicable ECB framework. Amounts and routes remain subject to current RBI/Government of India rules and Bank appraisal.

Minimum average maturity period is 3 years. The current RBI Master Direction records use-specific exceptions and conditions, so the applicable minimum must be confirmed for the borrower and end-use before drawdown.

The page requires the company's financial and other information for Bank appraisal, a mandate to arrange the ECB, required RBI/Government of India approvals, a loan agreement and (if applicable) a charge on securities. No complete itemised application-document checklist is published.

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

Not published on the reviewed FCNR Loans page.

3 to 36 months, subject to periodic rollover.

Not published on the reviewed FCNR Loans page.

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

Not published on the reviewed FCNR Loans page.

Not published on the reviewed FCNR Loans page.

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 official page requires a viable scheme and the ability to carry out the proposed custom farmer services, but publishes no minimum or maximum turnover threshold.

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.

Term loan: hypothecation of financed machinery plus mortgage of land/building and/or third-party guarantee above ₹1 lakh. Cash credit: pledge or hypothecation of stock in charge.

No turnover or business-vintage threshold is published. Eligibility is based on the applicant’s agriculture or allied-subject qualification and the proposed Agriclinic or Agribusiness Centre project.

Individual projects: ₹20 lakh, or ₹25 lakh for extremely successful individual projects. Group projects: ₹20 lakh per trained person with an overall ceiling of ₹100 lakh, whichever is lower for subsidy purposes.

5 to 10 years depending on activity, with a maximum moratorium of 2 years.

Up to ₹5 lakh: hypothecation of assets with no collateral security. Above ₹5 lakh: asset hypothecation plus mortgage of land or third-party guarantee.

Individuals cultivating crops as land owners, permanent tenants or reasonably long-term leaseholders with productive use for the construction. Farmhouse/dwelling applicants must own the land and have sufficient income for instalments.

No cap on loan amount.

Farmhouse/dwelling unit: up to 15 years. Other farm structures: up to 7–10 years depending on the project.

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

Not published. The page does not state a turnover, revenue, profitability, business-vintage or minimum-income threshold.

Need-based: funding depends on the overall capital expenditure, working capital and the customer's margin contribution. No universal minimum or maximum loan amount is published.

The product is presented under Bank of Baroda Rural and Agri Banking for agriculture and allied activities in India. No state, district, branch or territorial restriction is published on the reviewed page.

The page requires family income sufficient to repay and land-based activity as the farmer's main income source, but it does not publish an annual turnover threshold.

Up to ₹30 lakh for a new vehicle.

Repayment is over 7 years. Instalments may be monthly, quarterly, half-yearly or yearly, based on the cropping pattern or income generation.

Composite hypothecation agreement for agricultural advances.

Processing charge is ₹1,500 + GST for loans up to ₹10 lakh (₹10,00,000), and ₹2,000 + GST above ₹10 lakh. Inspection charges are nil for aggregate loan limits up to ₹3 lakh (₹3,00,000).

No numeric turnover or business-vintage threshold is published. The applicant must have a sufficient source of income to service the loan interest and instalments, with satisfactory repayment capacity.

For limits up to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP + 1.25%. At ₹25 lakh and above: one-year MCLR + SP + 2.10% for a term of 3 to 5 years, or +2.15% for above 5 years up to 7 years.

Term-loan repayment must not exceed 7 years for plants sized 2–4 cubic metres and must not exceed 5 years for plants sized 6 cubic metres and above. The page does not publish a numeric moratorium.

Up to the cost of the economic unit or ₹1 lakh, whichever is lower: demand promissory note and hypothecation of assets. Above ₹1 lakh: demand promissory note, hypothecation of assets, and mortgage of land or a third-party guarantee.

Processing is nil for aggregate agriculture exposure up to ₹3 lakh. Above ₹3 lakh, it is 1% of the sanctioned limit capped at ₹100 lakh. Inspection is nil up to ₹3 lakh, ₹250 above ₹3 lakh to ₹10 lakh, ₹1,000 above ₹10 lakh to ₹1 crore, and ₹5,000 above ₹1 crore.

Persons cultivating crops as land owners, permanent tenants or reasonably long-term lease-holders.

The page requires cultivation by a land owner, permanent tenant or reasonably long-term lease-holder, but publishes no annual turnover threshold.

The official page publishes charge and margin thresholds but no minimum or maximum sanctioned loan amount. The limit is assessed against the irrigation investment, asset life, margin and repayment capacity.

Up to 9 years, depending on investment purpose and asset economic life.

Up to ₹1.60 lakh or the economic-unit cost, whichever is lower: DP note and hypothecation of assets. Above ₹1.60 lakh: asset hypothecation plus land mortgage or third-party guarantee.

Individual farmers, SHGs, JLGs, farmer proprietorships, landless labourers, tenant farmers, oral lessees, sharecroppers, corporate farmers, FPO/FPC companies, partnerships and farmer cooperatives engaged in agriculture or allied activities.

The page requires the applicant to be directly engaged in agriculture or allied activities and, for project implementation, to have relevant experience or training. It publishes no annual turnover threshold.

3 to 9 years with a 3–12 month moratorium, based on purpose, asset life and project cash flow.

Processing and inspection charges are nil for aggregate loans up to ₹3 lakh (₹3,00,000). Above ₹3 lakh, processing is 1% of the sanctioned limit, capped at ₹100 lakh (₹1,00,00,000). Inspection is ₹250 above ₹3 lakh to ₹10 lakh, ₹1,000 above ₹10 lakh to ₹1 crore and ₹5,000 above ₹1 crore. Prepayment charges are nil.

Up to ₹50,000.

Within 5 years.

Hypothecation of the solar system financed under the term loan.

The scheme finances solar home-lighting systems for farmers in rural and semi-urban places. No state, district or branch-territory restriction is published.

Minimum ₹10 lakh and maximum ₹30 crore including AMC and insurance fees.

Not published on the reviewed Solar Projects Finance product page, linked MSME interest-rate page or the bank's download-forms index. Security is subject to the bank's extant lending guidelines and the sanction documents.

Not published for this scheme on the reviewed product page, linked MSME interest-rate page or service-charge index. Any applicable fee should be confirmed in the sanction letter or current branch tariff before application.

No limitation on the basis of location is published. Leads may be sourced by Bank of Baroda or its appointed external agencies.

No turnover, income or business-vintage threshold is published. Eligibility is instead tied to a minimum 4 acres of irrigated land (or the corresponding state land-ceiling acreage) and a tractor up to 35 HP for holdings below 6 irrigated acres.

A numeric minimum, maximum or overall loan ceiling is not published on the reviewed product page. The MITC publishes only rate bands for limits up to ₹3 lakh, above ₹3 lakh and below ₹25 lakh, and ₹25 lakh and above.

Up to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: +1.25%. ₹25 lakh and above: +2.00% below 3 years, +2.10% for 3–5 years and +2.15% for above 5–7 years.

The reviewed official page does not publish a collateral, mortgage, hypothecation or guarantee requirement. Confirm the security package with Bank of Baroda before applying.

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

The SHG must have been active for at least 6 months, practise the Panchasutras (regular meetings, savings, inter-loaning, repayment and up-to-date books) and meet NABARD grading norms. Revived defunct groups qualify after at least 3 months of renewed activity.

Cash credit/overdraft: 12 months with annual review. Demand/term loans: 24–84 months or the applicable scheme/project period.

Indian and multinational corporations can approach their dealing branch, position-maintaining/authorised foreign-exchange branch, corporate or industrial finance branch, major city branch, regional/zonal office or the International Division at Mumbai for requirements and guidelines.

Not published on the reviewed official page. It directs interested corporations to their dealing, corporate-banking or authorised-foreign-exchange branch for the applicable information and guidelines.

Not published on the reviewed official page. The page describes foreign-currency facilities and directs corporations to their Bank of Baroda branch or office for the required information and guidelines.

The page describes FCNR(B) and money-centre foreign-currency credits as available at competitive rates, but publishes no numeric borrower rate, benchmark, spread or reset basis.

Not published on the reviewed official page. No repayment period, maturity, operating-cycle cap or renewal schedule is stated for these foreign-currency credits.

Not published on the reviewed official page. No processing, arrangement, documentation or commitment fee is stated.

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.

The page does not publish a fixed checklist. Borrowers must provide all information required for sanction of credit facilities, then execute the bank’s documents and comply with all sanctioned terms.

The page requires the applicant to be engaged in raising fruit gardens, plantations or nursery crops as an owner, permanent tenant or long-term leaseholder. No numeric turnover, income or business-vintage threshold is published.

The page does not publish a universal minimum or maximum loan amount. It instead states that capital and maintenance costs are financed, with margin and pricing determined by facility type and limit bands.

Up to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP +1.25%. ₹25 lakh and above: +2.00% for under-three-year CC/OD/DL, +2.10% for 3–5 years and +2.15% above 5–7 years.

Up to ₹1.60 lakh: D.P. Note and hypothecation of crops. Above ₹1.60 lakh: D.P. Note, hypothecation of crops and mortgage of land or third-party guarantee, etc.

The official page is for horticulture borrowers in India and publishes no state, district or branch-territory restriction. Eligibility turns on the horticulture activity and ownership, tenancy or long-term lease of the land.

Not published on the reviewed official page. No turnover, business-vintage or minimum-income threshold is stated.

The page describes import-bill collection, SBLC trade credit and UPAS LC as available at competitive pricing/rates, but publishes no numeric borrower rate, benchmark or spread.

Trade Credit through SBLC can fund capital-goods imports for up to 3 years and non-capital-goods imports for up to 1 year or less, based on the business requirement. UPAS LC provides extended payment terms according to the operating cycle and contracted due date. No separate tenor is published for other facilities.

Not published on the reviewed official page. No processing, L/C opening, documentation, guarantee or SBLC fee amount is stated.

Not published on the reviewed official page. The page describes assessment of requirement, creditworthiness and financial strength, and says facilities are subject to Bank/RBI rules, but does not link an itemised importer checklist.

Import services are available to importers in India through Bank of Baroda's 236 authorised branches for import-bill collection, with correspondent-bank relationships supporting imports from any part of the globe. No state-level restriction is published.

Not published on the reviewed Infrastructure Finance page.

Not published on the reviewed Infrastructure Finance page.

Not published on the reviewed Infrastructure Finance page.

Not published on the reviewed Infrastructure Finance page.

Not published on the reviewed Infrastructure Finance page.

Not published on the reviewed Infrastructure Finance page.

Not published on the reviewed Infrastructure Finance page.

Not published on the reviewed Infrastructure Finance page.

Eligibility, documents and fees follow the programme parameters tied up with participating corporates. A formal dealership agreement is not required, even where the anchor has a dealer-distribution network.

Not published on the reviewed Inventory Funding page.

Not published on the reviewed Inventory Funding page.

Members should have similar socio-economic backgrounds, undertake farming or allied activities, reside nearby, know and trust each other, and not have defaulted with another formal financial institution. More than one member from a family cannot join the same JLG.

No turnover, income or business-vintage threshold is published. Members must carry out farming or allied activities, belong to a similar socio-economic background, form a homogeneous group and have no prior default to another formal financial institution.

Maximum ₹1 lakh per individual and ₹10 lakh per JLG.

No processing, documentation or inspection charge is levied when per-member exposure is up to ₹25,000. The reviewed page does not publish a numeric charge for higher per-member exposure.

Members must live in the same village, area or neighbourhood and know and trust one another well enough to take joint liability. No wider state or district restriction is published.

No turnover, revenue or operating-vintage threshold is published. The page instead requires an individual borrower who is the true owner of eligible gold and an Indian resident.

Processing is nil up to ₹25,000. For amounts above ₹25,000 up to ₹25 lakh, applicable charges plus GST apply. Pre-closure/prepayment charges are nil.

The reviewed Agriculture Gold Loan page does not publish a named document checklist. Confirm the current KYC, ownership and valuation documents with the lending branch before applying.

Not published on the reviewed Line of Credit page.

Not published on the reviewed Line of Credit page.

Not published on the reviewed Line of Credit page.

Not published on the reviewed Line of Credit page.

Not published on the reviewed Line of Credit page.

Not published on the reviewed Line of Credit page.

Owners of commercial properties let, or proposed to be let, to reputed companies, firms, MNCs, banks, public-sector undertakings, established commercial organisations or government/quasi-government institutions.

Eligibility is tied to ownership of commercial property let or proposed to be let to reputed companies, firms, MNCs, banks, public-sector undertakings, established commercial organisations or government/quasi-government institutions. No numeric turnover, rent-income or business-vintage threshold is published.

Up to ₹400 crore for eligible malls where more than 65% of rental income is from commercial shops, and up to ₹3,000 crore for office premises.

Rate of interest is prescribed by Bank of Baroda from time to time.

Not published on the reviewed product page, service-charge tariff or linked download-forms index. The repayment schedule must be confirmed in the sanction documents.

Not published on the reviewed product page or linked official materials. Any assignment of rent receivables, mortgage or other security is subject to the sanction terms and applicable bank guidelines.

1% of the loan amount without a cap, subject to a minimum of ₹1,000, according to the bank's service-charge schedule.

Not published as a product-specific checklist on the reviewed official page or the linked Download Forms index. Applicants should obtain the current corporate-loan checklist from Bank of Baroda before applying.

No state, city, branch-territory or other geographic restriction is published. The scheme is presented as a Bank of Baroda corporate-banking product in India, subject to normal approval and property/tenant due diligence.

Individuals, proprietorships, partnerships and companies engaged in construction or mining, including first-time buyers and small, medium, large and strategic-segment contractors/operators.

No turnover, income or operating-vintage threshold is published. Eligibility is stated for first-time buyers and small, medium, large or strategic-segment contractors and mining operators engaged in construction or mining.

Up to ₹50 crore.

MSME interest is linked to the Repo Rate (BRLLR). Other enterprises’ interest is linked to the one-year MCLR. The page describes the rate as concessional/competitive but publishes no numeric spread.

Up to 5 years.

No collateral required according to the product's key features.

Individuals, groups of individuals, SHGs, JLGs, NGOs, farmer clubs and farmer producer organisations.

The page lists eligible applicants as individuals, groups, SHGs, JLGs, NGOs, farmer clubs and farmer-producer organisations. No numeric turnover, income or business-vintage threshold is published.

The page does not publish a universal minimum or maximum loan amount. It finances the solar photovoltaic pump project and uses ₹3 lakh, ₹25 lakh and tenor bands for pricing and charges, not as an overall facility ceiling.

Maximum 10 years.

Up to ₹1 lakh: hypothecation of solar pumps. Above ₹1 lakh to ₹5 lakh: hypothecation plus third-party guarantee. Above ₹5 lakh: mortgage of land.

The scheme is presented as an India agriculture product and publishes no state, district, branch-territory or other geographic restriction. Applications remain subject to Bank of Baroda approval and local project/land checks.

Individuals who self-declare or provide proof that they are engaged in agriculture, or that the LABOD/ODBOD proceeds will be used for agriculture.

No turnover, income or business-vintage threshold is published. The page requires an individual’s self-declaration or proof that they are engaged in agriculture, or that LABOD/ODBOD proceeds will be used for agriculture.

Nil.

KYC documents such as Aadhaar, Voter ID, PAN Card or Driving Licence, and the fixed/short deposit receipt (FDR/SDR).

The official LABOD/ODBOD page does not publish a state, district or territorial restriction. It does require the loan to be granted from the same branch where the fixed-deposit account is opened.

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.

No numeric turnover or revenue threshold is published. The eligibility rule requires at least 2 years established in the same line of activity and at least 1 year of satisfactory account dealings.

3 to 7 years including the moratorium period.

Not published on the reviewed product page. The page specifies margin and aggregate exposure but does not state primary security, collateral, guarantee or charge requirements.

Not published on the reviewed product page. No processing, documentation, commitment, inspection, renewal or prepayment fee is stated and no product tariff is linked.

The product is presented through Bank of Baroda's India MSME banking channel. No state, district, branch or territorial restriction is published on the reviewed page.

Not published as a universal rupee limit on the reviewed page. Bank of Baroda describes multiple MSME loan and advance uses, but no minimum or maximum sanctioned amount is shown.

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.

Not published on the reviewed catalogue page. No numeric repayment period, moratorium, maturity or instalment frequency is stated.

Not published on the reviewed catalogue page. It does not state primary security, collateral, guarantee or charge requirements for the different MSME facilities.

Not published on the reviewed catalogue page. No processing, documentation, inspection, commitment, renewal or prepayment fee schedule is linked.

The product is presented through Bank of Baroda's India MSME banking channel. No state, district, branch or territorial restriction is published on the reviewed page.

Uttar Pradesh resident aged 21–40, at least eighth-standard pass, trained under an eligible government skill/training programme or holding a government-approved skill qualification, and not previously benefiting from central/state interest or capital subsidy (except PM SVANidhi).

Phase I: up to ₹4.50 lakh. Phase II: twice the Phase I loan or up to ₹7.50 lakh, whichever is lower.

The reviewed CM-YUVA page does not publish a repayment period or moratorium. Confirm the repayment schedule in the sanction documents or with Bank of Baroda before applying.

The official benefits section describes the loan as collateral free. Specific documentation or guarantees beyond that headline are not itemized on the page.

Nil.

Uttar Pradesh resident aged 21–40, at least eighth-standard pass, trained under an eligible government skill/training programme or holding a government-approved skill qualification, and not previously benefiting from central/state interest or capital subsidy (except PM SVANidhi).

Not published on the reviewed Non Fund Based Services page.

Not published on the reviewed Non Fund Based Services page.

Not published on the reviewed Non Fund Based Services page.

Not published on the reviewed Non Fund Based Services page.

Not published on the reviewed Non Fund Based Services page.

Not published on the reviewed Non Fund Based Services page.

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%.

12 months.

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

No state, district or territorial restriction is published. The scheme is presented for eligible food and agro-processing units under Bank of Baroda’s agriculture banking segment.

Not published on the reviewed Payable Finance page.

Not published on the reviewed Payable Finance page.

Savings Bank rate of interest is paid to farmers on the credit balance maintained in the Planters Card account. The page does not publish a numeric borrowing rate for the card facility.

Street vendors in notified States/UTs and eligible city-regions, supported by a Certificate of Vending, identity card or Letter of Recommendation from the relevant local authority.

Not published on the reviewed official page. Eligibility is based on street-vendor status and local-authority certification/letter, not a stated turnover, business-vintage or minimum-income threshold.

BRLLR + Strategic Premium, stated as 8.40% p.a. at present with monthly rests.

The scheme extends to States and Union Territories that have notified rules under the Street Vendors (Protection of Livelihood and Regulation of Street Vending) Act, 2014, and to census towns and peri-urban city-regions in a graded manner. No narrower Bank of Baroda branch restriction is published.

Collateral-free enterprise loan up to ₹3 lakh in two tranches: up to ₹1 lakh for 18 months and up to ₹2 lakh for 30 months.

Not published on the reviewed official page. The page sets out applicant, land, plant/pump-capacity and component conditions but no turnover, business-vintage or minimum-income threshold.

Component A: project cost ₹3.5 crore/MW, maximum ₹7 crore for 2 MW and maximum loan ₹10 crore. Component B: ₹3.25 lakh per pump with maximum loan ₹0.97 lakh. Component C: ₹4.50 lakh per pump with maximum loan ₹1.35 lakh.

Up to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP + 1.25%. For ₹25 lakh and above: +2.00% below 3 years, +2.10% for 3–5 years, +2.15% above 5–10 years and +2.95% above 10 years.

Component A: up to 15 years including 6-month moratorium. Components B/C: up to 10 years including 6-month moratorium. Margin is 30% for A and 10% for B/C.

Primary security is hypothecation of the financed assets. Mortgage of land or a third-party guarantee applies according to the bank’s agriculture-security norms and the component/loan structure.

KYC/identity proof (for example Aadhaar, voter ID, PAN or driving licence), photograph, land record or online land record, equipment quotation/invoice where available, project report where available and income-tax returns where available.

The scheme is offered in India through the applicable State/Union Territory implementation and nodal arrangements. The reviewed Bank of Baroda page does not publish a narrower state, branch-territory or residence exclusion.

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

Up to ₹50 crore.

Up to 5 years.

Concessional one-time processing fees are stated. The official page does not publish a numeric amount, percentage, cap or waiver condition.

The official page presents this as a Bank of Baroda facility in India and publishes no state, district, branch-territory or other geographic restriction.

First loan: project cost up to ₹50 lakh in manufacturing and ₹20 lakh in business/services. Second loan for upgrading an existing PMEGP/REGP/MUDRA unit: up to ₹1 crore manufacturing and ₹25 lakh business/services.

Repayment is 3–7 years with an initial moratorium of up to 6 months. Interest is charged as applicable to the MSE sector.

Not published on the reviewed official page. No turnover, revenue, profitability, project-vintage or minimum-income threshold is stated.

Not published on the reviewed official page. No project-cost percentage, minimum, maximum or sanctioned-loan ceiling is stated.

Not published on the reviewed official page. No numeric interest rate, benchmark, spread or reset basis is stated.

Not published on the reviewed official page. No construction period, repayment tenor, moratorium, maturity or renewal schedule is stated.

Not published on the reviewed official page. No security, guarantee, margin, escrow or collateral schedule is stated.

Not published on the reviewed official page. No processing, arrangement, documentation, commitment or export-related fee is stated.

Not published on the reviewed official page. No project report, financial-statement, approval, security or application-document checklist is linked.

The facility covers projects in India and project exports involving foreign currency. No state, branch, country or territorial restriction is published.

Owners of agricultural land, tenant farmers and oral lessees who preferably already have yielding estates and can rejuvenate the estate proposed for purchase, while meeting applicable State Government agriculturist or income norms.

No numeric turnover or business-vintage threshold is published. Borrowers must be engaged in agriculture, preferably have a yielding estate capable of rejuvenation, and satisfy the applicable State Government agriculturist or income criteria.

No fixed minimum or maximum loan amount is published. The amount is assessed from the estate valuation, purchase consideration, guidance/circle rate, recent local registered-sale prices and the proposed plantation project.

For cash credit/OD and demand loans below 3 years: CR1 +1.50%, CR2 +1.75%, CR3 +2.00%, CR4 +2.50%, CR5 +2.75%, CR6–CR10 +3.25% over one-year MCLR + SP. Term loans of 3 years or more range from one-year MCLR + SP + 1.60% to +3.35%.

Mortgage of the estate purchased and hypothecation of plantation crops raised on it, with collateral mortgage of landed property, preferably residential property.

KYC documents (Aadhaar, Voter ID, PAN Card or Driving Licence), passport-size photo, quotation/invoice if available, land records, project report if available and ITR wherever applicable.

Owners of agricultural land, tenant farmers and oral lessees who preferably already have yielding estates and can rejuvenate the estate proposed for purchase, while meeting applicable State Government agriculturist or income norms.

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.

Not published on the reviewed official page. It requires a qualifying CBG plant and an Oil Marketing Company letter of intent, but gives no turnover, business-vintage or minimum-income threshold.

No minimum or maximum rupee facility amount is published. The scheme can provide working capital, term loan, bank guarantee or letter of credit for an eligible CBG plant with designed capacity of at least 2.0 tonnes per day.

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.

Exclusive charge over project assets, hypothecation of stock and book debts, personal/corporate guarantee of promoters or related entities, charge over the lender escrow account and assignment/charge on commercial agreements.

Completed application form, two passport-size photographs, identity proof such as driving licence/Aadhaar/voter ID/passport, certified or online land records, an Oil Marketing Company letter of intent for production and supply of CBG, and the other project papers requested during appraisal. The page also refers to a Ministry of New and Renewable Energy letter of intent/indent in its document list.

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.

Small/marginal farmers, SHGs, JLGs and FPO/FPCs: up to 180 months with holiday up to 23 months. Others: up to 84 months with holiday up to 11 months.

Up to ₹1.60 lakh: hypothecation of crops, produce or assets created from finance. Above ₹1.60 lakh: mortgage, lien or charge on land and/or equitable mortgage of immovable property.

No state, district or territorial restriction is published. The scheme is presented for farm-development activities through Bank of Baroda’s rural and agriculture channels.

Registered Farmer Producer Organisations/Companies with at least 3 months of operations since registration.

Cash credit: 12 months subject to annual renewal. Term loan: 3–7 years including a 3–12 month moratorium, with monthly, quarterly, half-yearly or yearly instalments based on project cash flow.

No state, district or territorial restriction is published. Registered FPCs/FPOs are assessed through Bank of Baroda’s agriculture channels.

Minimum ₹5 lakh and maximum ₹7.50 crore.

Individuals, farmers and members of NGOs, SHGs or JLGs aged 21–65 when the facility is availed.

No turnover, income or business-vintage threshold is published. The scheme instead requires an eligible individual, farmer or NGO/SHG/JLG member establishing a new 2–10-animal dairy unit.

Up to 5 years including a 3-month moratorium.

No state or district restriction is published. Per-animal cost is taken from the NABARD Regional Office for the concerned state, so the sanctioned unit cost can vary by state.

NBFC-MFIs engaged in on-lending to individuals or groups for activities eligible for Priority Sector classification under Agriculture, MSME and other RBI-defined categories.

Not published. The reviewed page does not state a turnover, asset-size, profitability, business-vintage or minimum-income threshold for the NBFC-MFI borrower.

Loans up to ₹3 lakh: one-year MCLR + SP + 0.50%. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP + 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%.

Not published. The page offers demand-loan and term-loan facilities and says the 10% cash collateral term deposit is kept for the loan tenure, but it does not state a numeric repayment period, maturity or renewal cycle.

Not published. No application form, KYC list, financial-statement checklist, RBI compliance certificate or book-debt schedule is linked on the reviewed product page.

The product is presented under Bank of Baroda Rural and Agri Banking for priority-sector on-lending in India. No state, district, branch or territorial restriction is published.

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.

No turnover or operating-vintage threshold is published. Eligible beneficiaries include fishers, fish farmers, fish workers/vendors, fisheries corporations, SHGs/JLGs, cooperatives, entrepreneurs, private firms and fish-producer organisations.

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.

Hypothecation of financed movable structures/equipment/machinery, mortgage of land and buildings, hypothecation of stock and book debts, personal guarantees of proprietors/partners/promoters/directors, charges on financed fixed/current assets and any other acceptable security.

₹25 lakh minimum and ₹100 crore maximum.

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

Term loan: first charge over fixed assets and second charge over current assets. Working capital: first or second charge over fixed assets and first charge over current assets. Exposure above ₹10 crore requires at least 25% collateral other than fixed assets already charged as primary security.

The reviewed official Textile Units page does not publish a named document checklist. Confirm the current checklist with Bank of Baroda before applying.

PACS, marketing cooperative societies, JLGs, FPOs, SHGs, multipurpose cooperatives, agri-entrepreneurs, startups, aggregation infrastructure providers and central/state/local-government-sponsored PPP projects.

No turnover, income or operating-vintage threshold is published. Eligibility is based on the listed post-harvest/community-farming project and beneficiary types, including PACS, cooperatives, JLGs, FPOs, SHGs, agri-entrepreneurs, start-ups and eligible public-private-partnership projects.

Up to ₹2 crore: one-year MCLR plus 100 basis points, floating, capped at 9.00%. Above ₹2 crore, spreads range by internal rating and immovable-property security coverage from MCLR + SP +0.30% to +1.40%.

3 to 15 years including a moratorium of 6 months to 2 years.

For loans up to ₹2 crore, eligible borrowers may receive CGTMSE credit-guarantee coverage. Security also includes hypothecation of movable structures, equipment and machinery financed by the Bank, mortgage of fixed-asset land and buildings, personal guarantees of proprietors/partners/promoters/directors and any other security acceptable to the Bank.

PACS, marketing cooperative societies, JLGs, FPOs, SHGs, multipurpose cooperatives, agri-entrepreneurs, startups, aggregation infrastructure providers and central/state/local-government-sponsored PPP projects.

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.

Not published on the reviewed product page. The page specifies margins by facility type but does not state collateral, guarantee, hypothecation or mortgage requirements.

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

The page publishes different minimum loan amounts for rural/semi-urban (₹5 lakh) and urban/metro (₹10 lakh) branches, but no state, district or applicant-residence restriction.

No turnover, income or operating-vintage threshold is published. Eligibility is based on small/marginal farmer, sharecropper/tenant-farmer and qualifying women land-owner status, with priority for distress cases, widows and SHG members.

7 to 12 years with half-yearly or yearly instalments, including a maximum moratorium of 24 months.

The agricultural land purchased using the bank loan is mortgaged in favour of Bank of Baroda and forms the security for the loan.