current sets + spreads by internal credit-rating and immovable-property security coverage: CR-1–3 add 0.30%–0.90%
CR-4–6 add 1.00%–1.75%. The DAHD separately caps the lending rate for projects within limits at + 200 basis points
other projects may use the bank's commercial rate. 3% interest subvention is separate from the loan rate.
Repayment can run up to 10 years from first disbursement, including up to 2 years' principal moratorium. The 3% interest subvention is limited to 8 years
this is a subsidy period, not the repayment ceiling.
An individual undertaking non-farm entrepreneurial activity across India. Ineligible if already issued , BACC, BWCC, LUCC, or another credit card, except cards for consumption needs.
Value awaiting review
Repo-linked regulatory pricing varies by limit and enterprise size. For this card's ₹25,000–₹10 lakh range: up to ₹50,000, Micro: 8.15% p.a. ( + ) and Small: 10.15% ( + + 2.00%)
above ₹50,000 to ₹2 lakh, Micro: 10.15% and Small: 10.35%
above ₹2 lakh to ₹10 lakh, Micro: 10.35% and Small: 10.50%. Calculated from the Bank's of 7.90% and of 0.25%, effective 6 December 2025. The applicable rate depends on the sanctioned amount and enterprise class
it is not an individual sanction quote.
Term/demand loan: up to 84 months with 12-month moratorium. Working-capital facility: 12 months subject to annual review.
The lending rate itself is set by the member lending institution under applicable guidelines
no borrower interest percentage is published for this coverage product. The page instead publishes a composite guarantee-fee range of 1% + risk premium to 2% + risk premium, while the current schedule (for guarantees approved or renewed from April 1, 2025) gives standard annual guarantee-fee rates of 0.37% to 1.20% by slab, before MLI discount/risk premium and eligible-category concessions.
Guarantee cover follows the agreed tenure of term credit. Where working capital alone is extended, cover runs for 5 years or a block of 5 years and may be renewed after each block
the scheme states there is no maximum guarantee-period cap for a working-capital account. This is guarantee-cover tenure, not a prescribed borrower repayment tenure.
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.
-recognised startup with a stable revenue stream assessed from audited monthly statements over 12 months, amenable to debt financing, not in default to a lending/investing institution and not an -classified
eligibility must be certified by the bank. Real-estate projects and are excluded
a borrower using BGECL must close it before CGSS use.
Value awaiting review
Not published on the reviewed official CGSS page. It publishes guarantee-fee bands of 1% p.a. for qualifying champion sectors, 1.50% p.a. for North-East units and women entrepreneurs, and 2% for other units, but no borrower interest-rate figure
pricing must be confirmed under applicable bank guidelines.
As per GCEMP and Bank guidelines, as updated from time to time
the reviewed page does not publish a fixed repayment period.
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.
Value awaiting review
Up to ₹3 lakh: 1-year + . Above ₹3 lakh and below ₹25 lakh: 1-year + + 1.25%. At ₹25 lakh and above: 1-year + + 2.00% for CC//DL below 3 years
+2.10% for term loans from 3 to 5 years
and +2.15% for term loans above 5 to 7 years.
Term loans up to 7 years with monthly, quarterly, half-yearly or annual instalments based on income generation
cash credit is for 12 months subject to annual review.
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.
Agriculture graduates and technically qualified entrepreneurs, including diploma or postgraduate diploma holders with more than 60% agriculture/allied course content after B.Sc. Biological Sciences, and agriculture-related intermediate courses with at least 55% marks
other recognised degrees require Department of Agriculture & Cooperation approval on State Government recommendation.
Value awaiting review
Up to ₹3 lakh: one-year + Strategic Premium + 0.50%
at ₹25 lakh and above: CC//demand loans under 3 years +2.00%, term loans 3–5 years +2.10%, and above 5–7 years +2.15% (over one-year + Strategic Premium). The published rate bands stop at 7 years, while the separate repayment term is 5–10 years.
5 to 10 years depending on activity, with a maximum moratorium of 2 years.
Up to ₹5 lakh: hypothecation of financed assets
no collateral security. Above ₹5 lakh: asset hypothecation plus mortgage of land or a third-party guarantee.
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 . Eligible constitutions include proprietorships, partnerships, , companies and cooperatives permitted by the Ministry of Petroleum and Natural Gas.
Value awaiting review
For aggregate limits up to ₹50 crore, + +0.50% to +5.40% depending on internal rating and immovable-property security coverage. Above ₹50 croreup 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 generated from 12,000 cubic metres/day biogas, capped at ₹10 crore per project.
10 to 15 years including a moratorium of 6 months to 2 years
monthly or quarterly repayment based on project cash flow.
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.
Cash credit, overdraft, demand loan, term loan, letter of credit and bank guarantee.
Fishers, fish farmers, fish workers and vendors, fisheries corporations, /, cooperatives/federations, entrepreneurs, private firms, , companies, cooperative societies and fish-farmer producer organisations/companies.
Value awaiting review
Up to ₹2 crore: one-year + 100 basis points. Above ₹2 crore: + + 0.30% to +2.25% based on internal credit rating and immovable-security coverage.
3–15 years including a 6-month to 2-year moratorium
repayment may be monthly, quarterly, half-yearly or yearly based on project cash flow.
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.
The project must be an eligible post-harvest management infrastructure or viable community-farming asset. The revised Government guideline lists detailed project families, crop-wise processing inclusions/exclusions, location-level subvention limits and entity-specific project-count rules in the tables on this page.
Value awaiting review
Up to ₹2 crore: floating 1-year + 1.00%, capped at 9.00% p.a. Bank of Baroda's 1-year is 8.75% effective 12 September 2026, so the formula is 9.75% before the cap and the capped rate is 9.00% p.a.Above ₹2 crore: + Strategic Premium with the published spread depending on internal credit rating and immovable-property security coverage
see the exact matrix below. The 3% subvention is separate and eligibility-limited.
Bank of Baroda's says 3–15 years, including a 6-month minimum to 2-year maximum moratorium. The revised Government guideline says the scheme loan period is at most 7 years, including any moratorium. These published terms conflict
confirm the applicable repayment cap with the Bank before applying.
SC/ST borrowers and women entrepreneurs establishing Greenfield manufacturing, services or trading projects. For non-individual enterprises, at least 51% shareholding and controlling stake must be held by an SC/ST or woman entrepreneur
the applicant must not be in default to a bank or financial institution.
Value awaiting review
Pricing is linked to and is subject to changes under Government/ guidelines.
above ₹10 lakh to ₹20 lakh: current + 2.00% + BSS. With current 8.05% and BSS 0.50%, the arithmetic is 10.80% and 10.55% p.a.
the page's 9.05% example is stale.
SVANidhi: first tranche 12 months, second 18 months and third 36 months. term loans have suitable instalments and moratorium based on business cash flow
/CC limits are repayable on demand with annual review.
Startup must work on innovation, development or improvement of products, processes or services, or operate a scalable model with high employment or wealth-creation potential. Permitted constitution includes private limited company, registered partnership, , eligible multi-state or state/UT cooperative society, or another form accepted under Startup India rules. Recognition/registration must be with , Government of India or another Government department. Age is up to 10 years from incorporation, or up to 20 years for a recognized deep-tech startup. Turnover in any financial year since incorporation/registration must not exceed ₹200 crore, or ₹300 crore for deep-tech startups.
Value awaiting review
Set according to credit-risk rating
the scheme states a 0.50% concession for women entrepreneurs. No base numeric rate or rating-to-rate table is included in this scheme .
PNB's current schedule: ++0.15% for exposure up to ₹50,000
++1.40%above ₹50,000 to ₹20 lakh. This scheme's ₹10 lakh ceiling is within those exposure bands
is not quantified here.
Term loan: 3–5 years, with a maximum 3–6 month moratorium depending on activity and income generation. Overdraft: sanctioned for 3 years, reviewed annually and renewed every 3 years.
bases the loan quantum on its advance value per gram for 24-, 22-, 20- or 18-carat ornaments.
Owner-cultivators, agricultural entrepreneurs, tenant farmers, oral lessees and sharecroppers
also any person engaged in agriculture or allied activities. For borrowing used to repay a higher-interest non-institutional loan, requires a self-declaration of activity and purpose.
Value awaiting review
Product page: 8.85% p.a. (1-year +0.15%, page updated 15 July 2026). Newer 15 September rate sheet: MPGL-Agri and MPGL-Allied Activity at 1-year +0 spread (8.70% benchmark). does not reconcile the published terms
confirm the applicable rate with a branch.
Repay within 12 months from the date of disbursement.
Medium- and long-term debt financing for viable post-harvest management infrastructure and viable farming assets, including specified integrated primary and secondary processing projects.
Eligible borrowers include farmers, agri-entrepreneurs, start-ups, , , PACS, marketing/multipurpose cooperatives, / and their federations, APMCs, State agencies, and Central/State/local-body sponsored PPP projects. Private-sector entities including farmers, agri-entrepreneurs and start-ups are capped at 25 projects in distinct village/town LGD-code locations
specified public, cooperative, and entities are exempt. APMCs may receive a separate ₹2 crore subvention cap for each different infrastructure type in the designated market area.
Value awaiting review
product page states up to ₹2 crore: 6-month + 100 bps, capped at 9.00% p.a.
above ₹2 crore: extant guidelines. The 15 September 2026 rate sheet's row prints 6-month +1% and remarks 'Up to ₹2 crore: 9.00% fixed'. The current rate-sheet benchmark is 8.60% for 6-month . The cap and the 9.00% row remark agree as a current numeric ceiling, but does not explain whether 'fixed' changes the -linked repricing basis. Above-₹2-crore pricing is not specified in that row.
product page states a maximum repayment period of 10 years including moratorium, with a 6-month to 2-year moratorium from disbursement. The Revised Scheme Guidelines (September 2024) state that the repayment period covered under the financing facility is a maximum of 7 years including moratorium (up to 2 years). has not reconciled the difference on its page
confirm the applicable maximum with before relying on either term.
submit the project proposal and DPR through Udyami Mitra for lender appraisal and sanction.
Value awaiting review
Value awaiting review
product page says loans and non- loans below ₹50 lakh are + 200 bps
other non- loans of ₹50 lakh or more follow bank guidelines. 15 September 2026 product-code sheet names EB-TL-AGR- SCHEME and gives + 200 bps, but its remarks say non- loans below ₹50 lakh use 1-year + 200 bps and loans of ₹50 lakh or more use 1-year linked to CRA. The non- benchmark wording conflicts
confirm the applicable borrower rate with . No customer-specific rate is inferred.
/MLI loan pricing is set under the sanctioned credit facility's applicable rate terms
No single fixed guarantee tenure is published
cover remains subject to annual fee payment and account validity. The specifies an 18-month lock-in (9 months for qualifying loans up to ₹10 lakh with repayment up to 36 months) and claim-lodgement windows of one, two or three years by sanction/ date
Term loan, cash credit, overdraft and dropline overdraft
the Allied Agri booklet specifically names overdraft and dropline overdraft.
Allied-agriculture activities listed by are dairy, poultry, fisheries, sericulture, piggery, sheep/goat rearing, beekeeping and mushroom cultivation. Tarun Plus requires successful repayment of an earlier Tarun loan. application form also says the applicant should not be a defaulter with any bank or financial institution.
Value awaiting review
Allied Agri page prints 3.25% above and states 12.15% p.a. effective 15 February 2025. The agriculture rate sheet as on 15 December 2025 instead names AGRI FOR ALLIED ACTIVITIES at 1-year +1.00%. complete 15 September 2026 agriculture rate schedule has no named row
its business page says only competitive pricing linked to . has not published a current crosswalk reconciling these spreads, so no current effective rate is inferred.
Term loan up to ₹5 lakh: 5 years
₹5 lakh to ₹10 lakh: 7 years. TL/dropline below ₹5 lakh: maximum 5 years including up to 6 months' moratorium
from ₹5 lakh to ₹20 lakh: maximum 7 years including up to 12 months' moratorium. Cash credit is on demand.
Financial, technical and business support for new and existing micro food-processing enterprises
Individual entrepreneurs, proprietorship firms, partnership firms, , NGOs, cooperatives, and private limited companies that have established or propose to establish a micro food-processing unit.
Value awaiting review
For eligible entities: up to ₹2 crore, + 2.00%
above ₹2 crore, extant guidelines apply. For , and producer cooperatives: up to ₹50 lakh, + 3.60%
above ₹50 lakh, extant guidelines apply.
Maximum 10 years including a maximum moratorium of 6–24 months.
Composite loan inclusive of term loan and working capital
SC/ST or woman borrower setting up a greenfield enterprise
the scheme is intended to place at least one SC/ST and one woman borrower per bank branch
Value awaiting review
+ 3.25%
page states 12.15% p.a. (8.90% + 3.25%) effective 15 February 2025
7 years with maximum 18-month moratorium
Value awaiting review
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Animal Husbandry Infrastructure Development fund (AHIDF)Bank of Baroda
Baroda MSE General Credit CardBank of Baroda
bob Nari ShaktiBank of Baroda
Coverage of Collateral Free Loans (CGTMSE)Bank of Baroda
Credit Guarantee Scheme for Start-ups (CGSS)Bank of Baroda
