Business, MSME & agriculture finance

Up to 39 months, as stated in the Farmer Funding catalogue.

The current Farmer Funding Product Guide states no collateral requirements for Dairy Power.

₹25,001 to ₹10 lakh.

₹25,001 to ₹1.5 crore.

Up to 5 years, as stated in the Farmer Funding catalogue card.

₹25,001 to ₹2.5 crore.

Any major individual. The current guide states farmer age 18–75 and a co-borrower for applicants above 60.

Minimum land holding 5 acres and minimum ITR income ₹7 lakh. Age wording conflicts within the same rule: borrower must be 18–60, while the page also says a co-borrower is needed if age is above 60.

₹1,00,001 to ₹5 crore.

Minimum ₹1,00,001. The current product page and guide do not state a maximum amount.

Non-agricultural property is mandatory.

₹25,001 to ₹2.5 crore, as stated in the current Farmer Funding catalogue and product guide.

Up to 7 years, including moratorium, according to the current Farmer Funding catalogue.

Primary security: hypothecation of assets created from bank finance. Collateral security: agricultural collateral as per KCC guidelines.

Minimum vintage: 2 years for broiler and 3 years for layer farms

₹2 lakh to ₹5 crore.

Up to 3 years, as stated in the Farmer Funding catalogue card.

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.

BOB lists KYC documents (Aadhaar, Voter ID, PAN, Driving Licence and similar), a passport-size photograph and land record. Quotation/invoice, project report and income-tax returns are requested if available. DAHD's scheme guideline separately requires a viable Detailed Project Report with project/site surveys, facility design, market, employment and raw-material plans, land arrangements and applicable clearances, an implementation plan and timeline, and a vaccine list where relevant.

Animal-husbandry applicants must rear the listed livestock/poultry and have owned, rented or leased sheds. Inland fisheries applicants need owned or leased fisheries assets and relevant licences. Marine applicants need an owned or leased registered vessel/boat and the required fishing permissions.

Fishery and aquaculture applicants must hold the licences or permissions applicable to their activity, including state-specific fisheries and allied-activity licences from the responsible department.

Collateral-free loans up to ₹200 lakh are eligible for CGTMSE guarantee cover.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

The scheme's maximum facility varies by centre classification: rural up to ₹25 lakh, semi-urban up to ₹6 crore, urban up to ₹12 crore and metro up to ₹30 crore. The page does not state a separate geographic availability restriction.

Up to 3 years, subject to annual review

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

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

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

Contractors of any constitution engaged in civil-engineering contracts awarded by BMC/civic agencies in the Brihan Mumbai Metropolitan Region must be registered with those agencies, and their Bank of Baroda accounts must also be registered with them.

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.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

Above ₹10 lakh to ₹50 crore.

Up to 84 months, including the moratorium period.

Processing: 0.25% plus GST, capped at ₹2.50 lakh. Annual review charge: nil.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

ESCOs or host entities classified as Micro or Small enterprises. The host entity deposits proceeds from actual energy savings into a TRA/escrow account, from which the loan is recovered.

₹10 lakh to ₹15 crore per project.

Up to 5 years including the moratorium period.

Minimum collateral: 25% of the loan amount. An upfront debt-service reserve account must equal 3 months of EMI.

ROI and other service charges apply as per the bank's MSE-borrower rules.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

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.

Minimum ₹5 lakh and maximum ₹10 crore. The working-capital calculation considers 150%, 200% or 250% of the applicable DLTC/SLTC scale of finance multiplied by cultivated area, plus 30% of the limit for miscellaneous post-harvest costs, farm-asset repairs and maintenance, and insurance.

Repayment is set to the expected crop harvesting and marketing period: due within 12 months from disbursement for short-term crops and within 18 months for long-term crops.

Primary security: hypothecation of crops grown and assets created from bank finance. Collateral: mortgage of agricultural land. If the land value is below the Bank's required value, the shortfall may be met with a mortgage of SARFAESI-compliant property equal to 100% of the limit or the shortfall, or other listed securities at 100% of value—LIC policy surrender value assigned to the Bank, pledged KVP/NSC, or Bank term deposit. Working-capital margin is nil.

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.

Up to 50% of the existing BKCC limit, capped at ₹1 lakh.

36 months.

Existing security under the BKCC is extended. If the combined limit remains within ₹1.60 lakh, the existing no-collateral-security norm up to ₹1.60 lakh applies.

Waived when the aggregate BKCC plus Tatkal loan limit is up to ₹3 lakh. Above ₹3 lakh: 1% of the sanctioned limit, capped at ₹100 lakh (₹1 crore).

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

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

3 years subject to annual review

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

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.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

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

An individual undertaking non-farm entrepreneurial activity.

Minimum ₹25,000 and maximum ₹10 lakh.

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

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

Non-farm entrepreneurial activity across India.

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.

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

CMR 1–3: ₹2 crore rural, ₹7.5 crore semi-urban, ₹15 crore urban and ₹25 crore metro. Other eligible borrowers: ₹1 crore, ₹5 crore, ₹10 crore and ₹15 crore respectively. The Bank states that limits may vary based on CIBIL Rank.

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 term-loan sizing formula uses the property's advance value, and the repayment period is up to 15 years for loans secured by residential/commercial property or up to 10 years for industrial property. The page lists overdraft and non-fund facilities too, but gives no general security schedule for those facilities.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

Maximum limits vary by lending-centre category: rural, semi-urban, urban and metro.

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.

For MSMEs under the regulatory definition and SMEs under the expanded definition with annual sales turnover up to ₹250 crore. Existing accounts must have remained standard for 2 years, have a BoB-5-or-better obligor rating and working-capital limits of at least ₹25 lakh. For takeover accounts, the same rating and working-capital minimum apply, no deviation from takeover norms is allowed, and eligibility begins only after 1 year with Bank of Baroda. Under both routes, the account must have sole banking with the bank and no major inspection irregularities.

For MSMEs under the regulatory definition and SMEs under the expanded definition with annual sales turnover up to ₹250 crore. Existing accounts must have remained standard for 2 years, have a BoB-5-or-better obligor rating and working-capital limits of at least ₹25 lakh. For takeover accounts, the same rating and working-capital minimum apply, no deviation from takeover norms is allowed, and eligibility begins only after 1 year with Bank of Baroda. Under both routes, the account must have sole banking with the bank and no major inspection irregularities.

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.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

For micro, small and medium enterprises under the Bank's regulatory or expanded classifications. The borrower must deal exclusively with Bank of Baroda.

For the regulatory MSME lane, annual turnover excluding export sales is capped at ₹10 crore for micro, ₹100 crore for small and ₹500 crore for medium enterprises. The SME Loan Pack also names the Bank's expanded MSME category, but its product page does not give that category's turnover band or a separate minimum turnover/business-vintage rule.

Term-loan period: up to 7 years.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

Educational institutions.

For overdraft, land and building are primary security, alongside a fee-module facility with Bank of Baroda.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

For a non-MSME borrower operating in both eligible and excluded sectors, the lender assesses the proportionate turnover from eligible sectors for the financial year ended 31 March 2026. This is a sector-mix eligibility test, not a published minimum annual-turnover amount.

BOB publishes BRLLR/MCLR + 0.75% p.a., capped at 9%. The scheme’s bank-pricing rules distinguish MSME facilities (EBLR + 0.75%, or another permitted standard RBI-compliant MSME benchmark), non-MSME facilities (MCLR + 0.75%, capped at 9%) and airline facilities (the lender’s board-approved policy). BOB does not separately identify its airline benchmark.

MSME/non-MSME borrowers: 5 years from first disbursement, including a 1-year moratorium. Scheduled passenger airlines: 7 years, including a 2-year moratorium.

Nil processing fee, nil prepayment penalty and nil NCGTC guarantee fee.

Submit the scheme application through JanSamarth using self-declared details. A valid Udyam Registration Certificate or Udyam Assist Certificate is accepted as proof of MSME status.

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

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.

Competitive pricing linked to BRLLR/Repo rate/MCLR.

Finance is provided for 90 days.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

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.

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.

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.

Micro, small and medium enterprises carrying out defence-related manufacturing, services or trading in India and holding a valid defence procurement contract or sub-contract.

Above ₹10 lakh to ₹50 crore.

Up to 10 years for term loans.

Defence-related manufacturing, services or trading activity in India

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

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

Applicant aged 18 to 29 operating an Udyam-registered enterprise.

84 to 120 months.

Collateral-free loan backed by CGTMSE coverage.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

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 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

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.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

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

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.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

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

Individuals, groups of farmers/growers, registered Farmer Producer Organisations, proprietorship and partnership firms, companies and corporations, non-governmental organisations and self-help groups, autonomous government bodies, cooperatives and cooperative marketing federations, and state departments/agencies or state-owned/autonomous corporations including Agricultural Produce Market Committees, marketing boards, state warehousing corporations and state civil-supplies corporations.

For godowns designed to store agricultural produce/products, the rate is MCLR + Strategic Premium plus 0.45%–2.25%, depending on internal credit rating and collateral-security coverage. The D.3/D.9 matrix is specifically for this agricultural-godown category, not every storage project in the broader scheme.

Nil up to an aggregate loan limit of ₹3 lakh.

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.

Farmers: up to ₹75 lakh against pledged/hypothecated agricultural produce, including warehouse receipts, for up to 12 months. Food & Agro Processing Units: aggregate sanctioned limit up to ₹100 crore across the entire banking system, including the proposed warehouse-receipt limit.

For Food and Agro Processing Units financed against warehouse receipts, including NWR/e-NWR, the rate is one-year MCLR + Strategic Premium + 0.25%. The page states that no further concession is to be allowed.

Maximum 12 months.

Pledge of the agricultural commodity and duly discharged or lien-marked warehouse receipt 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.

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.

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 ₹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.

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.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

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.

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 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.

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.

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

3 to 36 months, subject to periodic rollover.

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

Primary Agricultural Credit Societies (PACS), Farmers’ Service Societies (FSS), and Large-sized Adivasi Multi-Purpose Societies (LAMPS).

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.

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.

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

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.

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.

One-year MCLR + Strategic Premium + 0.25% for loans to farmers to purchase a four-wheeler.

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.

Maximum 9 years, depending on the investment purpose and the asset’s economic life.

Up to the economic-unit cost (where applicable) or ₹1,60,000, whichever is lower: D.P. Note and hypothecation of assets. Above ₹1,60,000: D.P. Note, hypothecation of assets, and mortgage of land or a 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.

One-year MCLR + Strategic Premium.

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.

Common checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).

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

At least 4 acres of irrigated land, or the corresponding acreage under the applicable state land-ceiling category. For holdings below 6 irrigated acres, only tractors up to 35 HP are eligible.

Linked to landholding, up to 9 years. Repayment may be quarterly, half-yearly or yearly depending on the farmer's income pattern.

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.

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.

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.

Individual true owner of pledged gold with a Bank of Baroda savings account opened before lending.

One-year MCLR.

Bullet repayment.

Up to ₹3,00,000: nil. Above ₹3,00,000: 0.25% of the limit, capped at ₹3,500 plus GST.

Photograph, KYC and repayment-capacity proof, plus records such as RTC, Khatha, passbook, post-harvest receipts or other proof of agriculture/allied activity.

All authorised Bank of Baroda Jewel Loan branches across India.

Individual true owner of pledged gold with a Bank of Baroda savings account opened before lending.

BRLLR + Strategic Premium + 1.00% p.a.

Bullet repayment.

Up to ₹3,00,000: nil. Above ₹3,00,000: 0.25% of the limit, capped at ₹3,500 plus GST.

All authorised Bank of Baroda Jewel Loan branches across India.

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.

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.

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.

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.

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

Up to ₹3 lakh: one-year MCLR + Strategic Premium. Above ₹3 lakh: one-year MCLR + Strategic Premium + 1.00% p.a.

Nil when exposure per member is up to ₹25,000.

KYC documents (including Aadhaar, Voter ID, PAN Card or Driving Licence), passport-size photograph, sponsorship letter, JLG Membership Form, Loan Application Form and Mutual Liability Agreement.

Members should live in the same village, area or neighbourhood and know and trust one another well enough to take joint liability.

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.

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.

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.

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

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.