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Baroda Advance Against Securities (Kisan Vikas Patra / e )

A demand loan, term loan or overdraft against eligible Kisan Vikas Patra (/e-). The bank states there is no maximum loan ceiling, while its says lending may be up to 80–85% of the certificate face value. Apply at a branch.

Interest rateDemand/term: the higher of 1.00% over the KVP rate or BRLLR + Strategic Premium + 1.50% p.a. Overdraft: the higher of 1.25% over the KVP rate or BRLLR + Strategic Premium + 1.75% p.a. Staff: 0.50% over the KVP rate. The page shows no effective rate (—).Maximum financeNo ceiling; minimum ₹3,000 for term/demand loan and ₹20,000 for overdraft.Maximum loan amountNo maximum loan ceiling is stated. The FAQ separately says lending may be up to 80–85% of the KVP certificate face value.

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✓ Manually checked 28 Sept 2026 · active

Bank of Baroda KVP advance official product banner

Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Maximum financeNo ceiling; minimum ₹3,000 for term/demand loan and ₹20,000 for overdraft.View source

The product page states no ceiling and the two minimum facility limits.

Source: Baroda Advance Against Securities (Kisan Vikas Patra / e )
Page / section: Features — Loan Limit
Accessed: 21 Aug 2026
Confidence: high

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Rate conversion chargeWhen switching the interest rate: 0.10% of the outstanding balance plus any undisbursed amount; minimum ₹1,000 + GST per account for each conversion.Effective 1 Apr 2025View source

For Advance Against Securities ( / LIP / / E- / Relief Bonds / Govt. Bonds), the page lists 0.10% on outstanding balance plus undisbursed portion, if any, and a minimum ₹1,000 + per account at each conversion. The row states no maximum.

Source: Bank of Baroda Service Charges — conversion charges
Page / section: Retail Product table effective 1 April 2025 — Conversion Charges; Advance Against Securities row
Accessed: 23 Sept 2026
Confidence: high

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Penal chargesThe bank's schedule effective 1 April 2026 sets overdue-payment charges by priority-sector classification and sanctioned amount: priority-sector rows show Nil below ₹50,000, 1% p.a. above ₹50,000 but below ₹2 lakh, and 2% p.a. above ₹2 lakh; other-than-priority rows show Nil up to ₹10,000 and 2% p.a. above ₹10,000. It also lists 2% p.a. for specified overdue overdraft regularisation and sanction-condition breaches. Charges are for the actual default period; total penal charges are capped at 4% p.a. of outstanding credit facilities. The sanction determines which provisions apply.Effective 1 Apr 2026View source

The complete two-page was visually reviewed in the existing source-family audit. The product pages do not identify a borrower's priority-sector classification; neither overdue slab is selected. Rows for working-capital reporting are not presented as /LIP//bond product conditions.

Source: Penal Charges for various types of non-compliances of sanction terms and conditions in Loans and Advances
Page / section: page 1, rows 1–3; page 2, rows 11, 13–14 and general notes
Accessed: 23 Sept 2026
Confidence: high

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Underlying KVP scheme termsThe current e-KVP scheme page publishes 7.5% fixed through maturity, ₹1,000 minimum in ₹100 multiples with no maximum, purchase by an adult for self/minor or by two adults, nomination, all-branch issuance and a 2 years 6 months lock-in. Its FAQ also contains older conflicting entries, including 123-month and 115-month maturity wording and a historical 7.0% Q3 line; these are preserved as conflicts and are not used to calculate the loan rate.View source

Current highlights state 7.5% fixed through maturity, ₹1,000 minimum, ₹100 multiples, no maximum and 2 years 6 months lock-in; entries contain older conflicting rate/maturity wording.

Source: E-Kisan Vikas Patra Scheme, 2014 — current Bank of Baroda scheme page
Page / section: Current scheme highlights and complete block
Accessed: 28 Sept 2026
Confidence: high

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Facility typeDemand loan, term loan or overdraft secured against an eligible KVP/e-KVP certificate.View source

Type of Facility: Demand / Overdraft & Term Loan. The requires eligible to be noted with the appropriate authorities before disbursement.

Source: Baroda Advance Against Securities (Kisan Vikas Patra / e ) — current product page
Page / section: Features — Type of Facility; — accepted and pledge notation
Accessed: 23 Sept 2026
Confidence: high

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The current product page gives separate higher-of formulas for demand/term and overdraft, a staff spread and a dash in each Effective Rate cell. No customer-specific or all-in rate is calculated from the formula.

Source: Baroda /e- advance — live pricing table and current retail rate schedule
Page / section: Interest rates & charges — Demand/Term, Overdraft and Staff rows; schedule
Accessed: 23 Sept 2026
Confidence: high

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Rate benchmarkThe higher-of comparison uses the KVP certificate rate or Bank of Baroda BRLLR + Strategic Premium, with a different spread for demand/term and overdraft facilities.View source

The product page explicitly compares a -rate-plus-spread formula with + S.P. plus the facility spread; the higher applies.

Source: Baroda Advance Against Securities (Kisan Vikas Patra / e ) — current product page
Page / section: Interest rates & charges — Repo Rate + Spread column
Accessed: 23 Sept 2026
Confidence: high

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Minimum facility amount₹3,000 for demand/term loans; ₹20,000 for an overdraft.View source

The feature table gives ₹3,000 for term and demand loans and ₹20,000 for overdraft; the repeats these minimums.

Source: Baroda Advance Against Securities (Kisan Vikas Patra / e ) — current product page
Page / section: Features — Minimum Loan Limit; — minimum and maximum amount
Accessed: 23 Sept 2026
Confidence: high

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Maximum loan amountNo maximum loan ceiling is stated. The FAQ separately says lending may be up to 80–85% of the KVP certificate face value.View source

The feature table says “No Ceiling”; the says lending may be up to 80 to 85% of the certificate face value. These are a no-rupee-cap statement and a separate collateral margin, not conflicting amounts.

Source: Baroda Advance Against Securities (Kisan Vikas Patra / e ) — current product page
Page / section: Features — Maximum Loan Amount; — minimum and maximum amount; — face-value lending
Accessed: 23 Sept 2026
Confidence: high

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Processing fee₹500 + GST.View source

The live product page states Rs.500 + . The shared current bank schedule was separately checked for securities-backed-loan charge applicability.

Source: Baroda Advance Against Securities (Kisan Vikas Patra / e ) — current product page
Page / section: Interest rates & charges — Processing Charges
Accessed: 23 Sept 2026
Confidence: high

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Prepayment / foreclosure chargeFor fixed-rate advances against securities: 1% + GST on the outstanding amount.Effective 1 Apr 2025View source

The current dated service-charge schedule publishes 1% + on the outstanding amount for fixed-rate advances against securities; no floating-rate closure charge is inferred.

Source: Bank of Baroda Service Charges — current published schedule
Page / section: Pre-Payment — Advance Against Securities; fixed-rate closure
Accessed: 12 Sept 2026
Confidence: high

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Loan against certificate valueThe FAQ says lending may be up to 80–85% of the KVP certificate face value.View source

The states that a loan against may be up to 80 to 85 percent of face value; the amount is a range, not an assured sanction.

Source: Baroda Advance Against Securities (Kisan Vikas Patra / e ) — current product page
Page / section: — Can I take a loan on ?; eligibility calculation
Accessed: 23 Sept 2026
Confidence: high

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EligibilityResident individuals aged 21 years or older; the KVP must be issued by a post office or Bank of Baroda branch and pledged. Third-party advances are not permitted.View source

The page requires resident individuals aged 21 years and above; it accepts issued by a post office or any Bank of Baroda branch, requires authority notation before disbursement, and prohibits advances to third parties.

Source: Baroda Advance Against Securities (Kisan Vikas Patra / e ) — current product page
Page / section: Eligibility; ; — pledge of security
Accessed: 23 Sept 2026
Confidence: high

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Security and documentationPledge an eligible KVP/e-KVP issued by a post office or Bank of Baroda branch. The advance is disbursed only after the pledge is noted with the appropriate authority; third-party advances are not permitted.View source

says from post office or any branch will be accepted, disbursement follows notation with appropriate authorities, and third-party advances are not allowed.

Source: Baroda Advance Against Securities (Kisan Vikas Patra / e ) — current product page
Page / section: ; — pledge of /
Accessed: 23 Sept 2026
Confidence: high

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Application channelApply by visiting a Bank of Baroda branch.View source

The answer says to visit the nearest bank branches.

Source: Baroda Advance Against Securities (Kisan Vikas Patra / e ) — current product page
Page / section: — How to get a loan on Kisan Vikas Patra?
Accessed: 23 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Demand loan, term loan or overdraft against a Kisan Vikas Patra () or e-.
Minimum facility is ₹3,000 for a term or demand loan and ₹20,000 for an overdraft; the page publishes no maximum ceiling.
The official says borrowing can be up to 80–85% of the /e- face value.
issued by a post office or a Bank of Baroda branch can be accepted; the page says advances to third parties are not permitted.
Processing charge published on the page is ₹500 plus .

Eligibility

Resident individuals aged 21 years and above with /e- issued by a post office or Bank of Baroda branch
third-party advance is not permitted.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Not published on the reviewed official page; its Documents/Form link does not display a document checklist.

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

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TableSecurityChoose column

Kisan Vikas Patra / e- · Facility and amountDemand, overdraft or term loan; minimum ₹3,000 term/demand and ₹20,000 overdraft; no ceiling

This value is copied from Bank of Baroda advances against securities — published terms. Check the table notes before relying on it.

Source: Bank of Baroda advance-against-securities product pages · Eligibility; Loan amount; Rate of interest; Processing charges; Security; Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 6 columnsBank of Baroda advances against securities — published termsComparison-ready transcription of the four official pages reviewed on 29 August 2026.View tableHide table