Business, & agriculture finance

Baroda Arogyadham Loan

Baroda Arogyadham Loan, an exclusive financing option for doctors & hospitals. Get financial support for clinic/hospital construction, expansion & medical equipment purchase. Apply Now!

Facility amountMinimum ₹5 lakh. Maximum by centre: rural ₹25 lakh; semi-urban ₹6 crore; urban ₹12 crore; metro ₹30 crore.Interest rateThe product page links pricing to the Repo rate or MCLR. In the current BOB MSME matrix, regulatory limits through ₹25 lakh use BRLLR + Strategic Premium (SP) with spreads varying by amount and micro/small/medium band; above ₹25 lakh to ₹7.50 crore, regulatory formulas range from BRLLR + 0.30% to BRLLR + SP + 7.45%, while non-regulatory formulas range from MCLR + 0.45% to MCLR + SP + 7.45%, by CMR and hard-security coverage. BRLLR is 7.90% p.a. and SP is 0.25% effective 6 December 2025. The product page does not assign an individual borrower to a band; the scheme ceiling also extends above the reviewed MSME matrix, so no single rate is derived.Eligible customerHealthcare-sector MSMEs and medical institutions.

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✓ Manually checked 11 Sept 2026 · active

Baroda Arogyadham Loan 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.

Permitted purposesSet up or purchase ready-possession clinics and hospitals; expand, renovate or modernise existing hospitals/facilities; buy new medical diagnostic or office equipment; or meet working-capital needs including medicine stocks.View source

The current page lists clinic/hospital setup or ready-possession purchase, expansion/renovation/modernisation, medical diagnostic/office equipment, and working capital including medicine stocks.

Source: Baroda Arogyadham Loan — Bank of Baroda
Page / section: Features — Purpose
Accessed: 26 Sept 2026
Confidence: high

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EligibilityRegulatory or expanded MSMEs in healthcare may apply; real-estate projects are excluded, promoters/owners must not be HUFs, and at least one promoter/director (for a non-individual) or doctor must have a qualification in a branch of medical science.View source

The current eligibility section specifies coverage, excludes real-estate projects and promoters/owners, and requires a medical-science qualification for at least one promoter/director or doctor.

Source: Baroda Arogyadham Loan — Bank of Baroda
Page / section: Eligibility
Accessed: 26 Sept 2026
Confidence: high

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CIBIL requirementIndividual score ≥700; non-individual CMR not below CMR-6View source

The official page publishes the individual and non-individual credit requirements.

Source: Baroda Arogyadham Loan
Page / section: Other important conditions —
Accessed: 21 Aug 2026
Confidence: high

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Baroda Arogyadham Loan purposeThe scheme finances setting up or purchase of ready-possession clinics/hospitals, expansion, renovation or modernisation of hospitals/facilities, new medical diagnostic or office equipment and working capital including medicine stocks.View source

The official Features section publishes the healthcare-sector purposes.

Source: Baroda Arogyadham Loan
Page / section: Features — Purpose
Accessed: 23 Aug 2026
Confidence: high

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Baroda Arogyadham Loan eligibilityThe scheme is for MSMEs in healthcare; real-estate projects are excluded and promoters/owners must not be HUFs. At least one promoter/director (for non-individual borrowers) or doctor must hold a qualification in a branch of medical science.View source

The official Eligibility section publishes , exclusion, and medical-qualification conditions.

Source: Baroda Arogyadham Loan
Page / section: Eligibility
Accessed: 23 Aug 2026
Confidence: high

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Interest rateThe product page links pricing to the Repo rate or MCLR. In the current BOB MSME matrix, regulatory limits through ₹25 lakh use BRLLR + Strategic Premium (SP) with spreads varying by amount and micro/small/medium band; above ₹25 lakh to ₹7.50 crore, regulatory formulas range from BRLLR + 0.30% to BRLLR + SP + 7.45%, while non-regulatory formulas range from MCLR + 0.45% to MCLR + SP + 7.45%, by CMR and hard-security coverage. BRLLR is 7.90% p.a. and SP is 0.25% effective 6 December 2025. The product page does not assign an individual borrower to a band; the scheme ceiling also extends above the reviewed MSME matrix, so no single rate is derived.Effective 6 Dec 2025View source

Arogyadham permits regulatory and expanded and publishes Repo/-linked pricing; the rate matrix requires amount, borrower band, rating and security to choose a formula.

Source: Loan Interest Rates — Bank of Baroda
Page / section: Product-page Repo/ pricing cross-checked against regulatory bands, /hard-security matrix and / reference
Accessed: 26 Sept 2026
Confidence: high

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Facility amountMinimum ₹5 lakh. Maximum by centre: rural ₹25 lakh; semi-urban ₹6 crore; urban ₹12 crore; metro ₹30 crore.View source

The current limit table states a minimum of 0.05 crore and centre-wise maximums of 0.25, 6, 12 and 30 crore for rural, semi-urban, urban and metro centres respectively.

Source: Baroda Arogyadham Loan — Bank of Baroda
Page / section: Most Important Terms and Conditions — Limit
Accessed: 26 Sept 2026
Confidence: high

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Credit guaranteeCollateral-free loans up to ₹200 lakh are eligible for CGTMSE guarantee cover.View source

The page says collateral-free loans up to ₹200 lakh are eligible for guarantee cover under ; it does not publish security terms above that amount.

Source: Baroda Arogyadham Loan — Bank of Baroda
Page / section: Most Important Terms and Conditions — Other Important Conditions
Accessed: 26 Sept 2026
Confidence: high

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Processing and review chargesFor a matching funded/non-funded working-capital limit, the MSME tariff is nil up to ₹25,000; above that it is 0.20% for CMR 1–2, 0.30% for CMR 3–4, 0.35% for CMR 5, 0.40% for CMR 6 and 1.00% for CMR 7 or below. Priority-sector cap: ₹35 lakh; exporter cap: ₹17.50 lakh; other advances: no cap. For a demand/term/DPG facility over 1 year, the fresh-sanction tariff is nil up to ₹25,000; above ₹25,000 to ₹1 crore, 1%; above ₹1 crore, 0.50% (CMR 1–2), 0.85% (CMR 3–4), 1.00% (CMR 5), 1.10% (CMR 6) or 2.00% (CMR 7 or below). Priority-sector cap: ₹100 lakh; exporter cap: ₹50 lakh; other advances: no cap. Term-loan review is 0.10% without cap. Charges exclude GST. The product page does not publish the sanctioned rating, priority/export status or term applicable to an individual proposal.Effective 3 May 2024View source

The current product page lists demand/term loan, , letter of credit and bank guarantee; only tariff rows matching the sanctioned facility apply.

Source: Service Charges — Bank of Baroda advances
Page / section: Annexure II — , rows 1(A), 1(B) and 1(D); current product page lists working-capital, demand/term and non-funded facilities
Accessed: 26 Sept 2026
Confidence: high

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Centre-based limit geographyThe 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.View source

The current page lists rural, semi-urban, urban and metro maximum limits; no separate availability restriction is stated.

Source: Baroda Arogyadham Loan — current official product page
Page / section: Most Important Terms & Conditions — Limit
Accessed: 29 Sept 2026
Confidence: high

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Facility typesDemand loan, term loan, overdraft, letter of credit and bank guarantee.View source

The current page lists demand/term loan, overdraft, L/C and B/G under Nature of Facility.

Source: Baroda Arogyadham Loan — Bank of Baroda
Page / section: Most Important Terms and Conditions — Nature of Facility
Accessed: 26 Sept 2026
Confidence: high

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Financial ratiosDebt-equity ratio 3:1; total outside liabilities to tangible net worth 4.5:1; average DSCR 1.75 with no year below 1.25; operating-profit margin at least 10% of sales before interest, depreciation and tax; interest coverage at least 2; working-capital current ratio 1.17.View source

The current financial-ratios section states each listed ratio and its application; current ratio is assessed only for working-capital facilities.

Source: Baroda Arogyadham Loan — Bank of Baroda
Page / section: Most Important Terms and Conditions — Financial Ratios
Accessed: 26 Sept 2026
Confidence: high

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Credit-quality conditionsIndividual CIBIL score at least 700 (a score of 0 or −1 may be considered); non-individual CMR not below CMR-6; credit rating at least BOB 6 under the CRISIL model.View source

The current page publishes the individual score and possible 0/−1 consideration, non-individual floor and -model 6 rating floor.

Source: Baroda Arogyadham Loan — Bank of Baroda
Page / section: Most Important Terms and Conditions — Other Important Conditions
Accessed: 26 Sept 2026
Confidence: high

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Monitoring conditionA stock or book-debt statement is obtained once a year.View source

The current page says the stock/book-debts statement is to be obtained once a year.

Source: Baroda Arogyadham Loan — Bank of Baroda
Page / section: Most Important Terms and Conditions — Other Important Conditions
Accessed: 26 Sept 2026
Confidence: high

Open official source ↗

Working-capital commitment chargesFor a matching funded or non-funded working-capital facility, no funded commitment charge applies when annual average utilization is at least 60%. Below 60%, customers submitting QIS statements pay 0.75% on the unused portion relative to 60% of limits; customers not submitting QIS pay 0.50% on the unused portion relative to total limits. For non-funded facilities of ₹1 crore or more that are unused/under-utilized, the tariff is 0.25% p.a. on the unused amount; no separate charge applies when the stated 60% utilization/QIS condition is met. Charges are recovered proportionately at closure where specified and exclude GST.Effective 3 May 2024View source

Only applies if a matching working-capital limit is sanctioned and the utilization condition is met.

Source: Service Charges — Bank of Baroda advances
Page / section: Annexure II — , row 1(F), funded and non-funded working-capital facilities
Accessed: 26 Sept 2026
Confidence: high

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Domestic bank-guarantee commissionFor a matching inland guarantee, the published commission is different for performance and financial guarantees. Minimum commission is ₹1,500. Up to 3 years / above 3 years: performance guarantee rates are 1.00% / 1.10% p.a. for AAA-family or government-guaranteed, 1.20% / 1.30% for AA, 1.50% / 1.60% for A, 2.00% / 2.10% for BBB, and 2.40% / 2.50% for BB and below or unrated. Financial-guarantee rates are 1.25% / 1.35%, 1.45% / 1.55%, 1.75% / 1.85%, 2.65% / 2.75%, and 3.00% / 3.10% for those same bands. Unrated MSME accounts use BBB rates; 100% cash margin gives 25% of card rate; SFMS/SWIFT/courier is ₹150 per guarantee. The page does not identify the guarantee class, tenor or borrower rating for a particular sanction.Effective 10 Dec 2022View source

Arogyadham lists bank guarantee as an available facility; guarantee commission depends on its type, rating, tenor and cash margin.

Source: Service Charges — Bank of Baroda inland guarantees
Page / section: Inland Trade Finance — Other than Large Corporate/C&IC, Inland Guarantee rows and conditions
Accessed: 26 Sept 2026
Confidence: high

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Domestic letter-of-credit chargesFor a matching inland letter of credit, a sight LC is charged at 0.70% for the period from opening to expiry. Usance LC commission is 0.75% p.a. for AAA/A1+ or fully government-guaranteed, 1.00% for AA/A1, 1.25% for A/A2, 1.50% for BBB/A3 and 2.40% for BB and below/A4 and below/unrated. With 100% cash deposit, the commission is 25% of card rate; unrated MSME accounts use the BBB rate. The product page does not specify whether a proposal uses sight or usance credit or its rating/security.Effective 10 Dec 2022View source

Arogyadham lists L/C as a possible facility; only its issued type and security/rating determine the charge.

Source: Service Charges — Bank of Baroda inland letters of credit
Page / section: Inland Trade Finance — Other than Large Corporate/C&IC, Inland rows and conditions
Accessed: 26 Sept 2026
Confidence: high

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Eligible customerHealthcare-sector MSMEs and medical institutions.View source

The product page describes an exclusive scheme for healthcare sectors and medical institutions; its eligibility section says all in regulatory and expanded categories are eligible, subject to the published medical-qualification, real-estate and conditions.

Source: Baroda Arogyadham Loan — current official product page
Page / section: Page heading; Eligibility
Accessed: 27 Sept 2026
Confidence: high

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Common commercial-loan documentsCommon 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).View source

The current official lists common identity, residence, business-address, constitution and financial documents, then activity/facility-dependent records. It separately says further licences and documents depend on the business entity/activity.

Source: Loans and Advances — Bank of Baroda commercial-loan documents
Page / section: — “What documents need to be submitted for a Commercial Loan?” lines 686–703; Common Documents lines 688–694; Additional documents based on activity undertaken lines 695–703
Accessed: 27 Sept 2026
Confidence: high

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Benefits and features

New clinics/hospitals
expansion or modernization
diagnostic/office equipment
working capital

Eligibility

with at least one qualified medical-science promoter/director/doctor
promoters and real-estate projects excluded

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

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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₹20,063twenty thousand sixty-three rupees

Interest paid over the full loan₹23,15,232twenty-three lakh fifteen thousand two hundred thirty-two rupees

Everything you repay₹48,15,232forty-eight lakh fifteen thousand two hundred thirty-two 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

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Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableCondition

Debt-equity ratio · Published requirement3:1

This value is copied from Baroda Arogyadham Loan — published financial conditions. Check the table notes before relying on it.

Source: Baroda Arogyadham Loan — official Bank of Baroda page · Most Important Terms & Conditions — Financial Ratios; Other important conditions Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 2 columnsBaroda Arogyadham Loan — published financial conditionsStructured capture of the financial-ratio and credit-quality conditions in the official MITC section.View tableHide table

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Baroda Arogyadham Loan — published financial conditions
Condition	Published requirement
Debt-equity ratio	3:1
Total outside liabilities / tangible net worth	4.5:1
Average	1.75; no individual year below 1.25
Operating profit margin	At least 10% of sales before interest, depreciation and tax
Interest coverage ratio	At least 2
Current ratio	1.17, assessed for working-capital facilities
Individual credit score	CIBIL at least 700; 0 or −1 may be considered
Non-individual credit score	not below -6
Credit rating	Not less than 6 under the model
Stock/book-debt statement	Once a year

These are scheme conditions, not a guarantee of sanction; final assessment remains with Bank of Baroda.

Baroda Arogyadham Loan — official Bank of Baroda page · Most Important Terms & Conditions — Financial Ratios; Other important conditions · accessed 7 Sept 2026Open official source ↗

Table 2 · 5 rows · 2 columnsBaroda Arogyadham Loan — minimum and centre-wise maximumThe product page's limit table, converted from crore amounts to clearly labelled rupee values.View tableHide table

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Baroda Arogyadham Loan — minimum and centre-wise maximum
Limit	Amount
Minimum	₹5 lakh
Maximum — rural centre	₹25 lakh
Maximum — semi-urban centre	₹6 crore
Maximum — urban centre	₹12 crore
Maximum — metro centre	₹30 crore

The source page states the original minimum and maximum amounts in crore.

Baroda Arogyadham Loan — Bank of Baroda · Most Important Terms and Conditions — Limit · accessed 26 Sept 2026Open official source ↗

Table 3 · 19 rows · 2 columnsAnnexure II — Bank of Baroda MSME advances service-charge scheduleComplete current MSME advances schedule. Each row applies only if its facility, customer classification, rating, limit, tenor or triggering event matches; the table is not a list of charges automatically payable on every loan.View tableHide table

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Annexure II — Bank of Baroda MSME advances service-charge schedule
Charge / event	Published charge and conditions
1(A) FB/NFB working-capital processing	Up to ₹25,000: nil. Above ₹25,000, fresh/review: 1–2 0.20%; 3–4 0.30%; 5 0.35%; 6 0.40%; 7 and below 1.00%. Caps: priority sector ₹35 lakh; exporters ₹17.50 lakh; other advances no cap. required for regulatory/expanded aggregate limits above ₹25 lakh to ₹7.50 crore.
1(B) DL/TL/DPG/corporate loans over 1 year and HAM term loans	Up to ₹25,000: nil. Above ₹25,000 to ₹1 crore (fresh sanction): 1% of sanctioned limit. Above ₹1 crore (fresh): 1–2 0.50%; 3–4 0.85%; 5 1.00%; 6 1.10%; 7 and below 2.00%. Caps: priority sector ₹100 lakh; exporters ₹50 lakh; other advances no cap. Term-loan review: 0.10% without cap.
1(C) Real-estate advances / future rent receivables	2% of limit without cap; future-rent-receivables facilities above ₹20 crore are also 2% without cap.
1(D) Review/annual review	Short-term loan, DL, corporate loan, TL or DPG: 0.10% without cap.
1(E) Agreement in principle	Up to ₹5 crore: nil; above ₹5 crore to ₹10 crore: ₹1.5 lakh; above ₹10 crore to ₹25 crore: ₹3.5 lakh; above ₹25 crore: ₹5 lakh.
1(F) Funded commitment charges	No charge when annual average utilization is at least 60% of limits. Below 60%: customers submitting QIS statements pay 0.75% on the unused portion relative to 60% of limits; customers not submitting QIS pay 0.50% on unused portion relative to total limits. Recover pro-rata on closure.
1(F) Non-funded commitment charges	For non-utilised/under-utilised NFB facilities of ₹1 crore or more: 0.25% p.a. on the unused portion. No separate charge where average utilization is at least 60% or as indicated in the QIS statement.
2 Documentation (fund-based corporate accounts)	Above ₹1 crore: 0.10% of limit, maximum ₹1,00,000.
3 Borrower-induced credit opinion	₹500; foreign banks: USD 100.
4 Interchangeability of limits	0.25% of interchangeable amount; minimum ₹5,000, maximum ₹50,000.
5 NOC for charge/pari-passu matters	Up to ₹25 lakh: ₹1,000; above ₹25 lakh to ₹1 crore: ₹10,000; above ₹1 crore to ₹10 crore: ₹20,000; above ₹10 crore: ₹50,000. Stated consortium exception applies.
6 Escrow / TRA account	Annual charge based on the Bank's share in limits: up to ₹5 crore ₹1 lakh; above ₹5 crore to ₹10 crore ₹2 lakh; above ₹10 crore ₹5 lakh.
7 Mortgage creation	For non-retail, non-priority borrowers, per borrowing entity with FB+NFB limits: up to ₹1 crore ₹5,000; above ₹1 crore to ₹10 crore ₹20,000; above ₹10 crore to ₹25 crore ₹25,000; above ₹25 crore to ₹100 crore ₹1 lakh; above ₹100 crore ₹2 lakh, plus actual expenses. Per-instance; specified extensions/substitutions also chargeable.
8 Customer-induced modification	Per proposal: up to ₹1 crore ₹5,000; ₹1 crore to ₹10 crore ₹15,000; above ₹10 crore ₹50,000. Not for changes not discussed with/accepted by the customer at sanction/review.
9 Sanction revalidation	Working capital: 50% of applicable processing charge, no cap. Term loan: 30% of applicable upfront charge, no cap. Not applicable to Export Finance.
10 Lead bank — consortium	0.30% of total assessed FB+NFB limits; minimum ₹5 lakh, maximum ₹50 lakh.
11 Copies for statutory-authority submission	Actual photocopying charges + ₹1,000.
12 Bank official presence for document copies	Actual photocopying charges + ₹2,000 + out-of-pocket expenses.
Consortium meeting	₹10,000 plus actual expenses per meeting.

Charges exclude applicable and may change under Bank policy. Product-page or scheme-specific terms may control; match each line to the sanctioned facility/event before presenting a payable amount.

Service Charges — Bank of Baroda · Annexure II — , rows 1(A)–1(F) and additional items 2–12; lines 1611–1653 · effective 3 May 2024 · accessed 26 Sept 2026Open official source ↗

Table 4 · 13 rows · 2 columnsInland trade-finance charges — non-large-corporate / non-C&IC scheduleComplete published LC, inland-bill and guarantee schedule. The listed products offer the matching BG and/or LC facility; no specific guarantee class, rating, tenor or LC form is inferred.View tableHide table

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Inland trade-finance charges — non-large-corporate / non-C&IC schedule
Facility / event	Published charge and conditions
Sight inland letter of credit	0.70%; period is calculated from opening date to last date of validity.
Usance inland by external rating	AAA/A1+ or fully government guaranteed 0.75% p.a.; /A1 1.00%; A/A2 1.25%; BBB/A3 1.50%; BB and below/A4 and below/unrated 2.40%.
Inland security/rating notes	With 100% cash deposit, charge is 25% of card rate. Unrated accounts use the BBB rate. Capex uses long-term rating; working-capital uses short-term rating.
OBC / IBC collection	0.125%; minimum ₹500, maximum ₹10,000. The page distinguishes bills purchased/discounted/negotiated and IBC under the Bank's .
Bill discrepancy	0.15%; minimum ₹500, maximum ₹2,000.
Performance guarantee commission	Minimum ₹1,500. Up to 3 years / above 3 years: AAA family or government guarantee 1.00%/1.10% p.a.; family 1.20%/1.30%; A family 1.50%/1.60%; BBB family 2.00%/2.10%; BB and below/unrated 2.40%/2.50%.
Financial guarantee commission	Minimum ₹1,500. Up to 3 years / above 3 years: AAA family or government guarantee 1.25%/1.35% p.a.; family 1.45%/1.55%; A family 1.75%/1.85%; BBB family 2.65%/2.75%; BB and below/unrated 3.00%/3.10%.
Guarantee conditions	Unrated accounts use BBB rates for both guarantee types. With 100% cash margin, commission is 25% of card rate. SFMS//courier: ₹150 per guarantee. Charges include any claim period; after redemption beyond 60 days, 50% of commission for the unexpired period is refunded.
advising	₹1,000 where the -opening and advising banks differ.
confirmation	0.20% per month for validity and usance when another bank adds confirmation.
Transferable	₹500 per transfer; acceptance commission on usance drafts 0.10% per month, minimum ₹500.
negotiation / clean payment	Negotiation: ₹1,000. Clean payments under : ₹500.
Commercial invoice attestation	Nil at negotiation/collection; ₹100 per invoice on each subsequent occasion.

The schedule is titled Inland Trade Finance — Other than Large Corporate/C&IC. Apply only when the product includes the matching inland , bill or guarantee and the customer fits the schedule scope. Charges are subject to current Bank policy.

Service Charges — Bank of Baroda · Inland Trade Finance — Other than Large Corporate/C&IC; Inland , Bill and Guarantee rows, lines 1655–1695 · effective 10 Dec 2022 · accessed 26 Sept 2026Open official source ↗

Table 5 · 7 rows · 2 columnsBOB MSME lending-rate formulas by limit and borrower bandThe source matrix publishes conditional formulas, not a customer quote. Apply the row matching the exact sanctioned exposure, MSME classification, CMR and hard-security coverage; the reviewed MSME scope ends at ₹7.50 crore.View tableHide table

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BOB MSME lending-rate formulas by limit and borrower band
Exposure / borrower band	Published rate formula
Regulatory up to ₹50,000	Micro: + ; Small: + + 2.00%; Medium: + + 2.70%
Regulatory above ₹50,000 to ₹2 lakh	Micro: + + 2.00%; Small: + + 2.20%; Medium: + + 2.70%
Regulatory above ₹2 lakh to ₹10 lakh	Micro: + + 2.20%; Small: + + 2.35%; Medium: + + 2.70%
Regulatory above ₹10 lakh to ₹25 lakh	Micro: + + 2.35%; Small: + + 2.50%; Medium: + + 2.70%
Above ₹25 lakh to ₹7.50 crore	/hard-security matrix: regulatory + 0.30% to + + 7.45%; non-regulatory + 0.45% to + + 7.45%
reference	7.90% p.a. effective 6 December 2025; is 0.25%
Final pricing	Depends on limit, regulatory status, and hard-security coverage

The table does not identify the borrower's risk band or calculate the spread. Do not apply non-regulatory rows to a regulatory borrower or extend the matrix beyond its published exposure range.

Loan Interest Rates — Bank of Baroda current rate matrix · Regulatory bands through ₹25 lakh; /hard-security matrix above ₹25 lakh to ₹7.50 crore; / reference · effective 6 Dec 2025 · accessed 26 Sept 2026Open official source ↗

Baroda Arogyadham Loan

What the official sources publish

Benefits and features

Eligibility

Related official documents

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Loan repayment estimate

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Complete rates, limits and schedules

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