Business, & agriculture finance

Baroda Contractor Loan Scheme

Bank of Baroda’s contractor loan scheme & loans tailored specifically for contractors. Apply now for a contractor loan which comes with flexible terms & competitive rates.

Facility amountMinimum ₹10 lakh and maximum ₹30 crore, including fund-based and non-fund-based facilities. Interchangeability from the fund-based working-capital limit to bank guarantee or letter of credit may be permitted on merits.RateCompetitive pricing linked to the repo rate or MCLR; no numeric borrower rate or spread is published on the reviewed page.Eligible customersMSME units engaged in contractor or sub-contractor activity that meet the regulatory micro, small or medium enterprise definition; other entities engaged in the activity may also apply if annual sales turnover is up to ₹250 crore.

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✓ Manually checked 11 Sept 2026 · active

Baroda Contractor Loan Scheme 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.

Loan limit₹10 lakh minimum; ₹30 crore maximum including fund/non-fund based limitsView source

The official page publishes the minimum and maximum limits.

Source: Baroda Contractor Loan Scheme
Page / section: Limits
Accessed: 21 Aug 2026
Confidence: high

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Margin25% overdraft; 20% bank guarantee/letter of creditView source

The official page lists margins by facility.

Source: Baroda Contractor Loan Scheme
Page / section: Margin
Accessed: 21 Aug 2026
Confidence: high

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Contractor Loan Scheme eligibilityEligible units are MSMEs engaged in contractor or subcontractor activity and other entities with annual sales turnover up to ₹250 crore. Pricing is linked to repo rate/MCLR.View source

The official Eligibility and Interest Rates sections publish target entities, turnover and pricing link.

Source: Baroda Contractor Loan Scheme
Page / section: Eligibility / Interest Rates
Accessed: 23 Aug 2026
Confidence: high

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Contractor Loan Scheme limitsMinimum exposure is ₹10 lakh and maximum ₹30 crore including fund-based and non-fund-based facilities; interchangeability from fund-based working-capital limit to BG/LC may be permitted. Margin is 25% for overdraft and 20% for bank guarantee/letter of credit.View source

The official Eligibility table publishes exposure, facility and margin bands.

Source: Baroda Contractor Loan Scheme
Page / section: Eligibility — Margin / Limits
Accessed: 23 Aug 2026
Confidence: high

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

The page covers contractor/subcontractor and other entities with annual sales turnover up to ₹250 crore.

Source: Baroda Contractor Loan Scheme — official Bank of Baroda page
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

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The official limits section publishes the ₹10 lakh minimum, ₹30 crore maximum and fund/non-fund interchangeability condition.

Source: Baroda Contractor Loan Scheme — official Bank of Baroda page
Page / section: Limits
Accessed: 30 Aug 2026
Confidence: high

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RateCompetitive pricing linked to the repo rate or MCLR; no numeric borrower rate or spread is published on the reviewed page.View source

The official pricing section names repo rate/ but gives no current percentage or spread.

Source: Baroda Contractor Loan Scheme — official Bank of Baroda page
Page / section: Interest Rates and Charges
Accessed: 30 Aug 2026
Confidence: high

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Working-capital processing and review chargeFor the scheme's matching funded or non-funded working-capital limit, the current MSME tariff is nil up to ₹25,000. Above ₹25,000, fresh-sanction/review rates are CMR 1–2: 0.20%; CMR 3–4: 0.30%; CMR 5: 0.35%; CMR 6: 0.40%; CMR 7 and below: 1.00%. The priority-sector cap is ₹35 lakh and exporter cap ₹17.50 lakh; other advances have no cap. GST is extra. The scheme page publishes a ₹10 lakh minimum and ₹30 crore maximum exposure but no sanctioned CMR or borrower-specific fee.Effective 3 May 2024View source

The Contractor Loan Scheme page identifies a running overdraft/working-capital limit. Apply the general row 1(A) schedule only to matching sanctioned FB/NFB working-capital facilities; no or actual payable amount is inferred.

Source: Service Charges — Bank of Baroda advances
Page / section: Annexure II — row 1(A), FB/NFB working-capital processing; Contractor Loan Scheme — running and facilities
Accessed: 27 Sept 2026
Confidence: high

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Eligible customersMSME units engaged in contractor or sub-contractor activity that meet the regulatory micro, small or medium enterprise definition; other entities engaged in the activity may also apply if annual sales turnover is up to ₹250 crore.View source

The page separately covers regulatory-definition units and all other entities with annual sales turnover up to ₹250 crore.

Source: Contractor Loan Scheme: Tailored Loan for Contractors — Bank of Baroda
Page / section: Eligibility lines 136–139
Accessed: 27 Sept 2026
Confidence: high

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Turnover / vintageFor entities outside the regulatory MSME category, annual sales turnover up to ₹250 crore; MSME contractor/sub-contractor units qualify under the regulatory micro, small or medium enterprise definition.View source

The ₹250 crore annual-sales ceiling is expressly for “all other entities”; the page does not apply it as an extra threshold to regulatory-definition units.

Source: Contractor Loan Scheme: Tailored Loan for Contractors — Bank of Baroda
Page / section: Eligibility lines 136–139
Accessed: 27 Sept 2026
Confidence: high

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Ad-hoc limitAd-hoc limits may be allowed under the Bank's extant guidelines.View source

The page states: ‘The adhoc limits can be allowed as per extant guidelines.’ It does not state a separate ad-hoc amount or period.

Source: Baroda Contractor Loan Scheme
Page / section: Adhoc Limit
Accessed: 26 Sept 2026
Confidence: high

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Working-capital utilization chargeFor matching funded working-capital limits, no commitment charge applies at annual average utilization of at least 60%. Below 60%, QIS submitters 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 or under-utilized, the tariff lists 0.25% p.a. on the unused amount, subject to its utilization/QIS exception. Charges exclude GST. The product offers OD and LC but does not publish the sanctioned split, actual utilization or QIS status.Effective 3 May 2024View source

The tariff depends on the funded/non-funded sanctioned facility and utilization/QIS conditions; do not treat every limit as incurring a commitment charge.

Source: Service Charges — Bank of Baroda advances
Page / section: Annexure II — row 1(F), funded and non-funded working-capital commitment charges; product page — / facilities
Accessed: 27 Sept 2026
Confidence: high

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Security and collateral disclosureThe BOB MSME credit-facility application asks the applicant to disclose primary security (land, building, plant and machinery, other fixed assets, stock and debtors) and collateral security (land, building and other assets), with ownership, valuation and charge details. The Contractor Loan page does not prescribe a universal collateral amount or security type; sanction-specific security remains subject to the Bank's assessment.View source

The form asks applicants to provide details of securities—location, ownership, valuation date, value and type of charge—and authorises fresh valuations, title searches and execution of security documents.

Source: Application Form for Credit Facilities — Bank of Baroda form
Page / section: Page 4 — Section 13, Primary Security and Collateral Security tables; Pages 5–6 — security authorisations and undertakings
Accessed: 29 Sept 2026
Confidence: high

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Application-form document checklistThe official BOB MSME credit-facility checklist asks for: director/partner biodata; identity and address proofs with photograph; audited balance sheet and profit-and-loss accounts; constitutional documents and certificate of commencement or partnership deed; KYC documents; sales-tax/CST registration where applicable; Shop and Establishments registration and business licences; CMA data; project report where applicable; income-tax returns of the company and directors/partners/proprietor for the last 3 years or as applicable; quotations/estimates for demand or term loans; Form 135 net-worth details and proof for directors/partners/guarantors; the last 6 months' existing-bank statements or other-bank sanction letters; and an insurance cover note. The form says this is an illustrative checklist and additional documents may be required.View source

The checklist labels itself illustrative, says to strike out non-applicable items and permits additional documents where required.

Source: Application Form for Credit Facilities — Bank of Baroda form
Page / section: Page 6 — Checklist for Submission of Documents, items I–XIV and notes
Accessed: 29 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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Eligibility

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

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

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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

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TableCharge / event

1(A) FB/NFB working-capital processing · Published charge and conditionsUp 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.

This value is copied from Annexure II — Bank of Baroda advances service-charge schedule. Check the table notes before relying on it.

Source: Service Charges — Bank of Baroda · Annexure II — , rows A–F and additional items 2–12; introduction of new service charge Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 19 rows · 2 columnsAnnexure II — Bank of Baroda MSME advances service-charge scheduleFull MSME advances schedule reviewed on the official service-charges page; each charge is conditional on its stated facility type or event.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 utilisation 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 utilisation 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.

All charges exclude applicable and are subject to the Bank's policy and permitted deviations. This is a shared tariff: individual charges apply only when the facility, rating band, limit, term or event in that row matches; it is not a list of charges automatically payable on every product.

Service Charges — Bank of Baroda · Annexure II — , rows A–F and additional items 2–12; introduction of new service charge · effective 3 May 2024 · accessed 26 Sept 2026Open official source ↗

Table 2 · 13 rows · 2 columnsInland trade-finance charges — non-large-corporate / non-C&IC scheduleLC, inland-bill and guarantee charges with ratings, tenor and cash-security conditions from the Bank's published schedule.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.

This schedule is explicitly titled Inland Trade Finance — Other than Large Corporate/C&IC. Apply it only when the product includes the relevant , bill or guarantee facility and the customer's segment fits the tariff scope. Charges are subject to current bank policy.

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

Table 3 · 17 rows · 2 columnsForex Related Charges — Other than Large Corporate/C&IC: import LC scheduleComplete published import letter-of-credit opening and associated-charge schedule from the other-than-Large-Corporate/C&IC section. Apply only to the matching import LC, tenor, rating and event; it is not a universal price for every foreign LC.View tableHide table

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Forex Related Charges — Other than Large Corporate/C&IC: import LC schedule
Published charge / event	Rate and conditions
Import opening, revolving , deferred-payment , back-to-back and reinstatement — sight	0.35% for the first quarter; 0.15% per month thereafter.
Import — usance up to ₹5 crore	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%.
Import — amount above ₹5 crore	0.40% p.a. or part thereof on the entire amount; charges calculated for actual days on an annual basis.
Sight/usance minimum	₹2,000.
secured by 100% cash deposit	25% of the applicable card rate.
unrated account	Use the BBB rating rate.
Rating used for working-capital	Short-term rating; capex uses long-term rating.
Extension of validity	₹1,000 per amendment plus the applicable charge.
Enhancement of value	₹1,000 per amendment plus applicable charges on the additional amount for the remaining period; if value enhancement and validity extension occur together, one amendment fee is recovered.
Amendment extending bill-of-exchange tenor	₹1,000; additional charge applies to outstanding liability.
Other amendment	₹1,000 per amendment.
Revival of expired	At the Bank's option, within 3 months after expiry; recover applicable charges from expiry through revived validity.
Deferred import commission for payment beyond 6 months from shipment	Per quarter on opening-quarter liability: up to ₹1 crore 0.25%; above ₹1 crore to ₹5 crore 0.18%; above ₹5 crore 0.10%. Apply the relevant slab to the entire liability amount.
Extension of deferred-import validity	Flat amendment commission ₹750; if validity is extended beyond 3 months, recover the applicable commission rate.
Enhancement of deferred-import	Applicable commission on the enhanced amount; each enhancement is ordinarily considered separately, although branches may add it to outstanding liability at their discretion.
Credit opinion report	Actual cost of report.
Shipping guarantee pending bill of lading	For documents under the Bank's : flat ₹1,000. Other cases: 0.05% per month for the guarantee period, minimum ₹1,000.

The official page separates this section from the C&IC and Inland Trade Finance tariffs. The Contractor Loan Scheme names foreign as a facility but does not say that every foreign is an import ; preserve the application condition.

Service Charges — Bank of Baroda Forex Related Charges · Forex Related Charges — Other than Large Corporate/C&IC, Imports rows 23–34, lines 648–703 · effective 10 Dec 2022 · accessed 27 Sept 2026Open official source ↗

Table 4 · 14 rows · 2 columnsBOB MSME credit-facility application checklistFourteen documentary items in the official application form. The form calls this an illustrative checklist and allows additional documents.View tableHide table

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BOB MSME credit-facility application checklist
Item	Document requested
I	Biodata of each director/partner in the prescribed format
II	Ration card/passport//other address proofs with photograph
III	Audited balance sheet and profit-and-loss accounts
IV	Memorandum and Articles of Association and commencement certificate, or partnership deed where applicable
V	-compliance documents
VI	Sales-tax and CST registration certificate where applicable
VII	Shop and Establishments registration and licences required to run the business
VIII	data
IX	Project report where applicable
X	Company and director/partner/proprietor income-tax returns for the last 3 years or as applicable
XI	Quotations/estimates for proposed demand loan or term loan
XII	Form 135 net-worth details and documentary proof for directors/partners/guarantors
XIII	Existing-bank statements for the last 6 months or other-bank sanction letters
XIV	Insurance cover note

Strike out non-applicable items and enclose other required documents. Additional information may be required.

Application Form for Credit Facilities — Bank of Baroda form · Page 6 — Checklist for Submission of Documents · accessed 29 Sept 2026Open official source ↗

Table 5 · 4 rows · 2 columnsSecurity details requested in BOB MSME applicationThe form asks the applicant to disclose primary and collateral security; it does not itself set the Contractor Loan Scheme's sanction security terms.View tableHide table

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Security details requested in BOB MSME application
Security section	Fields requested
Primary security	Land; building; plant and machinery; other fixed assets; stock and debtors; location; ownership; valuation date; value; type of charge
Collateral security	Land; building; other assets; location; ownership; valuation date; value; type of charge
Bank authorisations	Fresh valuation reports, title-search report, existing-bank credit information, recovery of processing/other charges, ROC search and inspection of unit/sites/books
Undertakings	Use funds only for sanctioned purpose; no expansion/modernisation without consent; own-source funding for working-capital shortfall; report material events; provide information; execute security documents

Security and collateral are assessed for the sanctioned proposal; no universal collateral amount is published on the reviewed product page.

Application Form for Credit Facilities — Bank of Baroda form · Pages 4–6 — Sections 13, 16 and 17 · accessed 29 Sept 2026Open official source ↗

Baroda Contractor Loan Scheme

What the official sources publish

Eligibility

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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