Business, & agriculture finance

Baroda Contractor Scheme Mumbai

Baroda Contractor Scheme in Mumbai: designed to cater to the credit requirements of contractors involved in civil engineering contract works awarded by /Civic Agencies in the Brihan Mumbai Metropolitan Region.

Exposure and guarantee limitsThe published ₹40 crore constitution-wise exposure ceiling applies to proprietary concerns, partnership firms, trusts and societies. Mobilisation-advance guarantees are generally limited to 20% of the total bank-guarantee facility; an Executive Director may approve relaxation.Interest rateThe scheme page says pricing follows CMR and CR guidelines. The BOB MSME matrix publishes regulatory/non-regulatory formula bands through ₹7.50 crore, including CMR and hard-security conditions; for proposals above ₹7.50 crore, the official rate page's CR table covers ₹7.50 crore–₹100 crore. Regulatory pricing in that band is BRLLR + 0.50% to BRLLR + 6.00% by CR; non-regulatory pricing is MCLR + SP + 1.00% to MCLR + SP + 7.00%. The scheme page's ₹40 crore ceiling is limited to specified legal constitutions, not a universal sanctioned amount. A final rate still depends on the applicable exposure, regulatory status, rating and security.Eligible customerContractors of any legal constitution executing eligible BMC or civic-agency civil-engineering works.

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✓ Manually checked 11 Sept 2026 · active

Baroda Contractor Scheme Mumbai official 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.

EligibilityContractors 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.View source

The page says all applicant constitutions engaged in eligible civil contracts are covered, and requires contractor and bank-account registrations with /civic agencies operating in Greater Mumbai.

Source: Baroda Contractor Scheme Mumbai — Bank of Baroda
Page / section: Features — Constitution Coverage; — Entry Level Norms
Accessed: 26 Sept 2026
Confidence: high

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Facility typesOverdraft for normal day-to-day working-capital needs; bank guarantee in favour of BMC/civic agencies; and solvency certificate for tender participation.View source

The current page assigns overdraft to day-to-day working capital and describes guarantees and solvency certificates for civic-agency contracts/tenders.

Source: Baroda Contractor Scheme Mumbai — Bank of Baroda
Page / section: — Nature of Facility
Accessed: 26 Sept 2026
Confidence: high

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The page specifies ₹40 crore uniformly for the listed constitutions and a usual 20% mobilisation-advance-guarantee sub-ceiling, with Executive Director approval for relaxation.

Source: Baroda Contractor Scheme Mumbai — Bank of Baroda
Page / section: — Exposure Ceiling Norms
Accessed: 26 Sept 2026
Confidence: high

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MarginsOverdraft: 25% of chargeable current assets. Bank guarantee: cash margin 10%–25%, property market value at least 15% of the guarantee facility, and 100% cash margin for guarantees covering disputes or court cases.View source

The page separates margin from cash/property margins and requires 100% cash margin for dispute/court-case guarantees.

Source: Baroda Contractor Scheme Mumbai — Bank of Baroda
Page / section: — Margin Standard
Accessed: 26 Sept 2026
Confidence: high

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Interest rateThe scheme page says pricing follows CMR and CR guidelines. The BOB MSME matrix publishes regulatory/non-regulatory formula bands through ₹7.50 crore, including CMR and hard-security conditions; for proposals above ₹7.50 crore, the official rate page's CR table covers ₹7.50 crore–₹100 crore. Regulatory pricing in that band is BRLLR + 0.50% to BRLLR + 6.00% by CR; non-regulatory pricing is MCLR + SP + 1.00% to MCLR + SP + 7.00%. The scheme page's ₹40 crore ceiling is limited to specified legal constitutions, not a universal sanctioned amount. A final rate still depends on the applicable exposure, regulatory status, rating and security.Effective 6 Dec 2025View source

The scheme page explicitly says rates are as per and CR guidelines; published rates are formulas, not a single borrower quote.

Source: Loan Interest Rates — Bank of Baroda
Page / section: /hard-security matrix through ₹7.50 crore; CR rate table above ₹7.50 crore to ₹100 crore
Accessed: 26 Sept 2026
Confidence: high

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Collateral and marginOverdraft 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.View source

The official margin section publishes the overdraft and bank-guarantee security percentages and exceptions.

Source: Baroda Contractor Scheme Mumbai — official Bank of Baroda page
Page / section: — Margin Standard
Accessed: 30 Aug 2026
Confidence: high

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Working-capital processing chargesFor the scheme's matching working-capital OD/FB-NFB limit, the MSME tariff is nil up to ₹25,000; above that, fresh/review charges are 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. The page states the CMR requirement for regulatory/expanded MSME aggregate limits above ₹25 lakh to ₹7.50 crore. Charges exclude GST. The related bank guarantee has a separate commission schedule below.Effective 3 May 2024View source

The Contractor Scheme Mumbai page lists for day-to-day working-capital needs; tariff row 1(A) covers matching funded and non-funded working-capital facilities.

Source: Service Charges — Bank of Baroda advances
Page / section: Annexure II — , row 1(A), FB/NFB working-capital processing
Accessed: 26 Sept 2026
Confidence: high

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PurposeCredit for contractors executing civil-engineering works awarded by BMC or civic agencies operating in the Brihan Mumbai Metropolitan Region.View source

The current page limits scheme scope to credit needs of contractors executing civil-engineering contracts awarded by /civic agencies in the Brihan Mumbai Metropolitan Region.

Source: Baroda Contractor Scheme Mumbai — Bank of Baroda
Page / section: Features — Scope of the Scheme
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 scheme page does not identify the guarantee class, tenor or rating for a particular sanction.Effective 10 Dec 2022View source

The scheme page lists bank guarantees in favour of /civic agencies; the exact guarantee type is not assigned to the tariff's performance or financial class.

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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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%, QIS submitters 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. 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; the separate charge does not apply when the stated 60% utilization/QIS condition is met. Charges exclude GST.Effective 3 May 2024View source

Only applies if the sanctioned / is a matching working-capital limit 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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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 commencement certificate 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 for 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 illustrative 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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Eligible customerContractors of any legal constitution executing eligible BMC or civic-agency civil-engineering works.View source

The page covers contractors of any constitution engaged in civil-engineering contracts awarded by /civic agencies in the Brihan Mumbai Metropolitan Region.

Source: Baroda Contractor Scheme Mumbai — Bank of Baroda
Page / section: Scope of the Scheme; Eligibility
Accessed: 26 Sept 2026
Confidence: high

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Geographic scopeBrihan Mumbai Metropolitan Region; for civil-engineering works awarded by BMC or civic agencies.View source

The published scope names works awarded by /civic agencies in the Brihan Mumbai Metropolitan Region.

Source: Baroda Contractor Scheme Mumbai — Bank of Baroda
Page / section: Scope of the Scheme
Accessed: 26 Sept 2026
Confidence: high

Open official source ↗

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

Registered contractors of /civic agencies operating in the Brihan Mumbai Metropolitan Region, across applicant constitutions, executing civil-engineering contracts. Bank accounts must be registered with the relevant /civic agencies.

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₹17,911seventeen thousand nine hundred eleven rupees

Interest paid over the full loan₹17,98,586seventeen lakh ninety-eight thousand five hundred eighty-six rupees

Everything you repay₹42,98,586forty-two lakh ninety-eight thousand five hundred eighty-six 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.

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TableTerm

Scope · Published detailCivil-engineering contract work awarded by /civic agencies in the Brihan Mumbai Metropolitan Region

This value is copied from Baroda Contractor Scheme Mumbai — published scheme terms. Check the table notes before relying on it.

Source: Baroda Contractor Scheme Mumbai — Bank of Baroda · Features — Scope and Constitution Coverage; — Entry Norms, Nature of Facility, Exposure Ceiling and Margin Standard; Interest Rates and Charges Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 9 rows · 2 columnsBaroda Contractor Scheme Mumbai — published scheme termsProduct-page features and MITC conditions arranged in a compact table; this is a structured transcription of page text, not a verbatim source table.View tableHide table

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Baroda Contractor Scheme Mumbai — published scheme terms
Term	Published detail
Scope	Civil-engineering contract work awarded by /civic agencies in the Brihan Mumbai Metropolitan Region
Applicant constitution	All constitution types engaged in eligible civil-engineering contracts
Entry norms	Contractor and Bank of Baroda accounts registered with the relevant /civic agencies in the Greater Mumbai Metropolitan Region
Facilities	Overdraft for normal day-to-day working-capital needs; bank guarantee in favour of /civic agencies; solvency certificate for tender participation
Exposure ceiling	₹40 crore for proprietary concerns, partnership firms, trusts and societies
Mobilisation advance guarantee	Generally no more than 20% of total bank-guarantee facility; relaxation may be approved by the Executive Director
Overdraft margin	25% of chargeable current assets
Bank-guarantee margins	Cash margin 10%–25%; property market value at least 15% of facility; 100% cash margin for guarantees covering disputes or court cases
Pricing	As per and CR Guidelines

The ₹40 crore ceiling is not generalized beyond the constitutions named on the page. The page gives pricing guidelines but no numeric interest rate or spread.

Baroda Contractor Scheme Mumbai — Bank of Baroda · Features — Scope and Constitution Coverage; — Entry Norms, Nature of Facility, Exposure Ceiling and Margin Standard; Interest Rates and Charges · accessed 26 Sept 2026Open official source ↗

Table 2 · 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 3 · 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 4 · 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 ↗

Table 5 · 3 rows · 2 columnsBOB CR-based rate formulas above ₹7.50 croreConditional CR formulas from the Bank's current rate page. The two linked scheme pages explicitly refer to CR pricing; no rating or final borrower rate is assumed.View tableHide table

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BOB CR-based rate formulas above ₹7.50 crore
Exposure / segment	Published rate formula
Published exposure band	Above ₹7.50 crore to ₹100 crore
Regulatory advances by CR	CR 1: + 0.50%; CR 2: +1.00%; CR 3: +1.25%; CR 4: +2.00%; CR 5: +3.00%; CR 6 and below: +6.00%.
Non-regulatory advances by CR	CR 1: + + 1.00%; CR 2: +1.25%; CR 3: +2.75%; CR 4: +3.50%; CR 5: +4.50%; CR 6 and below: +7.00%.

is 7.90% p.a. and is 0.25% effective 6 December 2025. Final pricing depends on the applicable benchmark, exposure category and CR assigned at sanction.

Loan Interest Rates — Bank of Baroda current rate matrix · Corporate BR/ matrix; CR formulas for exposures above ₹7.50 crore to ₹100 crore · effective 6 Dec 2025 · accessed 26 Sept 2026Open official source ↗

Table 6 · 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 7 · 4 rows · 2 columnsSecurity details requested in BOB MSME applicationThe form asks the applicant to disclose primary and collateral security; Mumbai-specific margin and guarantee-security terms remain governed by the product page.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

The product page separately publishes margin, cash/property margins and a 100% cash-margin rule for disputed guarantees.

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 Scheme Mumbai

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