Business, & agriculture finance

Baroda Doctor Plus Scheme

Secure your future as a medical professional with Bank of Baroda

Loan amountAbove ₹10 lakh to ₹50 crore.Interest rateThe official scheme page states Repo-linked pricing, CMR-based for proposals up to ₹7.50 crore and CR-based above ₹7.50 crore. The Bank's current MSME matrix supplies regulatory/non-regulatory formula bands through ₹7.50 crore; above ₹7.50 crore, its CR table covers ₹7.50 crore–₹100 crore. For that upper band, regulatory pricing is BRLLR + 0.50% to BRLLR + 6.00% by CR, and non-regulatory pricing is MCLR + SP + 1.00% to MCLR + SP + 7.00%. BRLLR is 7.90% p.a. and SP is 0.25% effective 6 December 2025. The page does not give a customer's rating/security/classification, so these are conditional published formulas, not an individual quote.Eligible customersDoctors with MBBS, MD, MS, BAMS, BDS, BHMS, BUMS, BPT, or BOT degrees; experienced healthcare professionals and individual medical practitioners; diagnostic chains, institutes, hospitals, clinics, diagnostic/pathology centres, medical colleges, nursing/maternity homes, endoscopy, IVF, ENT and specialty clinics, and research centres.

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✓ Manually checked 11 Sept 2026 · active

Baroda Doctor Plus Scheme official product image

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.

Eligible customersDoctors with MBBS, MD, MS, BAMS, BDS, BHMS, BUMS, BPT, or BOT degrees; experienced healthcare professionals and individual medical practitioners; diagnostic chains, institutes, hospitals, clinics, diagnostic/pathology centres, medical colleges, nursing/maternity homes, endoscopy, IVF, ENT and specialty clinics, and research centres.View source

The page explicitly lists the qualifying medical degrees and the eligible healthcare professionals and facility types.

Source: Baroda Doctor Plus Scheme — Bank of Baroda
Page / section: Eligibility Criteria
Accessed: 26 Sept 2026
Confidence: high

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Loan amountAbove ₹10 lakh to ₹50 crore.View source

The current page lists the minimum as above 10 lakh and the maximum as 50 crore.

Source: Baroda Doctor Plus Scheme — Bank of Baroda
Page / section: Features — Loan Amount
Accessed: 26 Sept 2026
Confidence: high

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Interest rateThe official scheme page states Repo-linked pricing, CMR-based for proposals up to ₹7.50 crore and CR-based above ₹7.50 crore. The Bank's current MSME matrix supplies regulatory/non-regulatory formula bands through ₹7.50 crore; above ₹7.50 crore, its CR table covers ₹7.50 crore–₹100 crore. For that upper band, regulatory pricing is BRLLR + 0.50% to BRLLR + 6.00% by CR, and non-regulatory pricing is MCLR + SP + 1.00% to MCLR + SP + 7.00%. BRLLR is 7.90% p.a. and SP is 0.25% effective 6 December 2025. The page does not give a customer's rating/security/classification, so these are conditional published formulas, not an individual quote.Effective 6 Dec 2025View source

The product page expressly divides proposals at ₹7.50 crore into and CR pricing; the linked tables retain both regulatory and non-regulatory rate formulas.

Source: Loan Interest Rates — Bank of Baroda
Page / section: Doctor Plus page — ; /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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Processing and review chargesProcessing: 0.25% plus GST, capped at ₹2.50 lakh. Annual review charge: nil.View source

The current page states unified processing charges of 0.25% plus subject to a ₹2.50 lakh maximum and nil annual review charges.

Source: Baroda Doctor Plus Scheme — Bank of Baroda
Page / section: Features — Processing Charges
Accessed: 26 Sept 2026
Confidence: high

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Repayment tenureUp to 84 months, including the moratorium period.View source

The current page publishes a maximum repayment period of 84 months inclusive of moratorium.

Source: Baroda Doctor Plus Scheme — Bank of Baroda
Page / section: Features — Repayment
Accessed: 26 Sept 2026
Confidence: high

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Margin10%–15%, depending on the category of machinery/equipment.View source

The current page sets margin at 10%–15% depending on machinery/equipment category.

Source: Baroda Doctor Plus Scheme — Bank of Baroda
Page / section: Features — Margin
Accessed: 26 Sept 2026
Confidence: high

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Age25 to 70 years.View source

The current page lists applicant age as 25–70 years.

Source: Baroda Doctor Plus Scheme — Bank of Baroda
Page / section: Features — Age
Accessed: 26 Sept 2026
Confidence: high

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PurposePurchase of new or refurbished healthcare equipment or machinery.View source

The current page's complete published terms table lists purchase of new or refurbished healthcare equipment/machinery as the purpose.

Source: Baroda Doctor Plus Scheme — Bank of Baroda
Page / section: Features — Purpose
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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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

Facility · Published detailTerm loan

This value is copied from Baroda Doctor Plus Scheme — published terms. Check the table notes before relying on it.

Source: Baroda Doctor Plus Scheme — Bank of Baroda · Features; Eligibility Criteria 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 Doctor Plus Scheme — published termsProduct-page financial terms and eligible customer groups; the unpublished/absent row from the older table is omitted.View tableHide table

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Baroda Doctor Plus Scheme — published terms
Term	Published detail
Facility	Term loan
Purpose	Purchase of new or refurbished healthcare equipment/machinery
Eligible customers	Doctors with listed medical degrees; experienced healthcare professionals; individual practitioners; healthcare centres and institutions listed in the Eligibility Criteria section
Age	25 to 70 years
Loan amount	Above ₹10 lakh to ₹50 crore
Margin	10%–15%, depending on machinery/equipment category
Pricing	Repo-linked; -based up to ₹7.50 crore and CR-based above ₹7.50 crore
Repayment	Maximum 84 months including moratorium
Processing charge	0.25% plus , capped at ₹2.50 lakh; annual review charge nil

The page's Download Form link led to the Bank's general download-forms route, which timed out on 2026-09-26; no product-specific document checklist was inferred.

Baroda Doctor Plus Scheme — Bank of Baroda · Features; Eligibility Criteria · accessed 26 Sept 2026Open official source ↗

Table 2 · 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 3 · 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 ↗

Baroda Doctor Plus Scheme

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