Business, & agriculture finance

Baroda Kisan Pride

Cash-credit crop finance for progressive and scientific farmers, with a ₹5 lakh–₹10 crore limit and repayment tied to the crop cycle.

Loan amountMinimum ₹5 lakh and maximum ₹10 crore. The working-capital calculation considers 150%, 200% or 250% of the applicable DLTC/SLTC scale of finance multiplied by cultivated area, plus 30% of the limit for miscellaneous post-harvest costs, farm-asset repairs and maintenance, and insurance.Interest rateIndicative floating rates calculated on 28 September 2026 from the Bank's published pricing inputs: 10.25% p.a. for ₹5–25 lakh; 10.50% above ₹25 lakh to ₹2 crore; 11.00% above ₹2 crore to ₹5 crore; and 11.50% above ₹5 crore. Calculation: one-year MCLR 8.75% (effective 12 September 2026) + current published Strategic Premium 0.25% + the Kisan Pride spread of 1.25%, 1.50%, 2.00% or 2.50%, respectively. The rate is floating; the benchmark and premium can change, and the sanctioned rate controls.Security and working-capital marginPrimary security: hypothecation of crops grown and assets created from bank finance. Collateral: mortgage of agricultural land. If the land value is below the Bank's required value, the shortfall may be met with a mortgage of SARFAESI-compliant property equal to 100% of the limit or the shortfall, or other listed securities at 100% of value—LIC policy surrender value assigned to the Bank, pledged KVP/NSC, or Bank term deposit. Working-capital margin is nil.

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✓ Manually checked 28 Sept 2026 · active

Baroda Kisan Pride — greenhouse farming with a farmer using a tablet

Offered byBank of Baroda

India through Bank of Baroda's domestic branch network; individual products may have narrower eligibility or channel availability

Key facts

What the official sources publish

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EligibilityFor progressive and scientific farmers using modern farming methods. Eligible types listed are corporate farmers; Farmer Producer Organisations/Companies; companies of individual farmers; proprietorships; partnerships; farmer cooperatives; large individual or joint owner-cultivators; other individual farmers; and lease cultivators (normal BKCC lease conditions apply). Existing BKCC borrowers may qualify subject to scheme requirements, but Pride and BKCC must not both be sanctioned against the same land parcel. Two unrelated individuals applying as large farmers must form a constitution such as a partnership.View source

The complete official eligibility list specifies farmer legal forms, owner/lease routes, the existing- same-land bar and the constitution needed for two unrelated large-farmer applicants.

Source: Baroda Kisan Pride — Bank of Baroda
Page / section: Features; Eligibility Criteria
Accessed: 28 Sept 2026
Confidence: high

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The page gives ₹5 lakh minimum and ₹10 crore maximum; its scale-of-finance formula is a calculation basis, not a guaranteed sanction.

Source: Baroda Kisan Pride — Bank of Baroda
Page / section: Benefits; — Quantum of Loan
Accessed: 28 Sept 2026
Confidence: high

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Facility typeCash Credit — Crop LoanView source

The names the nature of this product facility as cash credit for a crop loan.

Source: Baroda Kisan Pride — Bank of Baroda
Page / section: — Nature of Facility
Accessed: 28 Sept 2026
Confidence: high

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Interest rateIndicative floating rates calculated on 28 September 2026 from the Bank's published pricing inputs: 10.25% p.a. for ₹5–25 lakh; 10.50% above ₹25 lakh to ₹2 crore; 11.00% above ₹2 crore to ₹5 crore; and 11.50% above ₹5 crore. Calculation: one-year MCLR 8.75% (effective 12 September 2026) + current published Strategic Premium 0.25% + the Kisan Pride spread of 1.25%, 1.50%, 2.00% or 2.50%, respectively. The rate is floating; the benchmark and premium can change, and the sanctioned rate controls.View source

The current publishes four limit spreads. The indicative all-in percentages are transparent arithmetic from that formula, the Bank's one-year effective 12 September 2026 and its currently displayed 0.25% Strategic Premium; they are not quoted as fixed-rate guarantees.

Source: Baroda Kisan Pride — Bank of Baroda
Page / section: — Rate of Interest, rows 1–4
Accessed: 28 Sept 2026
Confidence: high

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Linked-loan concessionsThe concessions table applies to linked facilities by use: agri investment for mechanisation, irrigation, allied activities, polyhouse, godown or cold storage—full processing-charge waiver and 0.50% interest concession; housing—full waiver and 0.10%; auto—full waiver and 0.25%; education—full waiver and 0.10% in India or 0.25% abroad; MSME business loan—50% processing-charge concession and 0.25% interest concession. The page says no other concession, such as a festival offer, may be combined.View source

Five distinct linked-use rows state the processing-charge and interest concessions and prohibit stacking another concession such as a festival offer.

Source: Baroda Kisan Pride — Bank of Baroda
Page / section: Benefits — Concessions table, rows 1–5
Accessed: 28 Sept 2026
Confidence: high

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Repayment periodRepayment is set to the expected crop harvesting and marketing period: due within 12 months from disbursement for short-term crops and within 18 months for long-term crops.View source

The official repayment period depends on anticipated crop harvesting and marketing, with 12- and 18-month due dates by crop duration.

Source: Baroda Kisan Pride — Bank of Baroda
Page / section: — Repayment Period
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Security and working-capital marginPrimary security: hypothecation of crops grown and assets created from bank finance. Collateral: mortgage of agricultural land. If the land value is below the Bank's required value, the shortfall may be met with a mortgage of SARFAESI-compliant property equal to 100% of the limit or the shortfall, or other listed securities at 100% of value—LIC policy surrender value assigned to the Bank, pledged KVP/NSC, or Bank term deposit. Working-capital margin is nil.View source

The gives the primary hypothecation, land mortgage, substitution values/options and nil working-capital margin.

Source: Baroda Kisan Pride — Bank of Baroda
Page / section: — Security; Margin
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Age and co-borrower criteriaBorrower minimum age: 18 years; no maximum-age ceiling is published. If a borrower's age exceeds 65, a co-borrower is mandatory. The co-borrower must be 18–60 years old and meet the Bank's credit-score criteria.View source

The gives an 18-year minimum and no ceiling; above age 65, the borrower must add a co-borrower aged 18–60 who meets the credit-score criteria.

Source: Baroda Kisan Pride — Bank of Baroda
Page / section: — Age Criteria
Accessed: 28 Sept 2026
Confidence: high

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Crop-loan inspection chargesCrop-loan inspection: above ₹3 lakh to ₹10 lakh, ₹250; above ₹10 lakh to ₹1 crore, ₹500; above ₹1 crore, ₹1,000, plus actual conveyance and out-of-pocket expenses. The schedule's Agriculture and Advances charge heading is exclusive of GST.View source

The separate crop-loan inspection row gives three sanctioned-limit bands and states that actual conveyance and out-of-pocket expenses are recovered.

Source: Service Charges — Agriculture and Advances, Bank of Baroda
Page / section: Agriculture and Advances — Inspection Charges for crop loan, lines 1270–1272
Accessed: 28 Sept 2026
Confidence: high

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Required documentsAll borrowers: loan application; passport-size photographs; KYC identity proof such as driving licence, Aadhaar, voter ID or passport; registration certificate for a registered concern and municipal Shop & Establishment certificate/licence where applicable; registered lease document for lease cultivators; title investigation report under Bank instructions; Demand Promissory Note and delivery letter; hypothecation agreement; guarantee deed and mortgage deed where applicable; borrower-accepted arrangement letter; at least two credit-bureau reports; documents kept valid under limitation law; and any other applicable documents. Partnership: partnership deed, registration certificate and firm PAN. LLP: LLP deed; ROC registration certificate with partners' DPINs; registered-office proof; incorporation certificate; LLP PAN; bank-account resolution; beneficial-owner/authorised-person documents; GST returns. Company: incorporation certificate; Memorandum and Articles of Association; PAN; board resolution; power of attorney if any; OVD for attorney holder and commencement certificate for public companies; current director list and applicable director OVDs; authorised-signatory list; shareholder and beneficial-owner list with OVDs for unlisted companies; six-month company bank statement; business income proof; actual, audited or projected balance sheet, profit-and-loss statement and cash-flow statement. Society/cooperative/association: registration (mandatory except farmers' clubs), Memorandum of Association, rules/bylaws, committee resolution, authorised-signatory list, PAN and beneficial-owner documents. Every borrower class: landholding details certified by revenue authority or available online land records, certified land proof not more than three months old, and cropping pattern with acreage.View source

The fact follows the current product-page common and entity-specific lists. Its indicative general-form checklist was separately reviewed but was not substituted for this product-specific list.

Source: Baroda Kisan Pride — Bank of Baroda
Page / section: Document Required; entity-specific checklists; all-borrower land/cropping requirement
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Eligibility

For progressive and scientific farmers using modern farming methods. Published borrower types include corporate farmers, /, companies of farmers, proprietorships, partnerships, farmer cooperatives, large individual/joint owner-cultivators, other individual farmers and lease cultivators.
Existing borrowers may apply subject to scheme requirements, but Pride and must not both be sanctioned against the same land parcel. Two unrelated individuals applying as large farmers must form a constitution such as a partnership. Normal lease-cultivator conditions apply.

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

Documents the bank lists

Loan application form
Passport-size photographs
identity proof such as driving licence, Aadhaar, voter or passport
Registration certificate for a registered concern and municipal Shop & Establishment certificate/licence, where applicable
Registered lease document for lease cultivators
Title investigation report under the Bank's instructions
Demand Promissory Note and delivery letter
Hypothecation agreement
Guarantee deed, where applicable
Mortgage deed, where applicable
Accepted arrangement letter
At least two credit-bureau reports
Documents required to remain valid under limitation law
Any other applicable documents required by the Bank
Partnership applicants: partnership deed, registration certificate and firm
: deed; ROC registration and partners' DPINs; registered-office proof; incorporation certificate; ; bank-account resolution; beneficial-owner/authorised-person documents; returns
Companies: incorporation certificate; Memorandum and Articles of Association; company ; board resolution; power of attorney if granted; OVD for attorney holder and commencement certificate for public companies; director list and applicable director OVDs; authorised-signatory list; shareholder/beneficial-owner list and OVDs for unlisted companies; six-month company bank statement; business income proof; actual/audited/projected financial statements
Societies/cooperatives/associations: registration (mandatory except farmers' clubs), Memorandum of Association, rules/bylaws, committee resolution, authorised-signatory list, and beneficial-owner documents
All borrower classes: landholding records certified by revenue authorities or available online land records; certified land proof not older than three months; cropping pattern with acreage

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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₹24,541twenty-four thousand five hundred forty-one rupees

Interest paid over the full loan₹33,89,860thirty-three lakh eighty-nine thousand eight hundred sixty rupees

Everything you repay₹58,89,860fifty-eight lakh eighty-nine thousand eight hundred sixty 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

Target profile · Published detailLarge/high-income farmers and progressive/scientific farmers using modern techniques; no numeric income or turnover cutoff is stated.

This value is copied from Baroda Kisan Pride — published product terms. Check the table notes before relying on it.

Source: Baroda Kisan Pride — Bank of Baroda · Benefits; Features; Eligibility Criteria; Document Required; Fees & Charges; ; current Agriculture and Advances tariff; linked agricultural-credit application forms Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 18 rows · 2 columnsBaroda Kisan Pride — published product termsCurrent official scheme profile, eligibility, amount, rate, repayment, security, fees, concessions, document and application-form information. Linked-use concessions and application-form fields are distinguished from the crop-loan terms.View tableHide table