Business, & agriculture finance

Baroda Laghu Udyami Credit Card

Baroda Laghu Udyami Credit Card designed specifically to empower small entrepreneurs with convenient financial solutions for their business. Avail of hassle-free loans & advances. Apply now!

Facility amountMaximum limit up to ₹10 lakh.Interest rateRepo-linked regulatory MSME pricing varies by limit and enterprise size. Up to ₹50,000, Micro: 8.15% p.a. (BRLLR + SP) and Small: 10.15% (BRLLR + SP + 2.00%); above ₹50,000 to ₹2 lakh, Micro: 10.15% and Small: 10.35%; above ₹2 lakh to ₹10 lakh, Micro: 10.35% and Small: 10.50%. Calculated from the Bank's BRLLR of 7.90% and SP of 0.25%, effective 6 December 2025. The applicable rate depends on the sanctioned amount and enterprise class; it is not an individual sanction quote.Eligible customersSmall business units, retail traders, artisans, village and small/tiny industries, professionals and self-employed persons. Existing MSE customers must have satisfactory dealings with Bank of Baroda for 3 years and an existing loan/operative limit up to ₹10 lakh.

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✓ Manually checked 11 Sept 2026 · active

Baroda Laghu Udyami Credit Card 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.

EligibilityExisting MSE customers with satisfactory dealings for 3 years and existing loan/operative limit up to ₹10 lakhView source

The official page states the relationship and existing-limit requirements.

Source: Baroda Laghu Udyami Credit Card
Page / section: Eligibility
Accessed: 21 Aug 2026
Confidence: high

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Maximum limit₹10 lakhView source

The official page caps the limit at ₹10 lakh.

Source: Baroda Laghu Udyami Credit Card
Page / section: — Limit
Accessed: 21 Aug 2026
Confidence: high

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Limit validity3 years subject to annual reviewView source

The official page states annual review.

Source: Baroda Laghu Udyami Credit Card
Page / section: — Period
Accessed: 21 Aug 2026
Confidence: high

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MarginNil up to ₹50,000; 25% from ₹50,001 to ₹10 lakhView source

The official margin table gives two bands.

Source: Baroda Laghu Udyami Credit Card
Page / section: — Margin
Accessed: 21 Aug 2026
Confidence: high

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Laghu Udyami Credit Card eligibilityThe scheme serves small business units, retail traders, artisans, village industries, small/tiny industrial units, professionals and self-employed persons. Existing MSE customers must have satisfactory dealings for the last 3 years and an existing loan/operative limit up to ₹10 lakh.View source

The official Features and Eligibility sections publish target businesses, relationship and facility-size rules.

Source: Baroda Laghu Udyami Credit Card
Page / section: Features / Eligibility
Accessed: 23 Aug 2026
Confidence: high

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Laghu Udyami Credit Card limit and marginMaximum limit is ₹10 lakh, linked to repo rate (BRLLR), and valid for 3 years subject to internal annual review. Margin is nil up to ₹50,000 and 25% from ₹50,001 to ₹10 lakh.View source

The official rate and sections publish limit, validity and margin bands.

Source: Baroda Laghu Udyami Credit Card
Page / section: Interest Rates & Charges /
Accessed: 23 Aug 2026
Confidence: high

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Facility amountMaximum limit up to ₹10 lakh.View source

The limit section caps the facility at ₹10 lakh.

Source: Baroda Laghu Udyami Credit Card — official Bank of Baroda page
Page / section: — Limit
Accessed: 30 Aug 2026
Confidence: high

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TenureThe limit is valid for 3 years, subject to internal annual review based on account conduct and operations.View source

The Period section specifies 3 years and annual review.

Source: Baroda Laghu Udyami Credit Card — official Bank of Baroda page
Page / section: — Period
Accessed: 30 Aug 2026
Confidence: high

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Eligible customersSmall business units, retail traders, artisans, village and small/tiny industries, professionals and self-employed persons. Existing MSE customers must have satisfactory dealings with Bank of Baroda for 3 years and an existing loan/operative limit up to ₹10 lakh.View source

The page names the covered small-business/customer groups and then adds the existing relationship and operative-limit conditions.

Source: Baroda Laghu Udyami Credit Card
Page / section: Overview; Eligibility
Accessed: 26 Sept 2026
Confidence: high

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Interest rateRepo-linked regulatory MSME pricing varies by limit and enterprise size. Up to ₹50,000, Micro: 8.15% p.a. (BRLLR + SP) and Small: 10.15% (BRLLR + SP + 2.00%); above ₹50,000 to ₹2 lakh, Micro: 10.15% and Small: 10.35%; above ₹2 lakh to ₹10 lakh, Micro: 10.35% and Small: 10.50%. Calculated from the Bank's BRLLR of 7.90% and SP of 0.25%, effective 6 December 2025. The applicable rate depends on the sanctioned amount and enterprise class; it is not an individual sanction quote.Effective 6 Dec 2025View source

The Laghu Udyami page links its rate to Repo/. The bank's regulatory table gives the Micro/Small spreads by limit band; current is 7.90% and 0.25% effective 6 December 2025. Effective rates shown here are calculated by adding those published components.

Source: Loan Interest Rates — Bank of Baroda
Page / section: Regulatory limits up to ₹25 lakh, lines 159–167; / reference, lines 299–301; Laghu Udyami page, Repo-linked pricing, lines 148–150
Accessed: 27 Sept 2026
Confidence: high

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MSE turnover classificationBOB requires an existing MSE customer. Under the current Government MSE classification (effective 1 April 2025), a Micro enterprise has investment up to ₹2.5 crore and turnover up to ₹10 crore; a Small enterprise has investment up to ₹25 crore and turnover up to ₹100 crore. These are classification ceilings, not a Bank of Baroda minimum-turnover rule.Effective 1 Apr 2025View source

page restricts the scheme to existing customers under sectors. The Udyam portal publishes current Micro and Small investment/turnover limits; they define classification and do not set a minimum turnover for this card.

Source: Udyam Registration — Government of India current classification
Page / section: Current criteria lines 46–49 and table's 1 April 2025 onwards column lines 52–62; Laghu Udyami Eligibility lines 144–146
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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Eligibility

Existing customers with satisfactory dealings for 3 years and existing loan/operative limit up to ₹10 lakh

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₹21,145twenty-one thousand one hundred forty-five rupees

Interest paid over the full loan₹25,74,797twenty-five lakh seventy-four thousand seven hundred ninety-seven rupees

Everything you repay₹50,74,797fifty lakh seventy-four thousand seven hundred ninety-seven 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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Find the exact published value

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TableRegulatory limitChoose column

Up to ₹50,000 · Micro +

This value is copied from Bank of Baroda — regulatory rates up to ₹25 lakh. Check the table notes before relying on it.

Source: Loan Interest Rates — Bank of Baroda · RATE OF INTEREST ON REGULATORY AND NON REGULATORY LOANS — regulatory limits up to ₹25 lakh, lines 159–167; / reference lines 299–301 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 4 rows · 4 columnsBank of Baroda — regulatory MSME rates up to ₹25 lakhFull amount-band and enterprise-size table; both card pages link pricing to Repo/BRLLR. The MSE General Card's maximum is ₹10 lakh and the Laghu Udyami maximum is ₹10 lakh, so the last band is retained for source completeness but is outside either card's stated maximum.View tableHide table

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Bank of Baroda — regulatory MSME rates up to ₹25 lakh
Regulatory limit	Micro	Small	Medium
Up to ₹50,000	+	+ + 2.00%	+ + 2.70%
Above ₹50,000 to ₹2 lakh	+ + 2.00%	+ + 2.20%	+ + 2.70%
Above ₹2 lakh to ₹10 lakh	+ + 2.20%	+ + 2.35%	+ + 2.70%
Above ₹10 lakh to ₹25 lakh	+ + 2.35%	+ + 2.50%	+ + 2.70%

The Bank lists at 7.90% p.a. and Strategic Premium () at 0.25%, effective 6 December 2025. Effective rates calculated from these formulae are shown in each product's rate fact.
The applicable regulatory limit band and Micro/Small/Medium classification must be established for the applicant. These are published formulas, not an individual sanction quote.
The -linked non-regulatory schedule is not substituted because both product pages expressly link interest to Repo/.

Loan Interest Rates — Bank of Baroda · RATE OF INTEREST ON REGULATORY AND NON REGULATORY LOANS — regulatory limits up to ₹25 lakh, lines 159–167; / reference lines 299–301 · accessed 27 Sept 2026Open official source ↗

Table 2 · 2 rows · 4 columnsCurrent Government MSE classification relevant to Laghu Udyami eligibilityCurrent Micro and Small investment/turnover ceilings used to classify MSEs; not a product-specific minimum-turnover rule.View tableHide table

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Current Government MSE classification relevant to Laghu Udyami eligibility
Enterprise class	Investment ceiling	Annual-turnover ceiling	Effective from
Micro	₹2.5 crore	₹10 crore	1 April 2025
Small	₹25 crore	₹100 crore	1 April 2025

Government of India Udyam Registration Portal defines the current classification. Laghu Udyami page requires an existing customer; these class ceilings do not establish a minimum turnover or card limit.

Important to Know — Udyam Registration Portal, Ministry of , Government of India · Current Micro and Small criteria, lines 46–49; table's 1 April 2025 onwards values, lines 52–62 · effective 1 Apr 2025 · accessed 27 Sept 2026Open official source ↗

Table 3 · 8 rows · 2 columnsBaroda Laghu Udyami Credit Card — published terms and margin bandsProduct-page terms with the current applicable Repo-linked MSME pricing reference.View tableHide table

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Baroda Laghu Udyami Credit Card — published terms and margin bands
Term	Published detail
Eligible customer groups	Small business units, retail traders, artisans, village industries, small/tiny industrial units, professionals and self-employed persons
Existing-customer condition	Existing customer with satisfactory Bank of Baroda dealings for the preceding 3 years
Existing loan/operative limit	Up to ₹10 lakh
Maximum card limit	Up to ₹10 lakh
Margin up to ₹50,000	Nil
Margin ₹50,001–₹10 lakh	25%
Validity	3 years, subject to internal annual review
Interest benchmark and current rate	Repo/-linked. Current regulatory rates vary by limit and Micro/Small class; see the linked official rate matrix. is 7.90% and 0.25% effective 6 December 2025.

Current Government turnover/investment ceilings are shown separately as classification context, not as a minimum-turnover requirement.
Shared application remains unread; product research is not complete.

Baroda Laghu Udyami Credit Card — Bank of Baroda · Features; Eligibility; Interest Rates & Charges; — Limit, Period and Margin, lines 139–165 · accessed 27 Sept 2026Open official source ↗

Baroda Laghu Udyami Credit Card

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