Business, & agriculture finance

Baroda General Credit Card

Baroda general credit card has excellent features, benefits & low interest rates which you can use for working capital requirements, funding a new project, etc. Click to know more!

LimitMinimum ₹25,000 and maximum ₹10 lakh.Interest rateRepo-linked regulatory MSME pricing varies by limit and enterprise size. For this card's ₹25,000–₹10 lakh range: 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 customerAn individual undertaking non-farm entrepreneurial activity.

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✓ Manually checked 11 Sept 2026 · active

Baroda MSE General Credit Card 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.

LimitMinimum ₹25,000 and maximum ₹10 lakh.View source

The official publishes the ₹25,000–₹10 lakh range.

Source: Baroda General Credit Card
Page / section: — Limit
Accessed: 23 Aug 2026
Confidence: high

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Permitted usesWorking capital; new project or expansion involving land/building, plant and machinery; and non-fund-based bank-guarantee or letter-of-credit facilities.View source

The official purpose section enumerates fund-based and non-fund-based uses.

Source: Baroda General Credit Card
Page / section: Features — Purpose
Accessed: 23 Aug 2026
Confidence: high

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Margin20% for working-capital, term-loan, demand-loan and non-fund-based facilities; 25% for land and building.View source

The official publishes the two margin bands.

Source: Baroda General Credit Card
Page / section: — Margin
Accessed: 23 Aug 2026
Confidence: high

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PeriodTerm/demand loan: up to 84 months with 12-month moratorium. Working-capital facility: 12 months subject to annual review.View source

The official period section publishes the term/demand and working-capital tenors.

Source: Baroda General Credit Card
Page / section: — Period
Accessed: 23 Aug 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 business and its 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; existing-bank statements for the last 6 months or other-bank sanction letters; and an insurance cover note. The form calls this an illustrative checklist and allows additional documents.View source

The checklist is labelled 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 customerAn individual undertaking non-farm entrepreneurial activity.View source

The page says: any individual taking up non-farm entrepreneurial activity across the country.

Source: Baroda General Credit Card — Bank of Baroda
Page / section: Most Important Terms and Conditions — Eligibility, lines 158–161
Accessed: 27 Sept 2026
Confidence: high

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EligibilityAn individual undertaking non-farm entrepreneurial activity across India. Ineligible if already issued BKCC, BACC, BWCC, LUCC, BOBCARD or another credit card, except cards for consumption needs.View source

The current page lists , BACC, BWCC, LUCC, and other credit cards as exclusions, except cards issued for consumption needs.

Source: Baroda General Credit Card — Bank of Baroda
Page / section: Most Important Terms and Conditions — Eligibility, lines 158–161
Accessed: 27 Sept 2026
Confidence: high

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Geographic scopeNon-farm entrepreneurial activity across India.View source

The official page explicitly says non-farm activity may be undertaken across the country.

Source: Baroda General Credit Card — Bank of Baroda
Page / section: Most Important Terms and Conditions — Eligibility, lines 158–161
Accessed: 27 Sept 2026
Confidence: high

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Interest rateRepo-linked regulatory MSME pricing varies by limit and enterprise size. For this card's ₹25,000–₹10 lakh range: 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 product page links pricing to Repo. The bank's regulatory table gives the Micro and Small spreads by limit band; is 7.90% and 0.25% from 6 December 2025. Effective rates shown here are calculated by adding the published components.

Source: Loan Interest Rates — Bank of Baroda
Page / section: Regulatory limits up to ₹25 lakh, lines 159–167; / reference, lines 299–301; General Card page, Repo-linked pricing, lines 146–148
Accessed: 27 Sept 2026
Confidence: high

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Processing and review chargesFor a matching working-capital funded/non-funded limit: up to ₹25,000 is nil; above ₹25,000, 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 and below. Caps: priority sector ₹35 lakh; exporters ₹17.50 lakh; other advances no cap. For a matching term/demand loan above one year: up to ₹25,000 is nil; above ₹25,000 to ₹1 crore, fresh sanction is 1% of sanctioned limit; term-loan review is 0.10% without cap. Charges exclude GST. Separate LC and guarantee tariffs apply only when those non-fund facilities are used; not every charge applies automatically.Effective 3 May 2024View source

The product page offers working capital, term/demand loans and non-fund facilities. The bank tariff publishes matching working-capital and term/demand processing rows; map charges only to the sanctioned facility and its conditions.

Source: Service Charges — Bank of Baroda
Page / section: Annexure II — rows 1(A), 1(B) and 1(D), lines 1611–1623; General Card permitted facilities, lines 140–145
Accessed: 27 Sept 2026
Confidence: high

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Inland letter-of-credit chargesFor a matching inland LC, sight commission is 0.70% for the period from opening to expiry. Usance commission is 0.75% p.a. for AAA/A1+ or fully Government-guaranteed, 1.00% for AA/A1, 1.25% for A/A2, 1.50% for BBB/A3 and 2.40% for BB and below/A4 and below/unrated. With 100% cash deposit, commission is 25% of card rate; unrated MSME accounts use the BBB rate. The page does not state whether a particular sanctioned LC is sight or usance.Effective 10 Dec 2022View source

The General Card page lists letter-of-credit facilities; this tariff is for matching inland and non-large-corporate/non-C&IC customers.

Source: Service Charges — Bank of Baroda
Page / section: Inland Trade Finance — Inland , lines 1655–1670; product page non-fund facilities, lines 142–145
Accessed: 27 Sept 2026
Confidence: high

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Inland bank-guarantee commissionFor a matching inland guarantee, 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 the same bands. Unrated MSME accounts use BBB rates; with 100% cash margin the charge is 25% of card rate; SFMS/SWIFT/courier is ₹150 per guarantee. Commission covers the claim period; after redemption beyond 60 days, 50% of commission for the unexpired period is refunded. The page does not assign a guarantee type or tenor to an individual sanction.Effective 10 Dec 2022View source

The General Card page lists bank guarantees; applicable commission depends on guarantee type, rating, tenor and cash margin. The shared inland tariff is scoped to non-large-corporate/non-C&IC customers.

Source: Service Charges — Bank of Baroda
Page / section: Inland Trade Finance — Inland Guarantee, lines 1676–1695; product page non-fund facilities, lines 142–145
Accessed: 27 Sept 2026
Confidence: high

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Working-capital commitment chargesFor matching funded working-capital limits, no commitment charge applies when annual average utilisation is at least 60%. 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 the unused portion relative to total limits. For non-funded facilities of ₹1 crore or more that are unused/under-utilised, the tariff is 0.25% p.a. on the unused amount; no separate charge applies when the stated 60% utilisation/QIS condition is met. Charges exclude GST. The product's published overall limit is ₹10 lakh, so the ₹1 crore non-funded threshold is outside that stated limit.Effective 3 May 2024View source

The tariff sets a 60% annual utilisation threshold for funded limits and separate conditions for non-funded limits. The product page offers working capital and sets a maximum overall limit of ₹10 lakh.

Source: Service Charges — Bank of Baroda
Page / section: Annexure II — row 1(F), lines 1624–1630; General Card limit and working-capital facilities, lines 140–145 and 152–155
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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Security and collateral disclosureThe shared 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 MSE General Credit Card page publishes margins but no universal collateral amount or security type; final security remains sanction-specific.View source

The form requests security location, ownership, valuation date, value and charge details and authorises title searches and security documentation; it does not itself fix a collateral amount for this card.

Source: Application Form for Credit Facilities — Bank of Baroda form
Page / section: Pages 4–6 — Sections 13, 16 and 17
Accessed: 29 Sept 2026
Confidence: high

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Benefits and features

Working capital
new project or expansion involving land/building, plant and machinery
and non-fund-based bank-guarantee or letter-of-credit facilities.

Eligibility

Individuals undertaking non-farm entrepreneurial activity across India. Applicants are ineligible if already issued , BACC, BWCC, or another credit card, except cards used only for consumption needs.

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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

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 · 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 4 · 14 rows · 2 columnsBOB MSME credit-facility application checklistFourteen documentary items in the official shared application form; the form calls this illustrative 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 shared form asks the applicant to disclose primary and collateral security; it does not itself set a universal collateral amount for the MSE General Credit Card.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; the product page's 20%/25% margins are retained separately and are not treated as collateral.

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

Table 6 · 8 rows · 2 columnsBaroda MSE General Credit Card — published termsCurrent official Features, Interest Rates & Charges and MITC; product-specific conditions are separated from conditional shared tariffs.View tableHide table

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Baroda MSE General Credit Card — published terms
Term	Published detail
Purpose	Working capital; financing a new or expansion project, including land/building and plant/machinery; non-fund bank-guarantee and letter-of-credit facilities
Limit	Minimum ₹25,000; maximum ₹10 lakh
Eligible customer and geography	An individual undertaking non-farm entrepreneurial activity across India
Existing credit-card exclusion	Not eligible if already issued , BACC, BWCC, LUCC, or another credit card; consumption-only cards are excepted
Pricing	Repo/-linked regulatory pricing varies by limit and Micro/Small class; see the linked full rate table. is 7.90% and 0.25% effective 6 December 2025
Margin	20% for working-capital, term-loan, demand-loan and non-fund-based facilities; 25% for land and building
Period	Term/demand loan: up to 84 months with 12-month moratorium. Working capital: 12 months subject to annual review
Fees	Conditional working-capital and term/demand processing/review rates, plus separate / tariffs, are preserved in the linked current Bank of Baroda charge tables; charges depend on facility, amount, risk rating, tenor and other stated conditions

The linked fee schedules apply only when their facility and conditions match; they are not all automatically charged to every cardholder.
The official shared application remains unread. No separate collateral value is asserted; the page's margin percentages are not collateral terms.

Baroda General Credit Card — Bank of Baroda · Features; Interest Rates & Charges; — Limit, Eligibility, Margin and Period, lines 138–173 · accessed 27 Sept 2026Open official source ↗

Baroda General Credit Card

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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