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Baroda Overdraft for E-commerce Business (Amazon/Flipkart)

Bank of Baroda is providing E Commerce loans/finance to meet the working capital needs of merchants engaged in online selling through e-retailers. Click to know more!

RateBRLLR + 2.35% strategic premium.Maximum amountClean overdraft facility from ₹5,00,000 to ₹25,00,000, with the limit assessed from Amazon/Flipkart turnover.Tenure12-month overdraft with a running limit, subject to review after 12 months; platform payments are routed to the loan account and monthly interest must be serviced.
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Quick eligibility check

Baroda Overdraft for E-commerce Business (Amazon/Flipkart)

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Active Amazon or Flipkart sellers with at least six months’ platform/business relationship?

Published source: Customer type / eligibility

2Does your annual turnover meet this requirement: turnover assessment uses platform sales and the facility is for working-capital procurement, manufacturing, processing and receivables?

Published source: Customer type / eligibility

3Do you meet this requirement: Active Amazon or Flipkart seller with at least six months of platform/business relationship?

Published source: Minimum income / trading history

4Does your annual turnover meet this requirement: the limit is assessed from platform turnover and sales rather than a published salary threshold?

Published source: Minimum income / trading history

5Do you meet this requirement: Sellers must be active on the Amazon or Flipkart platform and have at least 6 months of platform/business relationship?

6Document checkDo you have this required document or proof: Proprietorship: 6-month bank statement, GST certificate and proprietor PAN card?

Published source: Minimum income / trading history

7Document checkDo you have this required document or proof: Partnership/LLP: bank statement, GST certificate, firm PAN, PAN of partners and partnership deed?

Published source: Minimum income / trading history

8Document checkDo you have this required document or proof: Private limited company: 6-month bank statement, GST certificate, firm PAN and director PAN?

Published source: Minimum income / trading history

9Document checkDo you have this required document or proof: Business-address proof when registered and business addresses differ?

Published source: Minimum income / trading history
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 15 Aug 2026 · active
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.

Customer type / eligibilityActive Amazon or Flipkart sellers with at least six months’ platform/business relationship; turnover assessment uses platform sales and the facility is for working-capital procurement, manufacturing, processing and receivables.View source
The official page publishes platform, relationship and working-capital criteria.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Features / Eligibility
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Facility amount₹5 lakh to ₹25 lakh clean overdraft, with limit assessed from Amazon/Flipkart turnover.View source
The official feature table publishes the ₹5–25 lakh limit band.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Features — Limit
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
RateBRLLR + 2.35% strategic premium.View source
The official product page states plus a 2.35% strategic premium.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Interest rate and facility terms
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Tenure12-month overdraft with a running limit, subject to review after 12 months; platform payments are routed to the loan account and monthly interest must be serviced.View source
The official page describes a 12-month running overdraft subject to annual review.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Repayment and facility period
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
FeesManagement fee 1.35% + GST per year of overdraft limit; inspection ₹1,000 per visit plus actual conveyance/out-of-pocket expenses. Stamp duty and eligible CGTMSE annual/renewal fees are extra.View source
The official fee section publishes management and inspection charges and identifies pass-through costs.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Fees & Charges /
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
SecurityCollateral-free facility; hypothecation of platform receivables and stock held with Amazon/Flipkart logistics or in the merchant’s godown.View source
The official page states collateral-free lending and the primary hypothecation security.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Features / — Security
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Platform assessmentLimit assessment is based on Amazon/Flipkart turnover and sales; Flipkart identifies eligible sellers from their track record.View source
The official page describes platform turnover assessment and seller selection.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Features — Assessment and Target group
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PurposeWorking capital for procurement, manufacturing, processing, trading and receivables arising from the Amazon/Flipkart platform.View source
The product page states the permitted working-capital uses.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Features — Purpose
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Management fee1.35% plus GST per year of the overdraft limit.View source
The official fee section publishes the annual management fee.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Fees & Charges — Management fee
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Inspection charge₹1,000 per visit plus actual conveyance and out-of-pocket expenses.View source
The fee section publishes the inspection charge and pass-through expenses.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Fees & Charges — Inspection charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Documentation chargesActual stamp charges for documentation and other applicable charges are borne by the applicant under state stamp-duty rules.View source
The states that actual stamp charges and applicable documentation costs are borne by the applicant.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
— Documentation charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
CGTMSE feeAnnual or renewal CGTMSE fees, where applicable, are borne by the merchant.View source
The identifies the merchant's responsibility for eligible fees.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
— fee
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Repayment / servicingThe overdraft has a running limit reviewed after 12 months. Amazon/Flipkart payments are transferred to the loan account; if they do not cover monthly interest, the borrower must deposit the shortfall at month-end.View source
The explains the running limit, platform-payment routing and monthly interest servicing.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
— Repayment
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Security detailsNo collateral is required; receivables from the platform and stock held under Amazon/Flipkart logistics or in the merchant's godown are hypothecated.View source
The official distinguishes collateral-free lending from hypothecation of receivables and stock.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
— Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Loan typeBusiness overdraft for Amazon and Flipkart e-commerce sellersView source
The official product title identifies an e-commerce business overdraft for Amazon and Flipkart sellers.
Source
Baroda Overdraft for E-commerce Business — official page
Page / section
Product title and overview
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
BenchmarkBRLLR, with a 2.35% strategic premium.View source
The product page defines the rate as plus the published strategic premium.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Interest rate and facility terms
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountClean overdraft facility from ₹5,00,000 to ₹25,00,000, with the limit assessed from Amazon/Flipkart turnover.View source
The page publishes a ₹5 lakh–₹25 lakh clean overdraft range and turnover-based assessment.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)
Page / section
Facility amount and eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum income / trading historyActive Amazon or Flipkart seller with at least six months of platform/business relationship; the limit is assessed from platform turnover and sales rather than a published salary threshold.View source
The page requires sellers to have at least six months of business relationship on Amazon/Flipkart and describes turnover-based assessment; it does not publish a salary/income amount.
Source
Baroda Overdraft for E-commerce Business (Amazon/Flipkart) — current official product page
Page / section
Eligibility; Features — Target group and assessment
Accessed
29 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Online application and sanction.
  • No branch visit required.
  • Reduced turnaround time and paperless sanction.
  • No burden because the facility is an overdraft.
  • Turnover-based credit limits.
  • Collateral-free credit facility.
  • Supports new-to-credit customers subject to assessment.

Eligibility

  • Sellers must be active on the Amazon or Flipkart platform and have at least 6 months of platform/business relationship.
  • Flipkart identifies eligible sellers from their track record; limits are assessed from platform turnover and sales.
  • The facility is for working-capital procurement, manufacturing, processing, trading and platform receivables.
  • The overdraft runs for 12 months and is reviewed after 12 months; platform receipts are routed to the loan account and must service monthly interest.
  • Collateral is not required, but platform receivables and stock under logistics or in the merchant's godown are hypothecated.

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

Documents the bank lists

  • Proprietorship: 6-month bank statement, certificate and proprietor card.
  • Partnership/: bank statement, certificate, firm , of partners and partnership deed.
  • Private limited company: 6-month bank statement, certificate, firm and director .
  • Business-address proof when registered and business addresses differ.
  • Stamp-duty and documentation papers required under the bank's state-specific rules.

Related official documents

Baroda Overdraft for E-commerce Business (Amazon/Flipkart) — current official product pageofficial-product-page · current · accessed 29 Sept 2026
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Baroda Overdraft for E-commerce Business — official pageofficial-product-page · current · accessed 29 Aug 2026
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Bank of Baroda service charges — retail processing and prepayment scheduleofficial-service-charge-page · current · accessed 29 Aug 2026
↗
Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 2026
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Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine 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.

Facility · Published detailClean/unsecured overdraft for active Amazon and Flipkart e-commerce sellers

This value is copied from Baroda E-commerce Overdraft — current facility, fees and documents. Check the table notes before relying on it.

Source: Baroda Overdraft for E-commerce Business (Amazon/Flipkart) — current official product page · Features; Eligibility; Fees & Charges; Document Required; ; Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 17 rows · 2 columnsBaroda E-commerce Overdraft — current facility, fees and documentsDecision-useful terms transcribed from the current Amazon/Flipkart seller page; unpublished APR and prepayment values remain separately audited.View tableHide table

Scroll sideways to view every column

Baroda E-commerce Overdraft — current facility, fees and documents
SectionPublished detail
FacilityClean/unsecured overdraft for active Amazon and Flipkart e-commerce sellers
EligibilitySeller on Amazon/Flipkart with at least six months' platform/business relationship; platform assesses eligible sellers from turnover/track record
PurposeWorking capital for procurement, manufacturing, processing, trading and platform receivables
Tenure12-month running overdraft, subject to review after 12 months
Limit₹5,00,000 to ₹25,00,000
Interest2.35% over plus strategic premium
Management fee1.35% + per year of overdraft limit
Inspection₹1,000 per visit plus actual conveyance/out-of-pocket expenses
CollateralNo collateral; receivables and stock hypothecated
DocumentationActual stamp/documentation charges borne by applicant under state rules
Annual/renewal fee borne by merchant where applicable
Proprietorship documentsSix-month bank statement; certificate; proprietor
Partnership/ documentsBank statement; certificate; firm ; partner ; partnership deed
Private limited documentsSix-month bank statement; certificate; firm ; director
Address documentBusiness-address proof if registered and business addresses differ
RepaymentPlatform receipts routed to loan account; borrower services monthly interest shortfall
Application routeLender portal supplied through Amazon/Flipkart platform
  • The current page does not publish or a product-specific prepayment/foreclosure charge.
Baroda Overdraft for E-commerce Business (Amazon/Flipkart) — current official product page · Features; Eligibility; Fees & Charges; Document Required; ; · accessed 29 Sept 2026Open official source ↗

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