Business, & agriculture finance

Baroda Property Pride

Baroda Property Pride offers funding options to those who trade in physical commodities. Without violating any laws or public interests, gain access to financial support for legitimate & community-relevant businesses.

Maximum limit by borrower grade and lending-centre categoryCMR 1–3: ₹2 crore rural, ₹7.5 crore semi-urban, ₹15 crore urban and ₹25 crore metro. Other eligible borrowers: ₹1 crore, ₹5 crore, ₹10 crore and ₹15 crore respectively. The Bank states that limits may vary based on CIBIL Rank.Interest rate and published pricing formulasThe product page links pricing to Repo/MCLR. BOB publishes limit-, borrower-class- and rating-dependent MSME formulas: regulatory rates through ₹25 lakh; CMR/hard-security ranges above ₹25 lakh to ₹7.50 crore; and composite-rating formulas above ₹7.50 crore (within Property Pride's ₹25 crore maximum). Total exposure above ₹5 crore or turnover above ₹25 crore is treated as corporate exposure, with separate MCLR spreads. Current references: BRLLR 7.90% p.a. effective 6 December 2025, Strategic Premium 0.25%, Repo 5.25%; MCLR benchmarks range from 7.85% overnight to 8.75% for one year effective 12 September 2026. The scheme page does not specify the borrower's applicable category, rating, security coverage, sanctioned exposure or MCLR reset tenor, so no single rate is selected.Customer typeIndividuals and units trading physical commodities or goods required by the community, where the trade is lawful and not contrary to public interest.

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✓ Manually checked 11 Sept 2026 · active

Baroda Property Pride 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.

Customer typeIndividuals and units trading physical commodities or goods required by the community, where the trade is lawful and not contrary to public interest.View source

The official overview describes eligible commodity/goods traders and lawful-purpose requirement.

Source: Baroda Property Pride
Page / section: Overview / Terms
Accessed: 22 Aug 2026
Confidence: high

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Repayment periodTerm-loan repayment may extend to 15 years for loans secured by residential or commercial property and up to 10 years for loans secured by industrial property. The page does not state a separate tenure for overdraft or non-fund-based facilities.View source

The official repayment section publishes 15-year and 10-year maxima by property type.

Source: Baroda Property Pride
Page / section: Repayment Period
Accessed: 30 Aug 2026
Confidence: high

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AgeMinimum 20 years; maximum 65 years at the end of the loan tenure.View source

The current page states minimum age 20 years and maximum age 65 years at the end of the loan tenure.

Source: Baroda Property Pride — official Bank of Baroda page
Page / section: Terms and Conditions — Age Criteria
Accessed: 7 Sept 2026
Confidence: high

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Security typeThe published repayment bands distinguish loans secured by residential or commercial property from loans secured by industrial property; a complete security schedule is not published.View source

The page publishes separate repayment limits for residential/commercial property and industrial property security.

Source: Baroda Property Pride — official Bank of Baroda page
Page / section: Terms and Conditions — Repayment Period
Accessed: 7 Sept 2026
Confidence: high

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Term-loan limit formulaTerm-loan amount is less than five times the average cash accrual of the last two years or the advance value of the property, whichever is lower.View source

The official page limits the term loan by five times the last two years' average cash accrual or the advance value of the property, whichever is lower.

Source: Baroda Property Pride — official Bank of Baroda page
Page / section: Terms and Conditions — Term Loan
Accessed: 7 Sept 2026
Confidence: high

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Shop-development sub-limitFor shop development, the term loan may be up to 25% of the overdraft limit.View source

The current terms table states a maximum of 25% of the overdraft limit for shop development.

Source: Baroda Property Pride — official Bank of Baroda page
Page / section: Terms and Conditions — TL (For Shop Development)
Accessed: 7 Sept 2026
Confidence: high

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Facility typesOverdraft (general or reducing), term loan and non-fund-based facilities.View source

The current official page lists Overdraft – General / Overdraft-Reducing / Term Loan / Non Fund based facility.

Source: Baroda Property Pride
Page / section: Terms and Conditions — Nature of Facility
Accessed: 26 Sept 2026
Confidence: high

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The page publishes two borrower-grade rows across rural, semi-urban, urban and metro locations and states that limits may vary based on Rank.

Source: Baroda Property Pride — official product page
Page / section: Terms and Conditions — Maximum limit and Rank note
Accessed: 27 Sept 2026
Confidence: high

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Location-based limit categoriesMaximum limits vary by lending-centre category: rural, semi-urban, urban and metro.View source

The official maximum-limit table has separate Rural, Semi-Urban, Urban and Metro columns.

Source: Baroda Property Pride — official product page
Page / section: Terms and Conditions — Maximum limit table
Accessed: 27 Sept 2026
Confidence: high

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Interest rate and published pricing formulasThe product page links pricing to Repo/MCLR. BOB publishes limit-, borrower-class- and rating-dependent MSME formulas: regulatory rates through ₹25 lakh; CMR/hard-security ranges above ₹25 lakh to ₹7.50 crore; and composite-rating formulas above ₹7.50 crore (within Property Pride's ₹25 crore maximum). Total exposure above ₹5 crore or turnover above ₹25 crore is treated as corporate exposure, with separate MCLR spreads. Current references: BRLLR 7.90% p.a. effective 6 December 2025, Strategic Premium 0.25%, Repo 5.25%; MCLR benchmarks range from 7.85% overnight to 8.75% for one year effective 12 September 2026. The scheme page does not specify the borrower's applicable category, rating, security coverage, sanctioned exposure or MCLR reset tenor, so no single rate is selected.Effective 6 Dec 2025View source

The product page states Repo/-linked pricing; the bank rate pages publish conditional formulas and current references. Product eligibility/rating/security inputs needed to choose a formula are not stated on the Property Pride page.

Source: Loan Interest Rates — Bank of Baroda
Page / section: Regulatory/non-regulatory limit and rating matrices; corporate exposure conditions; / reference
Accessed: 27 Sept 2026
Confidence: high

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Applicable MSME facility and event chargesFor a matching MSME facility, funded/non-funded working-capital processing is nil up to ₹25,000, then 0.20%–1.00% by CMR. Fresh demand/term/DPG loans over one year are nil up to ₹25,000; above that to ₹1 crore, 1%; above ₹1 crore, 0.50%–2.00% by CMR. Term-loan review is 0.10% without cap. Funded commitment charges depend on annual average utilisation against 60%; unused/under-used non-funded facilities of ₹1 crore or more may incur 0.25% p.a. on the unused amount. The full conditional schedule also lists documentation, inspection, interchangeability, NOC, escrow/TRA, mortgage, modification, revalidation, consortium and document-copy events. GST is extra; no charge is assumed unless its facility, rating, borrower and event conditions match.Effective 3 May 2024View source

The official page lists general/reducing overdraft, term loan and non-fund facilities. The service-charge annexure provides conditional tariffs; product-level terms do not identify the borrower's , priority/export status, annual usage or chargeable event.

Source: Annexure II — Bank of Baroda advances service charges
Page / section: Annexure II — rows 1(A), 1(B), 1(D), 1(F), items 2–12; product page facility types
Accessed: 27 Sept 2026
Confidence: high

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Published term-loan property-security conditionsThe term-loan sizing formula uses the property's advance value, and the repayment period is up to 15 years for loans secured by residential/commercial property or up to 10 years for industrial property. The page lists overdraft and non-fund facilities too, but gives no general security schedule for those facilities.View source

The page ties term-loan sizing to property advance value and publishes different repayment caps by secured property type. The linked application remains unread, so these statements are not a complete collateral schedule.

Source: Baroda Property Pride — official product page
Page / section: Terms — repayment period and term-loan sizing formula
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. The inaccessible facility application remains an open product-specific source gate; this is a shared baseline, not the complete Property Pride checklist.

Source: Loans and Advances — Bank of Baroda commercial-loan
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₹20,756twenty thousand seven hundred fifty-six rupees

Interest paid over the full loan₹24,81,364twenty-four lakh eighty-one thousand three hundred sixty-four rupees

Everything you repay₹49,81,364forty-nine lakh eighty-one thousand three hundred sixty-four 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

Purpose · Published detailNeed-based funding for lawful trade of physical commodities/goods required by the community

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

Source: Baroda Property Pride · Overview; Nature of Facility; Maximum limit; Age Criteria; Repayment Period; Term Loan; Interest Rates and Charges Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 2 columnsBaroda Property Pride — complete published termsStructured capture of the official commodity-trader funding page, including its location-tier limit table.View tableHide table