Business, & agriculture finance

Baroda Gold Card

Facility limitWorking-capital limit equal to 10% of assessed MPBF.Interest rateAs per credit rating and the rate applicable to cash credit.EligibilityFor MSMEs under the regulatory definition and SMEs under the expanded definition with annual sales turnover up to ₹250 crore. Existing accounts must have remained standard for 2 years, have a BoB-5-or-better obligor rating and working-capital limits of at least ₹25 lakh. For takeover accounts, the same rating and working-capital minimum apply, no deviation from takeover norms is allowed, and eligibility begins only after 1 year with Bank of Baroda. Under both routes, the account must have sole banking with the bank and no major inspection irregularities.

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✓ Manually checked 11 Sept 2026 · active

Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

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EligibilityFor MSMEs under the regulatory definition and SMEs under the expanded definition with annual sales turnover up to ₹250 crore. Existing accounts must have remained standard for 2 years, have a BoB-5-or-better obligor rating and working-capital limits of at least ₹25 lakh. For takeover accounts, the same rating and working-capital minimum apply, no deviation from takeover norms is allowed, and eligibility begins only after 1 year with Bank of Baroda. Under both routes, the account must have sole banking with the bank and no major inspection irregularities.View source

The current page gives separate existing-account and takeover-account criteria; states sole banking is required for both and bars accounts with major inspection irregularities.

Source: Baroda Gold Card
Page / section: Terms and Conditions — Eligibility and Notes
Accessed: 26 Sept 2026
Confidence: high

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Facility limitWorking-capital limit equal to 10% of assessed MPBF.View source

The official terms state the facility limit is 10% of assessed .

Source: Baroda Gold Card
Page / section: Terms and Conditions — Limit
Accessed: 22 Aug 2026
Confidence: high

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Interest rateAs per credit rating and the rate applicable to cash credit.View source

The official rate section ties pricing to credit rating and cash-credit pricing.

Source: Baroda Gold Card
Page / section: Interest Rates & Charges
Accessed: 22 Aug 2026
Confidence: high

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SecurityCharge on current assets, extension of fixed-asset charge where stipulated, directors’ personal guarantee and collateral security as available for other facilities.View source

The official security section lists current/fixed-asset charge, personal guarantee and collateral.

Source: Baroda Gold Card
Page / section: Terms and Conditions — Security
Accessed: 22 Aug 2026
Confidence: high

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Facility use and tenure12-month facility; up to four drawals per year, each for no more than two months, with at least 15 days between drawalsView source

The official publishes the facility term, drawal frequency, duration and spacing.

Source: Baroda Gold Card
Page / section: — Validity and operation
Accessed: 22 Aug 2026
Confidence: high

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Turnover / vintageFor MSMEs under the regulatory definition and SMEs under the expanded definition with annual sales turnover up to ₹250 crore. Existing accounts must have remained standard for 2 years, have a BoB-5-or-better obligor rating and working-capital limits of at least ₹25 lakh. For takeover accounts, the same rating and working-capital minimum apply, no deviation from takeover norms is allowed, and eligibility begins only after 1 year with Bank of Baroda. Under both routes, the account must have sole banking with the bank and no major inspection irregularities.View source

The manually reviewed product record states: “For under the regulatory definition and under the expanded definition with annual sales turnover up to ₹250 crore. Existing accounts must have remained standard for 2 years, have a BoB-5-or-better obligor rating and working-capital limits of at least ₹25 lakh. For takeover accounts, the same rating and working-capital minimum apply, no deviation from takeover norms is allowed, and eligibility begins only after 1 year with Bank of Baroda. Under both routes, the account must have sole banking with the bank and no major inspection irregularities.”.

Source: Baroda Gold Card — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

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Working-capital processing feeFor this working-capital facility, the Bank's FB/NFB working-capital processing tariff is nil up to ₹25,000. Above ₹25,000, fresh sanction/review charges are 0.20% (CMR 1–2), 0.30% (CMR 3–4), 0.35% (CMR 5), 0.40% (CMR 6) or 1.00% (CMR 7 and below). Caps are ₹35 lakh for priority-sector advances and ₹17.50 lakh for exporters; other advances have no cap. Applicable GST is extra. The exact charge depends on rating and borrower/facility classification.Effective 3 May 2024View source

The product page classifies Baroda Gold Card as working capital and says charges follow cash-credit applicability. The current service-charge page lists the matching FB/NFB working-capital tariff by charge amount and ; it excludes . No individual , priority/export classification or sanctioned amount is assumed.

Source: Service Charges — Bank of Baroda advances
Page / section: Annexure II — advances, row 1(A); product page — Nature of Facility and Interest Rates & Charges
Accessed: 26 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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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₹21,696twenty-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.

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Charge / 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 ↗

Baroda Gold Card

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What the official sources publish

Related official documents

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Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Animal Husbandry Infrastructure Development fund (AHIDF)

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