Business, & agriculture finance

Baroda Loan Pack

Apply for loan & financing solutions for your business. Check loan interest rates, eligibility & schemes available in India though Baroda Loan Pack.

Composite limitUp to 4.5 times the borrower's tangible net worth in the last audited balance sheet, capped at ₹10 crore; the lower amount applies.RateThe Bank publishes conditional rate formulas, not a single Loan Pack rate. Regulatory limits through ₹25 lakh use BRLLR + Strategic Premium (SP), with the exact spread varying by limit and micro/small/medium class; non-regulatory limits through ₹25 lakh use MCLR + SP + 2.75%. Above ₹25 lakh to ₹7.50 crore, rates follow the CMR and hard-security matrix. For loans above ₹7.50 crore, the published composite-rating matrix applies; within this product's ₹10 crore cap, only the ₹7.50 crore–₹10 crore band can fall there. Total exposure above ₹5 crore or turnover above ₹25 crore is treated as corporate exposure and follows the published rating-based Base Rate/MCLR schedules. The current page lists BRLLR at 7.90% p.a. and SP at 0.25%; MCLR/Base Rate references are shown separately in the product table. Final pricing still depends on applicable exposure band, regulatory status, rating, security, benchmark and sanction.Customer typeRegulatory and expanded MSMEs that deal exclusively with Bank of Baroda.

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✓ Manually checked 27 Sept 2026 · active

Baroda SME Loan Pack 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.

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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EligibilityFor micro, small and medium enterprises under the Bank's regulatory or expanded classifications. The borrower must deal exclusively with Bank of Baroda.View source

The current official Eligibility section states: in regulation and expanded; borrower to deal exclusively with .

Source: Baroda Loan Pack — Bank of Baroda
Page / section: Terms and Conditions — Eligibility
Accessed: 27 Sept 2026
Confidence: high

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Customer typeRegulatory and expanded MSMEs that deal exclusively with Bank of Baroda.View source

The current official Eligibility section states that regulatory and expanded qualify and the borrower must deal exclusively with .

Source: Baroda Loan Pack — Bank of Baroda
Page / section: Terms and Conditions — Eligibility
Accessed: 27 Sept 2026
Confidence: high

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Purpose and deliveryWorking-capital funding, both fund-based and non-fund-based, and business capital expenditure within the sanctioned composite limit.View source

The page permits working capital (fund-based and non-fund-based) and capital expenditure related to the borrower's business within the overall sanctioned composite limit.

Source: Baroda Loan Pack — Bank of Baroda
Page / section: Terms and Conditions — Purpose and Delivery of Product
Accessed: 27 Sept 2026
Confidence: high

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Composite limitUp to 4.5 times the borrower's tangible net worth in the last audited balance sheet, capped at ₹10 crore; the lower amount applies.View source

The current official clause gives 4.5 times tangible net worth as per the last audited balance sheet or ₹10 crore, whichever is lower.

Source: Baroda Loan Pack — Bank of Baroda
Page / section: Terms and Conditions — Composite Limit
Accessed: 27 Sept 2026
Confidence: high

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Term-loan periodTerm-loan period: up to 7 years.View source

The current page sets the maximum period for a term loan at 7 years; it does not assign this tenure to every working-capital facility.

Source: Baroda Loan Pack — Bank of Baroda
Page / section: Terms and Conditions — Period for TL
Accessed: 27 Sept 2026
Confidence: high

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Margin25% on all facilities.View source

The current page states a 25% margin on all the facilities.

Source: Baroda Loan Pack — Bank of Baroda
Page / section: Terms and Conditions — Margin
Accessed: 27 Sept 2026
Confidence: high

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Facility typesFund-based short- or long-term facilities and non-fund-based facilities, as required by the borrower and within the sanctioned composite limit.View source

The page says the facility may be fund-based (short or long term) or non-fund-based according to borrower requirements within the composite limit.

Source: Baroda Loan Pack — Bank of Baroda
Page / section: Terms and Conditions — Delivery of Product
Accessed: 27 Sept 2026
Confidence: high

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Turnover classificationFor the regulatory MSME lane, annual turnover excluding export sales is capped at ₹10 crore for micro, ₹100 crore for small and ₹500 crore for medium enterprises. The SME Loan Pack also names the Bank's expanded MSME category, but its product page does not give that category's turnover band or a separate minimum turnover/business-vintage rule.View source

The reviewed classification table publishes the current regulatory turnover ceilings and excludes export sales. The current Loan Pack page separately names regulatory and expanded but gives no expanded-category threshold, minimum turnover or business-vintage condition.

Source: Loan — Bank of Baroda classification table
Page / section: Displayed revised classification table; product-specific eligibility checked on Loan Pack page
Accessed: 26 Sept 2026
Confidence: high

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RateThe Bank publishes conditional rate formulas, not a single Loan Pack rate. Regulatory limits through ₹25 lakh use BRLLR + Strategic Premium (SP), with the exact spread varying by limit and micro/small/medium class; non-regulatory limits through ₹25 lakh use MCLR + SP + 2.75%. Above ₹25 lakh to ₹7.50 crore, rates follow the CMR and hard-security matrix. For loans above ₹7.50 crore, the published composite-rating matrix applies; within this product's ₹10 crore cap, only the ₹7.50 crore–₹10 crore band can fall there. Total exposure above ₹5 crore or turnover above ₹25 crore is treated as corporate exposure and follows the published rating-based Base Rate/MCLR schedules. The current page lists BRLLR at 7.90% p.a. and SP at 0.25%; MCLR/Base Rate references are shown separately in the product table. Final pricing still depends on applicable exposure band, regulatory status, rating, security, benchmark and sanction.Effective 6 Dec 2025View source

The product page links the Loan Pack to repo/ pricing and caps the total composite limit at 4.5× tangible net worth or ₹10 crore, whichever is lower. The official rate page supplies the conditional limits, ratings, security and corporate-exposure schedules. The Bank's separate current benchmark page provides /Base Rate references but does not establish one reset tenor for this customer's formula.

Source: Loan Interest Rates — Bank of Baroda
Page / section: Regulatory/non-regulatory matrices; corporate rating formulas and threshold; context
Accessed: 27 Sept 2026
Confidence: high

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Fees and chargesWorking-capital processing: nil up to ₹25,000; above that, fresh/review is 0.20% for CMR 1–2, 0.30% for CMR 3–4, 0.35% for CMR 5, 0.40% for CMR 6 or 1.00% for CMR 7 and below; caps are ₹35 lakh for priority-sector borrowers and ₹17.50 lakh for exporters, with no cap for other advances. For term/DL/TL/DPG loans over 1 year: nil up to ₹25,000; above ₹25,000 to ₹1 crore, 1% of sanctioned limit; above ₹1 crore, 0.50% (CMR 1–2), 0.85% (CMR 3–4), 1.00% (CMR 5), 1.10% (CMR 6) or 2.00% (CMR 7 and below); priority/exporter caps are ₹100 lakh/₹50 lakh, and other advances have no cap. Term-loan review is 0.10% without cap; annual review is 0.10% for the listed short-term/DL/corporate/TL/DPG facilities. The tariff also publishes utilisation-based commitment charges and other event-based charges in the product table. All charges exclude GST; only a tariff row matching the sanctioned facility and event applies.Effective 3 May 2024View source

The current published tariff gives separate FB/NFB working-capital and over-one-year term/DL/TL/DPG processing rules, review charges and commitment charges. The Loan Pack permits those facility types. The complete schedule is attached as a product-page table; a listed fee is not assumed to apply unless its conditions match. is extra.

Source: Annexure II — advances service charges — Bank of Baroda
Page / section: Annexure II — rows 1(A), 1(B), 1(D) and 1(F); complete conditional fee table
Accessed: 27 Sept 2026
Confidence: high

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Commitment chargesFund-based facilities: no commitment charge when annual average utilisation is at least 60%. Below 60%, the tariff charges customers submitting QIS statements 0.75% on the unused portion measured against 60% of the limit, and customers not submitting QIS statements 0.50% on the unused portion measured against the total limit; recover proportionately on account closure. Non-fund-based facilities of ₹1 crore or more may incur 0.25% per year on unused limits; no separate charge applies where average utilisation is at least 60% or as indicated in the QIS statement. GST is extra.Effective 3 May 2024View source

The published tariff states the annual utilisation threshold and separate QIS/non-QIS calculation bases for funded facilities, then sets a separate ₹1 crore threshold and unused-limit charge for non-funded facilities. It excludes .

Source: Annexure II — advances service charges — Bank of Baroda
Page / section: Annexure II — row 1(F), funded and non-funded commitment charges
Accessed: 27 Sept 2026
Confidence: high

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CollateralFor loans to micro and small enterprises covered under the CGTMSE guarantee, Bank of Baroda says no collateral security or third-party guarantee is required. For accounts not covered under CGTMSE, the Bank may stipulate collateral under its guidelines. The published rule is conditional; it is not a blanket collateral-free promise for every SME Loan Pack facility.View source

The official says no collateral/third-party guarantee for Micro & Small Enterprise loans covered under , while other accounts not covered under may have collateral stipulated under Bank guidelines.

Source: Loans and Advances — Bank of Baroda
Page / section: — Is collateral security required?, lines 675–680
Accessed: 29 Sept 2026
Confidence: high

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Benefits and features

Working-capital finance, both fund-based and non-fund-based, plus capital expenditure within the sanctioned composite limit. Facilities may be short- or long-term fund-based or non-fund-based according to borrower requirements.

Eligibility

in regulatory and expanded classifications
the borrower must deal exclusively with Bank of Baroda.

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₹13,554thirteen thousand five hundred fifty-four rupees

Interest paid over the full loan₹7,52,998seven lakh fifty-two thousand nine hundred ninety-eight rupees

Everything you repay₹32,52,998thirty-two lakh fifty-two thousand nine hundred ninety-eight 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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TableTerm

Eligibility · Published conditionRegulatory and expanded ; borrower must deal exclusively with Bank of Baroda

This value is copied from Baroda Loan Pack — published terms. Check the table notes before relying on it.

Source: Baroda Loan Pack · Terms and Conditions; Interest Rates & 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 · 8 rows · 2 columnsBaroda SME Loan Pack — published termsComplete structured capture of the official Terms and Conditions and Interest Rates & Charges sections.View tableHide table