Business, & agriculture finance

Bill/Invoice Discounting Under Value Chain Finance

Bank of Baroda provides easy value chain finance to eligible vendors of investment grade corporates with a good financial standing. Apply now and get the best in class loan in Value Chain Services.

PricingCompetitive pricing linked to BRLLR/Repo rate/MCLR.Customer typeInvestment-grade anchor manufacturing or service enterprises (excluding gems and jewellery, agriculture-based, real estate and NBFC activities) and their eligible vendors/suppliers or sub-vendors recommended by the anchor.CollateralThe vendor benefit is described as a low/no security or guarantee requirement. The page does not publish the exact security waiver conditions, charge structure or collateral schedule; those depend on the anchor programme and sanction.

Official product page ↗Compare category

✓ Manually checked 29 Sept 2026 · active

Bill/Invoice Discounting Under Value Chain Finance 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.

Value-chain financeBill/invoice discounting for eligible vendors and sub-vendors supplying investment-grade anchor corporates, providing finance with reduced or no collateral requirements.View source

The official page describes vendor finance against investment-grade anchor corporates.

Source: Bill/Invoice Discounting Under Value Chain Finance
Page / section: Features — Purpose / Target Customers
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Anchor and vendor thresholdsLarge manufacturers/service providers: turnover ₹200–₹2,000 crore, external rating BBB or higher, positive operating profit for at least 3 years and minimum 5-year establishment. Small manufacturers/service providers or sub-vendors: turnover ₹50–₹200 crore, positive operating profit for at least 2 years, minimum 3-year establishment and CMR 1–5.View source

The official eligibility terms publish turnover, rating, profitability and vintage bands.

Source: Bill/Invoice Discounting Under Value Chain Finance
Page / section: — Anchor Eligibility
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Finance periodFinance is provided for 90 days.View source

The official page publishes the 90-day finance period.

Source: Bill/Invoice Discounting Under Value Chain Finance
Page / section: Features — Finance Period
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Margin10% of bill/invoice amount.View source

The official publishes the invoice margin.

Source: Bill/Invoice Discounting Under Value Chain Finance
Page / section: — Margin
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

PricingCompetitive pricing linked to BRLLR/Repo rate/MCLR.View source

The official pricing section identifies the linked-rate benchmarks without a fixed rate.

Source: Bill/Invoice Discounting Under Value Chain Finance
Page / section: Interest Rates and Charges
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Customer typeInvestment-grade anchor manufacturing or service enterprises (excluding gems and jewellery, agriculture-based, real estate and NBFC activities) and their eligible vendors/suppliers or sub-vendors recommended by the anchor.View source

The Target Clients section lists manufacturing/services anchors with the stated exclusions and all vendors/suppliers recommended by the anchor.

Source: Bill/Invoice Discounting Under Value Chain Finance
Page / section: Features — Target Clients
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Turnover / rating / vintageLarge manufacturer/service-provider anchors: turnover ₹200 crore to ₹2,000 crore, external credit rating BBB or above, positive operating profitability for at least 3 years and at least 5 years established. Small manufacturer/service-provider anchors or sub-vendors: turnover ₹50 crore to ₹200 crore, positive operating profitability for at least 2 years, at least 3 years established and CMR rating 1–5.View source

The official section publishes both large-anchor and small-anchor/sub-vendor turnover bands, profitability years, establishment years and rating requirements.

Source: Bill/Invoice Discounting Under Value Chain Finance
Page / section: Most Important Terms & Conditions — eligibility criteria for anchor
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

CollateralThe vendor benefit is described as a low/no security or guarantee requirement. The page does not publish the exact security waiver conditions, charge structure or collateral schedule; those depend on the anchor programme and sanction.View source

The official Benefits to Vendor section says low/no security/guarantee requirement, without specifying the conditions or instruments.

Source: Bill/Invoice Discounting Under Value Chain Finance
Page / section: Benefits to Vendor; Complete page reviewed
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsThe product is presented through Bank of Baroda's India MSME banking channel. No state, district, branch or territorial restriction is published; actual availability follows anchor onboarding, branch capability and sanction.View source

The official page publishes no narrower geographic condition.

Source: Bill/Invoice Discounting Under Value Chain Finance
Page / section: Complete page reviewed
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Published benefitsAnchors receive better vendor-price negotiation, uninterrupted raw-material supply and stronger value-chain relationships. Vendors receive hassle-free finance at attractive terms, low/no security or guarantee requirements and higher quantum because margin is lower than the conventional route.View source

The Benefits sections list the complete anchor and vendor benefits.

Source: Bill/Invoice Discounting Under Value Chain Finance
Page / section: Benefits to Anchor; Benefits to Vendor
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

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

Open official source ↗

Benefits and features

Bill/invoice discounting for eligible vendors and sub-vendors supplying investment-grade anchor corporates, providing finance with reduced or no collateral requirements.

Eligibility

Large manufacturers/service providers: turnover ₹200–₹2,000 crore, external rating BBB or higher, positive operating profit for at least 3 years and minimum 5-year establishment. Small manufacturers/service providers or sub-vendors: turnover ₹50–₹200 crore, positive operating profit for at least 2 years, minimum 3-year establishment and 1–5.

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

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.

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.

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.

TableTermChoose column

Target sector · Large anchorManufacturing/services, excluding gems and jewellery, agriculture-based, real estate and activities

This value is copied from Value Chain Finance — published eligibility, margin and tenor. Check the table notes before relying on it.

Source: Bill/Invoice Discounting Under Value Chain Finance · Features; Interest Rates & Charges; Tenor; Most Important Terms & Conditions 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 · 3 columnsValue Chain Finance — published eligibility, margin and tenorComplete structured capture of the official product page's target clients, rating/vintage thresholds and finance terms.View tableHide table

Scroll sideways to view every column

Value Chain Finance — published eligibility, margin and tenor
Term	Large anchor	Small anchor or sub-vendor
Target sector	Manufacturing/services, excluding gems and jewellery, agriculture-based, real estate and activities	Manufacturer/service provider or sub-vendor recommended by anchor
Turnover	₹200 crore to ₹2,000 crore	₹50 crore to ₹200 crore
Rating	External BBB or above	1–5
Positive operating profitability	At least 3 years	At least 2 years
Business establishment	At least 5 years	At least 3 years
Purpose	Discounting bills/invoices drawn by vendors on corporates	Discounting bills/invoices drawn by vendors on corporates
Tenor	Up to 90 days	Up to 90 days
Margin	10% of bill/invoice amount	10% of bill/invoice amount
Security/guarantee	Programme and sanction terms apply	Low/no requirement advertised; exact waiver conditions not published
Rate	Linked to /Repo-linked /	Linked to /Repo-linked /

The page does not publish a numeric facility amount, fee schedule, collateral instruments, document checklist or geographic restriction.

Bill/Invoice Discounting Under Value Chain Finance · Features; Interest Rates & Charges; Tenor; Most Important Terms & Conditions · accessed 30 Aug 2026Open official source ↗

Table 2 · 14 rows · 3 columnsValue Chain Finance — current eligibility, pricing and marginStructured transcription of all decision-useful terms published on the current official page.View tableHide table

Scroll sideways to view every column

Value Chain Finance — current eligibility, pricing and margin
Term	Large anchor	Small anchor or sub-vendor
Purpose	Easy finance to eligible vendors/sub-vendors of investment-grade corporates by discounting bills/invoices drawn on those corporates.	The same vendor/sub-vendor invoice-discounting purpose applies.
Target sector	Manufacturing/services enterprises; excludes gems and jewellery, agriculture-based, real-estate and activities.	All vendors/suppliers recommended by the anchor, including eligible sub-vendors.
Turnover	Minimum ₹200 crore and maximum ₹2,000 crore as per last ABS.	Minimum ₹50 crore and maximum ₹200 crore as per last ABS.
Rating	External credit rating BBB or above.	rating from 1 to 5.
Positive operating profitability	At least the last three years.	At least the last two years.
Business establishment	At least five years.	At least three years.
Finance period	Up to 90 days.	Up to 90 days.
Margin	10% of bill/invoice amount.	10% of bill/invoice amount.
Rate	Linked to /Repo-rate-linked and ; no numeric rate published.	Linked to /Repo-rate-linked and ; no numeric rate published.
Security / guarantee	The page advertises low/no security or guarantee for vendors; exact programme and sanction conditions are not published.	The page advertises low/no security or guarantee; exact waiver conditions are not published.
Facility amount	No numeric minimum or maximum published; page only says lower margin can provide higher quantum than the conventional route.	No numeric minimum or maximum published; appraisal and programme limits apply.
Fees	No product-specific fee schedule published.	No product-specific fee schedule published.
Documents	The shared commercial-loan checklist is recorded separately; no product-specific checklist is linked.	The shared commercial-loan checklist is recorded separately; no product-specific checklist is linked.
Benefits	Better vendor-price negotiation, uninterrupted raw-material supply and stronger value-chain relationships.	Hassle-free finance at attractive terms, low/no security or guarantee and higher quantum from lower margin.

ABS is the page’s abbreviation for audited balance sheet; the page does not publish a date for the thresholds.
The existing official image was already retrieved, visually checked and optimized; it is reused unchanged.
No separate product , amount cap, fee tariff or collateral schedule was linked on the current page.

Bill/Invoice Discounting Under Value Chain Finance — current Bank of Baroda page · Benefits; Features; Interest Rates & Charges; Tenor; · accessed 29 Sept 2026Open official source ↗

Bill/Invoice Discounting Under Value Chain Finance

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

Related products

Animal Husbandry Infrastructure Development fund (AHIDF)

Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme

Baroda Arogyadham Loan

Baroda Artisans Credit Card