Business, & agriculture finance

bob Agrofood

LimitAggregate benefits and facilities up to ₹100 crore.RateRate of interest depends on hard-security coverage and the internal credit rating; the page publishes no fixed percentage or benchmark spread.Customer typeFarmers, agricultural enterprises and eligible rural borrowers

Official product page ↗Compare category

✓ Manually checked 29 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

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Eligible unitsNew or existing food and agro-based processing units, including takeovers from other banks. Eligible constitutions include individuals, proprietorships, partnerships, private/public companies and LLPs.View source

The official Agrofood page publishes the processing-sector scope and eligible borrower constitutions.

Source: bob Agrofood
Page / section: Eligibility Criteria
Accessed: 23 Aug 2026
Confidence: high

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FacilitiesTerm loan, demand loan, cash credit, cash credit against warehouse receipt, bank guarantee, letter of credit, BP/BD/SBLC and pre-/post-shipment export credit.View source

The official lists the fund-based and non-fund-based facilities.

Source: bob Agrofood
Page / section: — Nature of facility
Accessed: 23 Aug 2026
Confidence: high

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LimitAggregate benefits and facilities up to ₹100 crore.View source

The official page publishes the ₹100 crore aggregate limit.

Source: bob Agrofood
Page / section: Benefits / — Limit
Accessed: 23 Aug 2026
Confidence: high

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MarginStocks/book debts: 25%; new plant and machinery: 25%; old plant and machinery: 40%; land and building: 30%; 10% cash margin for specified government-authority bank guarantees for custom milling/raw-material procurement.View source

The official feature section publishes asset-specific margins and the specified guarantee margin.

Source: bob Agrofood
Page / section: Features — Margin
Accessed: 23 Aug 2026
Confidence: high

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TenureWorking-capital facilities: 12 months. Term loans: up to 144 months case by case, subject to annual review.View source

The official publishes working-capital and term-loan periods.

Source: bob Agrofood
Page / section: — Period
Accessed: 23 Aug 2026
Confidence: high

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Turnover / vintageNo turnover or operating-vintage threshold is published. The scheme covers new and existing food and agro-based processing units, including takeovers from other banks, with the listed eligible legal constitutions.View source

The eligibility section says new/existing units and takeovers are eligible but publishes no turnover or minimum-vintage number.

Source: bob Agrofood — Bank of Baroda official product page
Page / section: Eligibility Criteria
Accessed: 30 Aug 2026
Confidence: high

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RateRate of interest depends on hard-security coverage and the internal credit rating; the page publishes no fixed percentage or benchmark spread.View source

The official page states is depending on hard security coverage and credit rating, without a numeric rate.

Source: bob Agrofood — Bank of Baroda official product page
Page / section: Features — ; — Rate of Interest
Accessed: 30 Aug 2026
Confidence: high

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CollateralPricing is explicitly linked to hard-security coverage. The page requires security documents and net-worth statements and publishes asset-specific margins: stocks/book debts 25%, new plant and machinery 25%, old plant and machinery 40%, and land/building 30%.View source

The page publishes hard-security coverage as a pricing factor and asset-specific margins, rather than a single collateral ratio.

Source: bob Agrofood — Bank of Baroda official product page
Page / section: Features — Margin; Document Required; — Rate of Interest
Accessed: 30 Aug 2026
Confidence: high

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FeesThe page publishes various concessions on charges, including processing and documentation charges, but no fixed rupee amount or percentage.View source

The official fees section says various concessions apply to processing, documentation and other charges without specifying the concession schedule.

Source: bob Agrofood — Bank of Baroda official product page
Page / section: Fees & Charges
Accessed: 30 Aug 2026
Confidence: high

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DocumentsQuotation or invoice; project report; income-tax returns, GST returns or audited records; balance sheets and other statutory documents; security documents; and net-worth statements.View source

The official document section lists quotation/invoice, project report, IT//audited records, balance sheets/statutory documents, security documents and net-worth statements.

Source: bob Agrofood — Bank of Baroda official product page
Page / section: Document Required
Accessed: 30 Aug 2026
Confidence: high

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Geographic limitsNo state, district, branch or other territorial restriction is published on the reviewed page; the scheme is presented through Bank of Baroda's India agriculture and priority-sector channels.View source

The complete page identifies Agriculture/Priority Sector but does not publish a territorial limitation.

Source: bob Agrofood — Bank of Baroda official product page
Page / section: Complete product page
Accessed: 30 Aug 2026
Confidence: medium

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Customer typeFarmers, agricultural enterprises and eligible rural borrowersView source

The manually reviewed product record states: “Farmers, agricultural enterprises and eligible rural borrowers”.

Source: bob Agrofood — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

Open official source ↗

Eligibility

All advances to new or existing food and agro-based processing units under Agriculture, including takeovers from other banks.
Eligible constitutions include individuals, proprietorships, partnerships, private limited companies, public limited companies and concerns.
The product page also links simplified overdraft facilities and related warehouse-receipt, export-credit and non-fund-based facilities; each linked scheme has its own terms.

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

Documents the bank lists

Quotation or invoice.
Project report.
Income-tax return, returns or audited records.
Balance sheets and other statutory documents.
Security documents.
Net-worth statements and any other documents requested during appraisal.

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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₹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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TableTerm

Nature of facility · Published valueTerm Loan / Demand Loan / Cash Credit / Cash Credit against Warehouse Receipt / Bank Guarantee / Letter of Credit / BP/BD/SBLC / pre-shipment and post-shipment export credit

This value is copied from bob Agrofood — Most Important Terms and Conditions. Check the table notes before relying on it.

Source: bob Agrofood — Bank of Baroda official product page · Benefits, Features, Fees & Charges and 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 · 5 rows · 2 columnsbob Agrofood — Most Important Terms and ConditionsThe complete MITC rows published on the official product page.View tableHide table

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bob Agrofood — Most Important Terms and Conditions
Term	Published value
Nature of facility	Term Loan / Demand Loan / Cash Credit / Cash Credit against Warehouse Receipt / Bank Guarantee / Letter of Credit / BP/BD/SBLC / pre-shipment and post-shipment export credit
Limit	Up to ₹100 crore
Period — working capital	12 months
Period — term loan	Up to 144 months, case by case, subject to annual review
Rate of interest	Depending on hard-security coverage and internal credit rating

The page also publishes asset-specific margins and says various concessions may apply to processing and documentation charges.

bob Agrofood — Bank of Baroda official product page · Benefits, Features, Fees & Charges and Most Important Terms & Conditions () · accessed 30 Aug 2026Open official source ↗

Table 2 · 12 rows · 2 columnsbob Agrofood — current published termsComplete decision-useful transcription of the current product page and applicable pricing qualification.View tableHide table

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bob Agrofood — current published terms
Topic	Published detail
Purpose	Finance for food and agro-based processing units under the Agriculture/Priority Sector, including working capital, term loans, expansion and non-fund-based facilities.
Facilities	Term loan, demand loan, cash credit, cash credit against warehouse receipts, bank guarantee, letter of credit, BP/BD/SBLC, and pre-shipment/post-shipment export credit.
Aggregate limit	Up to ₹100 crore.
Margin	Stocks/book debts 25%; new plant and machinery 25%; old plant and machinery 40%; land and building 30%; 10% cash margin for specified government-authority bank guarantees for custom milling/raw-material procurement by eligible rice mills.
Working-capital period	12 months.
Term-loan period	Up to 144 months case by case, subject to annual review.
Rate	Depends on hard-security coverage and internal credit rating. The current priority-sector schedule separately identifies food/agro-processing as a category with its own applicable pricing; no single Agrofood percentage is published on the product page.
Eligibility	New/existing (including takeovers) food and agro-based processing units; individuals, proprietorships, partnerships, private/public limited companies and concerns.
Documents	Quotation/invoice; project report; IT returns, returns or audited records; balance sheets and statutory documents; security documents; net-worth statements.
Fees	Various concessions on processing, documentation and other charges are stated, but no fixed rupee amount or percentage is published on this product page.
Security and appraisal	Hard-security coverage is a pricing factor; the page publishes asset-specific margins and requires security documents and net-worth statements. Final sanction and pricing remain subject to appraisal.
Image	Existing exact official artwork and optimized WebP were reused; current image URL recheck returned a cache miss, so no substitute or duplicate image was downloaded.

The product page's ₹100 crore figure is the aggregate scheme limit; it is not a promise of sanction for every applicant or facility type.
The priority-sector rate schedule was used only to qualify pricing scope. No numeric rate is inferred where the Agrofood page gives rating/security-based pricing.
The related-product links are discovery evidence for separate products, not additional Agrofood facts.

bob Agrofood — current official page and priority-sector rate schedule · Benefits; Features; Eligibility; Documents; Fees; ; current priority-sector qualification · accessed 29 Sept 2026Open official source ↗

bob Agrofood

What the official sources publish

Eligibility

Documents the bank lists

Related official documents

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Loan repayment estimate

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Complete rates, limits and schedules

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