IndiaBanks.org · independent research

Business, & agriculture finance

bob Digi Udyam

Digi Udyam offers 100% digital loans based on cash flow assessment. Quick approval in 48 hours, minimal documentation, competitive rates for micro & small enterprises. Apply for digital loan now!

Facility amountFacilities above ₹10 lakh up to ₹200 lakh (₹2 crore).Interest rateThe product page describes the rate as attractive but does not publish a numeric ROI, spread or benchmark for bob Digi Udyam. The applicable rate must be confirmed in the sanction and current Bank of Baroda rate schedule.Customer typeEligible micro, small and medium enterprises
Official product page ↗Compare category

Quick eligibility check

bob Digi Udyam

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Individuals, proprietorships, partnerships, LLPs and companies, including existing Bank customers and non-customers, for cash-flow-based Micro and Small Enterprise financing?

Published source: Eligible borrowers

2Do you meet this requirement: The digital channel is available 24×7?

Published source: Eligible borrowers

3Do you meet this requirement: The application remains valid for 90 days?

Published source: Digital documents

4Do you meet this requirement: Eligible micro, small and medium enterprises?

Published source: Customer type

5Document checkDo you have this required document or proof: Valid mobile number?

Published source: Digital documents

6Document checkDo you have this required document or proof: PAN?

Published source: Digital documents

7Document checkDo you have this required document or proof: Udyam number?

Published source: Digital documents

8Document checkDo you have this required document or proof: GSTR-3B returns for the last 12 months?

Published source: Digital documents
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 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 borrowersIndividuals, proprietorships, partnerships, LLPs and companies, including existing Bank customers and non-customers, for cash-flow-based Micro and Small Enterprise financing. The digital channel is available 24×7.View source
The official bob Digi Udyam page publishes borrower forms, scope and digital availability.
Source
bob Digi Udyam — Cash Flow Based Digital Loan Scheme
Page / section
Key Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Facility amountFacilities above ₹10 lakh up to ₹200 lakh (₹2 crore).View source
The official page states facilities above ₹10 lakh and up to ₹200 lakh.
Source
bob Digi Udyam — Cash Flow Based Digital Loan Scheme
Page / section
Key Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Facility typesCash credit, overdraft, term loan, demand loan, bank guarantee and letter of credit are available under the scheme.View source
The official feature list enumerates six facility types.
Source
bob Digi Udyam — Cash Flow Based Digital Loan Scheme
Page / section
Key Features — Facility Types
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Security / processingCollateral-free loans are advertised. A concession in processing fee applies to loans up to ₹50 lakh; the page does not publish the exact concession amount.View source
The official feature list states collateral-free availability and a processing concession threshold.
Source
bob Digi Udyam — Cash Flow Based Digital Loan Scheme
Page / section
Key Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Digital documentsValid mobile number, PAN, Udyam number, GSTR-3B for the last 12 months, current-account statements for the last 12 completed months, latest filed ITR and access to Bank/Aadhaar-linked mobile authentication as applicable. The application remains valid for 90 days.View source
The official documents list publishes 12-month /bank records and 90-day application validity.
Source
bob Digi Udyam — Cash Flow Based Digital Loan Scheme
Page / section
Information/Documents Required
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Turnover requirementThe reviewed bob Digi Udyam page defines the target as Micro and Small Enterprises but does not publish a minimum or maximum annual turnover threshold. Eligibility remains subject to the bank's cash-flow assessment and scheme terms.View source
The official page identifies Micro and Small Enterprise financing and publishes a facility range, but no turnover band.
Source
bob Digi Udyam — Cash Flow Based Digital Loan Scheme
Page / section
Cashflow based Digital Financing Scheme; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateThe product page describes the rate as attractive but does not publish a numeric ROI, spread or benchmark for bob Digi Udyam. The applicable rate must be confirmed in the sanction and current Bank of Baroda rate schedule.View source
The feature list says only “Attractive Rate of Interest”; no numeric or spread appears on the page.
Source
bob Digi Udyam — Cash Flow Based Digital Loan Scheme
Page / section
Key Features — Attractive Rate of Interest; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Repayment tenureThe page lists cash credit, overdraft, term loan, demand loan, bank guarantee and letter of credit facilities but does not publish a repayment or validity period for any facility. Tenure is set in the sanction terms.View source
The official page enumerates facility types but gives no repayment tenor.
Source
bob Digi Udyam — Cash Flow Based Digital Loan Scheme
Page / section
Key Features — Facility Types; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeA concession in processing fee is advertised for loans up to ₹50 lakh (₹50,00,000), but the page does not publish the concession amount, standard fee, documentation fee or other applicable charges. Fees and duties once paid are not refundable.View source
The page states a processing-fee concession for loans up to ₹50 lakh and separately says paid fees/duties are not refundable; it gives no amount.
Source
bob Digi Udyam — Cash Flow Based Digital Loan Scheme
Page / section
Key Features — Processing Fee Concession; Notes
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Geographic availabilityAvailable through Bank of Baroda's wide network of branches and digital channels in India. The page does not publish a state, district or branch-territory restriction; channel and sanction availability still apply.View source
The official page says the product is available 24×7 through digital channels and assisted by a wide branch network.
Source
bob Digi Udyam — Cash Flow Based Digital Loan Scheme
Page / section
Key Features — 24×7 digital channels; wide branch network
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Published benefits and facility choicesCash-flow-based digital financing above ₹10 lakh and up to ₹200 lakh (₹2 crore), with cash credit, overdraft, term loan, demand loan, bank guarantee and letter of credit choices; collateral-free loans, 24×7 digital access, a processing-fee concession up to ₹50 lakh and branch assistance.View source
The complete feature list publishes the range, facility choices, collateral-free positioning, digital availability, fee concession and branch assistance.
Source
bob Digi Udyam — Cash Flow Based Digital Loan Scheme
Page / section
Key Features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Customer typeEligible micro, small and medium enterprisesView source
The manually reviewed product record states: “Eligible micro, small and medium enterprises”.
Source
bob Digi Udyam — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Cash-flow-based digital financing above ₹10 lakh and up to ₹200 lakh (₹2 crore), with cash credit, overdraft, term loan, demand loan, bank guarantee and letter of credit choices
  • collateral-free loans, 24×7 digital access, a processing-fee concession up to ₹50 lakh and branch assistance.

Eligibility

  • Individuals, proprietorships, partnerships, and companies, including existing Bank customers and non-customers, for cash-flow-based Micro and Small Enterprise financing. The digital channel is available 24×7.

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

Documents the bank lists

  • Valid mobile number
  • Udyam number
  • GSTR-3B returns for the last 12 months
  • Current-account statements for the last 12 completed months
  • Latest filed
  • Bank- or Aadhaar-linked mobile authentication, as applicable

Related official documents

Bank Interest Rates and Service Charges — Bank of Barodaofficial-rates-page · current · accessed 30 Aug 2026
↗
bob Digi Udyam — Cash Flow Based Digital MSE Loan Scheme — official product pageofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

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.

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.

Enterprise scope · Published detailMicro and Small Enterprises

This value is copied from bob Digi Udyam — published facility, access and document terms. Check the table notes before relying on it.

Source: bob Digi Udyam — Cash Flow Based Digital Loan Scheme · Key Features; Information/Documents Required; Notes 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 columnsbob Digi Udyam — published facility, access and document termsStructured capture of the official product page's complete feature and document sections.View tableHide table

Scroll sideways to view every column

bob Digi Udyam — published facility, access and document terms
TermPublished detail
Enterprise scopeMicro and Small Enterprises
Facility amountAbove ₹10 lakh to ₹200 lakh (₹2 crore)
Facility typesCash credit; overdraft; term loan; demand loan; bank guarantee; letter of credit
SecurityCollateral-free loans advertised
Digital accessAvailable 24×7 through digital channels
Processing feeConcession for loans up to ₹50 lakh; amount not published
Borrower formsIndividuals; proprietorship concerns; partnerships; ; companies; existing customers and non-customers
DocumentsMobile; ; Udyam number; 12 months GSTR-3B; 12 completed months current-account statements; latest filed ; linked mobile authentication
Application validity90 days; complete loan process within this period
Refund ruleFees/duties once paid are not refundable
  • The product page does not publish a turnover threshold, numeric interest rate, repayment tenure or exact fee/concession amount.
bob Digi Udyam — Cash Flow Based Digital Loan Scheme · Key Features; Information/Documents Required; Notes · accessed 30 Aug 2026Open official source ↗

More from Bank of Baroda

Related products

Animal Husbandry Infrastructure Development fund (AHIDF)

Scheme: Learn about Animal Husbandry Infrastructure Development Fund at Bank of Baroda. Apply for an loan & get the financial support for your animal husbandry project.

View product

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

Get competitive interest rates for animal husbandry loan through Baroda . You can easily apply for animal husbandry & fisheries scheme with our simple Application Form.

View product

Baroda Arogyadham Loan

Baroda Arogyadham Loan, an exclusive financing option for doctors & hospitals. Get financial support for clinic/hospital construction, expansion & medical equipment purchase. Apply Now!

View product

Baroda Artisans Credit Card

Baroda Artisans Credit Card provides reliable & flexible loan options tailored to your needs. Secure the financial support of projects with competitive rates & convenient repayment terms.

View product