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Composite Loans

Apply for composite loans in India with competitive interest rates at Bank of Baroda. Get hassle-free access to composite loans that cater to your financial needs.

Loan ceilingUp to ₹100 lakh.PricingCompetitive pricing linked to the Repo rate/MCLR.Customer typeEligible micro, small and medium enterprises
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Quick eligibility check

Composite Loans

0 of 9 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: Eligible micro, small and medium enterprises?

Published source: Customer type

2Do you meet this requirement: Common checklist: Duly filled loan application form?

Published source: Common commercial-loan documents

3Can you provide this required proof: Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents?

Published source: Common commercial-loan documents

4Do you meet this requirement: Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans?

Published source: Common commercial-loan documents

5Do you meet this requirement: Balance sheets for the last three years?

Published source: Common commercial-loan documents

6Document checkDo you have at least one of these required documents: 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?

Published source: Common commercial-loan documents

7Document checkDo you have at least one of these required documents: 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?

Published source: Common commercial-loan documents

8Document checkDo you have this required document or proof: Proof of business address?

Published source: Common commercial-loan documents

9Document checkDo you have this required document or proof: Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns?

Published source: Common commercial-loan documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 11 Sept 2026 · active
Composite Loans official banner
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.

Composite purposeFixed-capital investment and/or working-capital requirements through a composite loan facility.View source
The official features section identifies fixed-capital and working-capital uses.
Source
Composite Loans
Page / section
Features — Purpose
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Loan ceilingUp to ₹100 lakh.View source
The official page publishes the ₹100 lakh ceiling.
Source
Composite Loans
Page / section
Features — Amount of Loan
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
MarginNil up to ₹25,000; 15%–25% above ₹25,000 and up to ₹100 lakh.View source
The official page publishes the two margin bands.
Source
Composite Loans
Page / section
Features — Margin
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
SecurityNo collateral security or third-party guarantee is required.View source
The official security section states that collateral and third-party guarantees are not taken.
Source
Composite Loans
Page / section
Features — Security
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Repayment3 to 10 years, extendable, with an initial holiday of 12 to 18 months for both interest and principal.View source
The official page publishes the tenor and initial holiday range.
Source
Composite Loans
Page / section
Features — Repayment Period
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
PricingCompetitive pricing linked to the Repo rate/MCLR.View source
The official pricing section identifies Repo/-linked pricing without a fixed number.
Source
Composite Loans
Page / section
Interest Rates & Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
CollateralNo collateral security or third-party guarantee is to be taken.View source
The official security section states that no collateral security or third-party guarantee is taken.
Source
Composite Loans
Page / section
Features — Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsThe reviewed official page publishes no state, residence, branch-territory or usage-country restriction for Composite Loans.View source
The full page gives product terms but no geographic exclusion.
Source
Composite Loans
Page / section
Complete page reviewed
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
Composite Loans — official product page
Page / section
Published product metadata
Accessed
15 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

  • Fixed-capital investment and/or working-capital requirements through a composite loan facility.

Related official documents

Composite Loans — official product pageofficial-product-page · current · accessed 30 Aug 2026
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Composite Loans — current product-page checkofficial-product-page · inaccessible · accessed 26 Sept 2026
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Download Forms — Bank of Baroda MSME Business Forms catalogueofficial-forms-catalogue-page · current · accessed 27 Sept 2026
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Loans and Advances — Bank of Baroda common commercial-loan document FAQofficial-catalogue-page · current · accessed 29 Sept 2026
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Loans and Advances — Bank of Baroda common MSME documentsofficial-catalogue-page · current · accessed 11 Sept 2026
↗
MSME Credit Facility — Bank of Baroda application formofficial-application-form · inaccessible · accessed 27 Sept 2026
↗
Composite Loans — official product imageofficial-product-image · current · accessed 30 Aug 2026
↗
Loans and Advances — Bank of Baroda MSME index and common-document FAQofficial-catalogue-page · current · accessed 26 Sept 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.

Purpose · Published detailFixed-capital investment and/or working-capital requirement

This value is copied from Composite Loans — complete published terms. Check the table notes before relying on it.

Source: Composite Loans · Features; 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 columnsComposite Loans — complete published termsStructured capture of every material term on the official Composite Loans page.View tableHide table

Scroll sideways to view every column

Composite Loans — complete published terms
TermPublished detail
PurposeFixed-capital investment and/or working-capital requirement
FacilityComposite loan
AmountUp to ₹100 lakh
MarginNil up to ₹25,000; 15%–25% above ₹25,000 and up to ₹100 lakh
SecurityNo collateral security or third-party guarantee
Repayment3–10 years, extendable; initial holiday 12–18 months for interest and principal
PricingCompetitive pricing linked to Repo rate/
Turnover / documents / geographyNo numeric turnover, itemised document checklist or narrower geographic restriction published
  • means Marginal Cost of Funds based Lending Rate.
Composite Loans · Features; Interest Rates & Charges · accessed 30 Aug 2026Open official source ↗

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