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Business, & agriculture finance

Digital Loan

Digital Loan can be applied by the businesses to meet operating expenses, purchasing inventory, receivables financing & other business needs. Apply for digital loan now!

Facility amount₹10 lakh minimum and ₹5 crore maximum for working-capital fund-based facilities.Interest rateInterest rates are charged as per Bank of Baroda policy; the reviewed page publishes no numeric rate, benchmark spread or range.Customer typeMicro, small and medium manufacturing or service enterprises meeting the Government of India MSME investment and turnover definitions.
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Quick eligibility check

Digital Loan

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.

1Does your annual turnover meet this requirement: Micro, small and medium manufacturing or service enterprises meeting the Government of India MSME investment and turnover definitions?

Published source: Customer type

2Do you meet this requirement: Valid mobile number and email ID?

Published source: Required documents

3Do you meet this requirement: GSTN username and GST-registered mobile where applicable?

Published source: Required documents

4Do you meet this requirement: business/Udyam registration?

Published source: Required documents

5Are you this type of customer: KYC for the business and promoter/partner/proprietor?

Published source: Required documents

6Document checkDo you have this required document or proof: valid mobile number?

Published source: Required documents

7Document checkDo you have this required document or proof: email ID?

Published source: Required documents

8Document checkDo you have this required document or proof: PAN?

Published source: Required documents

9Document checkDo you have this required document or proof: GSTN username where registered?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 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.

Customer typeMicro, small and medium manufacturing or service enterprises meeting the Government of India MSME investment and turnover definitions.View source
The official page reproduces the micro/small/medium investment and turnover thresholds.
Source
Digital Loan
Page / section
Eligible Borrowers
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
MSME thresholdsMicro: investment up to ₹1 crore and turnover up to ₹5 crore; small: up to ₹10 crore and ₹50 crore; medium: up to ₹50 crore and ₹250 crore.View source
The official table publishes the three enterprise classifications and thresholds.
Source
Digital Loan
Page / section
Eligible Borrowers
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
Facility amount₹10 lakh minimum and ₹5 crore maximum for working-capital fund-based facilities.View source
The official amount section publishes ₹10 lakh–₹5 crore.
Source
Digital Loan
Page / section
Amount of Assistance
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
CollateralFirst charge on all assets created from the loan or other security mutually agreed with the bank.View source
The official security section specifies first charge or mutually agreed security.
Source
Digital Loan
Page / section
Security
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsApplication is available through bob World, bob World Internet and the Bank of Baroda website; no state, residence or branch-territory restriction is published.View source
The official page names the three application platforms and gives no territorial exclusion.
Source
Digital Loan
Page / section
Available on platform; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Facility tenure12-month working-capital tenor, subject to annual reviewView source
The official publishes the working-capital tenor and annual review.
Source
Digital Loan
Page / section
— Tenure
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
Interest rateInterest rates are charged as per Bank of Baroda policy; the reviewed page publishes no numeric rate, benchmark spread or range.View source
The official page says rates are as per bank policy without a percentage or formula.
Source
Digital Loan
Page / section
Interest Rates and Charges; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeUpfront fee and processing charges are as per Bank of Baroda policy; the reviewed page publishes no numeric amount, percentage, cap or waiver.View source
The page expressly defers upfront and processing charges to bank policy.
Source
Digital Loan
Page / section
Interest Rates and Charges; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Required documentsValid mobile number and email ID; PAN; GSTN username and GST-registered mobile where applicable; latest ITR 3/5/6 in XML or ITR 4 in PDF (minimum 1 and maximum 3 years); latest six-month bank statement in PDF; business/Udyam registration; KYC for the business and promoter/partner/proprietor; related-party details if any; and existing-loan details.View source
The official prerequisites list specifies the identity, tax, bank-statement, registration, and existing-loan information to have ready before applying.
Source
Digital Loan
Page / section
Most Important Terms and Conditions () — Prerequisites for applying
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Documents the bank lists

  • valid mobile number
  • email
  • username where registered
  • -registered mobile where applicable
  • latest 3/5/6 XML or 4
  • one to three years of
  • latest six-month bank statement
  • business or Udyam registration
  • business and promoter/partner/proprietor
  • related-party details if any
  • existing-loan details

Related official documents

Digital MSME Loan — official product pageofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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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

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Platforms · Published detailbob World, bob World Internet and Bank of Baroda website

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

Source: Digital Loan · Available on platform; Eligible Borrowers; Amount; Security; Interest Rates and 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 · 11 rows · 2 columnsDigital MSME Loan — complete published termsStructured capture of the official digital working-capital loan page, including the MSME definition table and application prerequisites.View tableHide table

Scroll sideways to view every column

Digital MSME Loan — complete published terms
TermPublished detail
Platformsbob World, bob World Internet and Bank of Baroda website
Micro enterprisePlant/equipment investment up to ₹1 crore and turnover up to ₹5 crore
Small enterprisePlant/equipment investment up to ₹10 crore and turnover up to ₹50 crore
Medium enterprisePlant/equipment investment up to ₹50 crore and turnover up to ₹250 crore
PurposeWorking-capital fund-based facility
Amount₹10 lakh minimum to ₹5 crore maximum
SecurityFirst charge on assets created from the loan or another security mutually agreed with the bank
RateAs per bank policy; numeric rate not published
Upfront/processing feeAs per bank policy; numeric fee not published
Tenure12 months subject to annual review
DocumentsMobile/email, / details, one to three years , six-month bank statement, registration, , related-party and existing-loan details
  • The investment and turnover thresholds are the Government of India definitions reproduced on the official page.
Digital Loan · Available on platform; Eligible Borrowers; Amount; Security; Interest Rates and Charges; · accessed 30 Aug 2026Open official source ↗

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