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Digital Mudra Loan

Apply online for Digital Mudra Loan at attractive interest rates from Bank of Baroda. Get hassle-free access to e-Mudra loan with simplified application process for quick approvals.

Facility amountShishu ₹10,000–₹50,000; Kishore above ₹50,000 to ₹5 lakh; Tarun above ₹5 lakh to ₹10 lakh.Interest rateMicro: BRLLR+SP up to ₹50,000, then BRLLR+SP+2.00% / +2.20%; small: BRLLR+SP+2.00% / +2.20% / +2.35% across the same slabs.Customer typeNon-farm micro or small enterprises engaged in manufacturing, trading or services; applicants may be individuals or sole proprietors with an existing business.
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Quick eligibility check

Digital Mudra 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.

1Do you meet this requirement: Non-farm micro or small enterprises engaged in manufacturing, trading or services?

Published source: Customer type

2Do you meet this requirement: applicants may be individuals or sole proprietors with an existing business?

Published source: Customer type

3Do you meet this requirement: Valid mobile number and email ID (non-mandatory)?

Published source: Required documents

4Do you meet this requirement: Udyam registration?

Published source: Required documents

5Do you meet this requirement: GSTN username where registered?

Published source: Required documents

6Document checkDo you have this required document or proof: valid mobile number and email (non-mandatory)?

Published source: Required documents

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

Published source: Required documents

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

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 typeNon-farm micro or small enterprises engaged in manufacturing, trading or services; applicants may be individuals or sole proprietors with an existing business.View source
The official page specifies the non-farm enterprise sectors and individual/sole-proprietor borrower types.
Source
Digital Mudra Loan
Page / section
Purpose / Eligible Borrowers
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
Facility amountShishu ₹10,000–₹50,000; Kishore above ₹50,000 to ₹5 lakh; Tarun above ₹5 lakh to ₹10 lakh.View source
The official eligible-limits table publishes all three Mudra bands.
Source
Digital Mudra Loan
Page / section
Eligible Limits
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
Interest rateMicro: BRLLR+SP up to ₹50,000, then BRLLR+SP+2.00% / +2.20%; small: BRLLR+SP+2.00% / +2.20% / +2.35% across the same slabs.View source
The official pricing table publishes the micro/small and loan-slab spreads.
Source
Digital Mudra Loan
Page / section
Interest Rates and Charges
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
CollateralFirst charge on assets created from the facility; no collateral security for eligible accounts covered under CGTMSE.View source
The official security section states primary first charge and collateral exemption.
Source
Digital Mudra Loan
Page / section
Security
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
FeesUnified processing charges nil; prepayment charges nil; penal charges follow the bank’s extant guidelines.View source
The official charges section states nil processing and prepayment charges.
Source
Digital Mudra Loan
Page / section
Interest Rates and Charges
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
Repayment periodTerm/business loan: up to 60 months, repaid by Equated Monthly Instalments (EMIs), subject to annual review. Working-capital facility: 12 months from sanction. Term-loan moratorium: none for Shishu; up to 3 months for Kishore up to ₹2 lakh; up to 6 months for larger Kishore and Tarun.View source
The page publishes separate term-loan, working-capital and category-based moratorium periods.
Source
Digital Mudra Loan
Page / section
Repayment Period; Moratorium
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Required documentsValid mobile number and email ID (non-mandatory); PAN; Udyam registration; GSTN username where registered; mobile number registered with Udyam and GSTN; digitally downloaded last six-month bank statement; business registration where applicable; KYC of business and proprietor; associate-concern details; and existing-loan details.View source
The official prerequisites section enumerates identity, registration, banking and existing-loan information.
Source
Digital Mudra Loan
Page / section
Terms and Conditions — Prerequisites for applying
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsApplication is available through the bobWorld application, bobWorld Internet and the Bank of Baroda website via redirection to the JanSamarth Portal. No state, residence or branch-territory restriction is published.View source
The official page names the three digital routes and gives no geographic exclusion.
Source
Digital Mudra Loan
Page / section
Available on platform; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Documents the bank lists

  • valid mobile number and email (non-mandatory)
  • Udyam registration
  • username where registered
  • mobile registered with Udyam and
  • last six-month digitally downloaded bank statement
  • business registration where applicable
  • business and proprietor
  • associate-concern details
  • existing-loan details

Related official documents

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

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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₹12,647twelve thousand six hundred forty-seven rupees
Interest paid over the full loan₹5,35,300five lakh thirty-five thousand three hundred rupees
Everything you repay₹30,35,300thirty lakh thirty-five thousand three hundred 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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Purpose · Published detailNon-farm micro/small manufacturing, trading or service businesses; working capital and business expenditure

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

Source: Digital Mudra Loan · Benefits; Features; Eligible Limits; Repayment; Security; Interest Rates and Charges; Terms and 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 · 13 rows · 2 columnsDigital Mudra Loan — complete published termsStructured capture of the official digital Mudra page, including the rate slab table and prerequisites.View tableHide table

Scroll sideways to view every column

Digital Mudra Loan — complete published terms
TermPublished detail
PurposeNon-farm micro/small manufacturing, trading or service businesses; working capital and business expenditure
PlatformsbobWorld app, bobWorld Internet and Bank of Baroda website via JanSamarth
BorrowerExisting individual or sole-proprietor business
Shishu₹10,000 to ₹50,000
KishoreAbove ₹50,000 to ₹5 lakh
TarunAbove ₹5 lakh to ₹10 lakh
Age18 to 60 years
RepaymentTerm loan up to 60 months; working capital 12 months
MoratoriumShishu none; Kishore up to ₹2 lakh up to 3 months; larger Kishore/Tarun up to 6 months
SecurityFirst charge on financed assets; no collateral for eligible -covered accounts
RateMicro: + up to ₹50,000; +2.00% above ₹50,000 to ₹2 lakh; +2.20% above ₹2 lakh to ₹10 lakh. Small: +2.00%, +2.20%, +2.35% over the same slabs
FeesPrepayment nil; unified processing nil; penal charges as per bank guidelines
Documents/Udyam/ details, six-month statement, registration/, associate concern and existing-loan details
  • means Baroda Repo Linked Lending Rate; means Strategic Premium; means Credit Guarantee Fund Trust for Micro and Small Enterprises.
Digital Mudra Loan · Benefits; Features; Eligible Limits; Repayment; Security; Interest Rates and Charges; Terms and Conditions · accessed 30 Aug 2026Open official source ↗

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