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Enhanced Earned Salary Advance Drawls Access Scheme

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Interest rate11.50% per annum, fixed.Maximum financeUp to ₹25 lakh, subject to the salary-linked 50% formula for the selected 1-, 3- or 24-month variant.Repayment tenure1 month, 3 months or 24 months.
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Quick eligibility check

Enhanced Earned Salary Advance Drawls Access Scheme

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: Permanent employees of the Rajasthan State Government?

Published source: Eligibility

2Do you meet this requirement: The digital?

Published source: Eligibility

3Are you this type of customer: application requires a Rajasthan Government employee ID and employee code?

Published source: Eligibility

4Do you meet this requirement: Valid mobile number registered with the bank?

Published source: Required documents / digital checks

5Are you this type of customer: Rajasthan Government employee ID and employee code?

Published source: Required documents / digital checks

6Document checkDo you have this required document or proof: Valid mobile number registered with the Bank account?

Published source: Required documents / digital checks

7Document checkDo you have this required document or proof: Aadhaar number for e-stamping/e-signing?

Published source: Required documents / digital checks

8Document checkDo you have this required document or proof: Web camera for photograph capture and video KYC?

Published source: Required documents / digital checks

9Document checkDo you have this required document or proof: valid PAN number?

Published source: Required documents / digital checks
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 15 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.

EligibilityPermanent employees of the Rajasthan State Government. The digital application requires a Rajasthan Government employee ID and employee code.View source
Eligibility is limited to permanent Rajasthan State Government employees; the digital guidance names the employee /code evidence.
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Eligibility; digital guidance — Documents Required
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Advance amountMinimum ₹10,000 and maximum ₹25 lakh. The maximum for each option is 50% of last-drawn net salary multiplied by the selected term: 1 month = 50% of last-drawn net salary; 3 months = 50% × 3; 24 months = 50% × 24, subject to the ₹25 lakh ceiling.View source
The page publishes the ₹10,000 minimum, ₹25 lakh maximum and the 50%-of-last-drawn-net-salary formula for 1-, 3- and 24-month options.
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Benefits; Introduction — salary/amount table; Features — Advance Limit
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Interest rate11.50% per annum, fixed.View source
The official page states a fixed interest rate of 11.50%.
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Introduction; Features — Rate of Interest
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Repayment tenure1 month, 3 months or 24 months.View source
The page lists 1-month, 3-month and 24-month repayment options.
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Introduction — salary/amount table; Features — Repayment Period
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Processing chargeNil.View source
The Fees & Charges section states processing charges are zero.
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Fees & Charges
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Prepayment chargeNil.View source
The Fees & Charges section states prepayment charges are nil.
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Fees & Charges
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Loan typeDigital earned-salary advance / demand loan for permanent employees of the Rajasthan State Government.View source
The page identifies the facility as an Enhanced Earned Salary Advance Drawls Access Scheme (Demand Loan).
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Introduction; Features — Product Type
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
BenchmarkBank of Baroda says BRLLR applies to all retail lending products. The current page lists BRLLR at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year MCLR at 8.75% effective 12 August 2026. Product-specific spreads, CIBIL pricing and scheme conditions determine the applicable rate.Effective 12 Aug 2026View source
The page states that was introduced for all retail lending products and gives the current , repo-plus-spread composition and reference. It does not state that one single spread applies to every product.
Source
Bank of Baroda Retail Loans Interest Rates
Page / section
benchmark; benchmark; retail loan rate tables
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
PurposeAny purpose other than speculation.View source
The official Features section states the purpose restriction.
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Features — Purpose
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Maximum financeUp to ₹25 lakh, subject to the salary-linked 50% formula for the selected 1-, 3- or 24-month variant.View source
Maximum advance is ₹25 lakh; the page also limits it by the salary/tenure formula.
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Benefits; Features — Advance Limit
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Age eligibilityMinimum age 21 years. The main product page states a maximum of 57 years 6 months; the official digital-application guidance specifies 59 years 6 months for the 1- and 3-month options and 57 years 6 months for the 24-month option.View source
The two official pages publish overlapping but not identical maximum-age wording; both are retained and the variant-specific digital guidance is shown.
Source
Enhanced Earned Salary Advance Drawls Access Scheme — age terms
Page / section
Features — Age Criteria; digital guidance — Features and Advantages
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Employment / business vintageFor advances above ₹2 lakh, the published terms require at least 1 year of salaried employment or 2 years of business/profession. For an advance up to ₹2 lakh, income-document and vintage requirements are waived.View source
The Terms and Conditions distinguish the above-₹2-lakh vintage test from the up-to-₹2-lakh waiver.
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Terms and Conditions
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Penal charge2% per annum on overdue amounts for delayed payment of principal, interest, service charges or bills, calculated for the actual default days and debited monthly. The same 2% p.a. applies during the default period for non-submission of sanctioned documents or non-compliance with security perfection.View source
The page separates delayed-payment penalties from prepayment charges and lists two non-compliance cases.
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Fees & Charges; Terms and Conditions
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Required documents / digital checksValid mobile number registered with the bank; Aadhaar number for e-stamping/e-signing; valid PAN number; Rajasthan Government employee ID and employee code; webcam/camera for photographs and video KYC.View source
The official digital-application page lists the mobile, Aadhaar, , Rajasthan Government employee /code and webcam requirements.
Source
Enhanced Earned Advance — digital application guidance
Page / section
Documents Required
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Digital processStraight-through digital process through disbursement with automated EMI collection; no income-proof or bank-statement upload is required on the product page.View source
The Benefits and Introduction sections describe STP through disbursement and no income-proof/bank-account-statement upload.
Source
Enhanced Earned Salary Advance Drawls Access Scheme
Page / section
Benefits; Introduction
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Application validityThe official digital-application guidance says an application is valid for 30 days; it should be completed through disbursement within that period, and any stamp duty paid may not be refundable after expiry.View source
The digital guidance publishes a 30-day application validity and stamp-duty caveat.
Source
Enhanced Earned Advance — digital application guidance
Page / section
Application validity
Accessed
15 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsPermanent employees of the Rajasthan State Government. The digital application requires a Rajasthan Government employee ID and employee code.View source
The manually reviewed product record states: “Permanent employees of the Rajasthan State Government. The digital application requires a Rajasthan Government employee and employee code.”.
Source
Enhanced Earned Salary Advance Drawls Access Scheme — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Salary advance up to ₹25 lakh for permanent Rajasthan State Government employees.
  • No income-proof or bank-account-statement upload is required; the journey is straight-through to disbursement with automated collection.
  • Fixed 11.50% p.a. rate, 1-, 3- and 24-month options, nil processing and nil prepayment charges.

Eligibility

  • Applicant must be a permanent employee of the Rajasthan State Government.
  • Minimum age is 21 years; maximum age is 57 years 6 months for the 24-month option and 59 years 6 months for the 1- and 3-month options.
  • The advance is for any purpose other than speculation; minimum amount is ₹10,000 and maximum is ₹25 lakh.

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

Documents the bank lists

  • Valid mobile number registered with the Bank account.
  • Aadhaar number for e-stamping/e-signing.
  • Web camera for photograph capture and video .

Related official documents

Bank of Baroda Retail Loans Interest Rates — current BRLLR and MCLR referencesofficial-interest-rate-page · current · accessed 29 Aug 2026
↗
Enhanced Earned Advance — official digital application guidanceofficial-digital-application-page · current; visible digital-application page reviewed · accessed 15 Sept 2026
↗
Enhanced Earned Salary Advance Drawls Access Scheme — official pageofficial-product-page · current · accessed 29 Aug 2026
↗
Enhanced Earned Salary Advance Drawls Access Scheme — current official pageofficial-product-page · current; complete visible HTML page reviewed · accessed 15 Sept 2026
↗
Bank of Baroda service charges — retail processing and prepayment scheduleofficial-service-charge-page · current · accessed 29 Aug 2026
↗
Bank of Baroda loan product pages — eligibility, limits and chargesofficial-product-pages · current-at-review · accessed 29 Sept 2026
↗
Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 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₹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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· Published value7.90% = repo 5.25% + markup/base spread 2.65%

This value is copied from Bank of Baroda retail-lending benchmark reference. Check the table notes before relying on it.

Source: Bank of Baroda Retail Loans Interest Rates · benchmark; benchmark Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 3 rows · 4 columnsBank of Baroda retail-lending benchmark referenceCurrent benchmark values and effective dates from the official retail-loans rate page.View tableHide table

Scroll sideways to view every column

Bank of Baroda retail-lending benchmark reference
ReferencePublished valueEffective dateUse
7.90% = repo 5.25% + markup/base spread 2.65%6 December 2025Benchmark for retail lending; product-specific spread and risk pricing still apply.
1-year 8.75%12 August 2026Reference used by products or fixed/legacy pricing that expressly links to .
Base rate9.45%12 May 2025Reference where a product's published terms expressly use Base Rate.
  • The page says covers retail lending products but also shows product-specific spread tables; the benchmark is not itself the final customer rate.
Bank of Baroda Retail Loans Interest Rates · benchmark; benchmark · effective 12 Aug 2026 · accessed 29 Aug 2026Open official source ↗
Table 2 · 14 rows · 4 columnsEnhanced Earned Salary Advance — published termsSalary-linked amount formula, tenure, age, eligibility evidence and charges from the current official pages.View tableHide table

Scroll sideways to view every column

Enhanced Earned Salary Advance — published terms
SectionPublished termValue / thresholdNotes
EligibilityPermanent employeeRajasthan State GovernmentProduct page condition
Advance limitMinimum / maximum₹10,000 / ₹25 lakhSubject to salary-linked formula
1-month optionMaximum50% of last-drawn net salarySelected tenure
3-month optionMaximum50% × last-drawn net salary × 3Selected tenure
24-month optionMaximum50% × last-drawn net salary × 24Selected tenure
InterestFixed11.50% p.a.Product page
RepaymentAvailable terms1, 3 or 24 monthsProduct page
AgeMinimum21 yearsProduct page
AgeMaximum59 years 6 months for 1/3 months; 57 years 6 months for 24 monthsDigital guidance; main page states 57 years 6 months
ProcessingProcessing chargeNilProduct page
PrepaymentPrepayment chargeNilProduct page
PenaltyDefault / non-compliance2% p.a.Overdue amount and listed document/security non-compliance
DocumentsDigital checksMobile, Aadhaar, , Rajasthan Government employee /code, webcam/video Digital application guidance
ApplicationValidity30 daysDigital guidance
  • No standalone minimum salary amount is published; the salary-linked advance formula and above-₹2-lakh vintage condition are recorded as separate facts.
  • Maximum-age wording differs between the main product page and digital guidance; both are shown.
Enhanced Earned Salary Advance Drawls Access Scheme — current official page · Benefits; Introduction; Features; Eligibility; Documents; Fees & Charges; Terms and Conditions · accessed 15 Sept 2026Open official source ↗
Table 3 · 7 rows · 2 columnsEnhanced Earned Salary Advance — salary slabs and chargesThe official tenure formula, ages and charges.View tableHide table

Scroll sideways to view every column

Enhanced Earned Salary Advance — salary slabs and charges
TenurePublished maximum / condition
1 month50% of last-drawn net salary
3 months50% of last-drawn net salary × 3
24 months50% of last-drawn net salary × 24
Overall amount₹10,000 minimum to ₹25 lakh maximum
Rate11.50% fixed
Age21 minimum; 59 years 6 months max for 1/3 months; 57 years 6 months max for 24 months
ChargesProcessing nil; prepayment nil; penal charge 2% p.a. on default
Enhanced Earned Salary Advance Drawls Access Scheme · Introduction; Features; Fees & Charges · accessed 30 Aug 2026Open official source ↗

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