Business, & agriculture finance

Lending to Agriculture Other Priority Sectors demand loan for financing against

Now let your gold ornaments and jewellery work for you. Apply for Baroda

Loan limit and tenureMaximum ₹25 lakh per borrower; no minimum is stipulated. EMI scheme tenure is 12–36 months, while the FAQ states demand-loan repayment may be up to 12 months.Published interest-rate schedulesThe product page lists Demand Loan at BRLLR + SP + 2.00%, Overdraft at BRLLR + SP + 2.15%, and EMI at BRLLR + SP + 2.00%. It then separately lists amount bands at up to ₹3 lakh: one-year MCLR + SP; above ₹3 lakh to ₹10 lakh: +0.25%; and above ₹10 lakh to ₹25 lakh: +0.50%, without saying which facility those bands govern. The central tariff separately lists Agriculture Gold Loan at one-year MCLR. The official pages do not reconcile these formulas, so the applicable current rate is unresolved.Customer typeFarmers, agricultural enterprises and eligible rural borrowers

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✓ 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.

Agriculture gold-loan useShort-term crop-production, allied-activity and other priority-sector credit against gold ornaments/jewellery or specially minted bank-sold gold coins; any purpose other than speculation is permitted.View source

The official page defines the agriculture/allied purpose and non-speculative condition.

Source: Lending to Agriculture Other Priority Sectors demand loan for financing against
Page / section: Features / Benefits
Accessed: 23 Aug 2026
Confidence: high

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Borrower eligibilityIndian-resident individuals who own the pledged gold jewellery/ornaments or bank-sold minted coins; minted coins are limited to 50 grams per borrower. The FAQ states a 18–70 age range and local residents with a branch savings account.View source

The official and publish residency, ownership, coin weight, age and branch conditions.

Source: Lending to Agriculture Other Priority Sectors demand loan for financing against
Page / section: / — Eligibility
Accessed: 23 Aug 2026
Confidence: high

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Loan limit and tenureMaximum ₹25 lakh per borrower; no minimum is stipulated. EMI scheme tenure is 12–36 months, while the FAQ states demand-loan repayment may be up to 12 months.View source

The official and publish the ₹25 lakh ceiling and scheme-specific tenors.

Source: Lending to Agriculture Other Priority Sectors demand loan for financing against
Page / section: — Maximum Limit / Tenure /
Accessed: 23 Aug 2026
Confidence: high

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Gold securityMinimum 18-carat gold jewellery/ornaments are pledged; loan-to-value margin is determined by the bank from time to time.View source

The official page publishes minimum purity and bank-determined .

Source: Lending to Agriculture Other Priority Sectors demand loan for financing against
Page / section: Interest Rates & Charges / — Margin and Security
Accessed: 23 Aug 2026
Confidence: high

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Turnover / vintageNo turnover, revenue or operating-vintage threshold is published. The page instead requires an individual borrower who is the true owner of eligible gold and an Indian resident.View source

The eligibility section gives ownership, 50-gram coin limit and residency conditions, not an income or turnover threshold.

Source: Lending to Agriculture Other Priority Sectors — Agriculture Gold Loan
Page / section: — Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureThe EMI scheme has a minimum tenure of 12 months and maximum tenure of 36 months. Demand-loan principal is repaid by bullet payment at any time during the loan tenure; interest is paid monthly.View source

The official publishes 12–36 months for and the demand-loan bullet repayment mode.

Source: Lending to Agriculture Other Priority Sectors — Agriculture Gold Loan
Page / section: — Tenure / Repayment Mode
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

DocumentsThe reviewed Agriculture Gold Loan page does not publish a named document checklist. Confirm the current KYC, ownership and valuation documents with the lending branch before applying.View source

The complete current page publishes eligibility, limits, repayment, rates, security, charges and , but no named document section.

Source: Lending to Agriculture Other Priority Sectors — Agriculture Gold Loan
Page / section: Complete page review
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsIndian-resident individuals who own the pledged gold jewellery/ornaments or bank-sold minted coins; minted coins are limited to 50 grams per borrower. The FAQ states a 18–70 age range and local residents with a branch savings account.View source

The manually reviewed product record states: “Indian-resident individuals who own the pledged gold jewellery/ornaments or bank-sold minted coins; minted coins are limited to 50 grams per borrower. The states a 18–70 age range and local residents with a branch savings account.”.

Source: Lending to Agriculture Other Priority Sectors demand loan for financing against — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

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Customer typeFarmers, agricultural enterprises and eligible rural borrowersView source

The manually reviewed product record states: “Farmers, agricultural enterprises and eligible rural borrowers”.

Source: Lending to Agriculture Other Priority Sectors demand loan for financing against — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

Open official source ↗

Published interest-rate schedulesThe product page lists Demand Loan at BRLLR + SP + 2.00%, Overdraft at BRLLR + SP + 2.15%, and EMI at BRLLR + SP + 2.00%. It then separately lists amount bands at up to ₹3 lakh: one-year MCLR + SP; above ₹3 lakh to ₹10 lakh: +0.25%; and above ₹10 lakh to ₹25 lakh: +0.50%, without saying which facility those bands govern. The central tariff separately lists Agriculture Gold Loan at one-year MCLR. The official pages do not reconcile these formulas, so the applicable current rate is unresolved.View source

The product page publishes facility-linked formulas and then a distinct amount-linked formula without an association; the separate central tariff gives another benchmark description. No source clarification was found during the page/rate cross-check.

Source: Lending to Agriculture Other Priority Sectors demand loan for financing against — Bank of Baroda
Page / section: Product page Interest Rates & Charges, HTML lines 174–201; central tariff Agri Gold Loan table, HTML lines 404–409
Accessed: 27 Sept 2026
Confidence: high

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Processing and assaying chargesThe product-page MITC says processing is nil up to ₹25,000 and applicable charges plus GST above ₹25,000 to ₹25 lakh. Its FAQ instead says nil up to ₹3 lakh, then 0.25% of the sanctioned limit plus GST above ₹3 lakh to ₹25 lakh, capped at ₹3,500 plus GST. The FAQ also lists assayer charges at ₹0.50 per ₹100 of net-assayed gold value, minimum ₹25 and maximum ₹350 per assay. The two processing schedules conflict; the page does not explain which controls.View source

The same current official page publishes two different processing-fee schedules in separate sections; both are retained. The assayer charge is separately stated and not treated as a processing fee.

Source: Lending to Agriculture Other Priority Sectors demand loan for financing against — Bank of Baroda
Page / section: Interest Rates & Charges, HTML lines 182–186; Charges, HTML lines 262–270
Accessed: 27 Sept 2026
Confidence: high

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Pre-closure and part-payment chargesThe product page lists pre-closure/prepayment as nil; its FAQ also says part-payment is allowed without charges.View source

Both the rate/charges section and state no prepayment or part-payment charge.

Source: Lending to Agriculture Other Priority Sectors demand loan for financing against — Bank of Baroda
Page / section: Interest Rates & Charges and — Pre-closure / Prepayment and part payment, HTML lines 192–194 and 276–278
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Short-term crop-production, allied-activity and other priority-sector credit against gold ornaments/jewellery or specially minted bank-sold gold coins
any purpose other than speculation is permitted.

Eligibility

Indian-resident individuals who own the pledged gold jewellery/ornaments or bank-sold minted coins
minted coins are limited to 50 grams per borrower. The states a 18–70 age range and local residents with a branch savings account.

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

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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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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.

TableParameter

Eligible borrower · Published detailIndividual Indian resident who is the true owner of eligible gold ornaments/jewellery or specially minted bank-sold gold coins

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

Source: Lending to Agriculture Other Priority Sectors — Agriculture Gold Loan · Features / Benefits / / 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 · 14 rows · 2 columnsAgriculture Gold Loan — published termsPublished borrower, gold, limit, tenure, repayment, rates, security and fee terms.View tableHide table

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Agriculture Gold Loan — published terms
Parameter	Published detail
Eligible borrower	Individual Indian resident who is the true owner of eligible gold ornaments/jewellery or specially minted bank-sold gold coins
Gold-coin limit	Maximum 50 grams per borrower
Facility	Demand loan, overdraft or
Purpose	Any purpose other than speculation
Maximum limit	₹25 lakh per borrower
tenure	12–36 months
Demand-loan repayment	Monthly interest; principal bullet payment at any time during tenure
repayment	Monthly
Rates	Demand loan + + 2.00%; overdraft + + 2.15%; + + 2.00%
Tiered rates	Up to ₹3 lakh: one-year + ; above ₹3–10 lakh: +0.25%; above ₹10–25 lakh: +0.50%
Security	Minimum 18-carat gold jewellery/ornaments
Processing	Up to ₹25,000 nil; above ₹25,000 to ₹25 lakh applicable charges +
Pre-closure/prepayment	Nil
Documents	Named checklist not published on the reviewed page

Lending to Agriculture Other Priority Sectors — Agriculture Gold Loan · Features / Benefits / / Interest Rates & Charges / · accessed 30 Aug 2026Open official source ↗

Table 2 · 6 rows · 2 columnsAgriculture Gold Loan rates shown on the product pageThe page first lists facility-specific BRLLR spreads, then a separate amount-tiered one-year-MCLR schedule without identifying its facility scope. Both are transcribed as published and are not reconciled here.View tableHide table

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Agriculture Gold Loan rates shown on the product page
Page row	Published rate
Demand Loan	+ + 2.00%
Overdraft	+ + 2.15%
	+ + 2.00%
Limit up to ₹3 lakh	One-year +
Limit above ₹3 lakh to ₹10 lakh	One-year + + 0.25%
Limit above ₹10 lakh to ₹25 lakh	One-year + + 0.50%

Lending to Agriculture Other Priority Sectors demand loan for financing against — Bank of Baroda · Interest Rates & Charges; HTML lines 174–201 · accessed 27 Sept 2026Open official source ↗

Table 3 · 5 rows · 2 columnsAgriculture Gold Loan processing and assaying chargesThe product page's MITC and FAQ show different processing schedules. The two are kept in separate rows as published; the source does not identify which controls.View tableHide table

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Agriculture Gold Loan processing and assaying charges
Page section / limit	Published charge
: up to ₹25,000	Nil
: above ₹25,000 to ₹25 lakh	Applicable charges + ; amount not stated in this row
: up to ₹3 lakh	Nil
: above ₹3 lakh to ₹25 lakh	0.25% of sanctioned limit + ; maximum ₹3,500 +
: assaying	₹0.50 per ₹100 net-assayed gold value; minimum ₹25 and maximum ₹350 per assaying

Lending to Agriculture Other Priority Sectors demand loan for financing against — Bank of Baroda · Interest Rates & Charges, HTML lines 182–186; Charges, HTML lines 262–270 · accessed 27 Sept 2026Open official source ↗

Table 4 · 1 row · 2 columnsAgri Gold Loan row in Bank of Baroda's central tariffSeparate current central tariff statement; it does not explain how this benchmark row relates to the product page's facility and amount schedules.View tableHide table

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Agri Gold Loan row in Bank of Baroda's central tariff
Sector	as listed
Agriculture Gold Loan	One year

Priority Sector Loans Interest Rates and Service Charges — Bank of Baroda · Agri Gold Loan table; HTML lines 404–409 · accessed 27 Sept 2026Open official source ↗

Lending to Agriculture Other Priority Sectors demand loan for financing against

What the official sources publish

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