Business, & agriculture finance

Capex Loan and Capex Card

capex loan and capex card by Bank of Baroda can be used for replacement of old machinery, modernization, research and development etc. Click here to know more and get one right away!

Facility amount and exposure limitCapex Card: ₹25 lakh–₹5 crore. Capex Loan: ₹25 lakh–₹2 crore. In addition, manufacturing exposure is capped at 25% of gross plant-and-machinery block as per the last audited balance sheet; service-sector exposure is 10% of working capital based on DSCR and subject to the cap.Interest rateThe shared MSME rate matrix is amount-, borrower-band-, rating- and security-dependent. For regulatory limits up to ₹25 lakh it uses BRLLR + Strategic Premium (SP) with micro/small/medium spreads by amount; above ₹25 lakh to ₹7.50 crore it publishes a regulatory range of BRLLR + 0.30% to BRLLR + SP + 7.45%, and a non-regulatory range of MCLR + 0.45% to MCLR + SP + 7.45%, by CMR and hard-security coverage. BRLLR is 7.90% p.a. and SP is 0.25%, effective 6 December 2025. The Bank's Capex page requires BOB-5 or above but does not map that label to a CMR band, so a single borrower rate cannot be calculated from the published inputs.Customer typeRegulatory MSME borrowers and expanded SME borrowers rated BOB-5 or above. Manufacturing and service units must have operated in the same line of activity for at least 2 years, maintained satisfactory account dealings for at least 1 year and have no adverse account-conduct features.

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✓ Manually checked 11 Sept 2026 · active

MSME Capex Loan and Capex Card official product image

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.

Interest rateThe shared MSME rate matrix is amount-, borrower-band-, rating- and security-dependent. For regulatory limits up to ₹25 lakh it uses BRLLR + Strategic Premium (SP) with micro/small/medium spreads by amount; above ₹25 lakh to ₹7.50 crore it publishes a regulatory range of BRLLR + 0.30% to BRLLR + SP + 7.45%, and a non-regulatory range of MCLR + 0.45% to MCLR + SP + 7.45%, by CMR and hard-security coverage. BRLLR is 7.90% p.a. and SP is 0.25%, effective 6 December 2025. The Bank's Capex page requires BOB-5 or above but does not map that label to a CMR band, so a single borrower rate cannot be calculated from the published inputs.Effective 6 Dec 2025View source

The current product page sets capex limits at ₹25 lakh–₹5 crore and eligibility at regulatory / expanded rated -5 or above. The previously reviewed shared rate matrix covers the corresponding up-to-₹7.50-crore bands, while the exact , security band and any mapping of -5 to are not published on the capex page.

Source: Loan Interest Rates — Bank of Baroda current rate matrix
Page / section: Regulatory and non-regulatory limits through ₹7.50 crore; and reference
Accessed: 26 Sept 2026
Confidence: high

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Processing fee — term-loan componentFor the 3–7 year Capex Loan term facility: nil up to ₹25,000; above ₹25,000 to ₹1 crore, 1% of the sanctioned limit; above ₹1 crore, 0.50%–2.00% by CMR. The tariff caps priority-sector charges at ₹100 lakh and exporter charges at ₹50 lakh; other advances have no cap. Term-loan review is 0.10% without a cap. The product page does not say whether these term-loan charges also govern the separate Capex Card.Effective 3 May 2024View source

The Capex page publishes a three-to-seven-year repayment period and distinct Capex Loan and Capex Card limits. Tariff row 1(B) covers term loans over one year and publishes the listed amount/ charges; the product page does not classify the separate Capex Card for processing-charge purposes. The schedule excludes .

Source: Service Charges — Bank of Baroda
Page / section: Annexure II — Advances (), row 1(B), term/DL/TL/DPG facilities over one year
Accessed: 26 Sept 2026
Confidence: high

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Customer typeRegulatory MSME borrowers and expanded SME borrowers rated BOB-5 or above. Manufacturing and service units must have operated in the same line of activity for at least 2 years, maintained satisfactory account dealings for at least 1 year and have no adverse account-conduct features.View source

The current eligibility block sets the regulatory /expanded and -5-or-above rating conditions, two years in the same activity, one year of satisfactory account dealings and no adverse account conduct.

Source: Capex Loan and Capex Card — Bank of Baroda
Page / section: Terms and Conditions — Eligibility
Accessed: 27 Sept 2026
Confidence: high

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EligibilityRegulatory MSME and expanded SME borrowers rated BOB-5 or above; manufacturing/service units must have operated in the same activity for at least 2 years, maintained satisfactory account dealings for at least 1 year and have no adverse account-conduct features.View source

The current eligibility block sets the regulatory /expanded and -5-or-above rating conditions, two years in the same activity, one year of satisfactory account dealings and no adverse account conduct.

Source: Capex Loan and Capex Card — Bank of Baroda
Page / section: Terms and Conditions — Eligibility
Accessed: 27 Sept 2026
Confidence: high

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The current Limit section gives separate card and loan ranges and distinct manufacturing and service-sector exposure formulas; the service formula is explicitly subject to a cap.

Source: Capex Loan and Capex Card — Bank of Baroda
Page / section: Terms and Conditions — Limit
Accessed: 27 Sept 2026
Confidence: high

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Permitted capital expenditureReplacement of old machinery; balancing equipment; modernisation; research and development; captive power plants; technology upgrades; factory or office layout changes; software, hardware, tools, jigs and fixtures forming part of plant and machinery; and cars, passenger cars for staff, and other vehicles for business use.View source

The current Purpose section lists these uses as capital expenditure for regular business activity.

Source: Capex Loan and Capex Card — Bank of Baroda
Page / section: Features — Purpose
Accessed: 27 Sept 2026
Confidence: high

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Margin30% for land and building; 25% for plant and machinery.View source

The current Margin row gives separate percentages for land/building and plant/machinery; this contribution margin is not treated as a collateral/security statement.

Source: Capex Loan and Capex Card — Bank of Baroda
Page / section: Terms and Conditions — Margin
Accessed: 27 Sept 2026
Confidence: high

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Repayment period3–7 years, including the moratorium period.View source

The current Repayment section sets 3 to 7 years and says the period includes the moratorium.

Source: Capex Loan and Capex Card — Bank of Baroda
Page / section: Terms and Conditions — Repayment
Accessed: 27 Sept 2026
Confidence: high

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Facility typesFund-based MSME Capex Loan and Capex Card, plus non-fund-based limits such as letters of credit within the overall aggregate exposure limit.View source

The Limit section says the facility is made available as fund-based/non-fund-based limits, including letters of credit, within the overall exposure cap.

Source: Capex Loan and Capex Card — Bank of Baroda
Page / section: Terms and Conditions — Limit
Accessed: 27 Sept 2026
Confidence: high

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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

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Benefits and features

Replacement of old machinery
balancing equipment
modernisation
captive power plants
technology upgrades
factory or office layout changes
software, hardware, tools, jigs and fixtures forming part of plant and machinery
and cars or other business vehicles.

Eligibility

Regulatory borrowers and expanded borrowers rated -5 or above. Manufacturing or service units must have operated in the line of activity for at least 2 years, maintained satisfactory account dealings for at least 1 year and have no adverse account-conduct features.

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₹20,063twenty thousand sixty-three rupees

Interest paid over the full loan₹23,15,232twenty-three lakh fifteen thousand two hundred thirty-two rupees

Everything you repay₹48,15,232forty-eight lakh fifteen thousand two hundred thirty-two 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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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.

TableTerm

Purpose · Published conditionReplacement/modernisation of machinery, balancing equipment, R&D, captive power, technology upgrades, factory/office layout changes, software/hardware/tools/jigs/fixtures and business vehicles

This value is copied from Capex Loan and Capex Card — published terms. Check the table notes before relying on it.

Source: Capex Loan and Capex Card · Features — Purpose; Terms and Conditions — Eligibility, Limit, Margin, Repayment Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 2 columnsMSME Capex Loan and Capex Card — published termsComplete structured capture of the official Purpose and Terms and Conditions sections.View tableHide table

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MSME Capex Loan and Capex Card — published terms
Term	Published condition
Purpose	Replacement/modernisation of machinery, balancing equipment, R&D, captive power, technology upgrades, factory/office layout changes, software/hardware/tools/jigs/fixtures and business vehicles
Eligibility	Regulatory and (Expanded) rated -5 and above; minimum 2 years in same activity; account satisfactory for at least 1 year; no adverse conduct
manufacturing limit	25% of gross block of plant and machinery as per last audited balance sheet
Service-sector limit	10% of working capital based on and subject to cap
Capex card	Minimum ₹25 lakh; maximum ₹5 crore
Capex loan	Minimum ₹25 lakh; maximum ₹2 crore
Facility structure	Fund-based and non-fund-based limits, including letters of credit, within aggregate exposure
Margin	30% land and building; 25% plant and machinery
Repayment	3 to 7 years including the moratorium period
Sales/marketing	Bank may use agents for sales/marketing of products

The product page itself has no numeric pricing/fee section. Current rate-matrix and service-charge schedules are linked separately and apply only under their stated bands and facility conditions; the term-loan fee is not assumed to cover the separate Capex Card.

Capex Loan and Capex Card · Features — Purpose; Terms and Conditions — Eligibility, Limit, Margin, Repayment · accessed 26 Sept 2026Open official source ↗

Table 2 · 19 rows · 2 columnsAnnexure II — Bank of Baroda MSME advances service-charge scheduleFull MSME advances schedule reviewed on the official service-charges page; each charge is conditional on its stated facility type or event.View tableHide table

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Annexure II — Bank of Baroda MSME advances service-charge schedule
Charge / event	Published charge and conditions
1(A) FB/NFB working-capital processing	Up to ₹25,000: nil. Above ₹25,000, fresh/review: 1–2 0.20%; 3–4 0.30%; 5 0.35%; 6 0.40%; 7 and below 1.00%. Caps: priority sector ₹35 lakh; exporters ₹17.50 lakh; other advances no cap. required for regulatory/expanded aggregate limits above ₹25 lakh to ₹7.50 crore.
1(B) DL/TL/DPG/corporate loans over 1 year and HAM term loans	Up to ₹25,000: nil. Above ₹25,000 to ₹1 crore (fresh sanction): 1% of sanctioned limit. Above ₹1 crore (fresh): 1–2 0.50%; 3–4 0.85%; 5 1.00%; 6 1.10%; 7 and below 2.00%. Caps: priority sector ₹100 lakh; exporters ₹50 lakh; other advances no cap. Term-loan review: 0.10% without cap.
1(C) Real-estate advances / future rent receivables	2% of limit without cap; future-rent-receivables facilities above ₹20 crore are also 2% without cap.
1(D) Review/annual review	Short-term loan, DL, corporate loan, TL or DPG: 0.10% without cap.
1(E) Agreement in principle	Up to ₹5 crore: nil; above ₹5 crore to ₹10 crore: ₹1.5 lakh; above ₹10 crore to ₹25 crore: ₹3.5 lakh; above ₹25 crore: ₹5 lakh.
1(F) Funded commitment charges	No charge when annual average utilisation is at least 60% of limits. Below 60%: customers submitting QIS statements pay 0.75% on the unused portion relative to 60% of limits; customers not submitting QIS pay 0.50% on unused portion relative to total limits. Recover pro-rata on closure.
1(F) Non-funded commitment charges	For non-utilised/under-utilised NFB facilities of ₹1 crore or more: 0.25% p.a. on the unused portion. No separate charge where average utilisation is at least 60% or as indicated in the QIS statement.
2 Documentation (fund-based corporate accounts)	Above ₹1 crore: 0.10% of limit, maximum ₹1,00,000.
3 Borrower-induced credit opinion	₹500; foreign banks: USD 100.
4 Interchangeability of limits	0.25% of interchangeable amount; minimum ₹5,000, maximum ₹50,000.
5 NOC for charge/pari-passu matters	Up to ₹25 lakh: ₹1,000; above ₹25 lakh to ₹1 crore: ₹10,000; above ₹1 crore to ₹10 crore: ₹20,000; above ₹10 crore: ₹50,000. Stated consortium exception applies.
6 Escrow / TRA account	Annual charge based on the Bank's share in limits: up to ₹5 crore ₹1 lakh; above ₹5 crore to ₹10 crore ₹2 lakh; above ₹10 crore ₹5 lakh.
7 Mortgage creation	For non-retail, non-priority borrowers, per borrowing entity with FB+NFB limits: up to ₹1 crore ₹5,000; above ₹1 crore to ₹10 crore ₹20,000; above ₹10 crore to ₹25 crore ₹25,000; above ₹25 crore to ₹100 crore ₹1 lakh; above ₹100 crore ₹2 lakh, plus actual expenses. Per-instance; specified extensions/substitutions also chargeable.
8 Customer-induced modification	Per proposal: up to ₹1 crore ₹5,000; ₹1 crore to ₹10 crore ₹15,000; above ₹10 crore ₹50,000. Not for changes not discussed with/accepted by the customer at sanction/review.
9 Sanction revalidation	Working capital: 50% of applicable processing charge, no cap. Term loan: 30% of applicable upfront charge, no cap. Not applicable to Export Finance.
10 Lead bank — consortium	0.30% of total assessed FB+NFB limits; minimum ₹5 lakh, maximum ₹50 lakh.
11 Copies for statutory-authority submission	Actual photocopying charges + ₹1,000.
12 Bank official presence for document copies	Actual photocopying charges + ₹2,000 + out-of-pocket expenses.
Consortium meeting	₹10,000 plus actual expenses per meeting.

All charges exclude applicable and are subject to the Bank's policy and permitted deviations. This is a shared tariff: individual charges apply only when the facility, rating band, limit, term or event in that row matches; it is not a list of charges automatically payable on every product.

Service Charges — Bank of Baroda · Annexure II — , rows A–F and additional items 2–12; introduction of new service charge · effective 3 May 2024 · accessed 26 Sept 2026Open official source ↗

Table 3 · 7 rows · 2 columnsBOB MSME lending-rate matrix — relevant bandsThe shared official matrix already reviewed for MSME loans; the Capex product's published maximum ₹5 crore falls within its above-₹25-lakh to ₹7.50-crore range.View tableHide table

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BOB MSME lending-rate matrix — relevant bands
Exposure / borrower band	Published rate formula
Regulatory up to ₹50,000	Micro: + ; Small: + + 2.00%; Medium: + + 2.70%
Regulatory above ₹50,000 to ₹2 lakh	Micro: + + 2.00%; Small: + + 2.20%; Medium: + + 2.70%
Regulatory above ₹2 lakh to ₹10 lakh	Micro: + + 2.20%; Small: + + 2.35%; Medium: + + 2.70%
Regulatory above ₹10 lakh to ₹25 lakh	Micro: + + 2.35%; Small: + + 2.50%; Medium: + + 2.70%
Above ₹25 lakh to ₹7.50 crore	/hard-security matrix: regulatory + 0.30% to + + 7.45%; non-regulatory + 0.45% to + + 7.45%
reference	7.90% p.a. effective 6 December 2025; is 0.25%
Final pricing	Depends on limit, regulatory status, and hard-security coverage

The Capex page does not state a assignment for the -5-or-above eligibility condition, nor identify which rate band applies to an individual borrower. No single effective rate is inferred.

Loan Interest Rates — Bank of Baroda current rate matrix · Regulatory and non-regulatory rates through ₹7.50 crore; / reference · effective 6 Dec 2025 · accessed 26 Sept 2026Open official source ↗

Capex Loan and Capex Card

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Loan repayment estimate

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Complete rates, limits and schedules

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