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Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit

Bank of Baroda offers overdraft scheme for working capital assistance to the food agro processing unit under Agriculture. Visit to know more about working capital overdraft facility.

Credit-rating-linked rateBRLLR plus spread by internal credit rating: CR-1 +0.65%, CR-2/CR-3 +0.70%, CR-4/CR-5 +0.90%, and CR-6 or below +1.15%.Customer typeFarmers, agricultural enterprises and eligible rural borrowersUnified processing and documentation fee₹175 per lakh, representing a 50% concession in processing and documentation charges.
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Quick eligibility check

Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit

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: New, existing or takeover food and agro-based processing units operated by individuals, proprietorships, partnerships, private/public limited companies or LLPs?

Published source: Eligible food and agro processors

2Do you meet this requirement: If trading is also undertaken, trading sales must not exceed 49% of total annual sales and the working-capital limit must be under sole banking arrangement?

Published source: Eligible food and agro processors

3Do you meet this requirement: quotation/invoice?

Published source: Documents

4Do you meet this requirement: land records?

Published source: Documents

5Do you meet this requirement: project report?

Published source: Documents

6Document checkDo you have this required document or proof: KYC documents (Aadhaar, Voter ID, PAN Card, Driving Licence etc.)?

Published source: Documents

7Document checkDo you have this required document or proof: passport-size photo?

Published source: Documents

8Document checkDo you have this required document or proof: quotation/invoice?

Published source: Documents

9Document checkDo you have this required document or proof: land records?

Published source: 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.

Eligible food and agro processorsNew, existing or takeover food and agro-based processing units operated by individuals, proprietorships, partnerships, private/public limited companies or LLPs. If trading is also undertaken, trading sales must not exceed 49% of total annual sales and the working-capital limit must be under sole banking arrangement.View source
The official eligibility section lists legal forms, takeover eligibility and the 49% trading-sales ceiling.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
Eligibility Criteria
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Working-capital purposeWorking-capital finance for food and agro-based processing units; the overdraft is secured against land and building, with letter-of-credit and bank-guarantee limits potentially earmarked from the overdraft.View source
The official features and describe working-capital use and overdraft structure.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
Features / — Nature of facility
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Limit by locationMinimum ₹10 lakh; maximum ₹1 crore in rural areas, ₹3 crore in semi-urban areas and ₹4 crore in urban/metro areas.View source
The publishes the minimum and location-wise maximum limits.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
— Limit
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Property margin40% of the realisable value of the mortgaged property; two valuations are required above ₹2 crore and the lower valuation is used.View source
The official page states 40% margin and the two-valuation rule.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
Benefits / — Margin
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Facility period12 months.View source
The states a 12-month period.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
— Period
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Unified processing and documentation fee₹175 per lakh, representing a 50% concession in processing and documentation charges.View source
The official page states a unified upfront/documentation fee of Rs. 175 per lakh and 50% concession.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
Benefits / Fees & Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Cheque collection concession100% waiver of collection charges on cheques issued in favour of the borrower by Food Corporation of India or Cotton Corporation of India.View source
The official page publishes a full waiver for qualifying cheque collections.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
Benefits / Fees & Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Security packageMortgage of eligible factory land/building or qualifying property of the unit/promoters/close relatives who stand as guarantors, plus hypothecation of stock and book debts and personal guarantees; third-party guarantee is at the sanctioning authority's discretion.View source
The enumerates mortgage, hypothecation and guarantee requirements.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
— Security
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Credit-rating-linked rateBRLLR plus spread by internal credit rating: CR-1 +0.65%, CR-2/CR-3 +0.70%, CR-4/CR-5 +0.90%, and CR-6 or below +1.15%.View source
The official rate table links the spread to the internal credit rating.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
— Rate of Interest
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Turnover / vintageNo numeric turnover, revenue or operating-vintage threshold is published. New and existing food and agro-based processing units are eligible; if trading is also undertaken, trading sales must not exceed 49% of total sales in a financial year.View source
The eligibility section sets the 49% trading-sales condition but publishes no turnover or vintage amount.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
Eligibility Criteria
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
DocumentsKYC documents such as Aadhaar, Voter ID, PAN Card or Driving Licence; passport-size photograph; quotation/invoice; land records; project report; IT Return; and other documents as required by the Bank.View source
The official document section lists seven document groups, including other documents as required by the Bank.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
Document Required
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsNo state, district or territorial restriction is published. The scheme is presented for eligible food and agro-processing units under Bank of Baroda’s agriculture banking segment.View source
The complete page specifies eligible legal forms and food/agro activities but no territorial boundary.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
Page / section
Complete page review
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Customer typeFarmers, agricultural enterprises and eligible rural borrowersView source
The manually reviewed product record states: “Farmers, agricultural enterprises and eligible rural borrowers”.
Source
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Working-capital finance for food and agro-based processing units
  • the overdraft is secured against land and building, with letter-of-credit and bank-guarantee limits potentially earmarked from the overdraft.

Eligibility

  • New, existing or takeover food and agro-based processing units operated by individuals, proprietorships, partnerships, private/public limited companies or . If trading is also undertaken, trading sales must not exceed 49% of total annual sales and the working-capital limit must be under sole banking arrangement.

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

Documents the bank lists

  • documents (Aadhaar, Voter , Card, Driving Licence etc.)
  • passport-size photo
  • quotation/invoice
  • land records
  • project report
  • IT Return
  • other documents as required by Bank

Related official documents

Rural & Agri loan catalogue — Financing Irrigation entryofficial-product-catalogue · Targeted eligibility cross-check for Financing Irrigation · accessed 28 Sept 2026
↗
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit — official product pageofficial-product-page · current · accessed 30 Aug 2026
↗
Priority Sector Loans Interest Rates — Farm Credit A.1 schedule and scope footnoteofficial-interest-rate-page · Targeted current A.1 comparison; product-page rate rows remain primary and tariff scope is explicitly qualified · accessed 28 Sept 2026
↗

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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

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Eligible units · Published detailNew/existing food and agro-processing units, including individuals, proprietorships, partnerships, private/public limited companies and

This value is copied from bob Agrofood overdraft — published terms. Check the table notes before relying on it.

Source: Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit · Benefits / Eligibility / Documents / Fees / Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 12 rows · 2 columnsbob Agrofood overdraft — published termsPublished eligibility, limit, margin, facility, security, rates and charges.View tableHide table

Scroll sideways to view every column

bob Agrofood overdraft — published terms
ParameterPublished detail
Eligible unitsNew/existing food and agro-processing units, including individuals, proprietorships, partnerships, private/public limited companies and
Trading-sales conditionIf trading is also undertaken, trading sales must not exceed 49% of total sales in a financial year; working-capital limit under sole-banking arrangement
PurposeWorking-capital requirements
FacilityOverdraft against land and building; sanctioning authority may allow / non-fund-based limits within overdraft
LimitMinimum ₹10 lakh; maximum ₹100 lakh rural, ₹300 lakh semi-urban, ₹400 lakh urban/metro
Margin40% of realizable value of mortgaged property; where valuation exceeds ₹200 lakh, two valuations are obtained and lower value considered
Period12 months
SecurityMortgage of factory land/building or eligible promoter/close-relative property with guarantor; hypothecation of stock and book debts; personal guarantee of promoter directors/property owners; third-party guarantee at sanctioning authority discretion
RateCR-1 ++0.65%; CR-2/3 +0.70%; CR-4/5 +0.90%; CR-6 and below +1.15%
Processing/documentationUnified upfront processing and documentation fee ₹175 per lakh (50% concession)
Cheque collection100% waiver for cheques issued in borrower’s favour by Food Corporation of India or Cotton Corporation of India
Documents, photo, quotation/invoice, land records, project report, IT Return and other Bank-required documents
Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit · Benefits / Eligibility / Documents / Fees / · accessed 30 Aug 2026Open official source ↗

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