Business, & agriculture finance

Scheme for financing Micro units engaged in Export

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Loan amountMinimum ₹5 lakh and maximum ₹7.50 crore.Export-credit rateFor Small and Micro export borrowers under the linked BOB MSME rate sheet: pre-shipment packing credit up to 270 days is BRLLR + SP + 0.50% for CR/CMR 1–3, +0.75% for CR/CMR 4–6 and +1.50% for CR/CMR 7–10. Post-shipment credit up to 180 days (including listed incentive, undrawn-balance and retention-money cases) is BRLLR + SP + 0.40%, +0.65% and +1.40% for those rating bands. Export credit not otherwise specified is BRLLR + SP + 5.85% for both pre- and post-shipment. BOB states BRLLR is 7.90% effective 6 December 2025 and SP is 0.25%; the applicable customer rate remains rating and sanction dependent.Customer typeNew (including takeovers from another bank) or existing Micro enterprise units engaged in exports. Eligible legal forms are proprietorship, partnership, private limited company, public limited company and LLP.

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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

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Eligible micro exportersNew (including takeovers from other banks) or existing micro enterprises engaged in exports; eligible constitutions are proprietorships, partnerships, private/public limited companies and LLPs.View source

The official scheme page lists the micro-exporter scope and eligible constitutions.

Source: Scheme for financing Micro units engaged in Export
Page / section: Eligibility
Accessed: 23 Aug 2026
Confidence: high

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Purpose and facilitiesExport-credit working capital through fund-based pre-shipment/post-shipment and non-fund-based limits.View source

The official page identifies export working capital and FB/NFB limits.

Source: Scheme for financing Micro units engaged in Export
Page / section: Purpose / Facility Type
Accessed: 23 Aug 2026
Confidence: high

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Age criteriaProprietor: minimum 25 years at application; individual guarantor: minimum 21 years at application; maximum 65 years at loan maturity.View source

The official age criteria distinguish proprietor, guarantor and maturity limits.

Source: Scheme for financing Micro units engaged in Export
Page / section: Age Criteria
Accessed: 23 Aug 2026
Confidence: high

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Loan amountMinimum ₹5 lakh and maximum ₹7.50 crore.View source

The official page publishes the ₹5 lakh–₹7.50 crore range.

Source: Scheme for financing Micro units engaged in Export
Page / section: Loan Amount
Accessed: 23 Aug 2026
Confidence: high

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Credit periodBased on the working-capital/debt-collection cycle; maximum 270 days for packing credit and 180 days for post-shipment credit.View source

The official period section publishes separate packing and post-shipment maxima.

Source: Scheme for financing Micro units engaged in Export
Page / section: Period
Accessed: 23 Aug 2026
Confidence: high

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Export marginPre-shipment margin 10%; post-shipment margin nil.View source

The official margin table publishes the pre- and post-shipment percentages.

Source: Scheme for financing Micro units engaged in Export
Page / section: Margin
Accessed: 23 Aug 2026
Confidence: high

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Customer typeNew (including takeovers from another bank) or existing Micro enterprise units engaged in exports. Eligible legal forms are proprietorship, partnership, private limited company, public limited company and LLP.View source

The Eligibility section lists all new/takeover or existing Micro units engaged in exports and names the five permitted constitutions.

Source: Scheme for Financing Micro Units Engaged in Export
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

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Turnover / classificationThe product page requires a Micro enterprise but does not state a separate scheme-specific turnover or vintage threshold. For classification context, BOB's MSME table defines Micro as plant/machinery/equipment investment up to ₹2.5 crore and turnover up to ₹10 crore, with export sales excluded from turnover; that is a classification ceiling, not an additional export-scheme promise.Effective 1 Jul 2020View source

The export scheme names Micro enterprises but does not repeat a turnover threshold; classification page supplies the current Micro classification ceiling and notes export sales are excluded.

Source: Loan — classification table
Page / section: Overview — Micro Enterprise
Accessed: 30 Aug 2026
Confidence: high

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Export-credit rateFor Small and Micro export borrowers under the linked BOB MSME rate sheet: pre-shipment packing credit up to 270 days is BRLLR + SP + 0.50% for CR/CMR 1–3, +0.75% for CR/CMR 4–6 and +1.50% for CR/CMR 7–10. Post-shipment credit up to 180 days (including listed incentive, undrawn-balance and retention-money cases) is BRLLR + SP + 0.40%, +0.65% and +1.40% for those rating bands. Export credit not otherwise specified is BRLLR + SP + 5.85% for both pre- and post-shipment. BOB states BRLLR is 7.90% effective 6 December 2025 and SP is 0.25%; the applicable customer rate remains rating and sanction dependent.Effective 6 Dec 2025View source

The linked rate sheet publishes the complete CR/ bands for pre-shipment and post-shipment export credit, ECNOS pricing, and 7.90% with 0.25% effective 06.12.2025.

Source: Loan Interest Rates
Page / section: Export credit in — Small and Micro enterprises; ECNOS; context
Accessed: 30 Aug 2026
Confidence: high

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Export chargesNo separate loan-processing fee is published for this scheme. The linked BOB service-charge schedule does publish applicable export transaction charges: export bills purchased/discounted/negotiated ₹1,000 below equivalent USD 25,000 and ₹1,500 at or above that amount, plus ₹100 per additional shipping bill; export-bill collection ₹250 up to equivalent USD 5,000, ₹750 from USD 5,001–25,000 and 0.0625% beyond USD 25,000 capped at ₹2,000, plus ₹100 per additional shipping bill; export certificates ₹100 each; export crystallisation ₹1,000 per bill; other document, overdue, extension, write-off and NOC charges follow the published schedule. Applicable taxes are extra where stated.Effective 10 Dec 2022View source

The official export-charge schedule publishes bill purchase, collection, certificate, NOC, extension, write-off, late-submission and crystallisation charges; it does not identify a scheme-specific loan-processing fee.

Source: Service Charges
Page / section: Forex Related Charges — Exports; rows 1–16
Accessed: 30 Aug 2026
Confidence: high

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DocumentsAs per Bank of Baroda's extant guidelines. The product page does not expose an itemized checklist or scheme-specific application PDF; the borrower should expect export-credit, KYC, constitution, financial, shipment and regulatory documents to be requested under the Bank's current guidelines, but those items are not enumerated on this page.View source

The Document Required section says only 'As per Bank's extant guidelines'; no checklist is included.

Source: Scheme for Financing Micro Units Engaged in Export
Page / section: Document Required
Accessed: 30 Aug 2026
Confidence: high

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Geographic limitsThe scheme is offered through Bank of Baroda's India MSME/export-credit network. No state, district, branch or territorial restriction is published; actual availability follows export eligibility, branch capability and sanction.View source

The official page publishes no narrower geographic condition; its facility is delivered through the Bank's export-credit branches.

Source: Scheme for Financing Micro Units Engaged in Export
Page / section: Complete product page
Accessed: 30 Aug 2026
Confidence: high

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Facility typesFund-based pre-shipment and post-shipment export-credit limits, plus non-fund-based limits.View source

The Facility Type row states FB (Pre-shipment/Post-shipment) and limits.

Source: Scheme for Financing Micro Units Engaged in Export
Page / section: Facility Type
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Export-credit working capital through fund-based pre-shipment/post-shipment and non-fund-based limits.

Eligibility

New (including takeovers from other banks) or existing micro enterprises engaged in exports
eligible constitutions are proprietorships, partnerships, private/public limited companies and .

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

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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₹17,695seventeen thousand six hundred ninety-five rupees

Interest paid over the full loan₹17,46,827seventeen lakh forty-six thousand eight hundred twenty-seven rupees

Everything you repay₹42,46,827forty-two lakh forty-six thousand eight hundred twenty-seven 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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TableTerm

Eligible units · Published conditionNew (including takeovers) or existing Micro enterprises engaged in exports

This value is copied from Micro Export Scheme — eligibility, limits, period and margin. Check the table notes before relying on it.

Source: Scheme for Financing Micro Units Engaged in Export · Eligibility; Purpose; Age Criteria; Facility Type; Loan Amount; Period; Margin; Deviation; Document Required 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 columnsMicro Export Scheme — eligibility, limits, period and marginComplete structured capture of the official product page's Eligibility section.View tableHide table

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Micro Export Scheme — eligibility, limits, period and margin
Term	Published condition
Eligible units	New (including takeovers) or existing Micro enterprises engaged in exports
Constitutions	Proprietorship, partnership, private limited company, public limited company,
Purpose	Export-credit working-capital requirements
Proprietor age	Minimum 25 years at application
Individual guarantor age	Minimum 21 years at application
Maximum age	65 years at loan maturity
Facility	Fund-based pre-shipment/post-shipment and non-fund-based limits
Loan amount	Minimum ₹5 lakh; maximum ₹7.50 crore
Packing credit period	Working-capital cycle; maximum 270 days
Post-shipment period	Working-capital/debt-collection cycle; maximum 180 days
Pre-shipment margin	10%
Post-shipment margin	Nil
Deviation	As per GCEMP and Bank's extant guidelines
Documents	As per Bank's extant guidelines

The page does not publish a separate product-specific collateral or loan-processing-fee schedule.

Scheme for Financing Micro Units Engaged in Export · Eligibility; Purpose; Age Criteria; Facility Type; Loan Amount; Period; Margin; Deviation; Document Required · accessed 30 Aug 2026Open official source ↗

Table 2 · 4 rows · 4 columnsExport Credit in INR — Small and Micro enterprise rate matrixThe complete rating/tenor rows applicable to the scheme's pre-shipment and post-shipment export-credit facilities.View tableHide table

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Export Credit in INR — Small and Micro enterprise rate matrix
Credit category	Pre-shipment up to 270 days	Post-shipment up to 180 days	ECNOS
CR 1–3 or 1–3	+ + 0.50%	+ + 0.40%	+ + 5.85%
CR 4–6 or 4–6	+ + 0.75%	+ + 0.65%	+ + 5.85%
CR 7–10 or 7–10	+ + 1.50%	+ + 1.40%	+ + 5.85%
Current benchmark context	7.90% + 0.25% (effective 06.12.2025)	7.90% + 0.25% (effective 06.12.2025)	Final rate remains rating/sanction dependent

The official rate sheet's post-shipment row also covers listed incentive, undrawn-balance and retention-money cases; ECNOS means export credit not otherwise specified.

Loan Interest Rates · Export credit in — Small and Micro enterprises; ECNOS; context · effective 6 Dec 2025 · accessed 30 Aug 2026Open official source ↗

Table 3 · 16 rows · 2 columnsExport-related service charges relevant to the schemePublished BOB charges for export bills and related documents; these are transaction charges, not a scheme-specific processing fee.View tableHide table

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Export-related service charges relevant to the scheme
Service	Published charge
Foreign-currency or rupee export bill purchased/discounted/negotiated	₹1,000 below equivalent USD 25,000; ₹1,500 at or above; plus ₹100 per additional shipping bill
Forwarding export documents to another bank	₹1,000 per bill plus ₹100 per additional shipping bill
Reimbursement claim under export with another AD bank	₹500 per claim
Export bill sent for collection	₹250 up to equivalent USD 5,000; ₹750 from USD 5,001–25,000; 0.0625% above USD 25,000 capped at ₹2,000; plus ₹100 per additional shipping bill
Merchant trade export transaction	₹3,000 per export bill
Advance remittance against exports	₹200 per remittance
Export-related certificate	₹100 per certificate
NOC for discounting export bills with another bank	₹1,000 per bill
Net-off/set-off against import of goods	₹1,000 per shipping bill
Extension beyond 270 days from shipping-bill date	Nil up to 270 days; ₹1,000 per extension beyond 270 days
GR waiver certificate	₹500 per certificate
Write-off of export bills	Nil for bank-charge/self write-off; ₹1,000 per shipping bill for other cases
Late document submission	₹100 per shipping bill beyond 30 days up to 3 months; ₹500 beyond 3 months
Crystallisation of export bill	₹1,000 per bill
Overdue export bill	₹500 per bill per quarter until realisation
Follow-up after advance remittance	₹250 per remittance per quarter after one year for remittances received on/after 01.01.2019; exceptions apply

The service-charge schedule states applicable taxes/ are extra where specified and carries an effective/revision date of 10.12.2022 for the export section.

Service Charges · Forex Related Charges — Exports · effective 10 Dec 2022 · accessed 30 Aug 2026Open official source ↗

Scheme for financing Micro units engaged in Export

What the official sources publish

Benefits and features

Eligibility

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