Business, & agriculture finance

Scheme for Financing -

Get the funding you need to grow your microfinance business with Bank of Baroda’s scheme for in India. Check out the website to know more about - scheme.

Interest rateUp to ₹3 lakh: one-year MCLR + SP + 0.50%. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP + 1.50%. At ₹25 lakh and above, the spread depends on internal credit rating: CR-1 +1.40%, CR-2 +1.65%, CR-3 +1.90%, CR-4 +2.40%, CR-5 +3.40%, and CR-6 or below +5.40%.Customer typeNBFC-MFIs engaged in on-lending to individuals or groups for uses eligible for priority-sector classification under Agriculture, Micro, Small and Medium Enterprises and other applicable categories, subject to RBI criteria.CollateralPrimary security is an exclusive charge/assignment over loan assets or book debts funded from the Bank loan. Collateral is a cash deposit of at least 10% of sanctioned limit in a term deposit, with lien in Bank of Baroda's favour for principal and credited interest. A personal guarantee of main promoters/directors may be taken, but the page says it need not be insisted upon.

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✓ Manually checked 30 Aug 2026 · active

Scheme for Financing NBFC-MFIs official banner

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.

NBFC-MFI borrower profileNBFC-MFIs engaged in on-lending to individuals or groups for activities eligible for Priority Sector classification under Agriculture, MSME and other RBI-defined categories.View source

The official scheme guidelines define eligible - by their Priority Sector on-lending activity.

Source: Scheme for Financing -
Page / section: Guidelines — Purpose/Parameters
Accessed: 23 Aug 2026
Confidence: high

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On-lending purposeProvide demand or term finance to NBFC-MFIs for onward lending to qualifying individuals and groups under RBI Priority Sector criteria.View source

The official guidelines state the on-lending purpose and facility types.

Source: Scheme for Financing -
Page / section: Guidelines — Purpose / Nature of Facility
Accessed: 23 Aug 2026
Confidence: high

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Margin10% on book debts created from funds borrowed from Bank of Baroda.View source

The official Margin row states 10% on book debts created out of funds borrowed from the bank.

Source: Scheme for Financing -
Page / section: Guidelines — Margin
Accessed: 30 Aug 2026
Confidence: high

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Primary and collateral securityExclusive assignment/charge over loan assets or book debts funded by the bank, plus minimum 10% cash collateral in a term deposit under lien for the loan tenure; promoter/director personal guarantees may be taken but need not be insisted upon.View source

The official security guidance describes the exclusive book-debt charge, term-deposit collateral and guarantee treatment.

Source: Scheme for Financing -
Page / section: Guidelines — Security
Accessed: 23 Aug 2026
Confidence: high

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Customer typeNBFC-MFIs engaged in on-lending to individuals or groups for uses eligible for priority-sector classification under Agriculture, Micro, Small and Medium Enterprises and other applicable categories, subject to RBI criteria.View source

The official Purpose row limits the scheme to - on-lending to individuals/groups that qualifies for priority-sector advance under the listed categories and criteria.

Source: Scheme for Financing -
Page / section: Guidelines — Purpose
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

CollateralPrimary security is an exclusive charge/assignment over loan assets or book debts funded from the Bank loan. Collateral is a cash deposit of at least 10% of sanctioned limit in a term deposit, with lien in Bank of Baroda's favour for principal and credited interest. A personal guarantee of main promoters/directors may be taken, but the page says it need not be insisted upon.View source

The Security row publishes the exclusive book-debt charge, 10% term-deposit cash collateral with lien and the conditional promoter/director guarantee.

Source: Scheme for Financing -
Page / section: Guidelines — Security
Accessed: 30 Aug 2026
Confidence: high

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Geographic limitsThe product is presented under Bank of Baroda Rural and Agri Banking for priority-sector on-lending in India. No state, district, branch or territorial restriction is published.View source

The product page is published for the India Rural and Agri Banking catalogue and states no geographic exclusion.

Source: Scheme for Financing -
Page / section: Complete page reviewed
Accessed: 30 Aug 2026
Confidence: high

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FacilitiesDemand loan and term loan for NBFC-MFI on-lending to qualifying priority-sector borrowers.View source

The official Nature of Facility row lists demand loan and term loan.

Source: Scheme for Financing -
Page / section: Guidelines — Nature of Facility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

The current - guidelines table and priority schedule D.10 show the same two amount-based spreads and six rating bands; the existing full guidelines table already preserves each row.

Source: Scheme for Financing - — Bank of Baroda
Page / section: Guidelines — Rate of Interest; priority schedule D.10
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Provide demand or term finance to - for onward lending to qualifying individuals and groups under Priority Sector criteria.

Eligibility

- engaged in on-lending to individuals or groups for activities eligible for Priority Sector classification under Agriculture, and other -defined categories.

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₹13,126thirteen thousand one hundred twenty-six rupees

Interest paid over the full loan₹6,50,268six lakh fifty thousand two hundred sixty-eight rupees

Everything you repay₹31,50,268thirty-one lakh fifty thousand two hundred sixty-eight 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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Particulars

Purpose · Guidelines under the schemeOn-lending to individuals/groups eligible for priority-sector advance under Agriculture, Micro, Small and Medium Enterprises and other categories

This value is copied from Scheme for Financing - — published guidelines. Check the table notes before relying on it.

Source: Scheme for Financing - · Guidelines; Most Important Terms & Conditions () 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 columnsScheme for Financing NBFC-MFIs — published guidelinesComplete Guidelines table and the published security terms retained from the official product page.View tableHide table

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Scheme for Financing NBFC-MFIs — published guidelines
Particulars	Guidelines under the scheme
Purpose	On-lending to individuals/groups eligible for priority-sector advance under Agriculture, Micro, Small and Medium Enterprises and other categories
Nature of facility	Demand loan; term loan
Rate up to ₹3 lakh	One-year + + 0.50%
Rate above ₹3 lakh and below ₹25 lakh	One-year + + 1.50%
Rate ₹25 lakh and above — CR-1	One-year + + 1.40%
Rate ₹25 lakh and above — CR-2	One-year + + 1.65%
Rate ₹25 lakh and above — CR-3	One-year + + 1.90%
Rate ₹25 lakh and above — CR-4	One-year + + 2.40%
Rate ₹25 lakh and above — CR-5	One-year + + 3.40%
Rate ₹25 lakh and above — CR-6 and below	One-year + + 5.40%
Margin	10% on book debts created from borrowed funds
Primary security	Exclusive charge over loan assets/book debts funded by the Bank loan; assignment of funded book debt
Collateral	Cash collateral of minimum 10% of sanctioned limit as term deposit, lien in Bank's favour; promoter/director personal guarantee may be waived
	Coming Soon on the reviewed page; no separate fee or document table published

and are used exactly as published; the page does not define or publish a numeric loan-tenure, fee or document schedule.

Scheme for Financing - · Guidelines; Most Important Terms & Conditions () · accessed 30 Aug 2026Open official source ↗

Scheme for Financing -

What the official sources publish

Benefits and features

Eligibility

Related official documents

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Loan repayment estimate

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Complete rates, limits and schedules

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