IndiaBanks.org · independent research

Business, & agriculture finance

Scheme For Professionals

Apply for professional loan at Bank of Baroda to get benefit from attractive interest rates. Secure your financial needs with hassle-free online application for professional loans.

Facility amountRural and semi-urban areas: ₹5 lakh minimum; urban and metro areas: ₹10 lakh minimum; maximum ₹5 crore.Pricing basisCompetitive pricing linked to the repo rate or MCLR.Customer typeEligible micro, small and medium enterprises
Official product page ↗Compare category

Quick eligibility check

Scheme For Professionals

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: Professional degree from a recognised university?

Published source: Eligibility

2Do you meet this requirement: minimum bureau score 700?

Published source: Eligibility

3Does your age meet this requirement: borrower age 21 years minimum and 65 years maximum at loan maturity?

Published source: Eligibility

4Can you provide this required proof: other application documents are not listed?

Published source: Required documents

5Do you meet this requirement: Eligible micro, small and medium enterprises?

Published source: Customer type

6Document checkDo you have this required document or proof: Latest ITR showing taxable income?

Published source: Required documents

7Document checkDo you have this required document or proof: Recognised professional degree?

Published source: Required documents

8Document checkDo you have this required document or proof: at least 3 years’ experience in the respective field (for CA/CS/ICWA, 3 years from the certificate-of-practice date)?

Published source: Eligibility

9Document checkDo you have this required document or proof: The reviewed product page does not publish a product-specific document checklist?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 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.

EligibilityProfessional degree from a recognised university; at least 3 years’ experience in the respective field (for CA/CS/ICWA, 3 years from the certificate-of-practice date); minimum bureau score 700; borrower age 21 years minimum and 65 years maximum at loan maturity.View source
The page lists a recognised professional degree, 3 years’ experience, bureau score 700, minimum age 21 and maximum age 65 at maturity.
Source
Scheme For Professionals
Page / section
Eligibility; Age of the borrower
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Permitted usesWorking capital, equipment purchase/expansion/renovation, construction of an office on self-owned land, purchase of a ready-built new office and non-fund-based facilities.View source
The official purpose section lists the working-capital, equipment, premises and NFB uses.
Source
Scheme For Professionals
Page / section
Terms and Conditions — Purpose
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Age rangeMinimum age 21; maximum age 65 at loan maturity.View source
The official publishes the minimum age and maximum age at maturity.
Source
Scheme For Professionals
Page / section
Terms and Conditions — Age
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Loan amountMinimum ₹5 lakh in rural/semi-urban areas or ₹10 lakh in urban/metro areas; maximum ₹5 crore.View source
The official limit section publishes location-wise minimums and a ₹5 crore maximum.
Source
Scheme For Professionals
Page / section
Terms and Conditions — Limit
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
RepaymentTerm loans: up to 84 instalments including moratorium, with monthly interest servicing; working-capital facilities are renewed annually.View source
The repayment section states 84 instalments including moratorium and annual working-capital renewal.
Source
Scheme For Professionals
Page / section
Terms and Conditions — Repayment
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
MarginCash credit: 25% against stocks and book debts up to 90 days. Term or demand loan: 30% on land and building and 25% on new plant and machinery. Non-fund-based guarantee or letter-of-credit limits: minimum 20% cash margin.View source
The official margin section publishes separate margins for cash credit, term/demand loans and non-fund-based limits.
Source
Scheme For Professionals
Page / section
Margin
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Pricing basisCompetitive pricing linked to the repo rate or MCLR.View source
The official pricing section says pricing is linked to repo rate/ without publishing a numeric spread.
Source
Scheme For Professionals
Page / section
Interest Rates and Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Income and experience requirementLatest ITR must show taxable income of at least ₹2.5 lakh; the applicant must have at least 3 years' experience in the profession (for CA/CS/ICWA, 3 years from the certificate of practice). No business-turnover threshold is published.View source
The official eligibility list publishes the ₹2.5 lakh taxable-income and three-year experience requirements; it does not state business turnover.
Source
Scheme For Professionals
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeThe page states competitive pricing linked to the repo rate or MCLR but publishes no numeric processing fee, documentation fee, waiver or concession.View source
The page names interest-rate benchmarks but gives no fee schedule.
Source
Scheme For Professionals
Page / section
Interest Rates and Charges; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Required documentsThe reviewed product page does not publish a product-specific document checklist. It only requires the latest ITR taxable-income evidence as part of eligibility and a recognised professional degree; other application documents are not listed.View source
The page publishes degree and conditions, but no separate , income-proof or security-document checklist.
Source
Scheme For Professionals
Page / section
Eligibility; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsThe page publishes different minimum loan amounts for rural/semi-urban (₹5 lakh) and urban/metro (₹10 lakh) branches, but no state, district or applicant-residence restriction.View source
The official limit section is location-banded but publishes no geographic eligibility exclusion.
Source
Scheme For Professionals
Page / section
Limit; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Facility amountRural and semi-urban areas: ₹5 lakh minimum; urban and metro areas: ₹10 lakh minimum; maximum ₹5 crore.View source
The official page publishes ₹5 lakh minimum for rural/semi-urban, ₹10 lakh minimum for urban/metro and ₹5 crore maximum.
Source
Scheme For Professionals
Page / section
Limit
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum taxable income shown in the latest income-tax return: ₹2.50 lakh.View source
The eligibility section states Minimum — taxable income of Rs. 2.5 lakhs.
Source
Scheme For Professionals
Page / section
Eligibility
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Customer typeEligible micro, small and medium enterprisesView source
The manually reviewed product record states: “Eligible micro, small and medium enterprises”.
Source
Scheme For Professionals — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Working capital, equipment purchase/expansion/renovation, construction of an office on self-owned land, purchase of a ready-built new office and non-fund-based facilities.

Eligibility

  • Professionals with a recognised professional degree, taxable income of at least ₹2.5 lakh in the latest , at least 3 years' field experience (or 3 years from the certificate of practice for /CS/) and a minimum bureau score of 700.

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

Documents the bank lists

  • Latest showing taxable income
  • Recognised professional degree

Related official documents

Scheme For Professionals — Bank of Baroda official product pageofficial-product-page · current · accessed 30 Aug 2026
↗
Scheme For Professionals — Bank of Baroda official product pageofficial-product-page · current · accessed 8 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

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

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.

Use the published table

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.

Eligible applicants · Published detailProfessionals with a recognised professional degree

This value is copied from Scheme For Professionals — complete published terms. Check the table notes before relying on it.

Source: Scheme For Professionals · Eligibility; Purpose; Age; Nature of Facility; Limit; Repayment; Margin; Interest Rates and 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 · 15 rows · 2 columnsScheme For Professionals — complete published termsAll material eligibility, use, age, facility, limit, repayment, margin, pricing and review outcomes from the official product page.View tableHide table

Scroll sideways to view every column

Scheme For Professionals — complete published terms
TermPublished detail
Eligible applicantsProfessionals with a recognised professional degree
Taxable incomeAt least ₹2.5 lakh in the latest
ExperienceAt least 3 years; /CS/: 3 years from certificate of practice
Bureau scoreMinimum 700
Age21 years minimum; 65 years maximum at loan maturity
UsesWorking capital; equipment purchase/expansion/renovation; self-owned-office construction; ready-built new office; NFB facilities
Facility typesTerm loan, demand loan, cash credit and non-fund based facilities
Limit₹5 lakh minimum in rural/semi-urban areas; ₹10 lakh minimum in urban/metro areas; maximum ₹5 crore
RepaymentTerm loan up to 84 instalments including moratorium; monthly interest servicing; working capital renewed annually
MarginCash credit 25% against stocks/book debts up to 90 days; term/demand loan 30% land/building and 25% new plant/machinery; NFB guarantee/ cash margin minimum 20%
PricingCompetitive pricing linked to repo rate/; numeric rate not published
Processing feeNot published
Collateral/securityNot published
DocumentsDegree and latest conditions published; complete checklist not published
Geographic limitNo narrower geographic eligibility restriction published
  • Location bands affect the minimum facility amount, not a stated applicant geography rule.
  • NFB means non-fund based facilities; the page does not publish a separate fee or security schedule.
Scheme For Professionals · Eligibility; Purpose; Age; Nature of Facility; Limit; Repayment; Margin; Interest Rates and Charges · accessed 30 Aug 2026Open official source ↗
Table 2 · 8 rows · 2 columnsBank of Baroda Scheme For Professionals — published termsStructured capture of the official eligibility, limits, repayment and margin sections.View tableHide table

Scroll sideways to view every column

Bank of Baroda Scheme For Professionals — published terms
TermPublished detail
EligibilityRecognised professional degree; 3 years’ field experience; minimum bureau score 700
IncomeMinimum taxable income in : ₹2.50 lakh
Age21 years minimum; 65 years maximum at loan maturity
Facility limitRural/semi-urban minimum ₹5 lakh; urban/metro minimum ₹10 lakh; maximum ₹5 crore
Facility typesTerm loan, demand loan, cash credit and non-fund-based facilities
RepaymentTerm loan up to 84 instalments including moratorium; monthly interest; working capital renewed annually
Margins25% stocks/book debts (up to 90 days); 30% land/building; 25% new plant/machinery; 20% minimum cash margin for guarantee/
RateCompetitive pricing linked to repo rate/; no numeric rate published on the page
  • The page does not publish a separate collateral/security schedule or processing-fee amount.
Scheme For Professionals · Eligibility; Limit; Repayment; Margin; Interest Rates and Charges · accessed 8 Sept 2026Open official source ↗

More from Bank of Baroda

Related products

Animal Husbandry Infrastructure Development fund (AHIDF)

Scheme: Learn about Animal Husbandry Infrastructure Development Fund at Bank of Baroda. Apply for an loan & get the financial support for your animal husbandry project.

View product

Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme

Get competitive interest rates for animal husbandry loan through Baroda . You can easily apply for animal husbandry & fisheries scheme with our simple Application Form.

View product

Baroda Arogyadham Loan

Baroda Arogyadham Loan, an exclusive financing option for doctors & hospitals. Get financial support for clinic/hospital construction, expansion & medical equipment purchase. Apply Now!

View product

Baroda Artisans Credit Card

Baroda Artisans Credit Card provides reliable & flexible loan options tailored to your needs. Secure the financial support of projects with competitive rates & convenient repayment terms.

View product