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Business, & agriculture finance

Shahari Bagwani Yojana

Bank of Baroda offers financing options for gardening through Shahari Bagwani Yojna scheme. Check your eligibility criteria & apply for Shahari Bagwani Yojana to grow your garden.

Facility amountMaximum loan is ₹3 lakh for an individual and ₹30 lakh for an institution. The scheme considers ₹33,000 per 1,000 square feet of garden space and requires at least 500 square feet for individual gardening.Pricing bandsUp to ₹3 lakh: one-year MCLR + SP; above ₹3 lakh and below ₹25 lakh: +1.25%; ₹25 lakh and above: +2.10% for 3–5 years and +2.15% above 5–7 years.Customer typeFarmers, agricultural enterprises and eligible rural borrowers
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Quick eligibility check

Shahari Bagwani Yojana

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: Individuals with an independent house or open roof area of at least 500 sq ft, and proprietary/partnership firms, trusts, societies, privately owned schools, offices, guest houses, hospitals and hotels with at least 1,000 sq ft open space?

Published source: Eligible urban garden applicants

2Do you have a regular source of income?

Published source: Eligible urban garden applicants

3Do you meet this requirement: quotation or 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 urban garden applicantsIndividuals with an independent house or open roof area of at least 500 sq ft, and proprietary/partnership firms, trusts, societies, privately owned schools, offices, guest houses, hospitals and hotels with at least 1,000 sq ft open space. Applicants should have a regular income; salaried people, professionals and businesspeople with steady income are covered.View source
The official criteria list the applicant types, area thresholds and regular-income requirement.
Source
Shahari Bagwani Yojana
Page / section
Features / Eligibility Criteria
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Garden developmentDemand finance for kitchen gardens, decorative horticulture and roof gardens; unit cost considered at ₹33,000 for every 1,000 sq ft of garden area, with at least 500 sq ft required for an individual.View source
The official features section publishes the gardening uses, unit cost and minimum area.
Source
Shahari Bagwani Yojana
Page / section
Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Loan amountUp to ₹3 lakh for individuals and up to ₹30 lakh for institutions.View source
The official benefits and publish the individual and institutional maximums.
Source
Shahari Bagwani Yojana
Page / section
Benefits / — Quantum
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
MarginNil up to ₹1 lakh; 15% above ₹1 lakh.View source
The official margin table publishes the ₹1 lakh threshold and 15% margin.
Source
Shahari Bagwani Yojana
Page / section
Benefits / — Margin
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Repayment and moratoriumMaximum 24 months for individuals and 36 months for institutions, with a moratorium of up to 3 months.View source
The official benefits and publish individual/institutional repayment periods and moratorium.
Source
Shahari Bagwani Yojana
Page / section
Benefits / — Repayment / Moratorium
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Security by borrower typePlants/crops and garden equipment are hypothecated. Above ₹1 lakh, salaried borrowers provide an employer salary-routing undertaking with standing instruction; other individuals provide a third-party guarantee; institutions provide collateral of at least 50% of the loan plus personal guarantees of partners/trustees/promoters.View source
The official security table differentiates salaried, other-individual and institutional requirements.
Source
Shahari Bagwani Yojana
Page / section
— Security
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Pricing bandsUp to ₹3 lakh: one-year MCLR + SP; above ₹3 lakh and below ₹25 lakh: +1.25%; ₹25 lakh and above: +2.10% for 3–5 years and +2.15% above 5–7 years.View source
The official rate table publishes amount- and tenure-linked spreads.
Source
Shahari Bagwani Yojana
Page / section
— Rate of Interest
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Processing and inspection chargesProcessing and pre-inspection charges are nil up to ₹3 lakh. Above ₹3 lakh, term-loan processing is 1% capped at ₹100 lakh; inspection is ₹250 above ₹3–10 lakh, ₹1,000 above ₹10 lakh–₹1 crore and ₹5,000 above ₹1 crore.View source
The official fee and sections publish the waiver and exposure slabs.
Source
Shahari Bagwani Yojana
Page / section
Fees & Charges / Other Information
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Turnover / vintageNo numeric turnover or business-vintage threshold is published. Individuals must have a regular source of income; salaried persons, professionals and business people with steady income are covered.View source
The official page requires regular/steady income but gives no turnover or vintage amount.
Source
Shahari Bagwani Yojana
Page / section
Features / Eligibility Criteria
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Facility amountMaximum loan is ₹3 lakh for an individual and ₹30 lakh for an institution. The scheme considers ₹33,000 per 1,000 square feet of garden space and requires at least 500 square feet for individual gardening.View source
The official page publishes individual/institution limits, unit cost and minimum area.
Source
Shahari Bagwani Yojana
Page / section
Benefits / Features / — Quantum
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 or invoice; land records; project report; and IT Return.View source
The official document section lists six document groups.
Source
Shahari Bagwani Yojana
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 qualifying homes, firms and institutions with the required open gardening space.View source
The page specifies open-space requirements but no territorial boundary.
Source
Shahari Bagwani Yojana
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
Shahari Bagwani Yojana — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Demand finance for kitchen gardens, decorative horticulture and roof gardens
  • unit cost considered at ₹33,000 for every 1,000 sq ft of garden area, with at least 500 sq ft required for an individual.

Eligibility

  • Individuals with an independent house or open roof area of at least 500 sq ft, and proprietary/partnership firms, trusts, societies, privately owned schools, offices, guest houses, hospitals and hotels with at least 1,000 sq ft open space. Applicants should have a regular income
  • salaried people, professionals and businesspeople with steady income are covered.

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

Related official documents

Rural & Agri loan catalogue — Financing Irrigation entryofficial-product-catalogue · Targeted eligibility cross-check for Financing Irrigation · accessed 28 Sept 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
↗
Shahari Bagwani Yojana — current official product pageofficial-product-page · Current rate/applicability checked; full product review remains open · accessed 27 Sept 2026
↗
Shahari Bagwani Yojana — official pageofficial-product-page · current · accessed 30 Aug 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₹12,766twelve thousand seven hundred sixty-six rupees
Interest paid over the full loan₹5,63,797five lakh sixty-three thousand seven hundred ninety-seven rupees
Everything you repay₹30,63,797thirty lakh sixty-three thousand seven hundred ninety-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.

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 spaces · Published detailIndependent house/roof garden 500 sq ft; institutions such as firms, trusts, schools, offices, guest houses, hospitals and hotels 1,000 sq ft

This value is copied from Shahari Bagwani Yojana — published terms. Check the table notes before relying on it.

Source: Shahari Bagwani Yojana · Benefits / Features / 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 · 14 rows · 2 columnsShahari Bagwani Yojana — published termsPublished space, quantum, margin, repayment, security, rate, fee and document terms.View tableHide table

Scroll sideways to view every column

Shahari Bagwani Yojana — published terms
ParameterPublished detail
Eligible spacesIndependent house/roof garden 500 sq ft; institutions such as firms, trusts, schools, offices, guest houses, hospitals and hotels 1,000 sq ft
Unit cost₹33,000 per 1,000 sq ft garden space
Quantum₹3 lakh individual; ₹30 lakh institution
FacilityDemand loan
MarginNil up to ₹1 lakh; 15% above ₹1 lakh
Repayment24 months individual; 36 months institution
MoratoriumMaximum 3 months
Security — salariedPlants/crop/equipment hypothecation; above ₹1 lakh employer salary-routing undertaking and standing instruction
Security — other individualsPlants/crop/equipment hypothecation; above ₹1 lakh third-party guarantee of equal-worth individual
Security — institutionsPlants/crop/equipment hypothecation; above ₹1 lakh collateral at least 50% of loan plus personal guarantee
RateUp to ₹3 lakh one-year + ; higher bands as published
Processing/inspectionNil up to ₹3 lakh; above slabs ₹250/₹1,000/₹5,000 as published
IncomeRegular/steady income required; no numeric threshold
Documents, passport photo, quotation/invoice, land records, project report and
Shahari Bagwani Yojana · Benefits / Features / Eligibility / Documents / Fees / · accessed 30 Aug 2026Open official source ↗

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