Business, & agriculture finance

Medium Term Loan

Apply for Medium Term Loan offered by Bank of Baroda & benefit from flexible loan periods tailored for Indian businesses. Get funding for a specific period with competitive interest rates.

Facility amount₹25 lakh minimum to ₹5 crore maximum.RateFor this product's ₹25 lakh–₹5 crore amount band, the Bank's MSME matrix covers amounts above ₹25 lakh to ₹7.50 crore. It publishes regulatory pricing from BRLLR + 0.30% to BRLLR + SP + 7.45%, and non-regulatory pricing from MCLR + 0.45% to MCLR + SP + 7.45%, by CMR and hard-security band. BRLLR is 7.90% p.a. (effective 6 December 2025); final pricing depends on borrower classification, rating, security and sanctioned amount.Customer typeEligible micro, small and medium enterprises

Official product page ↗Compare category

✓ Manually checked 11 Sept 2026 · active

SME Medium Term Loan official product image

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.

Medium-term useAugment the working-capital gap, improve current ratio, meet genuine business requirements and repay secured or unsecured loans from other banks/institutions; proceeds must relate to the enterprise activity.View source

The official purpose section lists working-capital and enterprise-related uses.

Source: Medium Term Loan
Page / section: Features — Purpose
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Borrower and turnover bandsRegulatory/expanded MSMEs and other entities with annual sales turnover from ₹1 crore to ₹250 crore; new projects qualify where first full-year estimated turnover is up to ₹250 crore, while real-estate projects may have cost up to ₹50 crore.View source

The official borrower-group section publishes the sales-turnover and real-estate project-cost bands.

Source: Medium Term Loan
Page / section: Features — Borrower Group
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Credit and relationship criteriaSatisfactory credit rating without continuous decline for three years (or four half-years where rated half-yearly), satisfactory latest financial performance with any negative variance no more than 10%, and at least three years of satisfactory dealings without major inspection/audit irregularities.View source

The official eligibility criteria specify rating, financial-performance and relationship-history tests.

Source: Medium Term Loan
Page / section: Terms and Conditions — Eligibility Criteria
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Loan amount₹25 lakh to ₹5 crore.View source

The official loan-amount section publishes ₹25 lakh minimum and ₹500 lakh maximum.

Source: Medium Term Loan
Page / section: Terms and Conditions — Loan Amount
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Repayment periodUp to 36 months, repaid in equal quarterly or half-yearly instalments.View source

The official period section states a 36-month maximum and equal instalments.

Source: Medium Term Loan
Page / section: Terms and Conditions — Period
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Processing and documentation chargesThe product page grants a 25% concession on applicable unified processing, upfront and documentation charges. For term/DL/TL/DPG loans over 1 year, the tariff is nil up to ₹25,000; above ₹25,000 and up to ₹1 crore, 1% of the sanctioned limit; above ₹1 crore, 0.50% (CMR 1–2), 0.85% (CMR 3–4), 1.00% (CMR 5), 1.10% (CMR 6) or 2.00% (CMR 7 and below). Priority-sector and exporter caps are ₹100 lakh and ₹50 lakh; other advances have no cap. Term-loan review is 0.10% without a cap. Tariff excludes GST; the product's 25% concession applies to eligible charges.Effective 3 May 2024View source

The current Medium Term Loan page states the 25% concession. The tariff labels row 1(B) as DL/TL/DPG/corporate loans above 1 year and publishes the thresholds, rates, caps and review fee.

Source: Service Charges — Bank of Baroda
Page / section: Annexure II — Advances (), row 1(B); product page, Terms and Conditions — charges
Accessed: 26 Sept 2026
Confidence: high

Open official source ↗

RateFor this product's ₹25 lakh–₹5 crore amount band, the Bank's MSME matrix covers amounts above ₹25 lakh to ₹7.50 crore. It publishes regulatory pricing from BRLLR + 0.30% to BRLLR + SP + 7.45%, and non-regulatory pricing from MCLR + 0.45% to MCLR + SP + 7.45%, by CMR and hard-security band. BRLLR is 7.90% p.a. (effective 6 December 2025); final pricing depends on borrower classification, rating, security and sanctioned amount.Effective 6 Dec 2025View source

The product page gives a minimum ₹25 lakh and maximum ₹5 crore. The shared rate page's next pricing band runs above ₹25 lakh to ₹7.50 crore and varies by and hard security; these ranges are formulas, not a single rate.

Source: Loan Interest Rates — Bank of Baroda
Page / section: /hard-security matrix above ₹25 lakh to ₹7.50 crore; context
Accessed: 26 Sept 2026
Confidence: high

Open official source ↗

Common documentsThe current BOB MSME index publishes this common baseline: completed loan application; identity proof (Aadhaar, voter ID, passport, driving licence, PAN or signature identification from the present banker); residence proof (Aadhaar, recent telephone/electricity bill, property-tax receipt, passport or voter ID); business-address proof; constitution documents such as memorandum and articles or partnership deed; assets-and-liabilities statement of promoters and guarantors with latest income-tax returns. Depending on the activity, it also lists MSME/Udyam registration, projected balance sheets, the last three years' balance sheets, lease/title deeds for offered security, certificate of incorporation/CIN/DIN, bank-account and outstanding-loan details and GSTN. Additional licences and documents depend on the business activity and facility.View source

The current index lists the common identity, residence, business, constitution, financial, projection, security-title, incorporation, banking and documents, and states that further licences/documents depend on the activity.

Source: Loans and Advances — Bank of Baroda common documents
Page / section: Common Documents; Additional documents based on activity undertaken
Accessed: 11 Sept 2026
Confidence: high

Open official source ↗

Facility amount₹25 lakh minimum to ₹5 crore maximum.View source

The official page states Minimum: Rs. 25 lakhs and Maximum: Rs. 500 lakhs.

Source: Medium Term Loan
Page / section: Terms and Conditions — Loan Amount
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: Medium Term Loan — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

Open official source ↗

Turnover / vintageRegulatory/expanded MSMEs and other entities with annual sales turnover from ₹1 crore to ₹250 crore; new projects qualify where first full-year estimated turnover is up to ₹250 crore, while real-estate projects may have cost up to ₹50 crore.View source

The manually reviewed product record states: “Regulatory/expanded and other entities with annual sales turnover from ₹1 crore to ₹250 crore; new projects qualify where first full-year estimated turnover is up to ₹250 crore, while real-estate projects may have cost up to ₹50 crore.”.

Source: Medium Term Loan — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

Open official source ↗

Common commercial-loan documentsCommon checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).View source

The current official lists common identity, residence, business-address, constitution and financial documents, then activity/facility-dependent records. It separately says further licences and documents depend on the business entity/activity.

Source: Loans and Advances — Bank of Baroda commercial-loan documents
Page / section: — “What documents need to be submitted for a Commercial Loan?” lines 686–703; Common Documents lines 688–694; Additional documents based on activity undertaken lines 695–703
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Augment the working-capital gap, improve current ratio, meet genuine business requirements and repay secured or unsecured loans from other banks/institutions
proceeds must relate to the enterprise activity.

Eligibility

Regulatory/expanded and other entities with annual sales turnover from ₹1 crore to ₹250 crore
new projects qualify where first full-year estimated turnover is up to ₹250 crore, while real-estate projects may have cost up to ₹50 crore.

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

Documents the bank lists

Latest financial documents

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.

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₹20,063twenty thousand sixty-three rupees

Interest paid over the full loan₹23,15,232twenty-three lakh fifteen thousand two hundred thirty-two rupees

Everything you repay₹48,15,232forty-eight lakh fifteen thousand two hundred thirty-two 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.

TableTerm

Purpose · Published detailAugment working-capital gap, improve current ratio, meet enterprise needs and repay secured or unsecured borrowing from another bank/institution when tied to enterprise activity

This value is copied from Medium Term Loan — published terms. Check the table notes before relying on it.

Source: Medium Term Loan · Features — Purpose and Borrower Group; Terms and Conditions — Eligibility, Loan Amount, Period 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 · 10 rows · 2 columnsSME Medium Term Loan — published termsCurrent borrower, performance, amount, repayment, charge and rate conditions from the product page and applicable MSME schedules.View tableHide table