Business, & agriculture finance

Short Term Loan

Apply for Short Term Loan at lowest interest rates, flexible repayment options & quick online application. Empower your business today with Bank of Baroda!

Facility amount₹10 lakh minimum to ₹2.50 crore maximum.RateFor this MSME regulatory/expanded short-term facility, the current MSME matrix applies BRLLR + SP for micro limits up to ₹50,000, BRLLR + SP + 2.00% above ₹50,000 to ₹2 lakh and BRLLR + SP + 2.20% above ₹2 lakh to ₹10 lakh; above ₹10 lakh to ₹25 lakh, micro/small/medium spreads are published by limit, and above ₹25 lakh the CMR/hard-security matrix applies up to ₹7.50 crore. BRLLR is 7.90% p.a. w.e.f. 6 December 2025; the final rate depends on classification, rating and limit.Customer typeEligible micro, small and medium enterprises

Official product page ↗Compare category

✓ 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.

Short-term liquidity useMeet a temporary liquidity shortfall or mismatch in the business; not for repaying other-bank/institution loans or unsecured loans.View source

The official purpose section states the temporary liquidity use and exclusions.

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

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Borrower and sector criteriaRegulatory and expanded MSMEs with BOB-5 or better credit rating without continuous decline for three years (or four half-years where applicable), current satisfactory financials and at least three years of satisfactory dealings without major inspection/audit irregularities; real estate, power, education and IT sectors are excluded.View source

The official feature and eligibility sections publish the rating, relationship and excluded-sector rules.

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

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Loan amount₹10 lakh to ₹2.5 crore.View source

The official loan-amount section publishes ₹10 lakh minimum and ₹250 lakh maximum.

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

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Facility period12 months including the moratorium period.View source

The official period section states 12 months including moratorium.

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

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Processing/documentation concession25% concession in the applicable unified processing, upfront and documentation charges.View source

The official charges section publishes a 25% concession.

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

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Concurrent facility restrictionAn ad-hoc facility and this short-term loan cannot run concurrently.View source

The official note says ad-hoc facility and short-term loan cannot be concurrent.

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

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Turnover / relationship vintageA satisfactory Bank of Baroda relationship for at least 3 years is required, with the latest financial documents showing satisfactory performance. The page does not publish a rupee turnover threshold.View source

The eligibility section requires satisfactory dealings with Bank of Baroda for at least three years and latest financial documents with satisfactory performance; no rupee turnover number is printed.

Source: Short Term Loan — official Bank of Baroda product page
Page / section: Eligibility Criteria
Accessed: 8 Sept 2026
Confidence: high

Open official source ↗

RateFor this MSME regulatory/expanded short-term facility, the current MSME matrix applies BRLLR + SP for micro limits up to ₹50,000, BRLLR + SP + 2.00% above ₹50,000 to ₹2 lakh and BRLLR + SP + 2.20% above ₹2 lakh to ₹10 lakh; above ₹10 lakh to ₹25 lakh, micro/small/medium spreads are published by limit, and above ₹25 lakh the CMR/hard-security matrix applies up to ₹7.50 crore. BRLLR is 7.90% p.a. w.e.f. 6 December 2025; the final rate depends on classification, rating and limit.Effective 6 Dec 2025View source

The Short Term page identifies regulatory/expanded and the current matrix supplies the applicable limit and rating bands.

Source: Loan Interest Rates — current matrix used by Mudra-linked products
Page / section: Regulatory/non-regulatory tables; context
Accessed: 11 Sept 2026
Confidence: high

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Required documentsLatest financial documents showing satisfactory performance are required; the borrower must also have satisfactory Bank of Baroda dealings for at least 3 years. The page does not publish an itemised KYC or security checklist.View source

The page requires satisfactory credit rating, latest financial documents and satisfactory dealings for at least three years; it does not provide a fixed checklist.

Source: Short Term Loan
Page / section: Terms and Conditions — Eligibility Criteria
Accessed: 8 Sept 2026
Confidence: high

Open official source ↗

Geographic limitsNo state, district, branch-territory or applicant-location restriction is published on the reviewed product page.View source

The complete official page contains no geographic eligibility restriction.

Source: Short Term Loan
Page / section: Complete page reviewed
Accessed: 30 Aug 2026
Confidence: high

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Facility amount₹10 lakh minimum to ₹2.50 crore maximum.View source

The official page states Minimum: Rs.10 lakhs and Maximum: Rs. 250 lakhs.

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

Open official source ↗

Benefits and features

Meet a temporary liquidity shortfall or mismatch in the business
not for repaying other-bank/institution loans or unsecured loans.

Eligibility

Regulatory and expanded with -5 or better credit rating without continuous decline for three years (or four half-years where applicable), current satisfactory financials and at least three years of satisfactory dealings without major inspection/audit irregularities
real estate, power, education and IT sectors are excluded.

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

Documents the bank lists

Latest financial documents

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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₹12,647twelve thousand six hundred forty-seven rupees

Interest paid over the full loan₹5,35,300five lakh thirty-five thousand three hundred rupees

Everything you repay₹30,35,300thirty lakh thirty-five thousand three hundred 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

Purpose · Published detailTemporary business liquidity shortfall/mismatch; not repayment of other-bank or unsecured loans

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

Source: Short Term Loan · Features; Borrower Group; Eligibility Criteria; Loan Amount; Period; Charges; 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 columnsSME Short Term Loan — complete published termsAll material purpose, borrower, eligibility, amount, period, fee-concession, pricing and review outcomes from the official product page.View tableHide table

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SME Short Term Loan — complete published terms
Term	Published detail
Purpose	Temporary business liquidity shortfall/mismatch; not repayment of other-bank or unsecured loans
Borrower group	Regulatory and expanded
Excluded sectors	Real estate, power, education and IT
Credit rating	-5 or better, with no continuous decline for three years (or four half-year periods where applicable)
Bank relationship	At least 3 years of satisfactory dealings without major inspection/audit irregularities
Financials	Latest financial documents with satisfactory performance
Loan amount	₹10 lakh minimum to ₹2.5 crore maximum
Period	12 months including moratorium
Facility overlap	Ad-hoc facility and short-term loan cannot be concurrent
Charges	25% concession in applicable unified processing, upfront and documentation charges
Pricing	Competitive pricing linked to repo rate/; numeric rate not published
Collateral/security	Not published
Documents	Latest financial documents stated; complete checklist not published
Turnover/vintage	No numeric turnover or business-vintage requirement published
Geographic limit	No narrower geographic eligibility restriction published

The ₹2.5 crore maximum is the published ₹250 lakh maximum.
The 25% concession applies to applicable charges; the page does not publish the underlying tariff amount.

Short Term Loan · Features; Borrower Group; Eligibility Criteria; Loan Amount; Period; Charges; Interest Rates and Charges · accessed 30 Aug 2026Open official source ↗

Table 2 · 4 rows · 2 columnsBank of Baroda SME Short Term Loan — eligibilityRelationship-vintage and financial-document conditions transcribed from the official product page.View tableHide table

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Bank of Baroda SME Short Term Loan — eligibility
Requirement	Published condition
Bank relationship	Satisfactory dealings with Bank of Baroda for at least 3 years
Financial information	Latest financial documents with satisfactory performance
Turnover	No rupee threshold published
Facility period	12 months including the moratorium period

Short Term Loan — official Bank of Baroda product page · Eligibility Criteria; Period · accessed 8 Sept 2026Open official source ↗

Table 3 · 2 rows · 4 columnsBank of Baroda SME term-loan amounts and periodsPublished amount, repayment and charge-concession terms for the two SME products.View tableHide table

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Bank of Baroda SME term-loan amounts and periods
Product	Loan amount	Repayment period	Published charge condition
Medium Term Loan	₹25 lakh to ₹5 crore	Up to 36 months; equal quarterly or half-yearly instalments	25% concession in applicable unified processing, upfront and documentation charges
Short Term Loan	₹10 lakh to ₹2.50 crore	12 months including moratorium	25% concession in applicable unified processing, upfront and documentation charges

Both pages state competitive pricing linked to Repo rate/ without publishing a numeric rate; no collateral schedule is stated.

Medium Term Loan and Short Term Loan — Bank of Baroda · Terms and Conditions — Loan Amount, Period and Unified processing/upfront/documentation charge · accessed 8 Sept 2026Open official source ↗

Short Term Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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