Business, & agriculture finance

Term Finance — Corporate Banking

Find the right corporate term finance solutions for your business needs at Bank of Baroda. Our flexible loans and advances provide financial support to help your business grow. Visit us today!

RateFor corporate term advances, Bank of Baroda publishes CR-linked pricing for exposures above ₹7.50 crore to ₹100 crore: regulatory spreads are BRLLR + 0.50%, 1.00%, 1.25%, 2.00%, 3.00% and 6.00% for CR 1 through CR 6 and below; non-regulatory spreads are MCLR + SP + 1.00%, 1.25%, 2.75%, 3.50%, 4.50% and 7.00% respectively. The sanctioned benchmark, rating and exposure band control the final rate.Customer typeEligible corporate and institutional customers Processing feeFor a fresh/additional corporate term loan above one year, the current schedule charges 0.50% for AAA, 0.75% for AA family, 1.00% for A family, 1.25% for BBB+ or BBB, 1.50% for BBB− and 2.00% for BB and below or unrated. For door-to-door tenure below three years, card rates are 0.25 percentage points lower; term-loan review is 0.10% without cap. Charges exclude GST.

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✓ 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

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Capital expenditure financeFund-based finance for capital expenditure or acquisition of fixed assets to start or expand a business/industrial unit, or to replace high-cost debt from another bank or financial institution.View source

The official offer list states the capital-expenditure and high-cost-debt replacement uses.

Source: Term Finance
Page / section: We offer — Fund based finance
Accessed: 23 Aug 2026
Confidence: high

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Funded and non-funded optionsFund-based term finance is available; a deferred-payment guarantee can also support acquisition of fixed assets where the supplier accepts instalments.View source

The official page lists fund-based finance and deferred-payment guarantee as two options.

Source: Term Finance
Page / section: We offer — Deferred payment guarantee
Accessed: 23 Aug 2026
Confidence: high

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Business-unit accessBusiness or industrial units starting, expanding, acquiring fixed assets or refinancing high-cost debt may seek the facility, subject to Bank of Baroda appraisal.View source

The product page identifies the business and industrial use cases but publishes no numeric turnover threshold.

Source: Term Finance
Page / section: Overview
Accessed: 23 Aug 2026
Confidence: high

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The complete rate page publishes the CR1–CR6 spreads for regulatory and non-regulatory corporate advances.

Source: Loan Interest Rates — Bank of Baroda current rate matrix
Page / section: Loans above ₹7.50 crore to ₹100 crore; corporate table
Accessed: 11 Sept 2026
Confidence: high

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Processing feeFor a fresh/additional corporate term loan above one year, the current schedule charges 0.50% for AAA, 0.75% for AA family, 1.00% for A family, 1.25% for BBB+ or BBB, 1.50% for BBB− and 2.00% for BB and below or unrated. For door-to-door tenure below three years, card rates are 0.25 percentage points lower; term-loan review is 0.10% without cap. Charges exclude GST.Effective 3 May 2024View source

The complete corporate schedule publishes rating slabs, the below-three-year reduction and the uncapped review charge.

Source: Service Charges — Bank of Baroda current corporate advances schedule
Page / section: Advances (Large Corporate/C&I), processing charges rows 1(B) and review
Accessed: 11 Sept 2026
Confidence: high

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Customer typeEligible corporate and institutional customersView source

The manually reviewed product record states: “Eligible corporate and institutional customers”.

Source: Term Finance — Corporate Banking — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

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Benefits and features

Fund-based finance for capital expenditure or acquisition of fixed assets to start or expand a business/industrial unit, or to replace high-cost debt from another bank or financial institution.

Eligibility

Business or industrial units starting, expanding, acquiring fixed assets or refinancing high-cost debt may seek the facility, subject to Bank of Baroda appraisal.

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

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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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Parameter

Exposure band · Published detailAbove ₹7.50 crore to ₹100 crore

This value is copied from Corporate advances rate and processing matrix. Check the table notes before relying on it.

Source: Loan Interest Rates — Bank of Baroda current rate matrix · Corporate advances rate tables Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsCorporate advances rate and processing matrixCurrent rating-linked formulas for large/mid corporate advances and applicable processing schedule.View tableHide table

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Corporate advances rate and processing matrix
Parameter	Published detail
Exposure band	Above ₹7.50 crore to ₹100 crore
Regulatory rate	CR1 + 0.50%; CR2 + 1.00%; CR3 + 1.25%; CR4 + 2.00%; CR5 + 3.00%; CR6 and below + 6.00%
Non-regulatory rate	CR1 + + 1.00%; CR2 + 1.25%; CR3 + 2.75%; CR4 + 3.50%; CR5 + 4.50%; CR6 and below + 7.00%
Working-capital processing	AAA 0.15%; 0.35%; A 0.50%; BBB+/BBB 0.75%; BBB− 1.00%; BB+ 1.25%; BB and below/unrated 1.50%
Term-loan processing	AAA 0.50%; 0.75%; A 1.00%; BBB+/BBB 1.25%; BBB− 1.50%; BB and below/unrated 2.00%
Short door-to-door term loan	Rates 0.25 percentage points lower below 3 years
Review	0.10% without cap
Taxes	Charges exclude

Loan Interest Rates — Bank of Baroda current rate matrix · Corporate advances rate tables · effective 6 Dec 2025 · accessed 11 Sept 2026Open official source ↗

Term Finance — Corporate Banking

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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