Business, & agriculture finance

Term Finance — Banking

Explore the flexible term finance solutions & competitive term loan interest rates offered by Bank of Baroda to help your company

RateFor this MSME term-finance facility, the current Bank of Baroda MSME matrix uses BRLLR + SP for regulatory limits up to ₹25 lakh, with spread varying by micro/small/medium band; above ₹25 lakh and up to ₹7.50 crore, the published CMR and hard-security matrix ranges from BRLLR + 0.30% to BRLLR + SP + 7.45% for regulatory exposure and MCLR + 0.45% to MCLR + SP + 7.45% for non-regulatory exposure. BRLLR is 7.90% p.a. w.e.f. 6 December 2025; final pricing is conditional on rating, security and limit.Customer typeMicro, small and medium enterprises using fund-based or non-fund-based finance for capital expenditure, fixed-asset acquisition, starting or expanding a business/industrial unit, or swapping high-cost debt from another bank or financial institution.Processing chargesFor a term/DL/TL/DPG loan over 1 year: 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. GST is extra. The tariff is conditional on the facility and term; it is not a flat charge for every term-finance borrower.

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✓ Manually checked 11 Sept 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 borrowersDesigned for micro, small and medium enterprises starting or expanding a business or industrial unit; the Bank evaluates the proposal under its applicable MSME lending policy.View source

The official page describes term finance for enterprises starting or expanding a business or industrial unit and for replacing high-cost debt.

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

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PurposeCapital expenditure/fixed assets for starting or expanding a business or industrial unit, or replacement of high-cost existing debt from another bank or financial institution.View source

The page states all listed purposes in its first Features bullet.

Source: Term Finance — Bank of Baroda Banking
Page / section: Features
Accessed: 30 Aug 2026
Confidence: high

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Funded and non-funded optionsFund-based term finance is available for the investment; a non-fund-based deferred payment guarantee can support acquisition of fixed assets when the supplier accepts instalment payment.View source

The official page separately lists fund-based finance and deferred payment guarantee as the two facility forms.

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

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The rate page covers term lending through its regulatory/non-regulatory limit and /security matrices.

Source: Loan Interest Rates — Bank of Baroda current rate matrix
Page / section: Regulatory/non-regulatory tables; context
Accessed: 11 Sept 2026
Confidence: high

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Customer typeMicro, small and medium enterprises using fund-based or non-fund-based finance for capital expenditure, fixed-asset acquisition, starting or expanding a business/industrial unit, or swapping high-cost debt from another bank or financial institution.View source

The page addresses micro, small and medium enterprises and describes fund-based and deferred-payment-guarantee finance.

Source: Term Finance — Bank of Baroda Banking
Page / section: Features
Accessed: 30 Aug 2026
Confidence: high

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Processing chargesFor a term/DL/TL/DPG loan over 1 year: 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. GST is extra. The tariff is conditional on the facility and term; it is not a flat charge for every term-finance borrower.Effective 3 May 2024View source

The tariff explicitly limits row 1(B) to DL/TL/DPG/corporate loans over one year and publishes rating slabs, caps and review charges.

Source: Service Charges — Bank of Baroda
Page / section: Annexure II — Advances (), row 1(B)
Accessed: 26 Sept 2026
Confidence: high

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Facility typesFund-based finance for capital expenditure or fixed-asset acquisition to start or expand a business/industrial unit, or to replace high-cost debt from another bank/financial institution; and non-fund-based deferred-payment guarantees for fixed-asset acquisition.View source

The official Features section lists each fund-based and non-fund-based use.

Source: Term Finance — Bank of Baroda Banking
Page / section: Features
Accessed: 30 Aug 2026
Confidence: high

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Sales-channel noteThe bank may use agents for sales and marketing of its products.View source

The page notes that agents may be used in sales/marketing of products.

Source: Term Finance — Bank of Baroda Banking
Page / section: Features note
Accessed: 30 Aug 2026
Confidence: high

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Pricing basisInterest pricing is linked to the Repo rate or MCLR.View source

The Bank's product page links the interest pricing to the Repo rate or ; the separate interest-rate fact carries the applicable published matrix.

Source: Term Finance — Bank of Baroda Banking
Page / section: Interest Rates
Accessed: 26 Sept 2026
Confidence: high

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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

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Benefits and features

Capital expenditure/fixed assets for starting or expanding a business or industrial unit, or replacement of high-cost existing debt from another bank or financial institution.

Eligibility

Designed for micro, small and medium enterprises starting or expanding a business or industrial unit
the Bank evaluates the proposal under its applicable lending policy.

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₹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.

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TableArea

Fund-based finance · Published termCapital expenditure/fixed assets for starting or expanding a business or industrial unit, or replacing high-cost debt from another bank/financial institution

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

Source: Term Finance — Bank of Baroda Banking · Features; Interest Rates; linked current rate schedule Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 5 rows · 2 columnsTerm Finance — published termsProduct uses and facility forms, plus linked pricing information from the current MSME schedule.View tableHide table

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Term Finance — published terms
Area	Published term
Fund-based finance	Capital expenditure/fixed assets for starting or expanding a business or industrial unit, or replacing high-cost debt from another bank/financial institution
Non-fund-based finance	Deferred-payment guarantee for fixed-asset acquisition when the supplier accepts instalment payments
Pricing	Competitive pricing linked to Repo/; see the shared rate matrix for limit-, borrower-, rating- and security-dependent formulas
Processing charges	The tariff's DL/TL/DPG schedule applies to loans over 1 year when those conditions are met; it is not a universal flat fee
Sales-channel note	The Bank may use agents in sales/marketing of products

The product page does not set one term-finance amount, repayment period or security package; these depend on the chosen facility and sanction. The linked application form was inaccessible.

Term Finance — Bank of Baroda Banking · Features; Interest Rates; linked current rate schedule · accessed 26 Sept 2026Open official source ↗

Table 2 · 7 rows · 2 columnsMSME lending rate matrixCurrent limit- and rating-dependent rate formulas; final pricing is not a single universal rate.View tableHide table

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MSME lending rate matrix
Exposure / borrower band	Published rate
Regulatory up to ₹50,000	Micro: + ; Small: + + 2.00%; Medium: + + 2.70%
Regulatory above ₹50,000 to ₹2 lakh	Micro: + + 2.00%; Small: + + 2.20%; Medium: + + 2.70%
Regulatory above ₹2 lakh to ₹10 lakh	Micro: + + 2.20%; Small: + + 2.35%; Medium: + + 2.70%
Regulatory above ₹10 lakh to ₹25 lakh	Micro: + + 2.35%; Small: + + 2.50%; Medium: + + 2.70%
Above ₹25 lakh to ₹7.50 crore	/hard-security matrix: regulatory + 0.30% to + + 7.45%; non-regulatory + 0.45% to + + 7.45%
context	7.90% p.a. w.e.f. 6 December 2025; is 0.25%
Final pricing	Depends on limit, regulatory status, and hard-security coverage

Loan Interest Rates — Bank of Baroda current rate matrix · Regulatory/non-regulatory tables; context · effective 6 Dec 2025 · accessed 11 Sept 2026Open official source ↗

Table 3 · 8 rows · 2 columnsMSME processing-charge matrixCurrent Annexure II service charges, exclusive of GST.View tableHide table

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MSME processing-charge matrix
Facility / threshold	Published charge
Working capital up to ₹25,000	Nil
Working capital above ₹25,000	0.20% 1–2; 0.30% 3–4; 0.35% 5; 0.40% 6; 1.00% 7 and below
Working-capital caps	Priority sector ₹35 lakh; exporters ₹17.50 lakh; other advances no cap
Term/DL/TL/DPG up to ₹25,000	Nil
Term/DL/TL/DPG above ₹25,000 to ₹1 crore	1% of sanctioned limit
Term/DL/TL/DPG above ₹1 crore	0.50% 1–2; 0.85% 3–4; 1.00% 5; 1.10% 6; 2.00% 7 and below
Term-loan review	0.10% without cap
Term-loan caps	Priority sector ₹100 lakh; exporters ₹50 lakh; other advances no cap

Service Charges — Bank of Baroda current advances annexure · Annexure II — Advances (), rows 1(A) and 1(B) · effective 3 May 2024 · accessed 11 Sept 2026Open official source ↗

Table 4 · 5 rows · 2 columnsBank of Baroda MCLR benchmarksCurrent reference rates from the Bank's official MCLR schedule; these benchmarks alone are not final borrower rates.View tableHide table

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Bank of Baroda MCLR benchmarks
reset period	Rate effective 12 September 2026
Overnight	7.85%
1 month	7.95%
3 months	8.30%
6 months	8.50%
1 year	8.75%

The CME product page specifies yearly for other enterprises, so 1-year is its direct benchmark reference. The matrix uses for some non-regulatory rows but does not identify a reset tenor; do not calculate a final borrower rate from this table without that tenor and the applicable spread.

Retail Loans Interest Rates — Bank of Baroda · table — all published reset periods · effective 12 Sept 2026 · accessed 26 Sept 2026Open official source ↗

Term Finance — Banking

What the official sources publish

Benefits and features

Eligibility

Related official documents

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Loan repayment estimate

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Complete rates, limits and schedules

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Term Finance — MSME 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

Related products

Animal Husbandry Infrastructure Development fund (AHIDF)

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

Baroda Arogyadham Loan

Baroda Artisans Credit Card

Term Finance — Banking