Business, & agriculture finance

Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers

Get quick access to funds through supplier bill discounting, a seamless vendor discounting facility from Bank of Baroda for vendors and suppliers of large real estate developers.

Facility amountThe page does not publish a universal bill amount, sanctioned-limit ceiling or minimum. Finance is described as bill discounting with a minimum 10% margin on the bill amount, so the drawable amount is subject to individual assessment and the published margin.Customer typeVendors and suppliers in the SME regulatory or non-regulatory classification who supply large real-estate developers. The developer and the vendor/supplier must each meet the page's published eligibility conditions.CollateralNot published on the reviewed official page. The page publishes a 10% bill margin but does not state collateral, security, guarantee, assignment or charge requirements.

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✓ Manually checked 11 Sept 2026 · active

Vendor Bill Discounting for Real Estate Suppliers official banner

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.

EligibilityDeveloper: RERA registered, externally rated A or above, at least 3 years in real estate and tangible net worth of at least ₹50 crore. Vendor/supplier: at least 2 years' association, at least ₹50 crore previous-year sales/services to the developer, positive PAT for the last 2 years and positive tangible net worth.View source

The page publishes separate developer and vendor/supplier tests.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers
Page / section: Eligibility; developer and vendor criteria
Accessed: 30 Aug 2026
Confidence: high

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Vendor eligibilityVendor/supplier must have at least 2 years' association with the developer, at least ₹50 crore prior-year sales/services to that developer, positive profit after tax for the last 2 years and positive tangible net worth.View source

The official vendor criteria publish association, sales, profitability and net-worth requirements.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers
Page / section: Terms and Conditions — Eligibility criteria of vendors/suppliers
Accessed: 23 Aug 2026
Confidence: high

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Vendor invoice liquidityBill discounting for eligible SME-regulatory and non-regulatory vendors/suppliers of large real-estate developers, against qualifying developer-linked bills.View source

The official eligible-borrower line defines the vendor/supplier scope.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers
Page / section: Terms and Conditions — Eligible Borrowers
Accessed: 23 Aug 2026
Confidence: high

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Bill marginMinimum 10% of the bill amount.View source

The official terms state a minimum 10% bill margin.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers
Page / section: Terms and Conditions — Margin
Accessed: 23 Aug 2026
Confidence: high

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TenureMaximum 90 days.View source

The official Tenor of Finance section states maximum 90 days.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers
Page / section: Tenor of Finance
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Customer typeVendors and suppliers in the SME regulatory or non-regulatory classification who supply large real-estate developers. The developer and the vendor/supplier must each meet the page's published eligibility conditions.View source

The page limits eligible borrowers to vendors/suppliers falling within regulatory/non-regulatory classification of large real-estate developers.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers
Page / section: Eligible Borrowers
Accessed: 30 Aug 2026
Confidence: high

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Turnover / vintageThe developer must be registered under RERA, have an external credit rating of A or above, have at least 3 years' existence in real estate and tangible net worth of at least ₹50 crore as per the last ABS. The vendor/supplier must have at least 2 years' association with the developer, previous-year annual sales/services to that developer of at least ₹50 crore, positive profit after tax for the last 2 years and positive tangible net worth as per the last ABS.View source

The official page publishes every developer and vendor/supplier threshold listed above.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers
Page / section: Eligibility; Eligibility criteria of vendors/suppliers
Accessed: 30 Aug 2026
Confidence: high

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A minimum 10% margin is published, but no bill-size or facility ceiling is stated.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers
Page / section: Margin
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

CollateralNot published on the reviewed official page. The page publishes a 10% bill margin but does not state collateral, security, guarantee, assignment or charge requirements.View source

Only the minimum bill margin is stated; no security package is published.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers
Page / section: Margin; complete page
Accessed: 30 Aug 2026
Confidence: high

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Geographic limitsThe page is offered under Bank of Baroda MSME Banking for eligible vendors/suppliers of large real-estate developers. No state, branch, city or territorial restriction is published.View source

No geographic limitation appears in the complete page.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers
Page / section: Complete page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Facility typeVendor bill discounting for eligible vendors and suppliers of large real-estate developers, with a minimum 10% margin and maximum 90-day finance tenor.View source

The product title and terms identify vendor bill discounting with the published margin and tenor.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers
Page / section: Overview; Margin; Tenor of Finance
Accessed: 30 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

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Benefits and features

Bill discounting for eligible -regulatory and non-regulatory vendors/suppliers of large real-estate developers, against qualifying developer-linked bills.

Eligibility

Developer: registered, externally rated A or above, at least 3 years in real estate and tangible net worth of at least ₹50 crore. Vendor/supplier: at least 2 years' association, at least ₹50 crore previous-year sales/services to the developer, positive PAT for the last 2 years and positive tangible net worth.

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

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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₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine 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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Area

Eligible borrower · Published requirementVendor/supplier in regulatory or non-regulatory classification of a large real-estate developer

This value is copied from Vendor Bill Discounting published terms. Check the table notes before relying on it.

Source: Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers · Eligible Borrowers; Eligibility; Margin; Tenor of Finance Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 6 rows · 2 columnsVendor Bill Discounting published termsAll eligibility, margin and tenor terms published on the official page.View tableHide table

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Vendor Bill Discounting published terms
Area	Published requirement
Eligible borrower	Vendor/supplier in regulatory or non-regulatory classification of a large real-estate developer
Developer	registered; external rating A or above; at least 3 years in real estate; tangible net worth at least ₹50 crore as per last ABS
Vendor/supplier	At least 2 years association; previous-year annual sales/services to developer at least ₹50 crore; positive PAT for last 2 years; positive tangible net worth
Margin	Minimum 10% of bill amount
Tenor	Maximum 90 days
Not published	No numeric discount rate, facility ceiling, collateral schedule, fee tariff or document checklist

Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers · Eligible Borrowers; Eligibility; Margin; Tenor of Finance · accessed 30 Aug 2026Open official source ↗

Vendor Bill Discounting for Vendors/Suppliers of Large Real Estate Developers

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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