Business, & agriculture finance

Working Capital

Working capital finance by Bank of Baroda to meet their operational expenses, purchasing inventory by direct funding or by issuing letter of credit. Get a working capital loan online here!

RateFor corporate working-capital advances, Bank of Baroda publishes rating-linked BRLLR and MCLR spreads: CR 1 at BRLLR + 0.50% / MCLR + SP + 1.00%, CR 2 at BRLLR + 1.00% / MCLR + SP + 1.25%, CR 3 at BRLLR + 1.25% / MCLR + SP + 2.75%, CR 4 at BRLLR + 2.00% / MCLR + SP + 3.50%, CR 5 at BRLLR + 3.00% / MCLR + SP + 4.50% and CR 6 or below at BRLLR + 6.00% / MCLR + SP + 7.00% for exposures above ₹7.50 crore to ₹100 crore. The applicable benchmark and rating are determined for the sanctioned exposure.Customer typeCorporations using working-capital finance for operating expenses, inventory purchases or receivables financing, either through direct funding or a letter of credit.Processing feeFor large-corporate working-capital advances, fresh/renewal processing is rating based: 0.15% for AAA, 0.35% for AA family, 0.50% for A family, 0.75% for BBB+ or BBB, 1.00% for BBB−, 1.25% for BB+ and 1.50% for BB and below or unrated. Exporters rated A− and above receive a 25% concession; the charge is annual at renewal and excludes 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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Eligible customersCorporate and non-corporate businesses can seek working-capital finance, subject to the Bank's credit assessment and sanctioned terms.View source

The official working-capital page offers finance to corporations; the linked corporate-loans also describes corporate/non-corporate bill facilities.

Source: Working Capital
Page / section: Overview / Benefits
Accessed: 23 Aug 2026
Confidence: high

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PurposeMeet operating expenses, purchase inventory and finance receivables, using direct funding or a letter of credit.View source

The official overview lists operating expenses, inventory and receivables as the uses.

Source: Working Capital — Bank of Baroda Corporate Banking
Page / section: Overview
Accessed: 30 Aug 2026
Confidence: high

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Funded and non-funded facilitiesFunded facilities provide cash to purchase business assets or meet expenses. Non-funded facilities issue letters of credit or guarantees to suppliers and government departments for goods and services on credit.View source

The benefits section explains the funded and non-funded facility types and their uses.

Source: Working Capital
Page / section: Benefits
Accessed: 23 Aug 2026
Confidence: high

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CurrencyWorking-capital facilities are available in Indian currency and foreign currency. No fixed list of eligible foreign currencies is published.View source

The official page expressly states availability in both Indian and foreign currency.

Source: Working Capital — Bank of Baroda Corporate Banking
Page / section: Benefits
Accessed: 30 Aug 2026
Confidence: high

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TenureThe page defines working-capital obligations as those due in less than a year, but does not publish a facility repayment tenor, review cycle, rollover or renewal schedule.View source

The page defines working capital using obligations due in less than a year; it gives no loan tenor.

Source: Working Capital — Bank of Baroda Corporate Banking
Page / section: Overview; complete page
Accessed: 30 Aug 2026
Confidence: high

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Repayment expectationWorking-capital advances are expected to be liquidated within the sanctioned period, with interest serviced on time under the agreed terms.View source

The official states the repayment expectation for working-capital advances.

Source: Corporate Banking Loans and Advances
Page / section: — How the advance is required to be repaid?
Accessed: 23 Aug 2026
Confidence: high

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Customer typeCorporations using working-capital finance for operating expenses, inventory purchases or receivables financing, either through direct funding or a letter of credit.View source

The official overview says Bank of Baroda offers corporations working-capital finance for operating expenses, inventory and receivables, directly or through L/C.

Source: Working Capital — Bank of Baroda Corporate Banking
Page / section: Overview
Accessed: 30 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 large-corporate working-capital advances, fresh/renewal processing is rating based: 0.15% for AAA, 0.35% for AA family, 0.50% for A family, 0.75% for BBB+ or BBB, 1.00% for BBB−, 1.25% for BB+ and 1.50% for BB and below or unrated. Exporters rated A− and above receive a 25% concession; the charge is annual at renewal and excludes GST.Effective 3 May 2024View source

The complete large-corporate schedule publishes the rating slabs, exporter concession and annual-renewal timing.

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

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Geographic limitsThe facility is presented under Bank of Baroda Corporate Banking and is available in Indian and foreign currency. No state, branch, country or territorial restriction is published.View source

The page states currency availability but no geographic limitation.

Source: Working Capital — Bank of Baroda Corporate Banking
Page / section: Benefits; complete page
Accessed: 30 Aug 2026
Confidence: high

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Facility typesFunded working-capital facilities that directly fund business-asset purchases or expenses; and non-funded facilities in which Bank of Baroda issues letters of credit or guarantees to suppliers or Government departments for credit purchases of goods and services. Available in Indian and foreign currency.View source

The official Benefits section separates funded and non-funded facilities and states both currency options.

Source: Working Capital — Bank of Baroda Corporate Banking
Page / section: Benefits
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Meet operating expenses, purchase inventory and finance receivables, using direct funding or a letter of credit.

Eligibility

Corporate and non-corporate businesses can seek working-capital finance, subject to the Bank's credit assessment and sanctioned terms.

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₹13,554thirteen thousand five hundred fifty-four rupees

Interest paid over the full loan₹7,52,998seven lakh fifty-two thousand nine hundred ninety-eight rupees

Everything you repay₹32,52,998thirty-two lakh fifty-two thousand nine hundred ninety-eight 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

Purpose · Published termOperating expenses, inventory purchase and receivables financing; direct funding or letter of credit

This value is copied from Working Capital published terms. Check the table notes before relying on it.

Source: Working Capital — Bank of Baroda Corporate Banking · Overview; Benefits 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 columnsWorking Capital published termsComplete purpose, facility and currency statements retained from the official page.View tableHide table

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Working Capital published terms
Area	Published term
Purpose	Operating expenses, inventory purchase and receivables financing; direct funding or letter of credit
Funded facilities	Direct funding and assistance to purchase business assets or meet business expenses
Non-funded facilities	Letters of credit or guarantees for suppliers/Government departments for credit procurement of goods and services
Currency	Indian currency and foreign currency
Not published	No numeric amount, rate, facility tenor, collateral, fee, document checklist or geographic restriction

Working Capital — Bank of Baroda Corporate Banking · Overview; Benefits · accessed 30 Aug 2026Open official source ↗

Table 2 · 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 ↗

Working Capital

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