Business, & agriculture finance

Working Capital Finance

Working capital finance to meet business operating expenses for all micro, small, medium enterprises. Apply for working capital loan for at amazing rates. Know more!

RateFor this MSME working-capital facility, the current Bank of Baroda MSME matrix uses BRLLR + SP for regulatory limits up to ₹25 lakh, with the published micro/small/medium spread bands by limit; above ₹25 lakh and up to ₹7.50 crore, the CMR and hard-security matrix publishes regulatory ranges from BRLLR + 0.30% to BRLLR + SP + 7.45% and non-regulatory ranges from MCLR + 0.45% to MCLR + SP + 7.45%. BRLLR is published at 7.90% p.a. w.e.f. 6 December 2025; the final rate depends on rating, security and limit.Customer typeBusiness and corporate borrowers seeking funds for operating costs, inventory or receivables, subject to the Bank's assessment of working-capital need and lending policy.Working-capital processing chargesFor fund-based and non-fund-based working-capital loans: up to ₹25,000 is nil. Above ₹25,000 (fresh or review), the charge is 0.20% for CMR 1–2, 0.30% for CMR 3–4, 0.35% for CMR 5, 0.40% for CMR 6 and 1.00% for CMR 7 and below. Caps: ₹35 lakh for priority-sector advances and ₹17.50 lakh for exporters; other advances have no cap. GST is extra.

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✓ Manually checked 11 Sept 2026 · active

Working Capital Finance official product image

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.

Working-capital purposeWorking capital funds current business obligations due within 1 year, including operating expenses, inventory, receivables and acquisition of earning assets. Facilities may be funded directly or supported through a letter of credit; the page also describes non-funded letters of credit and guarantees for suppliers or government departments. Available in Indian and foreign currency.View source

The page defines working capital around current obligations of less than one year and lists operating expense, inventory, receivables, earning assets, funded/non-funded forms and /foreign currency availability.

Source: Working Capital Finance — Bank of Baroda
Page / section: Overview; Benefits
Accessed: 26 Sept 2026
Confidence: high

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Funded and non-funded facilitiesFunded facilities provide money to purchase business assets or meet expenses; non-funded facilities include letters of credit and guarantees issued to suppliers or government departments.View source

The official benefits section differentiates funded and non-funded facilities.

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

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Funding currencyAvailable in Indian and foreign currency.View source

The official benefits section states Indian- and foreign-currency availability.

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

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The rate page covers working-capital 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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Business funding accessCorporations and business borrowers with operating, inventory or receivables funding needs may apply, subject to assessment of the working-capital requirement and bank policy.View source

The official overview identifies the business uses; it does not publish a universal turnover threshold.

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

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Working-capital processing chargesFor fund-based and non-fund-based working-capital loans: up to ₹25,000 is nil. Above ₹25,000 (fresh or review), the charge is 0.20% for CMR 1–2, 0.30% for CMR 3–4, 0.35% for CMR 5, 0.40% for CMR 6 and 1.00% for CMR 7 and below. Caps: ₹35 lakh for priority-sector advances and ₹17.50 lakh for exporters; other advances have no cap. GST is extra.Effective 3 May 2024View source

Row 1(A) applies the rating slabs to fresh/review FB and NFB working-capital loans and states the caps; the annexure labels charges exclusive of .

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

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Customer typeBusiness and corporate borrowers seeking funds for operating costs, inventory or receivables, subject to the Bank's assessment of working-capital need and lending policy.View source

The current page describes corporate/business operating, inventory and receivables funding; the separate rate schedule is applied only to -classified exposure.

Source: Working Capital Finance — Bank of Baroda
Page / section: Overview; Benefits
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

Finance for operating expenses, inventory purchases and receivables, through direct funding or a letter of credit.

Eligibility

Corporations and business borrowers with operating, inventory or receivables funding needs may apply, subject to assessment of the working-capital requirement and bank policy.

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₹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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Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableExposure / borrower band

Regulatory up to ₹50,000 · Published rateMicro: + ; Small: + + 2.00%; Medium: + + 2.70%

This value is copied from lending rate matrix. Check the table notes before relying on it.

Source: Loan Interest Rates — Bank of Baroda current rate matrix · Regulatory/non-regulatory tables; context Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 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 2 · 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 3 · 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 ↗

Table 4 · 8 rows · 2 columnsWorking Capital Finance — published terms and delivery optionsThe current page's working-capital definition, borrower needs, facility types, currencies and pricing context.View tableHide table

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Working Capital Finance — published terms and delivery options
Area	Published detail
Working-capital definition	Funds for current business obligations due within 1 year
Uses	Operating expenses, inventory, receivables and acquisition of earning assets
Borrower need	Business/corporate operating, inventory or receivables needs, assessed by the Bank
Funded facilities	Direct finance for business assets or expenses
Non-funded facilities	Letters of credit and guarantees for suppliers or government departments
Funding currency	Indian currency and foreign currency
Pricing	Competitive pricing linked to Repo/; the applicable rate matrix varies by limit, regulatory status, and security
Sales channel	The Bank may use agents in sales/marketing of products

The page's less-than-one-year wording defines current business obligations; it is not a repayment tenor for the sanctioned facility.

Working Capital Finance — Bank of Baroda · Overview; Benefits; Interest Rates and Charges · accessed 26 Sept 2026Open official source ↗

Working Capital Finance

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Loan repayment estimate

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Complete rates, limits and schedules

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