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Bank Bank of Baroda
Scheme SME Short Term Loans
Description To meet temporary shortfall / mismatch in liquidity, for meeting genuine business requirements only.
  •  Micro, Small & Medium Enterprises as per Regulatory definition and all other entities with annual sales turnover up to Rs. 150/- crores.
  • Satisfactory credit rating for the last three years.(BOB-5 & ABOVE)
  •  Latest Balance Sheet etc. should be available.
  • Satisfactory financial performance in terms of sales / turnover and profits. Negative variance, if any, should not be more than 10%.
  •  Satisfactory dealings with the Bank for at least three years.
Rate of Interest & Repayment To be repaid in 12 months including moratorium period.
  •  First charge / Equitable mortgage of fixed assets of the company / firm or extension of existing first charge / equitable mortgage of fixed assets, ensuring that there is a minimum asset cover of 1.25.
  • Extension of Charge on current assets for the additional facility ensuring that adequate drawing power is available.
  • Extension of all existing guarantees of Directors / Third party guarantees to cover the additional facility.
Composite /loan Limit
  • Loan Amount -Upto 25% of the existing Fund based Working capital limits (depending on the Credit Rating), subject to a minimum of Rs. 10 Lakhs and maximum of Rs. 250 Lakhs.
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Bank Bank of Baroda
Scheme Baroda MSME Capex Loan
  • The loan to be considered for the following capital expenditure related with the regular business activity
  • Replacement of old machinery.
  •  Purchase of balancing equipment’s
  • Modernization.
  • Investment in Research and Development.
  • Installation of captive power plants and Upgradation of technology.
  • Alteration in lay out of factory/office.
  • Acquisition of software, hardware, and tools, jigs, fixtures etc. forming part of Plant & Machinery.
  • Purchase of cars, passenger cars for staff and other vehicles for use of business purpose.
  • MSME borrowers (Regulatory) and SME (Expanded) rated BOB-5 and above.
  • The manufacturing/service sector units should have been established in the line of activity for a minimum period two years, Account running with satisfactory dealings for last one year & above and No adverse features are reported in conduct of account.
Rate of Interest & Repayment
Composite /loan Limit
  • Composite Limit- 15% of Plant & Machinery for MSME(Mfg.) and 25%for Services sector outstanding as per last Audited Balance Sheet or 10% of the working capital whichever is higher based on DSCR and subject to cap -
  • Baroda MSME Capex card: Min. 25 lacs and Max Rs. 5.00 Crores.
  • Baroda MSME Capex Loan: Min 25 lacs and Max Rs. 2.00 Crores
Margin Margin Money-  Land & Building - 30%, Plant & Machinery - 25
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Bank Bank of Baroda
Scheme Baroda SME Loan Pack
Description To provide hassle free credit for working capital (fund based and non-fund based) as also long term requirements, taking into account nature of business, cyclical trends, cash flow projections, peak time requirements and any eventuality of unforeseen spurt in the business.
Eligibility All Enterprises, i.e. Micro, Small & Medium Enterprises, as defined under MSMED Act, 2006, and other entities with annual sales turnover up to Rs. 150/- crores exclusively banking with our bank/new borrowers desirous of having sole banking arrangement with our bank.
Rate of Interest & Repayment
Composite /loan Limit Composite Limit-4.5 times of borrower tangible net worth as per last audited Balance Sheet, or, Rs. 5.00 Crores, whichever is lower.
Margin 25%
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