बैंक ऑफ बड़ौदा Baroda MSME General ऋण
ऋण प्रदाता बैंक / संस्था: Bank of Baroda (BOB)
₹10 Lakh to ₹10 Crore MSME credit at 8.65% – 10.25% with Up to 7 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Comprehensive credit scheme providing fund-based and non-fund-based facilities for industrial and service MSMEs.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Competitive floating rates linked to Baroda BRLLR; composite credit; letter of credit and bank guarantee facilities.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Manufacturing and service MSMEs with viable financial track record.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires statutory MSME registration and audited balance sheets for limits above ₹2 Crore.
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans as per regulatory norms
📂आवश्यक दस्तावेज (Required Documents)
Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Requires statutory MSME registration and audited balance sheets for limits above ₹2 Crore.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.bankofbaroda.in/business-banking/msme-banking/loans/baroda-msme-loan with digital KYC and financial statements.
Visit nearest MSME branch of the institution with business registration and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure and amount for Bank of Baroda Baroda MSME General Loan?
Borrowers can avail ₹10 Lakh to ₹10 Crore with a repayment tenure of Up to 7 years.
What are the processing charges and collateral terms for Bank of Baroda Baroda MSME General Loan?
The processing fee is 0.50% + GST. Collateral terms: Requires statutory MSME registration and audited balance sheets for limits above ₹2 Crore.
What are the eligibility criteria for Bank of Baroda Baroda MSME General Loan?
Manufacturing and service MSMEs with viable financial track record. Minimum business vintage required is 1 year(s).
How can an applicant apply for Bank of Baroda Baroda MSME General Loan?
Apply online at https://www.bankofbaroda.in/business-banking/msme-banking/loans/baroda-msme-loan or visit nearest branch with KYC, Udyam registration, and bank statements.