बड़ौदा पर्सनल लोन (स्वरोजगार)
Bank of Baroda personal loan for self-employed professionals and business owners up to ₹15 Lakhs.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Unsecured credit facility provided by Bank of Baroda to self-employed professionals, traders, proprietors, and enterprise promoters to support personal liquidity or working overheads.
प्रमुख लाभ एवं विशेषताएं
• High loan quantum up to ₹15 Lakhs without hypothecation • Repayment tenure up to 5 years (60 months) • Transparent Repo-linked pricing structure • Preferential terms for professionals like Doctors, CAs, and Architects.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Self-employed professionals and business owners with at least 3 years business continuity and taxable income >= ₹3 Lakhs/year. Min Age: 25, Max Age: 65. Min CIBIL: 720.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
NIL if closed from own business funds; 2% for takeover.
📂आवश्यक दस्तावेज (Required Documents)
• Identity & Address: PAN, Aadhaar, Business Proof • Financial Proof: Last 3 years ITR-V with Computation of Income, Audited P&L and Balance Sheet • Bank Statement: Last 12 months current account statements.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• Minimum 3 years of audited financials and continuous business operations. • Minimum annual taxable income of ₹3 Lakhs as per latest ITR. • Physical business premises inspection conducted by bank field officer.
🚀आवेदन के चरण (How to Apply)
1. Log into bob World internet banking. Submit self-employed loan application and upload ITR-V.
1. Apply on bankofbaroda.in > Self-Employed Loan. Upload GST certificate and last 2 years financial statements.
1. Visit nearest BOB branch with 3 years ITR, P&L statement, balance sheet, and 12 months current account statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the minimum business vintage needed?
At least 3 years of continuous operation in the same line of business.
Is collateral required?
No collateral or third-party guarantee is mandatory for eligible applicants.
Are CA-audited financials compulsory?
Yes, audited P&L and balance sheets are required for loan amounts exceeding ₹5 Lakhs.