Public Sector Bank (PSU)Working Capital Facility (CC / OD)Small Enterprise (Investment ≤ ₹10 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

Baroda Trade Express for Wholesale & Retail

Primary Lending Institution:Bank of Baroda (BOB)

₹5 Lakh to ₹5 Crore MSME credit at 8.75% – 10.45% with Up to 5 years tenure.

Interest Rate8.75% – 10.45%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹5 Lakh to ₹5 CroreBased on turnover & project cost

Repayment TenureUp to 5 yearsWith moratorium where applicable

Collateral SecurityRequires valid commercial trade license and minimum 2 years business vintage.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Requires valid commercial trade license and minimum 2 years business vintage.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is Baroda Trade Express for Wholesale & Retail?

Collateral-supported or CGTMSE-backed credit for traders, stockists, distributors, and dealers.

Key Benefits & Features

Ideal for inventory accumulation during festive seasons; quick overdraft operations; multi-city cheque facility.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Traders and stockists with established commercial premises.

Business Vintage2+ Years in Operation

Min. Annual Turnover₹20.0 Lakh

Processing Fee0.50% + GST

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.bankofbaroda.in/business-banking/msme-banking/loans/baroda-trade-express with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

What is the maximum loan tenure and amount for Baroda Trade Express for Wholesale & Retail?

Borrowers can avail ₹5 Lakh to ₹5 Crore with a repayment tenure of Up to 5 years.

What are the processing charges and collateral terms for Baroda Trade Express for Wholesale & Retail?

The processing fee is 0.50% + GST. Collateral terms: Requires valid commercial trade license and minimum 2 years business vintage.

What are the eligibility criteria for Baroda Trade Express for Wholesale & Retail?

Traders and stockists with established commercial premises. Minimum business vintage required is 2 year(s).

How can an applicant apply for Baroda Trade Express for Wholesale & Retail?

Apply online at https://www.bankofbaroda.in/business-banking/msme-banking/loans/baroda-trade-express or visit nearest branch with KYC, Udyam registration, and bank statements.