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Baroda GST Receivables Card For MSME Entrepreneurs


To provide additional working capital assistance to customers facing crunch in liquidity arising out of GST paid on purchases and input tax credit on the same not yet claimed / eligible for refund.


  • Minimum CMR Rating upto CMR 5 in case of limits up to Es. 10.00 crores. In case CMR not available, minimum rating of BOB 6 in Greenfield projects and BOB 5 in other cases.
  • Availing working capital limits of Rs. 25.00 lacs or above from our Bank under Sole/ Multiple consortium banking arrangement.

Quantum of Adhoc

Up to 80% of:

    • Input tax credit under GST pending as on date which is to be claimed in future; and / or
    • Input tax credit unutilized under GST where refund is to be applied / already applied to the concerned authority.

As per CA (Statutory Auditor of the firm / company) Certificate to that effect.

Disbursement shall be restricted against input tax credit pertaining to the immediately preceding quarter only, from the quarter in which request for disbursement is made (Jan-Mar, Apr-Jun, Jul-Sept., Oct-Dec.). For e.g. for disbursement request made anytime between 1st April to 30th June 2018, eligible input tax credit should pertain to January to March 2018 quarter only.

up to 15% over and above of the existing Fund Based Working Capital Limit


Maximum up to -9- months including maximum moratorium period up to -3- months.

Rate of Interest

Competitive pricing linked to Repo rate/MCLR

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