Save More Lives With Your Healing Touch!

With An Exclusive Loan Scheme For Healthcare Sectors & Medical Institutions.

Baroda Arogyadham Loan

  • Features
  • Eligibility
  • Interest Rates and Charges
  • Most Importsnt Terms & Conditions

Baroda Arogyadham Loan : Features

  • Setting up/purchase of ready possession of new clinics/hospitals, etc.
  • Expansion/renovation/modernization of existing hospitals/facilities.
  • Purchase of new medical diagnostic equipment/office equipment.
  • To meet working capital requirements including stocks of medicines.

Baroda Arogyadham Loan : Eligibility

  • All MSMEs are regulatory and expanded.
  • Exclusion: Real estate projects are not eligible.
  • Promoters/owners should not be HUF.

Note: At least one of the promoters/director (non-individual)/doctors should have requisite qualification in any branch of medical science.

Baroda Arogyadham Loan : Interest Rates and Charges

Competitive pricing linked to Repo rate/MCLR

Baroda Arogyadham Loan : Most Importsnt Terms & Conditions

Nature of Facility

Demand/term loan, overdraft, L/C, B/G


Minimum: 0.05 Crores


Rural Rs. 0.25 crore
Semi-urban Rs. 6 crores
Urban Rs. 12 crores
Metro Rs. 30 crores

Financial Ratios
DE ratio TTL/TNW 3:1
TOL/TNW 4.5:1
DSCR average 1.75
  • DSCR should not go below the level of 1.25 in any particular year.
  • Operating profit margin(before I, D & T)not to be below 10% of sales.
  • Minimum interest coverage ratio should be 2.
  • Current ratio 1.17(assessed only in working capital facilities)

Other important conditions
  • Stock/book debts statement to be obtained once a year.
  • CIBIL condition as per below:
    • For individuals, the score should not be below 700 (0 or -1 can be considered)
    • For non-individual, CMR ranking should not be below the rank of CMR -6.
    • Collateral free loans up to Rs. 200 lakhs are eligible for guarantee cover under CGTMSE. 
    • Credit rating not less than ‘BOB 6’ as per CRISIL model.

Add this website to home screen

Are you Bank of Baroda Customer?

This is to inform you that by clicking on continue, you will be leaving our website and entering the website/Microsite operated by Insurance tie up partner. This link is provided on our Bank’s website for customer convenience and Bank of Baroda does not own or control of this website, and is not responsible for its contents. The Website/Microsite is fully owned & Maintained by Insurance tie up partner.

The use of any of the Insurance’s tie up partners website is subject to the terms of use and other terms and guidelines, if any, contained within tie up partners website.

Proceed to the website

Thank you for visiting

We use cookies (and similar tools) to enhance your experience on our website. To learn more on our cookie policy, Privacy Policy and Terms & Conditions please click here. By continuing to browse this website, you consent to our use of cookies and agree to the Privacy Policy and Terms & Conditions.