Financing growth & transforming Rural India.

Bank of Baroda, for rural India, with rural India.

Baroda Sanitation Scheme

Parameter Prescribed Norms
  • Construction of toilets including refurbishment of household toilets.
  • Improvement of drinking water facilities, financing construction of water tank, bore well water connection, etc.
  • Individuals, JLGs and SHGs and person belonging to the weaker section with a banking relationship with our bank for a minimum period of 6 months.
  • The borrower must possess/own a household property, water facilities and toilet must be built within that property only.
Age Minimum 18 years
Maximum up to 70 years as on the date of availing facility (if the age of land holder exceeds 70 years, in such case the legal heir to be made co-borrowers).
Quantum of Loan Minimum: Rs. 20,000
Maximum: Rs. 1,00,000 (subject to project cost)
Margin 10%
Interest Rates & Charges One year MCLR + Strategic Premium+0.50%
  • Primary: Hypothecation of assets created out of loan amount.
  • Collateral in the form of Third-party guarantee.
  • DP Note
  • Composite Hypothecation Agreement
  • Letter of Installment with Acceleration Clause (LDOC-57)
  • General Form of Guarantee (LDOC-33)
  • Other undertakings, as applicable
Mode of Disbursement Disbursement in 2 instalments. End use of the previous instalment to be verified before the release of next instalment.
Repayment Period Repayable in 60 months (Monthly/quarterly/half-yearly instalment) including moratorium period of maximum 3 months
Processing Charges Nil
Type of Facility Term Loan


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  • Financing Four Wheeler Loans to Farmer

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  • Financing of Joint Liability Groups

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  • Scheme for Financing under Agriculture Infrastructure Fund

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  • Shahari Bagwant Yojna

  • Silos/Godowns for Storage of Agriculture Produce

  • Two Wheelers (Motorcycle/Scooter) Loan to Farmer

  • Warehouse/Storage Receipts to Food and Agro Unit Enjoying Credit Facility with our Bank

  • Planters Card Scheme

  • Loan/Overdraft Against Bank’s Own Deposit (Labod/Odbod)

  • Pradhan Mantri Kisan Urja Suraksha Evam Uthaan Mahabhiyaan (PM-KUSUM Scheme)

  • Purchase of Estates/Orchards Growing Traditional Plantation Crops

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