Helping millions of Indian farmers benefit from our schemes.

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

Shahari Bagwant Yojna

Particulars Guidelines under the scheme
Purpose The scheme is basically intended to encourage and facilitate kitchen garden or decorative horticulture to be undertaken by owners, occupants and housewives. Finance can be extended at all centres (urban, metropolitan, semi- urban and rural). This scheme is only for Horticultural crops in residential sites.
Eligibility Individuals:
  • Should possess independent house having 500 square feet of open space for gardening. For raising of roof garden, similar area of open encumbered roof space must be available.
  • Should have regular source of income. Salaried person. Professionals and business men having steady income will be covered under the scheme. Salary certificates of the employees and income tax assessment orders of others individuals should be obtained.
  • Proprietary or partnership firms, trusts and societies can be financed under this scheme. Privately owned schools, offices, guest houses, hospitals and hotels having at least 1000 square feet of open space for gardening are eligible. Parking place and play areas should be counted as garden space.
Quantum of Loan
  • A unit cost of Rs. 33,000 be taken for every 1000 square feet of garden space.
  • Maximum amount of loan is Rs. 3 lakhs for individual and Rs. 30 lakhs for institutions.
  • Loans for less than Rs. 20000 should not be considered.
Nature of Facility Term Loan
Demand loan
Rate of Interest As per RBI/Bank’s guidelines revised from time to time.
Margin Upto Rs. 1 lakh – Nil
Above Rs. 1 lakh – 15 %
Repayment Period 12 to 24 monthly instalments for individuals
12 to 36 monthly instalments for institutions.

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  • Scheme for Financing Farm Development Activities

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  • Baroda Kisan Tatkal Loan Scheme

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  • Cultivation of Crops (Excluding Plantation and Horticultural Crops)

  • Financing Against Warehouse Receipt

  • Financing Agencies Providing Custom Services To Farmers

  • Financing Construction of Farm Buildings Structures

  • Financing Development of Dairy, Poultry, Fishery, etc.

  • Scheme for Financing Farmer Producer Companies / Organizations (FPCs / FPOs)

  • Financing Four Wheeler Loans to Farmer

  • Financing Irrigation

  • Financing of Joint Liability Groups

  • Financing Protected Cultivation projects (Green House/Poly House/Shade Net House/Plastic tunnels & Walk in tunnels/Anti-bird/Anti-hail nets/plastic mulching/Hydroponics/Aquaponics and Aeroponics etc)

  • Financing Tractors and Heavy Agriculture Machinery

  • Financing Under Self Help Groups (SHGs)

  • Installation of Gobar Gas/Biogas Plants

  • Installation of Solar Home Lighting Systems

  • Lending to Agriculture Other Priority Sectors demand loan for financing against

  • Loan for Installation of Solar Photovoltaic Pump Sets

  • Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit

  • Scheme for Financing Mini Dairy Units

  • Scheme for Financing NBFC-MFIs

  • Scheme for Financing Pradhan Mantri Matsya Sampada Yojana (PMMSY)

  • Scheme for Financing under Agriculture Infrastructure Fund

  • Scheme for Purchase of Agriculture Land

  • 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

  • Scheme for Development of Horticulture

  • Scheme for Financing Compressed Biogas (CBG)

  • Scheme for Financing Facility under PM Formalization of Micro Food Processing

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