Baroda Emergency Credit Line for Farmer Producer Organization (FPO / FPC)


To meet the temporary liquidity mismatch of FPO / FPCs arising out of COVID-19.


Existing FPO / FPC borrowers of our Bank under Standard category

Quantum of Loan

10% of the combined limits (includes CC and TL) sanctioned to FPO / FPC with Max amount of Rs.5,00,000/- (Rupees Five lakhs only)

Nature of facility

Working Capital Demand Loan

Rate of Interest

One year MCLR + SP



Repayment Period

Maximum Moratorium of 6 months
Repayment can be fixed through monthly / quarterly instalments basis after the completion of moratorium period


Extension of Hypothecation of Stock / structure / equipment / machinery purchased or created out of bank finance

Collateral Security
For group exposure up to Rs 100.00 lakhs and Credit Guarantee sought from SFAC- No collateral security required but the CG coverage to be enhanced through due process of application to SFAC

For credit facilities without CG from SFAC and / or credit facilities of more than Rs 100.00 lakhs – As per Bank’s policy

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