Grow with Bank of Baroda.

Your micro, small, medium enterprises today will be a large corporate tomorrow.

डिजिटल एमएसएमई ऋण

Digital MSME Working capital loan

Digital MSME Working Capital Finance can be applied by the businesses to meet operating expenses, purchasing inventory, receivables financing and other short term business needs thereby providing liquidity to the business.

Prerequisites for applying Digital MSME Working capital loan

Before applying the Digital MSME Working capital loan the applicant should be ready with following things

  • Its valid mobile number and email ID,
  • PAN Details, GSTN username (In case registered with GSTN),
  • Mobile no registered with GSTN,
  • Latest ITR 3/5/6 downloaded from Income Tax website in .xml format,ITR 4 in pdf format (The applicant can attach minimum 1 year and maximum 3 year ITR),
  • Latest 6 months Bank statement downloaded from respective bank’s website/ received from banks mail ID in pdf format,
  • Business registration details / Udyam Registration details,
  • KYC details of business and business promoter/partner/proprietor,
  • Related party, if any,
  • Existing loan details.

Available on platform

M-Connect+, Baroda Connect, Bank of Baroda Website

Eligible Borrowers

Govt. of India vide Gazette notification S.O. 2119(E) dated 26.06.2020 (Annexure-I) has notified revised criteria for classifying the enterprises as Micro, Small and Medium enterprises and the revised definition is effective from 1st day of July 2020.

Sector Definition
Micro Enterprise The investment in Plant and Machinery or Equipment does not exceed One Crore Rupees AND turnover does not exceed Five Crore Rupees
Small Enterprise The investment in Plant and Machinery or Equipment does not exceed Ten Crore Rupees AND turnover does not exceed Fifty Crore Rupees
Medium Enterprise The investment in Plant and Machinery or Equipment does not exceed Fifty Crore Rupees AND turnover does not exceed Two Hundred and Fifty Crore Rupees.

Manufacturing Enterprises i.e. enterprises engaged in the manufacture or production, processing or preservations of goods with investment in Plant & Machinery and turnover as stated above.

Service Enterprises i.e. Enterprises engaged in providing or rendering services and whose investment in equipment and turnover as specified above. (Original cost excluding Land & Building and furniture, fittings and other items not directly related to the service rendered or as may be notified under the MSMED Act, 2006).

Purpose of Assistance/Nature of assistance

Working capital Fund based Facilities

Amount of Assistance

Minimum - Rs 10 Lakh
Maximum – Rs 5 Crore


12 Months subject to Annual review


First charge on all assets created out of the loan extended to the borrower OR as mutually agreed by the bank and the Borrower

Interest rate Interest rates are to be charged as per the policy of the bank.

Upfront fee/Processing charges as per the policy of the bank.

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