बैंक ऑफ बड़ौदा के साथ आगे बढ़ें.
आपका सूक्ष्म, लघु एवं मध्यम उद्यम भविष्य में एक बड़ा कॉर्पोरेट बन जाएगा.

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

कपड़ा इकाइयों के वित्तपोषण के लिए योजना


Applicable to
This special scheme is offered to MSME borrowers in five Zones of Bank, namely Ahmedabad, Baroda, Chennai, Jaipur and Rajkot.
Nature of facility Term Loan/Demand loan, Cash Credit and
Non-Fund based limit ie LC & Bank Guarantees
Limit Minimum: Rs. 25 lacs, Maximum: Rs. 25 crores.
Purpose
  • Working Capital requirement both Fund Based and Non-Fund Based.
  • Financing new project i.e. acquisition / construction of land and building and plant and machinery (including second hand plant and machinery as per Bank guidelines) based on the project cost.
Eligibility

All new/existing units (including taken over from other banks) engaged in textile activity including Job worker /Traders falling under MSME Segment.
The following textile activities may be covered under the scheme:

A) Regulatory:

i)  Manufacturing of :

  • Cotton Fabrics
  • Cotton Yarn
  • Worsted Fabrics
  • Readymade Garments
  • Denim
  • Jute Textiles
  • Viscose Staple Fibre
  • Viscose Filament yarn
  • Acrylic Fibre
  • Texturizing
  • Fibre Intermediates (polyester)
  • Blended yarn
  • Manmade Fibres
  • Warp knitting
  • Circular knitting
  • Dyeing or/and printing unit
  • Grey cloth weaving
  • Embroidery Unit
  • Jari badla/ Jari thread/ malai Dhori
  • Spinning of cotton / synthetic yarn
  • Synthetic-Fabrics
  • Man Made Fibres

B) Baroda SME Gold Card:

Borrower accounts with ‘Standard’ category for the last 1 year subject to internal credit rating of Bank. The constitution of borrower can be Proprietorship / Partnership concerns / LLP / Private Limited Co. / Ltd Co. HUF are not eligible.

Method of assessment of working capital limit As per Bank Guidelines.
Note A: Assessment of limit should be independent of TUFS subsidy ie while calculating DSCR and Margin, projected TUFS subsidy should be excluded.
Rate of Interest The interest rate under this scheme is applicable as per Table A, subject to certain conditions mentioned in Note A:

TABLE A

Sector

Rate of Interest

Micro and Small Enterprise BRLLR + SP + 1.50% or as per credit rating whichever is lower, subject to Minimum Obligor rating accepted in Bank.
Medium Enterprise BRLLR + SP + 1.50% or as per credit rating whichever is lower, subject to Minimum Obligor rating accepted in Bank.
SME Expanded MCLR + SP + 2.00% or as per credit rating whichever is lower, subject to Minimum Obligor rating accepted in Bank.

 

Note A :

  • Internal Credit rating should be carried out and only the accounts with internal rating accepted as per Bank Guidelines, shall be considered for financing.
  • Bank reserve the right to refix the spread as and when deemed fit without prior intimation.
  • For the Exposure upto Rs. 5 crores borrower may opt for ROI Linked to CMR Rating.
  • Bank offers special concessional ROI and allows higher exposure limit for borrowers in Baroda & Jaipur Zone.
Margin

Type of Facility

Type of Primary Asset

Margin

Cash Credit Stock and Book Debts 25% (minimum)
Term Loan Factory Land & Building

30%

New Plant & Machinery and other misc. fixed assets

25%

Second hand Plant & Machinery (under TUF scheme)

30%

Second hand Plant & Machinery (imported)

30%

Second hand Plant & Machinery (indigenous outside TUF scheme)

40%

Period
  • For working capital facilities : 12 Months
  • For Term Loan: Maximum 9 years (including moratorium period), subject to review every year.
Repayment of Term Loan
  • In suitable monthly Instalment after Initial Moratorium period.
  • Interest to be serviced every month even during moratorium period.
कॉलबैक अनुरोध

कृपया यह विवरण भरें, ताकि हम आपको वापस कॉल कर सकें और आपकी सहायता कर सकें.

चयन करें Loans and Advances Type
  • बड़ौदा आरोग्यधाम ऋण
  • बड़ौदा कारीगर क्रेडिट कार्ड
  • बड़ौदा कॉंट्रैक्टर – मुंबई
  • बड़ौदा कॉंट्रैक्टर योजना
  • बड़ौदा कोवि हेल्थकेयर योजना
  • एमएसएमई उद्यमियों के लिए बड़ौदा जीएसटी रिसीवेबल्स कार्ड
  • बड़ौदा एसएमई गोल्ड कार्ड
  • बड़ौदा एसएमई ऋण पैक
  • बड़ौदा विद्यास्थली ऋण
  • msme ऋण
  • प्रधानमंत्री मुद्रा योजना
  • बड़ौदा ऊर्जा दक्षता परियोजना (बीईईपी) वित्त
  • PM SVANidhi Scheme (a special micro credit facility for street vendors)
  • कपड़ा इकाइयों के वित्तपोषण के लिए योजना
  • Credit Guarantee Scheme for Subordinate Debt (CGSSD)
  • डिजिटल एमएसएमई ऋण
  • स्ट्रेटेजिक ग्राहकों के लिए पूर्व-स्वीकृत विनिर्माण और खनन उपकरण (सीएमई) ऋण सीमाएं
  • डिजिटल मुद्रा ऋण
  • बड़ौदा ई-बिजनेस पैक
  • बड़ौदा लघु उद्यमी क्रेडिट कार्ड
  • Baroda Loan to Business Correspondents
  • बड़ौदा एमएसई जनरल क्रेडिट कार्ड
  • बड़ौदा प्रॉपर्टी प्राइड
  • वैल्यू चेन फायनांस के अंतर्गत बिल / इनवॉइस डिस्काउंटिंग
  • बॉब बुनकर मुद्रा योजना
  • वाणिज्यिक वाहन वित्तपोषण
  • संमिश्र ऋण
  • विनिर्माण एवं खनन उपकरण वित्तपोषण योजना
  • सूक्ष्म एवं लघु उद्यमों के लिए क्रेडिट गारंटी निधि ट्रस्ट योजना (सीजीटीएमएसई)
  • क्रेडिट लिंक्ड कैपिटल सब्सिडी योजना (सीएलसीएसएस)
  • डीलर्स/ व्यापारी - कृषि इनपुट
  • एमएसएमई कैपेक्स ऋण तथा कैपेक्स कार्ड
  • एनएचएफडीसी पुन:वित्तपोषण
  • प्रधानमंत्री का रोजगार निर्माण कार्यक्रम ( पीएमईजीपी)
  • पेशेवरों के लिए योजना
  • एसएमई मध्यम अवधि ऋण
  • एसएमई लघु अवधि ऋण
  • स्टैंडअप इंडिया योजना (एसयूआई)
  • प्रौद्योगिकी एवं गुणवत्ता अपग्रेडेशन (टीईक्यूयूपी) योजना
  • टेक्नॉलॉजी अपग्रेडेशन फंड योजना (टीयूएफएस)
  • आवधिक वित्तपोषण
  • लार्ज रीयल एस्टेट डेवेलपर्स के वेंडरों/आपूर्तिकर्ताओं के लिए वेंडर बिल डिस्काउंटिंग उत्पाद
  • कार्यशील पूंजी वित्तपोषण
  • Others

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