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Baroda Overdraft for E-commerce

Not available

  • Benefits
  • Features
  • Eligibility
  • Interest rates & charges
  • Documentation
  • Terms & Conditions
Target group:

Sellers who are engaged in manufacturing/trading activities through the Flipkart portal. Flipkart identifies the eligible sellers based on their track record.


Working capital requirements for procurement/manufacturing/processing of goods/trading and receivables arising out of the Flipkart portal.

Type and period of facility:

Overdraft for 12 months


Rs. 5 lakhs to Rs. 25 lakhs


Collateral free facility

Not available

Interest rate & charges:

2.35% over BRLLR plus strategic premium

Management fee:

1.35% p.a. of overdraft limit

Inspection charges:

Rs. 1,000 per visit + actual conveyance and out of pocket expenses

Not available

Documentation charges

Actual stamp charges to be borne by the applicant for documentation and other applicable charges as per the Bank guidelines (depending upon state stamp duty rules).


CGTMSE payment of annual fee,renewal fee etc. in eligible cases to be borne by the merchant.

  • Hypothecation of receivables arising out of the Flipkart platform.
  • Hypothecation of stock lying under logistic arrangement with Flipkart or in the godown of the merchant.

  • The overdraft will have a running limit, subject to review after 12 months. Payments from Flipkart will be transferred into the merchant’s account that is being maintained with us.
  • If the above payment is not sufficient to service monthly interest, then the borrower will have to deposit the amount for servicing of interest at the end of each month.

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Frequently Asked Questions (FAQs) about

  • Not available

    Yes, you can avail a Home Loan from Bank of Baroda, if you plan to construct or purchase a house/flat or extend your existing house/flat and, you are

    • A minimum 21 years of age.
    • Employed or self-employed with regular income.
  • Not available

    The proposed owners of the residential accommodation as per the agreement for sale, in respect of which financial assistance is sought, must be of the co-applicants. Usually joint applications are from husband-wife, father-son, mother-son, etc.

  • Not available

    Loan amount is determined on the basis of the repaying capacity of the applicant(s). Repaying capacity is taken into consideration based on factors such as age, income, dependents, assets, liabilities, stability of occupation and continuity of income, savings, etc.

    The maximum loan would be Rs. 10 crores per unit to any individual applicant based on the area where property is proposed to be constructed/purchased. Our loan will extend up to 90% (for fresh houses/flat) of the cost of property under our Housing Loan Scheme.

  • Not available

    We grant a term up to maximum of 30 years. The term for the loan will under no circumstances exceed the age of retirement or completion of 65 years of age, whichever is earlier.

  • Not available

    Yes, you have the option to prepay the loan ahead of schedule either in part or in full, from your own sources.

  • Not available
    • Equated Monthly Instalment(EMI): It means a uniform lump sum amount, which includes repayment of a part of the principal amount and payment of interest, calculated on daily products basis.
    • Fixing the monthly/quarterly instalments on graduated basis is permitted of EMI as requested by our customers
  • Not available

    The security for the loan is equitable mortgage of the property to be financed.

  • Not available

    No, it is not mandatory.

  • Not available
    Common requirements for all applicants:
    1. Application form duly filled in (with photograph of all the applicant).
    2. Copy of approved plan and sanction letter from local civic authority.
    3. Copy of NA permission.
    4. One/two guarantor(s) form(s) and salary certificates. If the guarantor is in business, copies of IT returns or assessment orders for the last three years are required.< />
    5. Bank pass-book of statements for the last two years.
    6. Latest salary slip/statement showing all deductions in case of employed applicants.
    7. Copy of NA permission.
    8. One/two guarantor(s) form(s) and salary certificates. If the guarantor is in business, copies of I.T. returns or assessment orders for the last three years are required.
    9. Bank passbook of statements for the last two years.
    10. Latest salary slip/statement showing all deductions in case of employed applicants.
    11. Certified copies of balance sheets and profit and loss accounts, IT acknowledgments, advance tax challans(for both company/firm and personal account)for the last three years in case of self-employed applicants.
    12. Memorandum/articles of association for companies, partnership deeds for firms and a brief profile of your company/firm in case of self-employed applicants.
    13. Residence and age verification, which may be established from the PAN card, election ID, passport, drivers license, ration card, etc.

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