Products

  • Corporate Banking
  • Rural and Agri

Corporate Banking

We are committed to delivering world-class banking solutions. Driven by an integrated approach, we offer complete solutions for our diverse set of corporate sector clients. In terms of loans and services offered to our corporate clients, we stand to be No.1.

  • Loans and Advances
  • Services

Advance Against Shares

Bank of Baroda has introduced scheme of advances to individuals against shares for genuine individual investors.

Baroda Covid Emergency Credit Line

A scheme to meet the temporary liquidity mismatch arising out of impact of Covid-19 pandemic.

Baroda Guaranteed Emergency Credit Line Scheme

Loan for providing emergency credit line to support liquidity to the existing MSME/corporate borrowers adversely impacted by COVID 19.

Bill Finance

In order to ease the pressures on cash flow and facilitate smooth running of business, Bank of Baroda provides Bill finance facility to its corporate/non corporate clients.

Bridge Loans

Bank of Baroda has introduced a scheme called Bridge Loan for top rated corporate clients against expected equity flows/issues.

Export Finance

Being India's International bank is very active in export promotion. Besides the world-class services, we also provide Export Finance to Exporters at concessive terms to facilitate their competing in the global market.

FCNR Loans

Loan for capital expenditure such as purchase of new plant and machinery, acquisition of equipments and other assets.

Infrastructure Finance

Enables funding for infrastructure projects, such as, Power Generation, Road Constructions, Construction of Bridges on the Road/Railway Lines, Air/ Sea Port-Development Activities, Telecom, Water Supply System, Urban Development etc.

Line of Credit

Enables the clients to switch over between the various working capital facilities sanctioned with relative ease as per their needs.

Loan Against Future Rent Receivables

Owners approach banks for loans against security, considering the growth potential in the real estate in various metros and urban centers, where many commercial properties are being developed.

Non Fund Based Services

We offer services that are non fund base such as letter of credit, bank guarantee, bancassurance, credit reports, solvency certificates, etc.

Project Finance

Provides its customers with the option of a loan to take care of the needs of an ongoing project, whether it is in Indian or foreign currency.

Takeover of Accounts

With this facility clients can shift their banking transactions to Bank of Baroda and enjoy the world-class services of Indias international bank. The take over of accounts would be strictly on merits and under discretion of the bank.

Term Finance

Finance for capital expenditure/acquisition of fixed assets towards starting/expanding a business unit or to swap with high cost existing debt from other bank.

Working Capital

To meet a firm's operating expenses, purchasing inventory, receivables financing, either by direct funding or by issuing letter of credit.

Appraisal Merchant Banking

Credit and merchant appraisals of all types of business ventures including infrastructure projects by our specialised team of officials at a reasonable cost.

Cash Management Remittances

Technology led and service driven Bank provides us competitive advantage and you may route your voluminous collection/payment through us for faster credit to corporates.

Supply Chain Finance

Supply Chain Finance is a short term working capital finance to dealers/suppliers to optimise working capital requirements.

Rural and Agri

Our objective is to provide a platform to the farmers to solve their problems and adopt better farming practices through dissemination of new agricultural practices and improvement of existing practices. This initiative will help in overall adoption of better farming practices.

  • Loans & Advances

New Scheme for Tractor

The schemes have been implemented with “Nodal Branch approach”. These branches will sanction tractor loans under these schemes not only for their branch but will also assist nearby branches in business canvassing and sanctioning.

Advances to Food Agro Based Units Under Agriculture

Financing the new projects, working capital and non fund based facilities to the units engaged in activities of oil mill/solvent extraction, agro/food processing, cotton seed oil extraction, etc.

Agriclinics Agribusiness Centres by Agriculture Graduates

A financial aid for setting up of Agriclinics and Agribusiness centers in order to supplement efforts of public extension by necessarily providing extension and other services to the farmers.

Agricultural Land Development Loan

Covers activities of terracing, bunding, levelling, kyari preparation, drainage layout and reclamation of saline, alkaline and ravine

Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme

Provide adequate and timely credit support under a single window to the farmers for activities related to Animal Husbandry and Fisheries.

Baroda Kisan Credit Card (BKCC)

Aims at providing adequate and timely credit support from the banking system under a single window to the farmers for their cultivation & other needs.

Baroda Kisan Group Loan Scheme

The finance to JLG is expected to be a flexible credit product addressing the credit requirements of its members, the credit may be extended in the form of BKCC for crop production, consumption, marketing, etc.

Baroda Kisan Tatkal Loan Scheme

A scheme to meet the emergent funds requirements for agriculture and domestic purposes during off season. Farmers who are existing Baroda Kisan Card Holders are eligible.

Baroda Sanitation Scheme

Scheme for construction of toilets including refurbishment of household toilets. Improvement of drinking water facilities, financing construction of water tank, bore well water connection etc.

Commercial Production Units of Organic Inputs

Scheme covers establishment of fruit and vegetables/agro waste compost production unit, bio-fertilizers and bio-pesticides production unit.

Construction Of Storage Structure Projects

Term loan/working capital facilities may be considered for activities like creation of scientific storage capacity viz. godowns, dry warehouses, cold storages, cold chains, silos and market yards.

Construction of Toilets under Swachh Bharat Abhiyan

Keeping the movement of Swachh Bharat Abhiyan alive through this initiative. This is a scheme that we at, Bank of Baroda, are offering for the construction of individual household toilet.

Cultivation of Crops (Excluding Plantation and Horticultural Crops)

Supports in purchasing of agricultural inputs such as seeds, fertilizers, pesticides, etc. and for payment of labour charges, irrigation etc.

Distribution of Agricultural Inputs such as Seed Fertilizers, Insecticides, etc.

Finance for advances against high yielding/hybrid seeds produced under contract with the National Seeds Corporation Ltd. or State Government.

Finance for Purchase of Smartphones for Farmers

All persons engaged in cultivation of crops are eligible to this finance facility, an amount used to purchase a Smart Phone for farmers.

Financing Against Warehouse Receipt

Finance against warehouse receipt provided to the eligible people. Farmers including Self Help Groups (SHGs) or Joint Liability Groups (JLGs) who maintain disaggregated data of such loans.

Financing Agencies Providing Custom Services To Farmers

Finance to organization/institution providing services like a tractor, bulldozer, drill rig for boring wells, drilling tube wells. Equipment for construction of wells, lift irrigation, purchase of combine harvester, etc.

Financing Construction of Farm Buildings Structures

The scheme was aimed at the construction of “farm structures viz; bullock shed, implement shed, tractor and truck shed, farm store, godowns and farm silos, dutch barn, water trough for farm animals, threshing yard, “gur” making shed and fencing.

Financing Development of Dairy, Poultry, Fishery, etc.

To fulfil capital and working capital requirement of units engaged in dairy, piggery, poultry, equipment/machinery/transport vehicle for purchase of feed and to meet other expenditure such as labor, marketing etc.

Financing Farmer Producer Companies (FPC)

All registered farmer producer companies with at least six months of operations since registration are eligible. Provides purchase of input material for supplying to the farmers and much more.

Financing Four Wheeler Loans to Farmer

Financing Four Wheeler Loans to a Farmer is sanctioned to purchase any new four-wheeler including jeep, SUV, station wagon, rural transport vehicle etc., for use in their farm management activities.

Financing Irrigation

Farmers engaged in the cultivation of crop as owner of land, cultivators, permanent tenants or leaseholders or sharecroppers are the eligible target group.

Financing of Joint Liability Groups

Financing of Joint Liability Groups to augment the flow of credit to farmers, especially small, marginal, tenant farmers, oral lessees, sharecroppers/individual taking up farm activities.

Financing Tractors and Heavy Agriculture Machinery

Helps with the purchase of new tractor, tractor drawn implements and power tiller and other agriculture machines etc.

Financing Under Self Help Groups (SHGs)

Financing Under Self Help Groups is for any purpose except speculations. Loan amount based on the need of finance of SHG and SHG should be in existence for at least 6 months.

Installation of Gobar Gas/Biogas Plants

Aim is to provide finance to farmers for solar energy home lighting system in rural and semi-urban places for renewable source of energy.

Installation of Solar Home Lighting Systems

A loan to provide finance to farmers for solar energy home lighting system in rural and semi-urban places for renewable source of energy.

Lending to Agriculture Other Priority Sectors demand loan for financing against

Meet short term agriculture credit and investment needs i.e. both for crop production and allied activities, Bank of Baroda offers Gold Loan at attractive interest rates to farmers up to Rs. 25 lakhs.

Loan for Installation of Solar Photovoltaic Pump Sets

A loan to purchase solar photovoltaic water pumping system that consists of PV array, motor pumping set, interconnect cables, and electronics.

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

Providing working capital requirements and advances to new/existing (including take over from other banks) food and agro-based processing units.

Scheme for Financing Mini Dairy Units

A scheme to establish new small dairy units with 2 to 10 milch animals. Per animal cost as given/provided by respective regional offices of NABARD of the concerned state.

Scheme for Financing NBFC-MFIs

A scheme for on-lending to individuals/groups, which is eligible for categorization as priority sector advance under respective categories, subject to their compliance with the laid down criteria, as per RBI guidelines.

Scheme for Financing Pradhan Mantri Matsya Sampada Yojana (PMMSY)

A scheme for sustainable development of fisheries sector. Beneficiary oriented sub-components activities under centrally sponsored components of Pradhan Mantri Matsya Sampada Yojana.

Scheme for Financing under Agriculture Infrastructure Fund

A financing facility for investment in viable projects for post-harvest management infrastructure. Scheme includes community farming assets through incentives and financial support in order to improve agriculture infrastructure.

Scheme for Purchase of Agriculture Land

A financial aid for farmers to purchase, develop and cultivate agricultural and fallow/waste land.

Shahari Bagwant Yojna

Scheme is only for Horticultural crops in residential sites. We encourage and facilitate kitchen garden or decorative horticulture to be undertaken by owners, occupants and housewives.

SHGS/JLGS in Partnership with Corporate BC

Purpose is to provide credit facilities to SHGs in partnership with Corporate BCs for taking up different Agricultural, Agri-allied and other Non Agri income generating activities.

Silos/Godowns for Storage of Agriculture Produce

Financing new project i.e. acquisition/construction of Silos, storage facilities, plant & machinery etc. based on project cost including the takeover of existing units. Working capital requirements for the operational requirement of the project.

Two Wheelers (Motorcycle/Scooter) Loan to Farmer

Loan is sanctioned to all new and existing farmers engaged in agriculture and/or allied activities for the purchase of new two-wheeler (motorcycle/scooter).

Warehouse/Storage Receipts to Food and Agro Unit Enjoying Credit Facility with our Bank

A facility given by the bank to full fill the working capital requirements to food & agro-processing units.

Planters Card Scheme

Meet the short term credit requirements for cultivation of coffee and other plantation crops. This helps post-harvest expenses, produce marketing loan, consumption requirements of planter’s household, working capital for maintenance of farm assets, etc.

Loan/Overdraft Against Bank’s Own Deposit (Labod/Odbod)

Any individual with self-declaration/proof that he is engaged in agriculture activities/the proceeds of LABOD/ODBOD will be used for agriculture purpose is eligible.

Pradhan Mantri Kisan Urja Suraksha Evam Uthaan Mahabhiyaan (PM-KUSUM Scheme)

PM-KUSUM scheme is a financing installation of small renewable energy project of 2 MW. Installation of standalone solar pumps and solarization of existing grid connected agriculture pumps.

Purchase of Estates/Orchards Growing Traditional Plantation Crops

Funding used to purchase estates growing traditional plantation crops viz. coffee, tea, rubber, cardamom, cashew, pepper, coconut and other perennial orchard crops.

Scheme for Development of Horticulture

A scheme to establish new or maintaining existing orchards, gardens, plantations and nurseries. All capital cost for development of horticulture and maintenance are financed.

Scheme for Financing Compressed Biogas (CBG)

A financing scheme to set up a Compressed Biogas Plant. Compressed Biogas plants across India with a minimum design capacity of CBG plant i.e 2.0 tons per day are eligible to apply.

Redemption of Debts of Farmers from Non-Institutional Lenders

A redemption provided to mitigate acute distress faced by farmers due to the heavy burden of debt availed from non-institutional lenders.

Scheme for Financing Facility under PM Formalization of Micro Food Processing

Finance for upgradation of existing Micro Food Processing enterprises under PM Formalization of Micro Food Processing Enterprises Scheme.

Rates & Charges

Check out our competitive rates and service charge for different types of loans.

  • 6.75% P.A.*

    Baroda Home Loan

  • 7.00% P.A.*

    Baroda Car Loan

  • 6.75% P.A.*

    Baroda Education Loan

  • 10% P.A.*

    Baroda Personal Loan

*APR as low as

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