Bank of Baroda SME Loans

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All about Bank of Baroda SME Loans

Bank of Baroda SME Loans

Interest rates applicable for domestic credit (Micro, Small & Medium Enterprises) w.e.f 01.08.2011

Micro / Small Enterprises


Loan Limit
For Micro Enterprises For Small Enterprises
Upto Rs. 50,000 At Base Rate 0.50% above Base Rate
Above Rs. 50,000 upto Rs. 2.00 lacs 0.50% above Base Rate 1.00% above Base Rate
Above Rs.2 lacs but less than Rs.25 lacs 2.75% above Base Rate 3.25% above Base Rate

On SME advances of Rs.25.00 lacs and above

Credit Rating For Micro Enterprises Fund Based Limits upto Rs.10 crores Fund Based Limits above Rs.10 crores
CR1 2.15% above Base Rate 2.65% above Base Rate. 3.15% above Base Rate
CR2 2.50% above Base Rate. 3.00% above Base Rate. 3.50% above Base Rate.
CR3 2.75% above Base Rate. 3.25% above Base Rate. 3.75% above Base Rate.
CR4 3.00% above Base Rate. 3.50% above Base Rate. 4.00% above Base Rate.
CR5 3.50% above Base Rate. 4.00% above Base Rate. 4.50% above Base Rate.
CR 6, 7, 8, 9 & 10. 4.00% above Base Rate. 4.50% above Base Rate. 5.00% above Base Rate.

Medium Enterprises :

I. For advances over Rs. 2/- lacs and less than Rs. 25/- lacs : 3.75% above Base Rate

II. For advances of Rs. 25/- lacs and above
Credit Rating Fund Based Limits upto Rs.10 crores Fund Based Limits above Rs.10 crores
CR1 2.90% above Base Rate. 3.40% above Base Rate.
CR2 3.25% above Base Rate. 3.75% above Base Rate.
CR3 3.75% above Base Rate. 4.25% above Base Rate.
CR4 4.25% above Base Rate. 4.75% above Base Rate.
CR5 5.00% above Base Rate. 5.50% above Base Rate.
CR 6, 7, 8, 9, 10. 5.75% above Base Rate. 6.25% above Base Rate.

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