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Baroda SME Gold Card

Baroda SME Gold Card envisages provision of additional limit of 10% of the assessed eligible bank finance for Working Capital to Micro, Small & Medium Enterprises as per Regulatory definition and all other enterprises with annual sales turnover of Rs. 1/- crore to Rs. 150/- crores, on request along with regular application for Working Capital limits to meet emergent requirements.

PURPOSE:

  • To provide hassle free on the spot assistance to take care of borrowers’ emergent requirements and tie up temporary mismatch in liquidity arising out of delayed payment by buyers, tax payment, execution of bulk orders, etc.

ELIGIBILITY

  • Accounts in Standard Category for last 2 years, with credit rating of BOB-4 and above and enjoying working capital limits of Rs. 25/- Lakhs and above.
  • Accounts having sole banking arrangement with our bank/proposed to be financed under Sole Banking arrangement.

RATE OF INTEREST

  • As per Credit Rating and as applicable for regular Cash Credit facility.

PERIOD

  • 12 months to be allowed on 4 occasions during the year for a maximum period of 2 months on each occasion with a minimum gap of 15 days between two drawals.

SECURITY

  • As applicable to regular Cash Credit facility.

DOCUMENTATION

  • No additional documentation/formalities required at the time of availing facility every time as the 10% additional limit will be a part of the regular sanction.

    Conditions apply.

To know the current interest rates Click here.



> Working Capital Finance > Term Finance > SSI > SME > Small Business Borrowers > Traders Loan




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