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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 up to Rs. 150/- crores, on request along with regular application for Working Capital limits to meet emergent requirements.


  • 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.


  • Accounts in Standard Category for last 2 years, with credit rating of BOB-5 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.


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


  • 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.


  • As applicable to regular Cash Credit facility.


  • 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.

Click here to download copies of blank agreements to be executed by the borrowers

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

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