Composite Loans

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Composite Loans

Baroda Vidyasthali Loan is a special scheme for financing Educational Institutions.

  • Small Enterprises (Manufacturing Sector) including artisans, village and cottage industrial units and Micro Enterprises in Small Enterprises Sector, and
  • Micro/Small (Service Sector) Enterprises engaged in industrial activities only.

Purpose

  • Fixed capital investment and / or working capital requirement.

Type Of Facility

Composite loans.

Amount of Loan

Upto Rs. 100/- Lakhs.

Margin

  • Nil in case of composite loan upto Rs. 25,000/-.
  • 15% - 25% in case of composite loans above Rs. 25000/- and upto Rs. 100/- Lakhs.

Security

  • Charge on assets created out of loan amount and other collateral securities as determined on the merits of each case.

Repayment Period

  • Minimum 3 years and maximum of 10 years (which can be extended), with initial holiday of 12 months to 18 months.

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