Get loan approval sitting at your home/workplace


Attractive Interest Rate

  • Benefits
  • Features
  • Eligibility
  • Document Required (Pre-requisites)
  • Fees & Charges
  • Most Important Terms and Conditions (MITC)

Baroda Smart OD : Features

Minimum Loan Amount: Above Rs. 0.50 lakh

Maximum Loan Amount: upto Rs. 25 Lakhs

Baroda Smart OD : Eligibility

  • Existing GST and UDYAM registered individual/proprietorship Current Account holder of our bank (minimum 12 months)
  • Age minimum 21 years maximum 60 years

Baroda Smart OD : Document Required (Pre-requisites)

  • Current Account number and registered mobile number for OTP.
  • Udyam Number and registered mobile number for OTP.
  • GST Number and registered mobile number for OTP
  • Bank Statement

Baroda Smart OD : Fees & Charges

Overdraft Loan

 

Loan Limit Condition

 

Repo Linked lending Rate + Strategic Premium + Spread

 

Effective

 ROI

Rate of Interest
(
based on CIBIL Score and BRE score)

 

Loan amount of Rs.50,000/- and above

 

   

Min: BRLLR+SP+0.60%

Max: BRLLR+SP+0.85%

 

10.00% to

10.25%

 

 Unified Processing Charges

 

Unified processing charges 0.50% + GST

 

Inspection Charges: Rs. 500/- + GST per annum

Stamp duty

As per state stamp act

Click Here to know more.

Baroda Smart OD : Most Important Terms and Conditions (MITC)

  • KYC compliance
  • OD facility is sanctioned for 12 months.
  • loan document execution to be done at branch, annual inspection by bank officials.
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