Bank of baroda

Loans and advances
We offer a range of loan and advance products to assist our corporate customers with their financial needs.
Working Capital Finance
We offer corporations working capital finance in Indian and foreign currencies to meet their operating expenses, assist in
the purchase of stock and inventory and provide financing for receivables. Working capital finance is provided either by
funded facilities where funds are made available to assist customers purchase assets or meet business expenses or by
non-funded facilities where we issue letters of credit or give guarantees on behalf of the customer to the suppliers or
Government departments for the procurement of goods and services.
Term Finance
Fund based finance is offered by way of term loans and non-fund based finance by way of deferred payment guarantees
to corporate customers for capital expenditure purposes and for the acquisition of fixed assets for expansion, diversification
and modernisation of industrial units or to pay off existing debt from other banks or financial institutions.
Short Term Corporate Loans
This loan plan allows customers to meet working capital as well as general corporate business requirements.
Loans to Small and Medium Sized Borrowers
We offer loans to eligible small and medium sized companies, business enterprises and trading houses (including
partnership and proprietary concerns) on competitive terms commensurate with the credit rating of the customer.
Sub-PLR Advances
Sub-PLR loans and advances are offered to high-rated customers at a rate lower than our Benchmark Prime Lending
Rate (BPLR) for all their business purposes. We also subscribe to commercial papers issued by corporations with high
credit ratings.

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Project Finance
We provide customers with finance for new and on-going projects and these funds may be denominated in Rupees or
other currencies as required. We also provide foreign currency short/medium and long term loans at our overseas
branches to eligible corporate entities to finance their projects in India as well as for executing project exports.
Infrastructure Finance
This product is used by corporate customers to fund all types of infrastructure projects including power generation,
transmission and distribution, road and bridge construction, airport and sea port-development activities, telecommunication,
water supply system and urban development projects. Infrastructure finance is also available in Indian currency and
foreign currency as required by the customer.
Nodal Bank with respect to Technology Upgradtion Scheme for the Textile Industry
We also act as a nodal bank to channelise subsidies provided by the Government under the Technology Upgradation
Fund Scheme for the textile industry. This role enables us to approve and finance technology upgradation schemes and
release the eligible subsidy expeditiously to our clients.
Loan against Future Rent Receivables
This product has been developed in response to the growth in the real estate market in metropolitan and urban centers
where many commercial properties and shopping malls have been developed. This product allows the owners of these
commercial properties to obtain loans secured against the future rent receivable from such properties.