AI-generated project report in Bank of Baroda's accepted format. Covers BOB MUDRA loan, Baroda MSME, PMEGP, and CGTMSE-backed business loans. With CMA data, DSCR, and repayment schedule.
बैंक ऑफ बड़ौदा — प्रोजेक्ट रिपोर्ट 60 सेकंड में तैयार
No credit card • 1 free report • Ready in 60 seconds
Bank of Baroda (BOB) is India's third-largest public sector bank with 9,500+ branches, a dedicated MSME vertical (Baroda MSME Loan Centre), and some of the highest MUDRA loan disbursals in the country. BOB is the state lead bank for Gujarat and Rajasthan — making it the most important bank for MSMEs in both states. BOB's key MSME products include Baroda MSME Loan (up to ₹25Cr), Baroda MUDRA (Shishu to Tarun), Baroda SME Gold Card, Baroda Artisan Credit Card, and dedicated women entrepreneur loans. A complete project report with CMA data and DSCR is required for all BOB MSME loans above ₹2 lakh.
Every report is formatted to the exact standards required by Indian banks and government departments.
Create your account in 30 seconds — no credit card needed.
Enter applicant details, select the scheme, set your loan amount.
Our AI drafts the full report with financials, projections, and CMA data in under 60 seconds.
Export PDF on the free plan (branded). Upgrade for clean exports plus Word (.docx) + Excel (.xlsx). Submit to bank or DIC office.
BOB's MSME appraisal checklist requirements addressed — covers financial ratios, market analysis, and repayment capacity
CMA data in IBA-approved format used by BOB's Baroda MSME Loan Centres
DSCR ≥ 1.25 (≥ 1.50 for BOB manufacturing loans) maintained across 5 projection years
Baroda MUDRA format: concise for Kishor, detailed with CMA for Tarun
Working capital assessment per BOB's Tandon Method II requirement
Gujarat and Rajasthan CMEGP/MYUY state schemes integrated where applicable
Export as Word — fully compatible with BOB branch documentation templates
Baroda MSME Loan is BOB's dedicated MSME lending product offering loans from ₹10 lakh to ₹25 crore for micro, small, and medium enterprises. Eligible businesses include manufacturing, trading, and services. The loan covers term loan (for capital assets) and working capital (CC/OD limits). Key requirements: Udyam registration, 2+ years of business history (for loans above ₹25L), complete project report with CMA data, and clean credit history.
BOB processes MUDRA Shishu (up to ₹50K) in 7 days through their digital platform. Kishor (₹50K–₹5L) takes 14–21 days. Tarun (₹5L–₹10L) takes 21–30 days with a mandatory project report and CMA data. BOB has dedicated MSME Loan Centres (MLCs) in major cities that process MSME and MUDRA applications faster than regular branches. Track your application on BOB's online portal.
BOB MUDRA loans: RLLR + spread (approximately 9.5–11% p.a.). Baroda MSME Loan (term): RLLR + 0.50% to 2.50% based on internal credit risk rating (approximately 10–13% p.a.). PMEGP: 11–12% p.a. BOB offers 0.50% interest concession for women-owned MSMEs. Loans under CGTMSE guarantee carry an additional 1% annual fee.
For MUDRA loans (up to ₹10L): no collateral required. For Baroda MSME loans up to ₹25L: CGTMSE guarantee covers collateral requirement. For ₹25L–₹2Cr: CGTMSE or collateral of 100% coverage. For above ₹2Cr: primary security (assets financed) + collateral of 25–100% of loan amount depending on the business. A strong project report with DSCR ≥ 1.50 can reduce collateral requirement in some cases.
Baroda SME Gold Card is a pre-approved revolving credit facility for existing BOB customers with satisfactory loan repayment history. It provides a CC/OD limit of ₹10L–₹5Cr for 3 years, renewable without full documentation every year. The card is evaluated based on the borrower's existing relationship with BOB, CIBIL score, and latest project report / financial statements.
Yes. BOB's psbloansin59minutes.com (for MSME loans up to ₹1Cr with GST and ITR filing) provides near-instant in-principle approval. For larger amounts, the BOB MSME portal (bankofbaroda.in/msme) allows online application submission with document upload. BOB also accepts applications through BCs (Business Correspondents) and PMEGP/MUDRA applications through the government portals. Complete your project report first, then apply online with all documents.