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Sme Roi

Micro and small enterprises are offered interest rates on credit between the bank rate (BR) plus 0.5% to BR plus 3.5% depending on the credit limit and rating. Larger enterprises are offered rates between BR plus 3.25% to BR plus 6.75% depending on their rating. All loans over 36 months include an additional 0.25% tenor premium added to the base interest rate.

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Sanjay Kumar
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13 views1 page

Sme Roi

Micro and small enterprises are offered interest rates on credit between the bank rate (BR) plus 0.5% to BR plus 3.5% depending on the credit limit and rating. Larger enterprises are offered rates between BR plus 3.25% to BR plus 6.75% depending on their rating. All loans over 36 months include an additional 0.25% tenor premium added to the base interest rate.

Uploaded by

Sanjay Kumar
Copyright
© Attribution Non-Commercial (BY-NC)
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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MSME-Rates of Interest

1. Micro and Small Enterprises (M S E) Size of credit limit Interest rate* Micro and Small Enterprises (MSE)-(Manufacturing and Service Sector) Upto `.50000/ BR + 0.50% Above `.50000 to `.10 lacs BR + 1.00% Above `.10.00 lakhs: Above `.10 lacs up to `.100 lacs ABOVE `.100 lacs Rating SYND 1 & 2 BR + 1.25% BR + 2.00% SYND 3 & 4 BR + 1.50% BR + 2.50% SYND 5 & 6 BR + 2.00% BR + 3.00% SYND 7 & Below BR + 2.50% BR + 3.50% *Micro Enterprises will get rebated of 0.50% in rate of interest for prompt repayment. However, Tenor premium of 0.25% on all Term Loans of 36 months and above to be added to the above rates for both Micro and Small Enterprises. Note: MSE stands for Micro and Small Enterprises in Manufacturing and Service Sector. Interest rate for Transport Operators and Retail Trade as applicable to Micro and Small Enterprises. Medium Enterprises, Large Industry, Finance granted to Housing and other intermediary agencies for on-lending to ultimate beneficiaries and others not covered under any other category. Rating 1 2 3 4 5 6 7 & Below Interest Rate* BR + 3.25% BR + 3.75% BR + 4.50% BR + 5.50% BR + 6.25% BR + 6.75% BR + 6.75% BR + 6.75%

SYND SYND SYND SYND SYND SYND SYND NPA

* Tenor premium of 0.25% on all Term Loans of 36 months and above to be added to the above rates. <<<>>>

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