Sme Loan

S.N.
PRODUCT FACILITY MIN MAX MARGIN OTHER FEATURE

BEYOND
1 SME CREDIT CARD CC/TL NIL 10 LAC 25K- 20%
1) APPLICABLE FOR RUNING STD SME ACC FOR PAST 2 YR.

2) MAX. 12 TIMES IN A YR SCHEME CAN BE AVAILED WITH THE GAP
2 SME CREDIT PLUS SCHEME CC NIL 25 LAC NIL OF 15 DAYS.
3) AMT ONCE DRWAN MUST LIQUIDATE WITHIN 2 MONTH.
1) Quantum of loan
a) Manufacturing - 5 lac to 50 lac
CC/TL/ 5 LAC WC- 20% b) Service & Trade - 5 lac to 25 lac
3 SME SMART SCORE 50 LAC
COMBO TL- 33% 2) Monthly stock statement.
10 LAC 1 CRORE WC- 20%

4 SME e-SMART SCORE (CLP) CC/TL TL- 33% Available at www.psbloansin59minutes.com/sbi
5 GENERAL CREDIT CARD CC/TL NIL 5 LAC 20% Repayment CC- Renewal in 3 yr, TL-5 Year
6 ARTISAN CREDIT CARD CC NIL 2 LAC 20% CC renewal in every 3 years.
7 WEAVER CREDIT CARD CC/TL NIL 2 LAC 20% CC renewal in every 3 years, TL- 3 Years
BEYOND 1) SHISHU - Upto 50K 2) TARUN - 50K- 5 Lac

1 PMMY CC/TL NIL 10 LAC 50K- 20% 3) KISHOR - 5 Lac - 10 Lac
SIMPLIFIED SMALL BUS. LOAN Above Less thn 10%

2 OD Repayment 1-5 Yr reducing DP.
(SSBL) 10 LAC 25 LAC
3
S.N. PRODUCT TYPE MIN MAX MARGIN OTHER FEATURE
1 e-DFS CC NA NEED BASED NIL 100% Ofinvoice amt financing
2 m-DFS (m- Mortgage) CC 1 CRORE NEED BASED 10% Credit period upto 90 days. 100% Hypo. Of stock.
Transaction through 2 methods i.e. PULL METHOD (When the Industry Major makes a request for debit in the dealer’s account) &
PUSH MODEL (When the dealer originates the remittance)
Existing borrower with min. 50 vendor & Turnover

3 e-VFS (v-VENDOR) CC NA NEED BASED NIL 500 Crore & External rating A & above are eligible.
Vendor Exposure: Financing will be made to the vendors against the supply of goods/services to reputed Corporates/IMs.
IM Exposure: Financing will be made to the reputed corporate/IMs for payment towards the supply received from their vendors.
4 SBI FCNR (B) LOAN DL/TL 25K USD NEED BASED 10% Can be availed in 4 currency. ( USD,GBP,EURO & INR)
Collateral 35% required.

5 SBI e-Biz CC 50 Lac 5 Crore 20%
Above 10
6 ARTHIAS PLUS SCHEME CC 5 Crore 30% 125% Of loan amt collateral required. (Annual renew)
Lac
1) Margin - 10% With collateral & Without coll. 15%
7 SBI CONSTRUCTION EQ. LOAN TL/OD > 10 Lac 10 Crore 2) Reapyment - 5 Yr
8 FLEET FINANCE SCHEME TL 50 LAC 10 Crore 5%-50% For min. 10 vehicles amt 50 Lac.
1) Margin - Stocks/TL- 25% , Receivables- 40%
9 SME MARBLE PLUS CC/TL < 10 Lac 10 Crore 2) Minimum 50% of loan amount.
1) Loan amount
a) For creation of expansion/mordernization/upgradation - 20% of exist limit (Max. 8 Crore)
10 OPEN TERM LOAN b) For bussiness devlopment expenditure - 20% of exist limit ( Max. 2 Crore)
2) Margin - 25%
3) Repayment - 5 Year
S.N. PRODUCT TYPE MIN MAX MARGIN OTHER FEATURE
20 Crore 1) LTV - 60% Of the realizable value of immovable property

( 50 Cr for 2) Repayment - 12 Month to 20 Years ( Moratorium 18 Month max.)
1 ASSEST BACKED LOAN OD/NFB < 10 Lac real
e-state loan 3) Half-yearly digital inspection & TIR from 2 diff. penal ADVOVATE in case of loan
) more than 25 Lac, No overdrwaing to be permited & parri-passu.
15% 1)Repayment 5-7 Yr including 1 year moratorium.

2 DOCTOR PLUS TL 10 Lac 5 Crore 2) Loan above 2 crore 25% tangible collateral & personal gurantee
15% 1) Loan above 2 crore 25% tangible collateral & personal gurantee.
3 MEDICAL EQ. FINANCE TL < 10 Lac 20 Crore 2) Repayment - 3 to 7 yr including 6 month moratorium.
10% Min. 1) WC upto 10 Lac - OD, WC above 10 lac - CC

4 STAND UP INDIA WC/TL <10 Lac 1 Crore 2) Repayment - 7 years including 18M moratorium.
LOAN AMOUNT :-
a) NBG Branches - Min. 10 Lac , Max. 50 Crore
5 LEASE RENTAL DISC. TL NIL b) MCG Branches- Min. 50 Crore, Max. 500 Crore
c) CCG Branches - Max. upto 1000 Crore
PRIME MINISTER EMPLOYMENT GENERTION PROGRAM ( PMEGP) :-

1) Age - 18 & More ( 8th Pass complusory)
6 2) Min. cost of project eligible under PMEGP is a) Manufacturing - 10 lac, b) Service/ Trade - 5 lac
3) Loan repayment between 3-7 Year
4) WC component should not more than 40 % (manu.) & 60% (sevice) of the project cost.
5) Margin money will be claimed within 7 days of disbursal of loan amount.

Sme Loan

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S.N.

PRODUCT FACILITY MIN MAX MARGIN OTHER FEATURE

1) APPLICABLE FOR RUNING STD SME ACC FOR PAST 2 YR.

10 LAC 1 CRORE WC- 20%

BEYOND 1) SHISHU - Upto 50K 2) TARUN - 50K- 5 Lac

SIMPLIFIED SMALL BUS. LOAN Above Less thn 10%

Existing borrower with min. 50 vendor & Turnover

Collateral 35% required.

20 Crore 1) LTV - 60% Of the realizable value of immovable property

15% 1)Repayment 5-7 Yr including 1 year moratorium.

10% Min. 1) WC upto 10 Lac - OD, WC above 10 lac - CC

PRIME MINISTER EMPLOYMENT GENERTION PROGRAM ( PMEGP) :-

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