Annexure-I
ADVANCES BELOW RUPEES 25.00 LACS
Existing w.e.f. 22.07.2013
(Base Rate - 10.00% )
Working Capital & BR + 2.50% i.e. 12.50%
Term Loan upto 3 p.a.
years
Term Loan (> 3 & BR + 2.70% i.e. 12.70 %
upto 5 years )
p.a.
Term Loan (> 5 & BR + 2.90% i.e. 12.90 %
upto 7 years )
p.a.
Term Loan (> 7& BR + 3.10% i.e. 13.10%
upto 10 years )
p.a.
Revised w.e.f. 04.09.2013
(Base Rate - 10.25%)
BR + 2.50% i.e. 12.75%
p.a.
BR + 2.70% i.e. 12.95 %
p.a.
BR + 2.90% i.e. 13.15 %
p.a.
BR + 3.10% i.e. 13.35 %
p.a.
However, the concession in interest rates of 75bps in accounts having collateral security of
100% or more presently available to loans of Rs. 25 lac & above will now be available to
loans of more than Rs. 10 lac also. In other words, this concession is not available to loans of
Rs. 10 lacs & below.
MSE SEGMENT:
RATE OF INTEREST APPLICABLE TO MICRO AND SMALL ENTERPRISES
(w.e.f. 15.02.2014)
A) Advances Rs.25 lacs (For working Capital & Term Loan upto 3 years)
Rating
Existing
Existing
Revised
Rs.5crore & above
Rs.25lac & above
SB 1 & SB 2
Rs.25lac & less than Rs.5
crore
B.R+2.75%i.e.13.00% p.a.
B.R+2.50% i.e. 12.75% p.a.
B.R +2.00% i.e.12.25% p.a.
SB 3 toSB 5
B.R+3.50% i.e.13.75% p.a.
B.R +3.25% i.e.13.50% p.a.
B.R +2.50% i.e.12.75% p.a.
SB 6 & SB 7
B.R+4.25% i.e.14.50% p.a.
B.R +4.00% i.e.14.25% p.a.
B.R +3.00% i.e.13.25% p.a.
SB 8 & SB 9
B.R+4.75% i.e.15.00% p.a.
B.R +4.50% i.e.14.75% p.a.
B.R +3.25% i.e.13.50% p.a.
SB 10
B.R+5.25% i.e.15.50% p.a.
B.R +5.00% i.e.15.25% p.a.
B.R +4.00% i.e.14.25% p.a.
SB 11 to 15
B.R+6.25% i.e.16.50% p.a.
B.R +6.00% i.e.16.25% p.a.
B.R +6.00% i.e.16.25% p.a.
# For Term Loan above 3 years, appropriate tenor premium needs to be built in the pricing for fresh Term Loan accounts detailed
below:
Sl.No.
Term
Tenor Premium
1
>3 years & upto 5 yrs
20 bps
2
>5 years & upto 7 yrs
40 bps
3
>7 years & upto 10 yrs
60 bps
4.
Above 10 years
100 bps
Further, where collateral security value (i.e. Realizable/conservative value of tangible collateral security available by way of
immovable property along with cash and other specified liquid securities) is 100% or more, rates are 75 basis points below the
card rate .
Annexure-III
(Rate of interest under schematic lending)
1. PMEGP,SJSRY, ACC & LUCC
Working Capital & Term Loan upto 3
years
Term Loan above 3 Years but upto 5
years
Term Loan above 5 years but upto 7
years
Existing Rate
w.e.f. 22.07.2013
Revised Rate
w.e.f. 04.09.2013
Existing Rate
w.e.f. 22.07.2013
Revised Rate
w.e.f. 04.09.2013
Existing Rate
w.e.f. 22.07.2013
Revised Rate
w.e.f. 04.09.2013
Upto Rs. 50000.00
BR + 0.50% i.e.
10.50% p.a.
BR+ 0.50%
10.75% p.a.
i.e.
BR
+
0.75%
i.e.10.75 % p.a.
BR
+
0.75%
i.e.11.00 % p.a.
BR+1.00 % i.e.
11.00 % p.a.
BR+1.00 %
11.25 % p.a.
Above Rs. 50000.00
upto Rs. 2.00 lacs
BR + 1.50% i.e.
11.50% p.a.
BR + 1.50% i.e.
11.75% p.a.
BR + 2.00% i.e.
12.00 % p.a.
BR+ 2.00%
12.25 % p.a.
i.e.
BR + 2.25% i.e.
12.25 % p.a.
BR + 2.25% i.e.
12.50 % p.a.
Above Rs. 2.00 lacs
upto Rs. 5.00 lacs
BR + 2.00% i.e.
12.00 % p.a.
BR + 2.00% i.e.
12.25 % p.a.
BR + 2.50% i.e.
12.50 % p.a.
BR+ 2.50%
12.75 % p.a.
i.e.
BR + 2.75% i.e.
12.75 % p.a.
BR + 2.75% i.e.
13.00 % p.a.
Above Rs. 5.00 lacs
& Below Rs. 25.00
BR + 2.50% i.e.
12.50 % p.a.
BR + 2.50% i.e.
12.75 % p.a.
BR + 3.00% i.e.
13.00 % p.a.
BR + 3.00% i.e.
13.25 % p.a.
BR + 3.25% i.e.
13.25 % p.a.
BR + 3.25% i.e.
13.50 % p.a.
Product Codes:
CC-SSI
CC-SBF
CC-AGR
TL-SSI
TL-SBF
TL-AGR
PMEGP
6114-4201
6124-4201
6134-2201
Limit upto
Limit above
Rs.50,000/Rs. 50,000/6211-4301
6211-4201
6221-4301
6221-4201
6231-2801
6231-2201
ACC
SJSRY
6114-2401
------------
Limit upto
Rs.50,000/6211-3201
Limit above
Rs. 50,000/6211-2401
----
-----
Limit upto
Rs.50,000/6211-3101
6221-3101
Limit above
Rs. 50,000/6211-4004
6221-4004
LUCC
6114-7001
6124-7001
---------------------------------------------------
i.e.
2. SME SMART SCORE SCHEME
Product Codes: 6114-1901 (CC-SSI),
6211-1901 (TL-SSI),
6124-1901 (CC-SBF)
6221-1901 (TL-SBF)
Loan
Amount
CASH CREDIT
TERM LOAN
Existing
ROI Revised
ROI Existing
ROI Revised ROI w.e.f
w.e.f
w.e.f 04.09.2013 w.e.f 22.02.2013
04.09.2013
22.07.2013
Rs.5 lacs & < BR + 2.50% i.e. BR + 2.50% i.e.
BR+3.00% i.e.
BR+3.00% i.e. 13.25
Rs.25 lacs
12.50 % p.a.
12.75 % p.a.
13.00 % p.a.
% p.a.
Rs.25 lacs to
Rs.50 lacs
BR+ 3.00%
i.e.13.00 % p.a.
BR+ 3.00%
i.e.13.25 % p.a.
BR+3.50 %
i.e.13.50 % p.a.
BR+3.50 % i.e.13.75
% p.a.
3. SBP EASY LOAN
Product codes:
6124-1703 (BR-CC-SBF)
6114-1703 (BR-CC-SSI)
6221-1703 (BR-TL-SBF)
6211-1703 (BR-TL-SSI)
Existing ROI w.e.f.
22.07.2013
Cash
Loan
4.
Credit
&
Term BR + 3.00%
13.00% p.a.
Revised
04.09.2013
ROI
w.e.f.
i.e. BR + 3.00% i.e. 13.25% p.a.
SBP SHOPPEE
Product Codes: 6221-2301 (TL)
Term Loan upto
years
Term Loan above
years & upto 5 Yrs
Term Loan above
years & upto 7 Yrs
Term Loan above
years
3
3
5
7
Existing ROI w.e.f.
22/07/2013
BR + 2.50% i.e. 12.50%
p.a.
BR + 2.70% i.e. 12.70
% p.a.
BR + 2.90% i.e. 12.90
% p.a.
BR + 3.10% i.e. 13.10%
p.a.
Existing Revised ROI w.e.f.
04.09.2013
BR + 2.50% i.e. 12.75% p.a.
BR + 2.70% i.e. 12.95 % p.a.
BR + 2.90% i.e. 13.15 % p.a.
BR + 3.10% i.e. 13.35 % p.a.
5.
SME CAR LOAN
Product codes: 6211-7701 (TL-CAR LOAN-SSI)
6221-7701 (TL-CAR LOAN-SBF)
6241-7701 (TL-CAR LOAN(C&I)
Note: Rate of interest for SME car loans to be always aligned with the rate of interest
as circulated by our P&SB department for new car loans from time to time.
6. SBP-MSE-Collateral Fee Loan Covered Under Guarantee Scheme of CGTMSE
Product Codes:
6124-4511 (CC-SBF), 6114-4511 (CC-SSI),
6221-4511 (TL-SBF), 6211-4511 (TL-SSI) {For Loan term upto 5 yrs)
6221-4521 (TL-SBF), 6211-4521 (TL-SSI) {For Loan term upto 7 yrs)
Limits
Loans below Rs. 25 lakh
Existing ROI w.e.f 22.07.2013
WC and TL upto 3 BR+2.50% i.e. 12.50 % p.a.
years
TL above 3 years and
upto 7 years
BR+3.00% i.e. 13.00 % p.a.
Revised ROI w.e.f 04.09.2013
BR+2.50% i.e. 12.75 % p.a.
BR+3.00% i.e. 13.25 % p.a.
Loans for Rs. 25 lakh and above upto Rs. 100 lakh
Limits
SB-1 to SB-5
SB-6 to SB-9
Existing
ROI Revised
ROI Existing ROI
Revised
ROI
w.e.f
w.e.f 04.09.2013 w.e.f 22.07.2013 w.e.f
22.07.2013
04.09.2013
WC and TL BR+2.50% i.e.
BR+2.50% i.e.
BR +3.00% i.e.
BR +3.00% i.e.
upto 3 years
12.50 % p.a.
12.75 % p.a.
13.00 % p.a.
13.25 % p.a.
TL above 3
years
and
upto 7 years
BR+3.00% i.e.
13.00 % p.a.
BR+3.00% i.e.
13.25 % p.a.
BR+3.50% i.e.
13.50 % p.a.
BR+3.50% i.e.
13.75 % p.a.
7. SBP- Financing Working Capital To Commission Agents / Arthias Engaged in
Retail Trade Activities
Product codes:
6124-1501 (CC—Retail Trade - SBF)
Slabs
Existing Rate of Interest w.e.f. Revised Rate of Interest w.e.f.
22.07.2013
04.09.2013
Limits Below Rs. 25 Lacs
BR+3.00% i.e.
13.00% p.a. BR+3.00% i.e. 13.25% p.a..
Limit of Rs. 25 lacs and above (As per CRA Rating)
SB1 to SB5
BR+0.50% i.e. 10.50% p.a.
BR+0.50% i.e. 10.75% p.a.
SB6 to SB10
BR+2.00% i.e. 12.00% p.a.
BR+2.00% i.e. 12.25% p.a.
SB11 to SB15
BR+4.50% i.e. 14.50% p.a.
BR+4.50% i.e. 14.75% p.a.
8. SBP- Financing Against Warehouse Receipts
Product codes:
6114-2001 (CC—Warehouse Receipt – SSI) 6124-2001 (CC—Warehouse Receipt – SBF)
6311-1101 (DL-Warehouse Receipt – SSI) 6321-1101 (DL—Warehouse Receipt – SBF)
Existing Rate of Interest w.e.f 22.07.2013
Revised
Rate
04.09.2013
of
Interest
BR + 1.00 % i.e. 11.00 % p.a.
BR + 1.00 % i.e. 11.25 % p.a.
w.e.f
9. Point of Sales (POS) Linked Overdraft Facilities
Product Code: 5011-2171
Existing Rate of Interest w.e.f. 22/07/2013
Revised Rate of Interest w.e.f. 04/09/2013
BR + 2.25% i.e. 12.25 % p.a.
BR + 2.25% i.e. 12.50 % p.a.
10. Interest Rates for Rice Sheller, Cotton Ginning, Oil Extraction, Gaur Gum & Dal Mills Units*
Product Codes:
a) Rice Sheller Units:
Cash Credit: 6114-6501, EPC
: 6110-2201, Term Loan: 6211-8501
b) Cotton Ginning Units:
Cash credit: 6114-6601, Term loan: 6211-8601
c) For Oil Extraction, Guar Gum and Dal Mills processing units
Cash Credit: 6114-6801, Term Loan: 6211-8701
Working Capital
Term Loan
Rating
SB-1 to SB5
SB-6 to SB10
SB-11
to
SB-15
Below Rs. 25 lacs
Existing
ROI
w.e.f. Revised ROI w.e.f. 04.09.2013
22.07.2013
BR+1.25% i.e. 11.25% p.a.
BR+1.25% i.e. 11.50% p.a.
BR+ 1.75% i.e. 11.75% p.a.
BR+ 1.75% i.e. 12.00% p.a.
Rs. 25 lacs and above
Working Capital
Term Loan
Existing ROI
Revised ROI w.e.f.
Existing ROI
Revised ROI w.e.f.
w.e.f. 22/07/2013
04/09/2013
w.e.f. 22/07/2013
04/09/2013
BR+1.00% i.e.
BR+1.00% i.e.
BR+1.50%
BR+1.50%
11.00% p.a.
11.25% p.a.
i.e.11.50% p.a.
i.e.11.75% p.a.
BR+1.50%
BR+1.50%
BR+1.75% i.e.
BR+1.75% i.e.
i.e.11.50% p.a.
i.e.11.75% p.a.
11.75% p.a.
12.00%p.a.
BR+3.00% i.e.
BR+3.00% i.e.
BR+3.50% i.e.
BR+3.50% i.e.
13.00% p.a.
13.25% p.a.
13.50% p.a.
13.75% p.a.
*A further concession of 25 bps is admissible on card rate of interest for both working
capital limits & term loans if the value of collateral security is more than 75% of loan
amount and a concession of 50 bps will be admissible if the value of collateral
security is more than 100%.
11. Scheme for Financing to Dealers for Purchase of Vehicles from Reputed
Manufacturing Companies (RMC)
Product Code: 6124-2101 (CC-SBF)
For limits below Rs. 25 lacs
Existing
ROI
w.e.f. Revised
ROI
w.e.f.
22.07.2013
04.09.2013
BR+2.50 i.e. 12.50% p.a.
BR+2.50 i.e. 12.75% p.a.
For limits of Rs. 25 lacs and
As per CRA rating.
As per CRA rating.
above
For Product code under C&I segment (6144-1801), the rate of interest will be applicable for
loans under C&I segment.
Note: Please note that unit having investment in equipment more than Rs. 2 crores, will fall
under C&I segment.
12. SCHEME FOR FINANCING PETROL PUMP DEALERS
Product Codes
6124-1601 (CC-SBF)
6024-1601 (OD-SBF)
Below Rs. 25.00 lacs
Existing
ROI
w.e.f
Revised ROI w.e.f.
22.07.2013
04.09.2013
BR+2.50% i.e. 12.50% p.a. BR+2.50% i.e. 12.75% p.a.
Rs. 25 lacs & upto Rs. 50 BR+3.00% i.e. 13.00 % p.a.
lacs
13.
BR+3.00% i.e. 13.25 % p.a.
DOCTOR PLUS SCHEME
Product Codes:
6124- 8601 (CC-SBF), 6144-8601 (CC-C&I)*,
6221- 8601 (TL-SBF), 6241-8601 (TL-C&I)*
For limits below Rs. 25.00 lacs based on
Credit Scoring model (Score)
Existing ROI w.e.f. 22.07.2013
40 & above BR+2.50% p.a. i.e. 12.50 % p.a.
< 40
For limits below Rs. 25.00 lacs
Revised ROI w.e.f. 04.09.2013
BR+2.50% p.a. i.e. 12.75 % p.a.
No Finance
For limits above Rs. 25.00 lacs and upto Rs. 10.00
crore,
For limits of Rs. 25.00 lacs and
upto Rs. 10.00 crore,
Existing ROI
Revised ROI
SB 1 & 2
BR + 1.75% i.e. 11.75 % p.a.
BR + 1.75% i.e. 12.00 % p.a.
SB 3,4 & 5
BR + 2.00% i.e. 12.00 % p.a.
BR + 2.00% i.e. 12.25 % p.a.
SB 6 & 7
BR +2.25% i.e. 12.25 % p.a.
BR +2.25% i.e. 12.50 % p.a.
8
<8
BR +2.50% i.e. 12.50 % p.a.
BR +2.50% i.e. 12.75 % p.a.
No Finance
14.
SBP SCHOOL PLUS SCHEME:
(Loans below Rs. 25 lacs).
Product Codes: 6221-7201 (TL-SBF), For Product code under C&I segment (6241- 6201)*,
the rate of interest will be applicable for loans under C&I segment.
Loan Category
Loan Below Rs. 25 Lacs
Existing
ROI
w.e.f. Revised ROI w.e.f. 04.09.2013
22.07.2013
TL Upto 3 Yrs
BR+2.50% i.e.12.50 % p.a.
BR+2.50% i.e.12.75 % p.a.
TL Above 3 Yrs
BR+3.00% i.e. 13.00 % p.a.
BR+3.00% i.e. 13.25 % p.a.
School Plus Scheme (Loans of Rs. 25 lacs and above)
Term Loan Upto 3 yrs
Rating
SBTL 1 & 2
SBTL 3, 4 & 5
SBTL 6 & 7
SBTL 8 & 9
SBTL 10
Existing
ROI
w.e.f. Revised ROI w.e.f 04.09.2013
22.07.2013
BR+2.75% i.e. 12.75 % p.a. BR+2.75% i.e. 13.00 % p.a.
BR+3.50% i.e. 13.50 % p.a.
BR+4.25 % i.e.14.25% p.a.
BR+3.50% i.e. 13.75 % p.a.
BR+4.25 % i.e.14.50% p.a.
BR+4.75 % i.e. 14.75 % p.a.
BR+5.25% i.e. 15.25 % p.a.
BR+4.75 % i.e. 15.00% p.a.
BR+5.25% i.e. 15.50 % p.a.
Term Loans More Than 3 years
Rating
SBTL 1 & 2
SBTL 3, 4 & 5
SBTL 6 & 7
SBTL 8 & 9
SBTL 10
Existing
> 3yrs & upto 10 yrs
Revised
> 3yrs & upto 10 yrs
BR+3.25% ie. 13.25 % p.a.
BR+4.00% i.e.14.00 % p.a.
BR+4.75 i.e. 14.75 % p.a.
BR+5.25 % i.e. 15.25 %
p.a.
BR+5.75% i.e. 15.75 % p.a.
BR+3.25% ie. 13.50 % p.a.
BR+4.00% i.e.14.25 % p.a.
BR+4.75 i.e. 15.00% p.a.
BR+5.25 % i.e. 15.50 % p.a.
BR+5.75% i.e. 16.00 % p.a.
15.
WEAVER CREDIT CARD Scheme.
Product Code: 6114-2501 (CC-SSI)
6211-2501 (TL-SSI)
Existing ROI w.e.f 22.07.2013
Revised ROI w.e.f. 04.09.2013
BR +2.50% i.e. 12.50% p.a.
BR +2.50% i.e. 12.75% p.a.
16.
GENERAL CREDIT CARD
Product Code: 6034-1201
Existing ROI w.e.f. 22.07.2013
BR+2.50% i.e. 12.50 % p.a.
17.
Revised ROI w.e.f. 04.09.2013
BR+2.50% i.e. 12.75% p.a.
General Purpose Loan Scheme for Trade and Service Sector .
Product Code: 6024-8701 (OD-SBF), 6124-8701 (CC-SBF) & 6221-8701 (TL-SBF)
Revised ROI w.e.f. 04.09.2013
Existing ROI w.e.f.
22.07.2013
Working Capital & TL BR+2.50% i.e. 12.50 % p.a.
upto 3 years
BR+2.50% i.e. 12.75 % p.a.
TL more than 3 yrs
BR+ 3.00% i.e. 13.25 % p.a.
18.
BR+ 3.00% i.e. 13.00 % p.a.
GOLD LOAN FOR MSE BORROWERS:-
Product Code: 6024-6002 (OD-SBF)
6321-6002 (DL-SBF)
Existing ROI w.e.f. 22.07.2013
Revised ROI w.e.f. 04.09.2013
BR+2.50 i.e. 12.50 % p.a.
BR+2.50 i.e. 12.75 % p.a.
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