A Bouquet of SBI Products for SME - IMTMA
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A Bouquet of SBI Products for SME
1
Our initiatives to support you
Dedicated SME
Intensive
branches
Aligning
MSMEs to Relationship
supply chains
of corporates Banking
Wide Reach
2Delivery Channel for MSME Customers
Centralized Processing Cells for quick
turn around time in sanction &
disbursal of loans.
Relationship Manager (Small
Enterprises) providing personalized
services to units having credit
requirement from Rs 0.50 crores to Rs.
5.00 crores.
Relationship Managers (Medium
Enterprises) positioned to provide
customized products and services to
Medium Enterprises having credit
requirements above Rs 5.00 cr.
3Classification of Micro, Small and
Medium Enterprises (MSMEs)
Manufacturing Investment in plant and
Sector machinery
Micro Does not exceed Rs.25 lakhs
Enterprises
Small > Rs.25 lakhs but does not
Enterprises exceed Rs.5 crores
Medium > Rs.5 crores but does not
Enterprises exceed Rs.10 crores
4Classification of Micro, Small and Medium
Enterprises (MSMEs) – Contd..
Service Investment in equipment
Sector
Micro Does not exceed Rs.10 lakhs
Enterprises
Small > Rs.10 lakhs but does not
Enterprises exceed Rs.2 crores
Medium > Rs.2 crores but does not
Enterprises exceed Rs.5crores
5SME Loan Products
LOAN under PMMY (MUDRA) & Stand Up India
ASSET BACKED LOAN
ASSET BACKED LOAN FOR COMMERCIAL REAL
ESTATE
SBI OPEN TERM LOAN
SME COLLATERAL FREE LOAN UNDER CGTMSE
SME ASSIST – GST RECEIVABLES
STANDBY LINE OF CREDIT
SIMPLIFIED CASH CREDIT
6SME Loan Products – Contd..
• FINANCING TO AGRO BASED AND FOOD
PROCESSING INDUSTRIES
• STREE SHAKTHI SCHEME
• SBI SHOPPE
7CGTMSE (Collateral free loan)
Eligibility New and existing Micro and Small enterprises in
manufacturing as well as Services sector [barring retail
trading units, educational institutes, SHG]
Loan Max.Rs.2 Crore (Fund+Non fund based ) to a single
amount borrower
Collateral No Collateral Security including Third Party Guarantee.
Primary Assets created out of Bank Finance and existing assets
security of the unit.
Assessment WC – Manufacture / services >- 31.25% of Proj. T/O is
reckoned as WCG. 25 is loan component and 6.25 is
margin
TL - 75% of Project Cost
Repayment WC on demand and TL max.7 yrs including moratorium
period of 6 months to 1 year.
Guarantee To be borne by borrower.
fee 8STREE SHAKTI SCHEME
• Finance scheme for women
entrepreneurs who own and are engaged
in retail trade, business enterprises,
professional and self -employed like
doctors, beauty parlour operators etc.
• Loans upto Rs. 20 lacs can be availed with
working capital and term loan facility
• Special concession in margin by 5%
• Interest rate – 4.00% p.a. over MCLR
9ASSET BACKED LOAN
ELIGIBILITY Existing customers, New, Wholesale and retail traders,
professionals, self employed, small business enterprise,
manufacturing, services unit etc.
PURPOSE For build up of current assets and fixed assets needed for
business purpose, capacity expansion, modernization, short term
working capital including shoring up of NWC, etc.
LOAN Rs.0.10 Crs to 15Crs.
AMOUNT Upto Rs.10 Cr.: 20% of Projected turnover subject to need based
assessment or 50% of realizable value of property, whichever is
lower.
REPAYMENT Limits can be sanctioned for period of 12 months to 180 months
with either Equated Reduction in limit or customized reduction
in limit depending upon the cash flow.
SPECIAL •Competitive Pricing at 2.30% p.a. above MCLR
FEATURES •No primary security required.
•Free SME Insta Deposit Card and SBI Business Debit Card.
•ABL for Commercial Real Estate also available [Shopping
Complex, Malls, Other Commercial projects, etc]
10Micro Units Development and Refinance Agency (MUDRA)
Beneficiary Non-farm enterprises in Manufacturing, Trading
and Services
Margin Upto Rs. 50,000 NIL
Rs. 50,001 – Rs. 10 lacs 10%
Interest CGFMU covered accounts – MCLR+275 bps 10.75%
Rates
Primary Hypothecation of stocks / machinery / movables
Security acquired out of Bank’s finance.
Collateral No collateral security to be obtained for all loans
upto Rs. 10 lacs
Repayment In 3 - 5 years including a moratorium of upto 6
for TL months Depending on the activity / income
generation
Application Simplified application forms as formulated by IBA
form
Assessment As per scoring model for all loans upto Rs. 10 lacs
11ASSET BACKED LOAN FOR-COMMERCIAL REAL
ESTATE
PURPOSE • Creation/acquisition of real estate such as office buildings, retail
space, residential building, industrial or warehouse space, multiplex,
hotels, restaurants, gymnasium, amusement parks, cold storage,
education institution etc where the prospect for repayment would
generally be lease or rental payment or sale of asset.
ELIGIBILITY • Existing customers, New units.
• Takeover of existing units will also be considered.
PURPOSE Working capital and Fixed assets (including pre-operative expenses).
LOAN • Minimum: Rs 10.00 Lac.
AMOUNT • Maximum: Up to Rs 50.00 Crore.
• Working Capital-20% of Projected turnover and Term Loan- 75% of
Project cost subject to 60% of realizable value of property, whichever
is lower.
REPAYMENT • Limits can be sanctioned for period of 12 months to 96 months with
either Equated Reduction in limit or customized reduction in limit
depending upon the cash flow.
• Adequate moratorium period of 18 Months for better project planning.
SPECIAL •Competitive Pricing of 3.05% above MCLR
FEATURES •No primary security required.
•Free SME Insta Deposit Card and SBI Business Debit Card.
12SBI OPEN TERM LOAN
Nature of • Pre-approved Term Loan
Facility
• All units under Manufacturing sector and
Target Services sector [Hospitals, Hotels, Education
Group Institutions,etc]
• Transport Operators with minimum 25 vehicles
• Any genuine commercial purposes in line with
regular business activity of the customer.
Purpose
[Acquisition/ Investment in R&D, Retiring High
cost debt of other banks]
• Manufacturing and Service enterprises
Loan maximum upto Rs 2.50 Cr
Amount • Maximum Rs 1 Crore, for business development
expenditure
Interest 2.95 to 8.00% over MCLR
Validity of 12 Months from the date of sanction
Sanction 13SIMPLIFIED CASH CREDIT
• All existing and new customers engaged in
manufacturing activities
Purpose: Working Capital limits – Regular limit,
SLC - meet urgent w/c limits ( to be sanctioned along with regular limit)
Facility: Cash Credit & SLC (not regular limit)
Eligiblility: The borrower / unit should be in existence / operations atleast for last 3
years (If new connection).
CRA: SB-9 and better
ECR: BB & better
FBWC limits will be assessed on the basis of actual peak inventory plus
receivables levels for the previous 12 months
SLC – 15% of Cash Credit Limits
• 14SIMPLIFIED CASH CREDIT CONTD….
• Assessment of the Limit: • The inventory, receivables and bank borrowing arrived on the
• basis of above assessment (amount) will be
• Reflected/incorporated in the Estimated/project CMA data.
• Data in respect of holding level for the last 12 months will be
• certified by The statutory auditor of the unit.
•
• Loan Amount: Minimum: Above Rs. 5.00 crores & maximum Rs.20 crores
• In addition, SLC to the extent of Max 15% of CCLimit
• Margin: RM/SIP/FG/RECEIVABLE: Minimum 25%
•
15SME ASSIST GOODS AND SERVICES TAX (GST)
• Facility : Working Capital Demand loan
• Loan amount : Maximum 20% of the existing Fund based
working Cap Limit or 80% of input tax claim due whichever is
low (over and above the ABF)
• The Adhoc WCDL (SME Assist) & existing Working Capital
limits have to be covered by the advance value of stocks and
receivables + OS input tax credit claim.
• CA certificate to obtain certifying the amount of pending
input tax for last 3 months
• 3. Eligibility :
• i) CRA rating SB-10/CUE-10 and better.
• ii) Account should be standard.
• iii) Satisfactory conduct of the account
16SME ASSIST - Contd….
• 4. Interest Rate : 1 Year MCLR + 1.75%
• 5. Security : Primary: Hypothecation of stocks and receivables.
• Collateral: Nil
• 6. Repayment : To be repaid in next 6 months after initial moratorium of 3 months:
• a) Initial 3 months moratorium period.
• b) The ad-hoc amount shall be repaid either in one bullet payment or in 6 equated
monthly instalments in next 6 months after moratorium period is over.
• c) DP to reduce in line with EMI instalments every month after moratorium
• period is over.
• d) Interest to be serviced every month.
• e) Input claims of exporters have to be escrowed to our Bank account.
•
• 7. Processing Fee : Flat Rs. 2000
• 8. Validity of Product : The product is valid till 31.03.2018.
17STAND UP INDIA (SUI)
Target Group SC/ST and Women Entrepreneurs
Purpose Setting up Greenfield Projects under
Manufacturing, Trading or services
sector
Loan quantum > Rs. 10 lacs to Rs.1 crore
Margin 25%
Interest Rates >Rs.10 to 1 Crs –MCLR+3% (10.95%)
(MCLR for 1 year reset)
Repayment for TL Maximum 7 years
Primary Security Hypothecation of stocks / machinery
/ movables acquired of Bank finance
Collateral Credit Guarantee from National
Credit Guarantee Trust Co (NCGTC)
Apply through SUI portal www.standupmitra.in.
18Electronic Dealer Financing scheme(e-DFS)
• Purpose: To provide finance to authorized
Dealers/Stockist/ Distributors recommended by
Industry Major
• Eligibility: Dealers of Industry Majors with whom the
e-DFS tie-up is entered with
• Amount of facility: Need based (As per tie-up)
• Margin: Nil (100% funding)
• Security: Primary: 100% hypothecation of stocks
financed and receivables.
– Collateral : Minimum 25% or NIL
• Rate of Interest: Lowest Rate of Interest, linked to
Base Rate. Present effective rate ranges from 1.00%
and 1.60% over MCLR (with & without collateral).
19Financing of Food Processing and Agro Based
Industries
Purpose To finance food processing and agro based industries such
as Dall Mill, Cotton Ginning etc.
Loan Cash Credit: 20% of sales turnover or as per assessment.
Amount Term Loan: Need based on project cost.
Repayme Cash Credit: Repayable on demand. Term Loan: Repayable
nt EMI or customized repayment in 7 years inclusive of
moratorium.
Margin Cash Credit: 25% to 40%
Term Loan: 25%
Primary Cash Credit: Hypothecation of stocks, receivables and other
Security current assets.
Term Loan: Hypothecation or mortgage of assets created out of
Bank Finance.
Collateral Minimum 100% collateral in the form of Mortgage of Land &
Building/Liquid Securities/ Any other security acceptable to
bank.
Rate of Competitive Rate of Interest based on score and collateral
Interest security. (Ranges between 0.90 – 3.50% above MCLR)
20LIABILITY PRODUCTS &
OTHER INITIATIVES
SME Insta Deposit Card
SME Business Debit Card
Corporate Internet Banking
SME Power Current Accounts
Point of Sale (POS)
21State Bank SME Insta Deposit Card
Card for only cash deposit.
No need to go to SBI Cash Counters for cash
deposits.
Convenient way of depositing cash in Bank A/cs
through Cash Deposit Machines.
Can deposit cash in Current A/cs & CC A/cs .
3 such accounts can be linked in a Card of the
same Customer.
Safe as no erroneous credits possible in different
accounts.
Secured-Personal Identification Number (PIN)
enabled.
22State Bank SME Insta Deposit Card-
Advantages
Can also be used for taking Mini Statements/
Balance Enquiry/ PIN Change.
You can deposit Maximum of Rs.49,900/- or 200
pieces/ transaction.
Can be used in Green Channel Counters also
For you- Lesser waiting time/ No Need to wait at
counters in Branches
More Useful for traders and service providers
Need not maintain cash at your own risk during
night time.
All these are coming at absolutely FREE of Charges
No charges for issuance of State Bank SME Insta
Deposit Card
23SME Business Debit Cards
•For Business Current account holders i.e. proprietorships,
partnerships, public limited companies and private limited
companies for cash withdrawal and purchases.
• Debit Card will be issued to current accounts in the names of the
authorized signatories, with the name of the company embossed on
the Debit Card. These cards can also be issued for jointly operated
accounts
Advantages of Business Debit Card
Cash Deposit facility: The customer can use the Business
Debit Card to deposit cash in the Cash Deposit Machines.
Cost savings: Helps to keep spending within means,
without accumulating unnecessary debt, merchant discounts
in relevant spend
Control: Helps track and monitor business expenses, limits
exposure to loss by theft or robbery.
Convenience: Easier than carrying cash, enables automatic
bill payment, enables internet, phone and mail order
transactions.
24Corporate Internet Banking (CINB) Transaction and viewing rights Safe and secured : VeriSign certified site 24 * 7 Daily MIS: Invoices, due dates, interest charged Simplified Application Form Facility for payment of salary, tax, pre- paid cards top up, bills, remittances to intra and inter bank beneficiaries etc.
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