SME Products

State Bank of India has been playing a vital role in

the development of small scale industries since
1956. The Bank has developed a wide array of
products to meet the changing needs of the industry.
It provides end -to -end solutions for the financial
needs of the industry. To service the specific credit
needs of small and medium enterprise (SME) the
Bank established the Small & Medium Enterprise
business unit in 2004.

Apart from the general working capital requirements

(like Cash credit, Bill Discounting limits, LC, BG etc)
to meet the day to day requirements and term loans
to take care of investment needs for acquiring fixed
assets, Bank has an array of products/schemes to
cater to the enterprise specific requirements of SME
Units both in Manufacturing and Trade and services
sectors. Brief details of some of the schemes are as
under:
SME Loan Products
For Micro Enterprises and SSIs For Traders
SME Credit Card (Up to Rs.10 Lakh) Traders Easy Loan
SME Smart Score (Up to Rs.50 Lakh) Flexi Loan for Trade and Services

For Startups For Doctors

SBI SMILE (Interest Free Loan as equity) Doctor Plus

Term Loans for SSIs For Schools & Institutes

General Purpose Term Loan for SSI School Plus
Sector (Up to Rs.50 Lakh)
Open Term Loan (Up to Rs.2.5 Cr) For Shop Owners
Corporate Loan (Fro Rs.25 Lakh up to SBI Shoppe
Rs.10 Cr) SBI Shoppe Plus

Add Ons For Restaurant owners

SME Credit Plus Finance to Restaurants
Standby Line of Credit for Working
Capital For Transport Operators
Transport Plus
Food processing
Rice Mill Plus For skill based businesses
Dal Mill Plus Artisan Credit Card

Collateral Free Loan For Vendors and Dealers: Supply Chain Finan
SME Collateral Free Loan ce

Miscellaneous Electronic Vendor Finance Scheme

Rent Plus Electronic Dealer Finance Scheme
SME Construction Equipment Loan
SME Car Loan Loans to Women Entrepreneur
Stree Shakti Scheme
SME Liability and
Transaction Products
SBI Power

SAHAJ Current Account

Surabhi Deposit Account

B2B Payment Solution

Power Jyoti Current Account

For Micro Enterprises and
SSIs
SME Credit Card (Up to Rs.10 Lakh)

Product provides loans for the micro enterprises including SSI units,
small business enterprises, professional and self employed persons,
small retail traders, transport operators etc for meeting any kind of
credit requirement including purchase of shops, maximum limit being Rs
10 lakhs including term loan & working capital loan. The loan will be
sanctioned for 3 years with an annual review. This product has simplified
sanction process without requirement of elaborate financial data.
The borrower will be provided a photo identity card and a passbook
giving details of the limit and validity of the facility. A cheque book
marked as SME Credit Card and a pass book would be issued to the
customer.

SME Smart Score (Up to Rs.50 Lakh)

The Loan product is for units in Micro and Small Enterprise sector in
manufacturing trade and services segments to meet working capital
needs and for acquisition of fixed assets. A simplified appraisal model
has been developed to standardize the appraisal process for loans upto
Rs 50 lakhs in SSI sector and upto Rs 25 lakhs for trade and services
sector available with attractive interest rates. The loan will be
sanctioned for 2 years with an annual review.

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For Startups
SBI SMILE (Interest Free Loan as equity)

The scheme envisages grant of interest free loan as

equity assistance towards part of margin requirements
of the project, to assist eligible professional and
technically qualified entrepreneurs setting up new Micro
and Small enterprises and units covered under the
Banks Project uptech for technology upgradation.

Equity assistance is up to a maximum of Rs.10 lakhs.

Professional and Technically qualified persons will cover
doctors including dentists, engineers, and management
graduates etc. The interest free loan is repayable in 3
years with a moratorium period of 5-7 years.

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Term Loans
General Purpose Term Loan for SSI Sector (Up to Rs.50 Lakh)
This product is for existing borrowers for any general commercial purpose such as shoring up of Net
Working capital, substitution of high cost debt, R&D, ISO certification etc, subject to disbursement
being made in line with the specific purpose approved. Maximum loan available is Rs 50 lakhs
repayable in maximum period of 5 years.

Open Term Loan (Up to Rs.2.5 Cr)

A pre-sanctioned term loan with limit upto Rs 2.5 crore for existing or new corporate or non-
corporate customers in manufacturing sector and upto Rs 1 crore for hotels, hospitals, educational
institutions in service sector.
The scheme provides option of multiple disbursements for multiple purposes like
expansion/modernization, substitution of high cost debt, up-gradation of technology, energy
conservation system, acquisition of software, hardware, visits abroad for acquiring technology,
finalizing deals, participation in fairs, market promotion etc.
The sanctioned limit is valid for 1 year. Margin requirement is 10%.
The borrower can utilize pre-approved sanction to plan capital expenditure and negotiate with
suppliers of machinery and finalize best possible contract.

Corporate Loan (Fro Rs.25 Lakh up to Rs.10 Cr)

The scheme provides term loan for all existing customers and established non customers (subject
to takeover norms of the Bank) in manufacturing sector for repayment of high cost debt, VRS
scheme expenses, on going capital expenditure such as replacement of parts of machineries,
upgradation and renovation, shoring up of net working capital, R&D expenses, acquisition of tools
jigs etc.
Quantum of Finance is minimum Rs.25 lakhs and maximum Rs.10 crores for non Corporate and no
cap for Corporate borrowers. No Margins are required under the scheme.
A maximum of three corporate loans can be outstanding per borrower at any point of time.

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Add Ons
SME Credit Plus
For existing and new borrowers this scheme provides a clean cash
credit facility to meet contingencies, sudden and unforeseen
expenditures like repairs, meeting bulk orders, tax payments,
mismatch in cash flows etc.
Under the scheme 20% of aggregate WC or max Rs.25 lakhs fund
based limit can be availed. Margins are not required and interest
rate will be same as applicable to cash credit limit.
The facility is repayable in 2 months and can be availed for 12
times a year

Standby Line of Credit for Working Capital

For existing units including export units, an additional Working
Capital(Fund based & non Fund based) limit by way of cash credit,
packing credit and bills discounting against stock, receivables to
meet contingencies like bunching of orders, delay in shipment,
sudden increase in raw material prices, mismatch in cash flows.
Under this 15% of aggregate Working Capital or max Rs.5 crore can
be availed. Margins as applicable to original limit.
The facility is repayable in 2 months and can be availed any
number of times in a calendar year

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Food processing
Rice Mill Plus
Term loan for acquisition of machinery/factory
building for modernization/ expansion and working
capital needs of Rice Mills engaged in milling,
sorting, grading and polishing. No upper ceiling on
loan amount.

Dal Mill Plus

Term loan for Dal mill owners for acquisition of
machinery, factory building, modernization and all
working capital needs.

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Collateral Free Loans
SME Collateral Free Loan (SMECFL)
Collateral free loan for viable projects of micro
and small enterprises in manufacturing and
service sector with maximum guarantee cover up
to Rs.1.00 crore under CGTMSE guarantee
scheme for working capital & Term Loan
(FB+NFB) facilities.

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For Traders
Traders Easy Loan
Easy loan for specific business needs of traders, wholesalers and
professionals, self-employed, small business enterprises, agents
engaged in purchase and sale of food grains, commodities, cold
storage units, having collaterals like land, buildings and liquid
securities.
Loan can be availed for normal day to day business requirements
or for purchase of equipments/ fixed assets. Loan is available
upto Rs 5 crore with very competitive rate of interest.

Flexi Loan for Trade and Services

Term Loans to well established whole sale and Retail Traders,

distributors, stockists, construction, transport & supply
contractors, hospitals, nursing homes, clinical labs, resorts, travel
agents etc for any general purpose such as holding of stocks,
book debts, acquisition of land and building, renovation of
office/showroom, purchase of vehicles, equipment etc.
Repayable in 3-5 years but in deserving cases extendable up to 8
years.
Maximum loan Rs.1.00 crore.

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For Doctors
Doctor Plus

Loans to Doctors for setting up clinics/ nursing

homes, Pathological Labs, drug stores,
ambulances, computers, vehicles including
expansion/ renovation of existing premises etc.
Available for all streams viz. Allopathy,
Homeopathy, Ayurvedic etc. Low Margins at 10-
15%, with loans up to Rs.5.00 crore. repayable
in 7 years.

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For Schools &
Institutes
School Plus

Term Loans to educational institutions including

primary and higher secondary schools, graduation,
under-graduation and post-graduation colleges,
technical institutes recognized by AICTE/NBA/MCI
available for purchase of land and building, repairs/
renovation, furniture, equipment, computers,
vehicles, purchase of books/manuals/software and
other training material, sports equipments,
equipment for mid day meals scheme etc.
Margins 15%, concessions in interest rates,
repayable in 7 years.
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For Shop Owners
SBI Shoppe

Loans for present and prospective owners of shops/ offices/

show-rooms/ training centres/ service centres/ garages/ offices
for Chartered Accountants/ Consultants for the purchase / repair/
renovation of new/ old shops/ establishments/ offices/ dealers
showroom etc.
Maximum Term loan available is Rs 20 lakhs repayable in 3-7
years.

SBI Shoppe Plus

Loan to individuals/ proprietors/ partners etc with a steady

source of income and possessing necessary approvals for
construction of their residential house and for construction of
office/shop, purchase of furniture, equipment, etc.
Loan is given for purchase of residential houses and for office
space as well. The scheme is a combination of housing loan and
SBI Shoppe for professionals and self employed entrepreneurs.

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For Restaurant owners
Finance to Restaurants
Loans to the Owners of Restaurants and Fast
food chains for purchase of kitchen
equipments, investment in interior decoration,
purchase of furniture and fixtures, purchase of
land and construction of buildings etc.
The loans are repayable in maximum period of
7 years. Simple sanction process.

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For Transport
Operators
Transport Plus

Term loans for purchase of new transport vehicles

at cost on road basis and working capital facilities
against the receivables. Loans are available for
surface transport operators owning more than 10
well maintained and road worthy vehicles
including trucks, tankers, tippers, luxury buses.
Margins 20% for term loans and working capital
loans. Concessions in interest rates are also
available.
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For skill based
businesses
Artisan Credit Card

The scheme provides loans to Artisans to meet their credit

requirements both for investments as well as working
capital in a flexible manner at liberal rates of interest.
A photo Id card and a passbook will be issued and the
limit is valid for 3 years subject to annual review.
Beneficiaries registered with the Development
Commissioner (Handicrafts) will be eligible for insurance
cover under group guarantee scheme for which premium
will be paid by the government and the beneficiaries in
the ratio of 60:40.
Maximum loan under the scheme is Rs. 2.00 Lakh
No collateral security is required. Loans will be covered
under CGTMSE scheme, the fees for the same will be
reimbursement by the Development Commissioner
(Handicrafts, Ministry of Textile, GOI)

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Loans to Women
Entrepreneur
Stree Shakti Scheme

For women entrepreneurs in Retail trade,

Business enterprises, Professionals and self
employed, small scale units or tiny units
where the women entrepreneurs stake is
more than 51%, Term Loan & Working Capital
facility is available with concessionary
margins and interest rates.

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Miscellaneous
Rent Plus
Loan is given for purchase of residential house and for office space as well.
The scheme is a combination of housing loan and SBI Shoppe for professionals and
self employed entrepreneurs. The loan is to meet the liquidity mismatches of the
borrowers business

SME Construction Equipment Loan

Term Loan for purchase of construction equipments viz. loaders, excavators, cranes
etc., for contractors and firms engaged in construction activity.
Loan is not available for purchasing old machinery/ vehicles.
Maximum loan available is upto Rs 25 crore with minimum margin applicable upto
15%.
Tenure of loan can be extended upto maximum of 4 years.
SME Car Loan
Loans for purchase of passenger cars, jeeps, multi utility vehicles etc., to the
promoter/partner/senior executives of the SME units having borrowing arrangements
with the Bank/ their family members either in their own name or the units name as
per the choice of the customer.
SME Current Account holders of the Bank or their family member either in their own
name or in the units name, and other SME clients subject to obtaining a NOC from
the bank where they might have a loan account, are also eligible.
MCG units of the Bank will also be eligible for the product.
Loans available for used cars also.
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For Vendors and Dealers:
Supply
banks, buyers Chain
and sellers forFinance
Supply Chain Financing is an online collaborative platform for the
transactions and financing across
the financial supply chain.

Electronic Vendor Finance Scheme

The scheme provides for financing receivables of vendors of
reputed Corporates/ Industry majors (IMs). The scheme is a
completely web based solution with minimal branch intervention
and provides instant credit to vendors account electronically. This
enables both the Industry Majors and their vendors to achieve the
objective of Just In Time production. The vendors enjoy timely
availability of funds.

Electronic Dealer Finance Scheme

The scheme provides for financing purchases of Dealers from
Corporates/Industry Majors (IMs). It is a completely web based
solution with customized MIS provided to the stakeholders. The
Industry Major enjoys timely availability of funds. The dealer can
make effective utilization on working capital funds. Both Industry
Major and dealer can make use of improved cash flow forecasting.

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SBI Power
Value added Current account with eight variants with
concessions in cash transaction, remittances, collections
and various other banking needs, based on the
Quarterly Average Balance (QAB) maintained by our
business customers.

POWERCURRENTACCOUNTVARIANTS
POWER PACK QAB Rs.5lacs
POWER PREMIUM QAB Rs.4lacs
POWER PRIVILEGE QAB Rs.3lacs
POWER ADVANTAGE QAB Rs.2lacs
POWER GAIN QAB Rs.1lacs
POWER SUPER QAB Rs.75,000
POWER LITE QAB Rs.40,000
POWER BASE QAB Rs.20,000

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Sahaj and Surabhi
SAHAJ Current Account
A special Current account for entrepreneurs having
small means and who are otherwise not able to have
an account with the Bank. They can open account
with us with a Quarterly Average Balance of
Rs.1,000/- only.

Surabhi deposit account

To cover that section of non-individual customers who
have surplus funds for investments, but at the same
time need the Convenience of liquidity. Accounts
under SURABHI Scheme are Savings Bank/Current
Accounts with auto sweep and reverse sweep facility.

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B2B & Power Jyoti
B2B Payment Solution
A complete IT solution to Corporate needs. The
dealers/retailers can pool periodical remittances in
the pooling account of their service/commodity
major with customized MIS availability.

Power Jyoti Current Account

A one stop solution for Fee Collection of
educational institutions, recruitment agencies and
other SME customers. The highlight of the product
is that the funds could be transferred without the
remitter having an account in our bank. We have
also customized Power Jyoti for brokers.

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Thank You