State Bank of India
presents
Smart SME Products
for
Smart Businesses
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
SME Credit Card (Up to Rs.10 Lakh)
SME Smart Score (Up to Rs.50 Lakh)
For Traders
Traders Easy Loan
Flexi Loan for Trade and Services
For Startups
SBI SMILE (Interest Free Loan as equity)
For Doctors
Doctor Plus
Term Loans for SSIs
General Purpose Term Loan for SSI Sector (Up to Rs.50
Lakh)
Open Term Loan (Up to Rs.2.5 Cr)
Corporate Loan (Fro Rs.25 Lakh up to Rs.10 Cr)
For Schools & Institutes
School Plus
Add Ons
SME Credit Plus
Standby Line of Credit for Working Capital
Food processing
Rice Mill Plus
Dal Mill Plus
Collateral Free Loan
SME Collateral Free Loan
For Shop Owners
SBI Shoppe
SBI Shoppe Plus
For Restaurant owners
Finance to Restaurants
For Transport Operators
Transport Plus
For skill based businesses
Artisan Credit Card
For Vendors and Dealers: Supply Chain Finance
Miscellaneous
Rent Plus
SME Construction Equipment Loan
SME Car Loan
Electronic Vendor Finance Scheme
Electronic Dealer Finance Scheme
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.
Back
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 Bank’s 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.
Back
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.
Back
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
Back
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.
Back
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.
Back
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.
Back
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 1015%, with loans up to Rs.5.00 crore. repayable in
7 years.
Back
For Schools & Institutes
 School Plus
Term Loans to educational institutions including primary
and higher secondary schools, graduation, undergraduation 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.
Back
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/ dealer’s 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.
Back
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.
Back
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.
Back
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)
Back
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 entrepreneur’s stake is
more than 51%, Term Loan & Working Capital
facility is available with concessionary margins
and interest rates.
Back
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 unit’s 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.
Back
For Vendors and Dealers:
Supply
Chain
Finance
Supply Chain Financing is an online collaborative platform for the banks,
buyers and sellers for 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.
Back
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
Back
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.
Back
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.
Back
Thank You