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T/L - 5 Years (excluding 1. Promoter's Age - below 66 years (18 yrs - 65 yrs)
Loan as per scoring model -
6M moratorium) 2. Minimum Score - 60% (50% in each group -
Rationale: (1) To cut down delays, 25% for WC 5-50 Lacs (Mfg)
SME SMART SCORE W/C Limit valid for 2 Personal+Business+Collateral: 30+50+20)
(2) To simplify the approval 33% for T/L 5-25 Lacs (Trade)
Years subject to yearly 3. CRA applicable for loans above Rs.25 lacs.
process.
review 4. SSI-20% of P.S., T&S-15% of Projected Sales
DISCONTINUED
SBI SHOPPE
T/L: 15-25%,
5-7 Yrs, excluding Loan upto 50 Lacs - No Collateral - obtain CGTMSE Cover,
Loan as T/L, CC, LC, BG, Credit WC Stocks -
DAL MILL PLUS Not specified gestation period of 50 L-1 Cr : only if Guarantee fee to be borne by borrower.
Plus 15-20%, Book
1 year Without CGTMSE - 75% collateral to be insisted.
Debts-25-40%
SME OPEN TERM Scheme for CRA upto SB 6 only, Max 3 Years,
10% Max 2.5 Crore Limits to be utilized within 12 months of sanction
LOAN ECR - BBB and above 5 yrs-On selective basis
WC/TL - Smart Assessment as per SME Credit Card Scheme - Prof & SE : 50% of
To increase flow of credit to
Revised General Card/Debit Card to be Valid for 3 years, subject Gross Income, SSI/Traders : 20% of Projected Annual Turnover. TIN
individuals for entrepreneurial 20%
Credit Card issued. to annual review No./Service Tax Registration No. to be obtained and Sales to be
activity in the non-farm sector
Maximum - 5 lacs verified with VAT & Service Tax returns, wherever applicable.
POWER BASE 20000/- (QAB) PENALTY: Non maintaining QAB - 3000/-, Closing A/c within 12 months- 750/-, RTGS/NEFT-Normal, DD-2/1000
POWER GAIN 2 LACS (MAB) PENALTY: Non maintaining MAB - 1500/- + ST, Closing A/c after 14 days - 1000/- + ST, RTGS/NEFT-Free, DD-1/1000
POWER PACK 5 LACS (MAB) PENALTY: Non maintaining MAB - 2500/- + ST, Closing A/c after 14 days - 1000/- + ST, RTGS/NEFT/DD/BC -Free
Account may be opened with ZERO balance. Non-maintenance of MAB - Rs.500/-, Closing A/c after 14 days - 1000/- + ST, DD/BC/IOI -
POWER POS MAB - Rs. 5000 At par, Outstation cheque collection - 50% of normal card rates - Cash handling charges : free upto Rs.25,000/- . Duplicate Statements -
Chargeable, Standing Instructions - Free. POS-OD - 25% of last 6 months transactions, Min Loan : Rs. 25000/-, Max : Rs. 5 lacs (e-Cir
No. NBG/TBU-LTP/4/2016 - 17 dated 9/8/2016)
PENALTY : Non maintaining QAB - 300/-, To provide basic banking facility to the low profile business community - Drawings per cheque
SME Sahaj QAB - Rs.1000
and also in ATMs is limited to Rs.15,000/- The account holder is permitted to remit Cash to the extent of Rs.10,000/- on any one
working day.
Penalty : Rs.500/- + ST for not maintaining MAB. Period : 1-3 yrs, Threshold limit : Rs. 1 lac, Initial Deposit : Rs. 1 lac and in multiples of
Surabhi MAB 10,000/-
Rs.10,000/-, No loan facility available.