State Bank of India presents Smart SME Products for Smart Businesses

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State Bank of Indiapresents Smart SME
ProductsforSmart Businesses
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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

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SME Loan Products
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SME Liability and Transaction Products
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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, RD, 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, RD 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 CapitalFor
  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 (FBNFB) 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 RestaurantsLoans 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 6040.
• 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 LoanLoans 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 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.

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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