External Benchmark Linked Lending Rate (EBLR) for Retail Product
| CIBIL Credit Vision Score | Repo Rate (3 Month Review) in % |
Spread in % | Revised EBLR (in %) |
||
|---|---|---|---|---|---|
| PSB APNA GHAR | 768-900 | 4.00 | 2.90 | 6.90 | |
| 753-767 | 4.00 | 3.00 | 7.00 | ||
| 732-752 | 4.00 | 3.20 | 7.20 | ||
| 690-731 | 4.00 | 3.45 | 7.45 | ||
| 641-689* | 4.00 | 3.60 | 7.60 | ||
| PSB APNA GHAR Top-up | 768-900 | 4.00 | 4.10 | 8.10 | |
| 753-767 | 4.00 | 4.20 | 8.20 | ||
| 732-752 | 4.00 | 4.40 | 8.40 | ||
| 690-731 | 4.00 | 4.65 | 8.65 | ||
| PSB APNA VAHAN | Four Wheeler Vehicle | 768-900 | 4.00 | 3.10 | 7.10 |
| 753-767 | 4.00 | 3.20 | 7.20 | ||
| 732-752 | 4.00 | 3.40 | 7.40 | ||
| 690-731 | 4.00 | 3.65 | 7.65 | ||
| 641-689* | 4.00 | 3.90 | 7.90 | ||
| Two Wheeler Vehicle | 767-900 | 4.00 | 7.85 | 11.85 | |
| 753-767 | 4.00 | 8.00 | 12.00 | ||
| 732-752 | 4.00 | 8.20 | 12.20 | ||
| 690-731 | 4.00 | 8.45 | 12.45 | ||
| 641-689* | 4.00 | 8.60 | 12.60 | ||
| Old Four Wheeler Vehicle | 768-900 | 4.00 | 5.85 | 9.85 | |
| 753-767 | 4.00 | 6.00 | 10.00 | ||
| 732-752 | 4.00 | 6.20 | 10.20 | ||
| 690-731 | 4.00 | 6.50 | 10.50 | ||
PSB APNA VAHAN for other than individual
Table A
| Commercial CIBIL RANK / External Rating | EBLR | ||
|---|---|---|---|
| Repo Rate (in %) |
Spread (in %) |
EBLR (in %) |
|
| 1 or AAA | 4.00 | 3.10 | 7.10 |
| 2 or AA | 4.00 | 3.20 | 7.20 |
| 3-4 or A | 4.00 | 3.40 | 7.40 |
| 5-6 or BBB and BB | 4.00 | 3.65 | 7.65 |
| *7-8 or BBB and BB (*Terms & Conditions Apply) | 4.00 | 3.90 | 7.90 |
| CIBIL Credit Vision Score | Repo Rate (in %) |
Spread (in %) |
EBLR (in %) |
||
|---|---|---|---|---|---|
| PSB Sukhmoney (Reverse Mortgage Loan Scheme) | Up to Rs.20 lakh | 768-900 | 4.00 | 4.90 | 8.90 |
| 753-767 | 4.00 | 5.00 | 9.00 | ||
| 732-752 | 4.00 | 5.20 | 9.20 | ||
| 690-731 | 4.00 | 5.45 | 9.45 | ||
| Above Rs.20 lakh | 768-900 | 4.00 | 5.35 | 9.35 | |
| 753-767 | 4.00 | 5.50 | 9.50 | ||
| 732-752 | 4.00 | 5.70 | 9.70 | ||
| 690-731 | 4.00 | 5.95 | 9.95 | ||
| PSB Personal Loan | Salaried Class - Salary disbursed through our branches (Including SB OD Accounts) | 4.00 | 7.10 | 11.10 | |
| For Pensioners | 4.00 | 7.10 | 11.10 | ||
| IBA Model Education Loan scheme | Loan up to Rs.4 Lakh | 4.00 | 5.10 | 9.10 | |
| Loan Above Rs.4 Lakh & up to Rs.7.50 Lakh | 4.00 | 5.10 | 9.10 | ||
| Above Rs.7.50 Lakh | 4.00 | 4.60 | 8.60 | ||
| PSB Excellence-Education Loan | Loan up to Rs 20 lakh | 4.00 | 4.30 | 8.30 | |
| IBA Skill Loan | Loan up to Rs 1.50 lakh | 4.00 | 6.10 | 10.10 | |
| PSB Mortgage | Term Loan facilities (for Personal Use) | 768-900 | 4.00 | 5.35 | 9.35 |
| 753-767 | 4.00 | 5.50 | 9.50 | ||
| 732-752 | 4.00 | 5.70 | 9.70 | ||
| 690-731 | 4.00 | 5.95 | 9.95 | ||
| PSB Kisan Home Loan | Up to Rs. 20.00 lakh | Same ROI as applicable to PSB Apana Ghar Scheme | |||
| PSB Gold Loan | Loan/Limits upto Rs 10.00 lakh | 4.00 | 3.00 | 7.00 | |
| Loan/Limits above Rs.10.00 lakh | 4.00 | 3.50 | 7.50 | ||
External Benchmark Linked Lending Rates (EBLR) for Micro Small and Medium Enterprises.
Table ‘B’
Funded Exposure Up to Rs. 10 lakh
| Description | Repo Rate (in %) |
Spread (in %) |
EBLR (in %) |
|---|---|---|---|
| Up to 5 Lakh | 4.00 | 3.00 | 7.00 |
| Above 5 Lakh to 10 lakh | 4.00 | 3.85 | 7.85 |
Funded Exposure above Rs.10 lakh
| Internal Rating | Repo Rate (in %) |
Spread (in %) |
EBLR (in %) |
|---|---|---|---|
| 1 | 4.00 | 5.10 | 9.10 |
| 2 | 4.00 | 5.40 | 9.40 |
| 3 | 4.00 | 5.95 | 9.95 |
| 4 | 4.00 | 6.45 | 10.45 |
| 5 | 4.00 | 6.95 | 10.95 |
| 6 | 4.00 | 7.30 | 11.30 |
| 7 | 4.00 | 8.10 | 12.10 |
ROI for Ancillary Activities (Agriculture) Loan Products
| Rate of Interest(%PA) for Loan up to Rs 10.00 Lakh | ||||
|---|---|---|---|---|
| Limit | Repo | Spread (in %) | Effective ROI (%) | |
| Upto Rs 10 Lakh | 4.00 | 3.00 | 7.00% | |
| Internal Rating | Repo Rate In % | Spread (in %) | Revised EBLR In % |
|---|---|---|---|
| 1 | 4.00 | 4.50 | 8.50 |
| 2 | 4.00 | 4.60 | 8.60 |
| 3 | 4.00 | 4.70 | 8.70 |
| 4 | 4.00 | 4.80 | 8.80 |
| 5 | 4.00 | 4.90 | 8.90 |
| 6 | 4.00 | 5.05 | 9.05 |
| 7 | 4.00 | 5.20 | 9.20 |
ROI for Rupee Export Credit
| Internal Rating | Repo Rate In % | Spread (in %) | Revised EBLR In % |
|---|---|---|---|
| 1 | 4.00 | 3.95 | 7.95 |
| 2 | 4.00 | 4.05 | 8.05 |
| 3 | 4.00 | 4.15 | 8.15 |
| 4 | 4.00 | 4.30 | 8.30 |
| 5 | 4.00 | 4.35 | 8.35 |
| 6 | 4.00 | 4.60 | 8.60 |
| 7 | 4.00 | 5.40 | 9.40 |
| PRIORITY SECTOR (MSME) SCHEMES | Product information | Repo Rate (in %) |
Spread (in %) |
EBLR (in %) |
|---|---|---|---|---|
| PSB Scheme on Financing Food & Agro Processing Units | Above 100 crore | 4.00 | As per Table 'B' | |
| PSB Scheme on Financing Rice Shellers | Above 100 crore | 4.00 | As per Table 'B' | |
| PSB Agri-Produce Pledge Loan (against warehouse receipt) Scheme | 4.00 | 4.10 | 8.10 | |
| PSB KRISHAK MITRA | i) Upto and Inclusive of Rs.100 lakh | 4.00 | 3.95 | 7.95 |
| ii) Above Rs.100 lakh | 4.00 | 4.50 | 8.50 | |
| Vyapar Loan | Working Capital Term Loan facilities repayable upto 5 years | 4.00 | 5.65 | 09.65 |
| Term Loan facilities repayable upto 10 years | 4.00 | 5.90 | 09.90 | |
| Overdraft facilities | 4.00 | 5.40 | 9.40 | |
| PSB Liquid plus Scheme | Term Loan facilities repayable upto 5 years | 4.00 | 5.25 | 9.25 |
| Term Loan facilities repayable above 5 years | 4.00 | 5.45 | 9.45 | |
| Overdraft facilities | 4.00 | 5.00 | 9.00 | |
| Commercial Vehicle Loan | Loan up to Rs. 25 lakh | 4.00 | 5.35 | 9.35 |
| Loan above Rs. 25 lakh | 4.00 | 5.85 | 9.85 | |
| PSB Doctor Special Loan Scheme | ||||
| Above Rs.10 lakh & Upto Rs.2 Crore | 4.00 | 5.75 | 9.75 | |
| Above Rs.2 crore & Upto Rs.5 Crore | 4.00 | 6.00 | 10.00 | |
| PSB Contractor Plus | Term Loan Facilities Repayable upto 10 years | 4.00 | 5.75 | 9.75 |
| Overdraft facilities | 4.00 | 5.05 | 9.05 | |
| PSB Flexi Term Loan | 4.00 | 5.05 | 9.05 | |
| PSB Guaranteed Emergency Credit Line (PSB GECL) for Business Enterprises Scheme code - ECLTLGL | Upto 5 lac | 4.00 | 3.00 | 7.00 |
| Above 5 lac | 4.00 | 3.50 | 7.50 | |
| PSB-PM Svanidhi Scheme | 4.00 | 5.50 | 9.50 | |
| PSB-CGSSD | 4.00 | 4.50 | 8.50 | |
| PSB Mortgage | Term Loan facilities (For MSME) | As per Table 'B' | ||
| Overdraft facilities (For MSME) | As per Table 'B' | |||
| Scheme for financing Micro-Finance Institutions (MFIs) | As per Table 'B' | |||
| PSB Scheme for Financing Agri- Seed Processing Units | Above 100 crore | As per Table 'B' | ||
| PSB Scheme for financing of E-Rikshaws (ECO-RIDE Scheme) | As per Table 'B' | |||
| STAND UP INDIA | As per Table 'B' | |||
| DAY NRLM | As per Table 'B' | |||
| DAY NULM | As per Table 'B' | |||
| PMEGP (Other than Agri) | As per Table 'B' | |||
| PSB Scheme for financing Solar heating System | As per Table 'B' | |||
| MNRE’s Scheme for Establishment of Akshya Urja Shops | As per Table 'B' | |||
| Non-Schematic MSME | As per Table 'B' | |||
Service Charges on Priority Sector
| SEGMENT | PROCESSING FEES + GST (additional) | RENEWAL/REVIEWAL CHARGES + GST (additional) | DOCUMENTATION FEES + GST (additional) | ||||||||
| KCC | Upto Rs.3 Lakh | NIL | No Fee for Renewal | Loans upto Rs.2Lakh | NIL | ||||||
| Above Rs.3 Lakh | i) 0.50% of limit (for portion above Rs.3 Lakh) with minimum of Rs. 500/- at the time of sanction only. ii) Processing Fee will be applicable in case of enhancement above Rs.3 Lakh, on enhanced portion only. iii) No processing Charge to be levied at the time of renewal |
Loans >Rs.2 Lakh & upto Rs.25 Lakh | @Rs.100 per lac subject to maximum Rs.2000/- | ||||||||
| Loans >Rs.25 Lakh & upto Rs.50 Lakhs | Rs. 2000 + @Rs. 150 per lac on loan/ limit in excess of Rs. 25 Lacs subject to maximum of Rs.5000/- | ||||||||||
| >Rs.50 Lakh & above | Rs. 5000 + @Rs. 200 per lac on loan/ limit in excess of Rs. 50 Lacs subject to maximum of Rs.10000/- | ||||||||||
| TERM LOAN AGRI |
Upto Rs.25,000/- | NIL | No Fee for Reviewal. | Levied @ same as on KCC. | |||||||
| Above Rs.25000/- and upto Rs.2 Lakh | Rs.400/- | ||||||||||
| Above Rs.2 Lakh | @1.00% (New Borrower) @0.75% (5 yr. old Borrower) @0.50% (20 yr. old Borrower) No Fee for reviewal. |
||||||||||
| RICE SHELLER | Rs.100/- per lac.for W.C and for term loans upfront fee Rs.50/- per lac (Subject to a max. of Rs.25,000/-). ZM permitted to waive processing fee by 50% of the applicable fee in cases of fresh taken over from other banks and high value accounts having internal credit rating 1 & 2 only. | W.C. | Rs.100/- per lac max. of Rs.25000/- | Upto Rs. 2 Lacs | NIL | ||||||
| Above Rs. 2 Lacs & upto Rs.25 Lakh | Rs.2500/- | ||||||||||
| Above Rs. 25 Lacs & upto Rs.100 Lakh | Rs.5000/- | ||||||||||
| Above Rs. 100 Lacs | Rs.10000/- | ||||||||||
| Term Loan | For term loans fee upfront Rs.50/- per lac (Subject to a max. of Rs.25,000/-). ZM permitted to waive processing fee by 50% of the applicable fee in cases of fresh taken over from other banks and high value accounts having internal credit rating 1 & 2 only. (Fee for Reviewal of Term Loans O/s of Rs. 10 Lacs and above to be charged @0.05% without any cap on every reviewal) |
For Supplying Copy of Documents | |||||||||
| Upto Rs.25000/- | NIL | ||||||||||
| Above Rs. 25000/- & upto Rs.100 Lakh | Rs.500/- | ||||||||||
| Above Rs. 100 Lacs | Rs.1000/-plus actual Charges | ||||||||||
| MSME | Upto Rs.5 Lakh (WC/ Term Loan) |
NIL | Upto Rs. 25000/- | NIL | Upto Rs. 2 Lacs | NIL | |||||
| Above Rs.25000/- & upto Rs.2 Lakh | Rs.400/- | Above Rs. 2 Lacs & upto Rs.25 Lakh | Rs.2500/- | ||||||||
| Above Rs.5 Lakh | Above Rs.2 Lakh | Above Rs. 25 Lacs & upto Rs.100 Lakh | Rs.5000/- | ||||||||
| WC Limit | Other than Real Estate Sector | Real Estate | WC Limit | Other than Real Estate Sector | Real Estate | Above Rs. 100 Lacs | Rs.10000/- | ||||
| (a) (i) Working Capital above Rs. 5 Lakh to Rs.50 lakh | 0.50% of limit with minimum of Rs. 500/- with no cap at the time of sanction/ renewal every year. | Rs. 500/- per lakh or part thereof with no cap | (a) (i) Working Capital above Rs. 2 Lakh to Rs.50 lakh | 0.50% of limit with minimum of Rs. 500/- with no cap at the time of sanction/ renewal every year. | Rs. 500/- per lakh or part thereof with no cap | For Supplying Copy of Documents | |||||
| Upto Rs.25000/- | NIL | ||||||||||
| 1% with no cap and 50% of applicable charges on renewal every year. | (a) (ii) Working Capital above Rs.50 lakh | 1% with no cap and 50% of applicable charges on renewal every year. | |||||||||
| (a) (ii) Working Capital above Rs.50 lakh | |||||||||||
| (b) Term Loans above Rs.5 Lakhs | @1.00% (New Borrower) @0.75% (5 yr. old Borrower) @0.50% (20 yr. old Borrower) |
(b) Term Loans above Rs.2 Lakhs | @1.00% (New Borrower) @0.75% (5 yr. old Borrower) @0.50% (20 yr. old Borrower) (Fee for Reviewal of Term Loans O/s of Rs. 10 Lacs and above to be charged @0.05% without any cap on every reviewal.) |
Above Rs. 25000/- & upto Rs.100 Lakh | Rs.500/- | ||||||
| Above Rs. 100 Lacs | Rs.1000/-plus actual Charges | ||||||||||
