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PRLR

PSB Repo Linked Rate (PRLR): 8.45% (Repo :6.50% Markup: 1.95%) w.e.f. 25-08-2023

Effective EBLR ROI for following products w.e.f 03.10.2024

TABLE ‘A’

 

External Benchmark Linked Lending Rate (EBLR) for Retail Product

PSB Apna Ghar & Kisan Home Loan

 

CIBIL Credit Vision Score

Repo

%

Markup %

 (3 Year Reset)

CRP%

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

791 and above

6.50

1.95

0.05

0.05

8.55

768-790

6.50

1.95

0.19

0.06

8.70

753-767

6.50

1.95

0.32

0.08

8.85

732-752

6.50

1.95

0.51

0.09

9.05

690-731

6.50

1.95

0.85

0.10

9.40

641-689*

6.50

1.95

1.20

0.35

10.00

 

PSB Apna Ghar Sahaj & Gaurav:

CIBIL Credit Vision Score

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

791 and above

6.50

1.95

0.00

0.05

8.50

768-790

6.50

1.95

0.19

0.01

8.65

753-767

6.50

1.95

0.32

0.03

8.80

732-752

6.50

1.95

0.51

0.04

9.00

690-731

6.50

1.95

0.85

0.05

9.35

641-689*

6.50

1.95

1.20

0.20

9.85

 

PSB Apna Ghar Top Up:

0.50% over and above applicable ROI for Housing Loan to be added in the BSP.

 

Note (*)

  • Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.
  • Sanctioning Authority to ensure that customer does not have history of default (DPD more than 60 Days) in other Banks also during last one year.

 

Vehicle Loan Individual

 

PSB Apna Vahan

 

Product Information

CIBIL Credit Vision Score

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR  %

Four Wheeler Vehicle

768-900

6.50

1.95

0.19

0.31

8.95

753-767

6.50

1.95

0.32

0.38

9.15

732-752

6.50

1.95

0.51

0.39

9.35

690-731

6.50

1.95

0.85

0.40

9.70

641-689*

6.50

1.95

1.20

0.60

10.25

Two Wheeler Vehicle

768-900

6.50

1.95

0.19

3.66

12.30

753-767

6.50

1.95

0.32

3.68

12.45

732-752

6.50

1.95

0.51

3.69

12.65

690-731

6.50

1.95

0.85

3.70

13.00

641-689*

6.50

1.95

1.20

3.85

13.50

Old Four Wheeler Vehicle

768-900

6.50

1.95

0.19

2.36

11.00

753-767

6.50

1.95

0.32

2.43

11.20

732-752

6.50

1.95

0.51

2.54

11.50

690-731

6.50

1.95

0.85

2.50

11.80

641-689*

6.50

1.95

1.20

2.85

12.50

 

Note (*)

  • Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.
  • Sanctioning Authority to ensure that customer does not have history of default (DPD more than 60 Days) in other Banks also during last one year.

 

 

PSB Apna Vahan Sugam:

 

Product

CIBIL Credit Vision Score

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR  %

New Four Wheeler

768-900

6.50

1.95

0.19

0.26

8.90

753-767

6.50

1.95

0.32

0.33

9.10

732-752

6.50

1.95

0.51

0.34

9.30

690-731

6.50

1.95

0.85

0.35

9.65

641-689*

6.50

1.95

1.20

0.55

10.20

New Two Wheeler

768-900

6.50

1.95

0.19

2.86

11.50

753-767

6.50

1.95

0.32

2.93

11.70

732-752

6.50

1.95

0.51

3.04

12.00

690-731

6.50

1.95

0.85

3.00

12.30

641-689*

6.50

1.95

1.20

2.85

12.50

 

Note (*)

  • Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.
  • Sanctioning Authority to ensure that customer does not have history of default (DPD more than 60 Days) in other Banks also during last one year.

 

 

 

 

 

PSB E-Vahan Two Wheeler:

CIBIL Credit Vision Score

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

768-900

6.50

1.95

0.19

2.86

11.50

753-767

6.50

1.95

0.32

2.98

11.75

732-752

6.50

1.95

0.51

3.29

12.25

590-731

6.50

1.95

0.85

3.70

13.00

641-689

6.50

1.95

1.20

3.85

13.50

 

Psb E-Vahan/ Hybrid Car

 

Product

CIBIL Credit Vision Score

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

New Four Wheeler

768-900

6.50

1.95

0.19

0.21

8.85

753-767

6.50

1.95

0.32

0.28

9.05

732-752

6.50

1.95

0.51

0.29

9.25

690-731

6.50

1.95

0.85

0.30

9.60

641-689*

6.50

1.95

1.20

0.50

10.15

 

 

Note (*)

  • Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.
  • Sanctioning Authority to ensure that customer does not have history of default (DPD more than 60 Days) in other Banks also during last one year.

 

 

Vehicle Loan Non – Individual

Vehicle Loan to Non – Individual up to Rs. 10.00 Lakh

 

Product

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

New Four Wheeler

6.50

1.95

0.32

0.48

9.25

Old Four Wheeler

6.50

1.95

0.57

2.38

11.40

E- Vahan/ Hybrid Car

6.50

1.95

0.32

0.23

9.00

Vehicle Loan to Non – Individual above Rs. 10.00 Lakh

 

Product

Internal Rating

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR %

New Four Wheeler- Non Individual

 

1

6.50

1.95

0.19

0.31

8.95

2

6.50

1.95

0.32

0.38

9.15

3-4

6.50

1.95

0.51

0.39

9.35

5-6

6.50

1.95

0.85

0.25

9.55

7

6.50

1.95

1.20

0.60

10.25

Old Four Wheeler - Non Individual

1

6.50

1.95

0.44

2.41

11.30

2

6.50

1.95

0.57

2.38

11.40

3-4

6.50

1.95

0.76

2.49

11.70

5-6

6.50

1.95

1.10

2.55

12.10

7

6.50

1.95

1.45

2.65

12.55

E- Vahan/ Hybrid Car

1

6.50

1.95

0.19

0.26

8.90

2

6.50

1.95

0.32

0.23

9.00

3-4

6.50

1.95

0.51

0.34

9.30

5-6

6.50

1.95

0.85

0.40

9.70

7

6.50

1.95

1.20

0.65

10.30
 

 

Fresh/enhancement/revision/extension in the validity of existing credit limits in case of existing clients and sanction in case of new clients to be considered by next higher authority in case where rating is below Hurdle Rate i.e below PSB Internal Rating ‘5’.

 

 

 

PSB Personal Loan

 

 

CIBIL Credit Vision Score

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

i.Govt/ State Govt/ PSU/ Approved Educational Institute - Tie Up or if salary account with us

825 and above

6.50

1.95

0.19

2.61

11.25

768-824

6.50

1.95

0.19

2.96

11.60

753-767, -1, 3, 4, 5

6.50

1.95

0.32

3.18

11.95

732-752

6.50

1.95

0.51

3.19

12.15

690-731

6.50

1.95

0.85

3.20

12.50

641-689*

6.50

1.95

1.20

3.40

13.05

ii. Govt/ Government PSU/ Pensioners/ Approved Educational Institute

825 and above

6.50

1.95

0.19

2.61

11.25

768-824

6.50

1.95

0.19

2.96

11.60

753-767, -1, 3, 4, 5

6.50

1.95

0.32

3.18

11.95

732-752

6.50

1.95

0.51

3.19

12.15

690-731

6.50

1.95

0.85

3.20

12.50

641-689*

6.50

1.95

1.20

3.40

13.05

iii. Private Employee/ MNC

825 and above

6.50

1.95

0.19

3.51

12.15

768-824

6.50

1.95

0.19

3.56

12.20

753-767, -1, 3, 4, 5

6.50

1.95

0.32

3.63

12.40

732-752

6.50

1.95

0.51

3.74

12.70

690-731

6.50

1.95

0.85

4.20

13.50

641-689*

6.50

1.95

1.20

4.35

14.00

PAPL

 

6.50

1.95

0.19

3.36

12.00

 

PSB Sukhmoney (Reverse Mortgage Loan Scheme)

Product

CIBIL Credit Vision Score

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

Up to Rs.20 lakh

825 and above

6.50

1.95

0.19

1.61

10.25

768-824

6.50

1.95

0.19

2.11

10.75

753-767

6.50

1.95

0.32

2.08

10.85

732-752

6.50

1.95

0.51

2.09

11.05

690-731

6.50

1.95

0.85

2.10

11.40

641-689*

6.50

1.95

1.20

2.45

12.10

Above Rs.20 lakh

825 and above

6.50

1.95

0.19

1.86

10.50

768-824

6.50

1.95

0.19

2.61

11.25

753-767

6.50

1.95

0.32

2.58

11.35

732-752

6.50

1.95

0.51

2.59

11.55

690-731

6.50

1.95

0.85

2.60

11.90

641-689*

6.50

1.95

1.20

2.95

12.60

 

 

 

PSB Mortgage - Term Loan Facilities (for Personal Use)

 

CIBIL Credit Vision Score

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

768-900

6.50

1.95

0.19

1.41

10.05

753-767

6.50

1.95

0.32

1.38

10.15

732-752

6.50

1.95

0.51

1.39

10.35

690-731

6.50

1.95

0.85

1.65

10.95

641-689*

6.50

1.95

1.20

1.65

11.30

 

PSB Rent for General Public

 

 

CIBIL Credit Vision Score

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

768-900

6.50

1.95

0.19

1.51

10.15

753-767

6.50

1.95

0.32

1.48

10.25

732-752

6.50

1.95

0.51

1.49

10.45

690-731

6.50

1.95

0.85

1.50

10.80

641-689*

6.50

1.95

1.20

1.60

11.25

 

 

Note (*)

  • Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.
  • Sanctioning Authority to ensure that customer does not have history of default (DPD more than 60 Days) in other Banks also in last one year.

 

PSB Rent for Landlords of Our Bank Premises

 

 

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

6.50

1.95

0.19

0.36

9.00

 

PSB Rent for Non Individual Customer

 

PSB RENT FOR Non Individual Customer

Loan up to Rs.10 lakh

 Product

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

 Loan up to Rs.10 lakh

6.50

1.95

0.32

1.38

10.15

Loan Above Rs.10 lakh

Internal Rating

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

1

6.50

1.95

0.19

1.41

10.05

2

6.50

1.95

0.32

1.38

10.15

3-4

6.50

1.95

0.51

1.39

10.35

5-6

6.50

1.95

0.85

1.40

10.70

7

6.50

1.95

1.85

1.50

11.80

 

Fresh/enhancement/revision/extension in the validity of existing credit limits in case of existing clients and sanction in case of new clients to be considered by next higher authority in case where rating is below Hurdle Rate i.e below PSB Internal Rating ‘5’.

 

 

 

 

Education Loan

 

 

Product Information

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

IBA Model Education Loan Scheme

Loan up to Rs.4.00 Lakh

6.50

1.95

1.81

0.99

11.25

Loan Above Rs.4 lakh & up to Rs.7.50 Lakh

6.50

1.95

0.74

1.36

10.55

Above Rs.7.50 Lakh

6.50

1.95

0.27

1.58

10.30

IBA Skill Loan

Loan up to Rs. 1.50 Lakh

6.50

1.95

1.56

1.24

11.25

 

EDUCATION LOAN COVERED UNDER CGFSEL/ CGFSSD UP TO Rs.7.50 Lakh

 

Product Information

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

IBA Model Education Loan Scheme

Loan up to Rs.4.00 Lakh

6.50

1.95

1.56

0.44

10.45

Loan Above Rs.4 lakh & up to Rs.7.50 Lakh

6.50

1.95

0.49

1.51

10.45

IBA Skill Loan

Loan up to Rs. 1.50 Lakh

6.50

1.95

1.50

0.00

9.95

PSB Excellence Education Loan**

 

Category of Institute

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

AA Rated

6.50

1.95

0.27

-0.62

8.10

A Rated

6.50

1.95

0.27

-0.52

8.20

 

**No other concession in rate of interest is applicable

 

Below mentioned concessions in Education Loan to be continued as per Bank’s Existing guidelines

In accordance with IBA guidelines, additional concession @1% will be provided till the commencement of repayment to all borrowers on account of service of interest during moratorium period. At the end of the moratorium period in such cases, the interest to be recalculated by extending concession of 1% over and above the actual rate of interest applied and the excess amount of interest so arrived may be reversed. However, if in the account, the default occurs more than three occasions, either consecutively or at different point of time during the entire period of moratorium/repayment holiday, then 1% interest concession shall not be extended.

 

 

PSB Swarn Shakti

 

Quantum of Finance

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

Up to Rs.5.00 Lakh

6.50

1.95

0.06

0.84

9.35

Above  Rs.5.00 Lakh

6.50

1.95

0.06

0.74

9.25

 

 

 

 

TABLE ‘B’

External Benchmark Linked Lending Rates (EBLR) for Micro and Small Medium Enterprises/ Agriculture Infrastructure/ Ancillary Activities (Agriculture)

 

Funded Exposure Up to Rs. 10 lakh

Description

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

Up to 5 Lakh

6.50

1.95

0.33

1.72

10.50

Above 5 Lakh to 10 lakh

6.50

1.95

0.50

2.55

11.50

 

Funded Exposure above Rs.10 Lakh and up to Rs. 1.00 Crore (Security in form of immovable property is 100% & Above)

Internal Rating

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

1

6.50

1.95

0.24

1.11

9.80

2

6.50

1.95

0.29

1.26

10.00

3

6.50

1.95

0.30

1.45

10.20

4

6.50

1.95

0.45

1.60

10.50

5

6.50

1.95

0.58

1.82

10.85

6

6.50

1.95

1.42

1.58

11.45

7

6.50

1.95

5.01

1.09

14.55

 

 

Funded Exposure above Rs.1.00 Crore and up to Rs. 10.00 Crore (Security in form of immovable property is 100% & Above)

Internal Rating

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

1

6.50

1.95

0.24

1.01

9.70

2

6.50

1.95

0.29

1.16

9.90

3

6.50

1.95

0.30

1.35

10.10

4

6.50

1.95

0.45

1.50

10.40

5

6.50

1.95

0.58

1.72

10.75

6

6.50

1.95

1.42

1.48

11.35

7

6.50

1.95

5.01

0.99

14.45

 

Funded Exposure above Rs.10 Crore

Internal Rating

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

1

6.50

1.95

0.24

0.91

9.60

2

6.50

1.95

0.29

1.06

9.80

3

6.50

1.95

0.30

1.25

10.00

4

6.50

1.95

0.45

1.40

10.30

5

6.50

1.95

0.58

1.62

10.65

6

6.50

1.95

1.42

1.38

11.25

7

6.50

1.95

5.01

0.89

14.35

Note: Fresh/enhancement/revision/extension in the validity of existing credit limits in case of existing clients and sanction in case of new clients to be considered by next higher authority in case where rating is below Hurdle Rate i.e below PSB Internal Rating ‘5’.

 

TABLE‘C’

Priority Sector (Agri/ MSME) Schemes

 

PRIORITY SECTOR (MSME) SCHEMES

Product information

Repo

%

Markup %

 (3 Year Reset)

CRP %

(Yearly Review)

BSP %

(3 Year Reset)

Effective EBLR

 %

PSB Scheme on Financing Food & Agro Processing Units

As per Table 'B'

 

PSB Scheme on Financing Rice Shellers

As per Table 'B'

 

PSB Scheme for Financing Agri- food Processing Units

As per Table 'B'

 

PM Formalization of Micro Food Processing Enterprises (PM FME) Scheme.

As per Table 'B'

 

PSB Agriculture Infrastructure Fund (PSB AIF) (Internal Rating 1 to 6)

As per Table 'B' (Interest rate to be capped at 9% for loan amount covered under interest subvention component)

 

PSB Animal Husbandry Infrastructure Development Fund (PSB AHID)

As per Table 'B'

 

PSB Scheme for financing Storage Infrastructure

 

As per Table 'B'

PSB Scheme for Setting up of Agri clinics / Agribusiness centers

As per Table 'B'

Scheme for extending financial assistance to project proponents for enhancement of ethanol distillation capacity or to set up distilleries for producing 1st generation (1G) ethanol from feed stocks

As per Table 'B'

Scheme for financing Micro-Finance Institutions (MFIs)

                                                       As per Table 'B'

STAND UP INDIA

As per Table 'B'

DAY NRLM (For MSME)

As per Table 'B'

DAY NULM (For MSME)

As per Table 'B'

PMEGP(For MSME)

As per Table 'B'

Self-Employment Scheme for Rehabilitation of Manual
Scavengers (For MSME)

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'

PSB Scheme for financing Farmer Producer Organizations (FPOs) backed by Credit Guarantee Scheme for Farmer Producer Organizations (FPOs) Financing (CGSFPO)

As per Table 'B'

PSB Scheme for financing Start-Ups backed by Credit Guarantee Scheme for Start-Ups (CGSS)

As per Table 'B'

PSB Mortgage

Term Loan facilities   

(For MSME)

                             As per Table 'B'

Overdraft facilities       

(For MSME)

                            As per Table 'B'

PSB e-Pledge Loan

 

For Others (Borrowers other than Farmers)

6.50

1.95

0.29

0.26

9.00

PSB Krishak Mitra

Up to Rs.100 lakh

6.50

1.95

0.58

0.47

9.50

Above Rs.100 lakh

6.50

1.95

0.58

0.67

9.70

Vyapar Loan

Overdraft facilities

PSB Rating

1 & 2

6.50

1.95

0.49

0.76

9.70

PSB Rating

3 & 4

6.50

1.95

0.54

0.86

9.85

PSB Rating 5

6.50

1.95

0.59

0.91

9.95

PSB Rating

6 & 7

6.50

1.95

0.64

1.31

10.40

Working Capital Term Loan  facilities  repayable up to 5 years

PSB Rating

1 & 2

6.50

1.95

0.51

0.89

9.85

PSB Rating

3 & 4

6.50

1.95

0.56

0.94

9.95

PSB Rating 5

6.50

1.95

0.61

0.99

10.05

PSB Rating

6 & 7

6.50

1.95

0.66

1.34

10.45

Term Loan facilities repayable up to 10 years

PSB Rating

1 & 2

6.50

1.95

0.56

1.09

10.10

PSB Rating

3 & 4

6.50

1.95

0.61

1.14

10.20

PSB Rating 5

6.50

1.95

0.66

1.14

10.25

PSB Rating

6 & 7

6.50

1.95

0.71

1.34

10.50

PSB Liquid Plus Scheme

Overdraft facilities

PSB Rating

1 & 2

6.50

1.95

0.49

0.86

9.80

PSB Rating

3 & 4

6.50

1.95

0.54

0.96

9.95

PSB Rating 5

6.50

1.95

0.59

1.01

10.05

PSB Rating

6 & 7

6.50

1.95

0.64

1.41

10.50

Working Capital Term Loan facilities repayable up to 5 years

PSB Rating

1 & 2

6.50

1.95

0.51

0.99

9.95

PSB Rating

3 & 4

6.50

1.95

0.56

1.04

10.05

PSB Rating 5

6.50

1.95

0.61

1.09

10.15

PSB Rating

6 & 7

6.50

1.95

0.66

1.44

10.55

Term Loan facilities repayable up to 10 years

PSB Rating

1 & 2

6.50

1.95

0.56

1.19

10.20

PSB Rating

3 & 4

6.50

1.95

0.61

1.24

10.30

PSB Rating 5

6.50

1.95

0.66

1.24

10.35

PSB Rating

6 & 7

6.50

1.95

0.71

1.44

10.60

PSB Contractor Plus

Overdraft facilities

PSB Rating

1 & 2

6.50

1.95

0.49

0.86

9.80

PSB Rating

3 & 4

6.50

1.95

0.54

0.96

9.95

PSB Rating 5

6.50

1.95

0.59

1.01

10.05

PSB Rating

6 & 7

6.50

1.95

0.64

1.41

10.50

PSB Flexi Term Loan

PSB Rating

1 & 2

6.50

1.95

0.51

0.99

9.95

PSB Rating

3 & 4

6.50

1.95

0.56

1.04

10.05

PSB Rating 5

6.50

1.95

0.61

1.09

10.15

PSB Rating

6 & 7

6.50

1.95

0.66

1.44

10.55

Term Loan facilities repayable up to 10 years

PSB Rating

1 & 2

6.50

1.95

0.56

1.19

10.20

PSB Rating

3 & 4

6.50

1.95

0.61

1.24

10.30

PSB Rating 5

6.50

1.95

0.66

1.24

10.35

PSB Rating

6 & 7

6.50

1.95

0.71

1.44

10.60

Commercial Vehicle Loan

Upto Rs.10.00 Lakh

6.50

1.95

0.68

0.62

9.75

Above Rs.10.00 Lakh

As per Table 'B'

PSB-PM Svanidhi Scheme

6.50

1.95

0.49

3.06

12.00

PSB GST EASE LOAN

PSB Rating 1 & 2

6.50

1.95

0.27

0.78

9.50

PSB Rating 3 & 4

6.50

1.95

0.38

0.92

9.75

PSB Rating 5 & 6

6.50

1.95

1.00

1.05

10.50

PSB Rating 7

6.50

1.95

1.42

1.38

11.25

PSB Professional Assist

Maximum Rs 200 Lac

6.50

1.95

0.24

0.61

9.30

Doctor Special Scheme

Maximum Rs 500 Lac

6.50

1.95

0.24

0.61

9.30

Commercial Real Estate (MSME)

PSB Rating 1

6.50

1.95

0.24

2.31

11.00

PSB Rating 2

6.50

1.95

0.29

2.56

11.30

PSB Rating 3

6.50

1.95

0.30

2.75

11.50

PSB Rating 4

6.50

1.95

0.45

2.90

11.80

PSB Rating 5

6.50

1.95

0.58

3.07

12.10

PSB Rating 6

6.50

1.95

1.42

2.63

12.50

 

PSB Rating 7

6.50

1.95

5.01

0.54

14.00

PSB Lakhpati DIDI**

6.50

1.95

0.50

4.05

13.00

PSB Scheme for Financing MSME Cluster in Punjab Region**

As per Table B

PSB Scheme for Financing to Food and Agro based industries under MSME Clusters (ODOP)**

As per Table B

PSB Scheme for Equipment Financing (MSME/Agri Borrowers)**

As per Table B + 0.25%

PSB MSME Premium Scheme**

As per Table B - 0.25%

** All other conditions (like concession etc) to be followed in terms of respective product circular other than ROI

Scheme for Financing COVID Affected Sectors backed by Loan Guarantee Scheme for COVID Affected Sectors (LGSCAS) introduced by Government of India through Ministry of Finance, subject to change as per Government Guidelines issued from time to time(For MSME Accounts and other business accounts linked to EBLR).

 

 

Internal Rating

Repo

Markup (3 Year Reset) %

CRP (Yearly Review) in %

BSP (3 Year Reset) in %

Effective EBLR in %

Final Rate

1

6.50

1.95

0.24

0.00

8.70

ROI to be capped at 7.95

2

6.50

1.95

0.29

0.00

8.75

3

6.50

1.95

0.30

0.00

8.76

4

6.50

1.95

0.45

0.00

8.95

Above 4

6.50

1.95

0.45

0.00

8.95

 

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