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 |
Spread |
Effective EBLR % |
|
791 and above |
0.10 |
8.55 |
|
768-790 |
0.25 |
8.70 |
|
753-767 |
0.40 |
8.85 |
|
732-752 |
0.60 |
9.05 |
|
690-731 |
0.95 |
9.40 |
|
641-689* |
1.55 |
10.00 |
PSB Apna Ghar Sahaj & Gaurav:
|
CIBIL Credit Vision Score |
Spread |
Effective EBLR % |
|
791 and above |
0.05 |
8.50 |
|
768-790 |
0.20 |
8.65 |
|
753-767 |
0.35 |
8.80 |
|
732-752 |
0.55 |
9.00 |
|
690-731 |
0.90 |
9.35 |
|
641-689* |
1.40 |
9.85 |
*Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.
PSB Apna Ghar Top Up:
0.50% over and above applicable ROI for Housing Loan to be added in the BSP
Vehicle Loan Individual
PSB Apna Vahan
|
Product Information |
CIBIL Credit Vision Score |
Spread |
Effective EBLR % |
|---|---|---|---|
|
Four Wheeler Vehicle |
768-900 |
0.50 |
8.95 |
|
753-767 |
0.70 |
9.15 |
|
|
732-752 |
0.90 |
9.35 |
|
|
690-731 |
1.25 |
9.70 |
|
|
641-689* |
1.80 |
10.25 |
|
|
Two Wheeler Vehicle# |
768-900 |
3.85 |
12.30 |
|
753-767 |
4.00 |
12.45 |
|
|
732-752 |
4.20 |
12.65 |
|
|
690-731 |
4.55 |
13.00 |
|
|
641-689* |
5.05 |
13.50 |
|
|
Old Four Wheeler Vehicle |
768-900 |
2.55 |
11.00 |
|
753-767 |
2.75 |
11.20 |
|
|
732-752 |
3.05 |
11.50 |
|
|
690-731 |
3.35 |
11.80 |
|
|
641-689* |
4.05 |
12.50 |
Psb Apna Vahan Sugam:
|
Product |
CIBIL Credit Vision Score |
Spread |
Effective EBLR % |
|---|---|---|---|
|
New Four Wheeler |
768-900 |
0.45 |
8.90 |
|
753-767 |
0.65 |
9.10 |
|
|
732-752 |
0.85 |
9.30 |
|
|
690-731 |
1.20 |
9.65 |
|
|
641-689* |
1.75 |
10.20 |
|
|
New Two Wheeler |
768-900 |
3.05 |
11.50 |
|
753-767 |
3.25 |
11.70 |
|
|
732-752 |
3.55 |
12.00 |
|
|
690-731 |
3.85 |
12.30 |
|
|
641-689* |
4.05 |
12.50 |
*Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.
PSB E-Vahan Two Wheeler:
|
CIBIL Credit Vision Score |
Spread |
Effective EBLR % |
|
768-900 |
3.05 |
11.50 |
|
753-767 |
3.30 |
11.75 |
|
732-752 |
3.80 |
12.25 |
|
590-731 |
4.55 |
13.00 |
|
641-689 |
5.05 |
13.50 |
Psb E-Vahan/ Hybrid Car
|
Product |
CIBIL Credit Vision Score |
Spread |
Effective EBLR % |
|---|---|---|---|
|
New Four Wheeler |
768-900 |
0.40 |
8.85 |
|
753-767 |
0.60 |
9.05 |
|
|
732-752 |
0.80 |
9.25 |
|
|
690-731 |
1.15 |
9.60 |
|
|
641-689* |
1.70 |
10.15 |
*Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.
Vehicle Loan Non - Individual
Vehicle Loan to Non – Individual up to Rs. 10.00 Lakh
|
Product |
Spread |
Effective EBLR % |
|---|---|---|
|
New Four Wheeler |
0.80 |
9.25 |
|
Old Four Wheeler |
2.95 |
11.40 |
|
E- Vahan/ Hybrid Car |
0.55 |
9.00 |
Vehicle Loan to Non – Individual above Rs. 10.00 Lakh
|
Product |
Internal Rating |
Spread |
Effective EBLR % |
|
New Four Wheeler- Non Individual
|
1 |
0.50 |
8.95 |
|
2 |
0.70 |
9.15 |
|
|
3-4 |
0.90 |
9.35 |
|
|
5-6 |
1.10 |
9.55 |
|
|
7-8 |
1.80 |
10.25 |
|
|
Old Four Wheeler - Non Individual |
1 |
2.85 |
11.30 |
|
2 |
2.95 |
11.40 |
|
|
3-4 |
3.25 |
11.70 |
|
|
5-6 |
3.65 |
12.10 |
|
|
7-8 |
4.10 |
12.55 |
|
|
E- Vahan/ Hybrid Car |
1 |
0.45 |
8.90 |
|
2 |
0.55 |
9.00 |
|
|
3-4 |
0.85 |
9.30 |
|
|
5-6 |
1.25 |
9.70 |
|
|
7-8 |
1.85 |
10.30 |
PSB Personal Loan
|
PSB PERSONAL LOAN |
|
|
|
|
|
CIBIL Credit Vision Score |
Spread (%) |
Effective EBLR (%) |
|
i. i.Govt/ State Govt/ PSU/ Approved Educational Institure - Tie Up or if salary account with us |
825 and above |
2.80 |
11.25 |
|
768-824 |
3.15 |
11.60 |
|
|
753-767,-1, 3, 4, 5 |
3.50 |
11.95 |
|
|
732-752 |
3.70 |
12.15 |
|
|
690-731 |
4.05 |
12.50 |
|
|
641-689* |
4.60 |
13.05 |
|
|
ii. Govt/ Government PSU/ Pensioners/ Approved Educational Institute |
825 and above |
2.80 |
11.25 |
|
768-824 |
3.15 |
11.60 |
|
|
753-767,-1, 3, 4, 5 |
3.50 |
11.95 |
|
|
732-752 |
3.70 |
12.15 |
|
|
690-731 |
4.05 |
12.50 |
|
|
641-689* |
4.60 |
13.05 |
|
|
iii. Private Employee/ MNC |
825 and above |
3.70 |
12.15 |
|
768-824 |
3.75 |
12.20 |
|
|
753-767,-1, 3, 4, 5 |
3.95 |
12.40 |
|
|
732-752 |
4.25 |
12.70 |
|
|
690-731 |
5.05 |
13.50 |
|
|
641-689* |
5.55 |
14.00 |
|
|
PAPL |
|
3.55 |
12.00 |
*Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.
PSB Sukhmoney (Reverse Mortgage Loan Scheme)
|
Product |
CIBIL Credit Vision Score |
Spread |
Effective EBLR % |
|---|---|---|---|
|
Up to Rs.20 lakh |
825 and above |
1.80 |
10.25 |
|
768-824 |
2.30 |
10.75 |
|
|
753-767 |
2.40 |
10.85 |
|
|
732-752 |
2.60 |
11.05 |
|
|
690-731 |
2.95 |
11.40 |
|
|
641-689* |
3.65 |
12.10 |
|
|
Above Rs.20 lakh |
825 and above |
2.05 |
10.50 |
|
768-824 |
2.80 |
11.25 |
|
|
753-767 |
2.90 |
11.35 |
|
|
732-752 |
3.10 |
11.55 |
|
|
690-731 |
3.45 |
11.90 |
|
|
641-689* |
4.15 |
12.60 |
PSB Mortgage - Term Loan Facilities (for Personal Use)
|
CIBIL Credit Vision Score |
Spread |
Effective EBLR % |
|
768-900 |
1.60 |
10.05 |
|
753-767 |
1.70 |
10.15 |
|
732-752 |
1.90 |
10.35 |
|
690-731 |
2.50 |
10.95 |
|
641-689* |
2.85 |
11.30 |
PSB Rent for General Public
|
CIBIL Credit Vision Score |
Spread |
Effective EBLR % |
|
768-900 |
1.70 |
10.15 |
|
753-767 |
1.80 |
10.25 |
|
732-752 |
2.00 |
10.45 |
|
690-731 |
2.35 |
10.80 |
|
641-689* |
2.80 |
11.25 |
*Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.
PSB Rent for Landlords of Our Bank Premises
|
Spread |
Effective EBLR % |
|
0.55 |
9.00 |
PSB Rent for Non-Individual Customer
|
PSB RENT for Non-Individual Customer |
||
|
Loan up to Rs.10 lakh |
||
|
Product |
Spread |
Effective EBLR % |
|
Loan up to Rs.10 lakh |
1.70 |
10.15 |
|
Loan Above Rs.10 lakh |
||
|
Internal Rating |
Spread |
Effective EBLR % |
|
1 |
1.60 |
10.05 |
|
2 |
1.70 |
10.15 |
|
3-4 |
1.90 |
10.35 |
|
5-6 |
2.25 |
10.70 |
|
7-8 |
3.35 |
11.80 |
|
|
Education Loan
|
|
|||
|
|
Product Information |
Spread |
Effective EBLR % |
||
|
IBA Model Education Loan Scheme |
Loan up to Rs.4.00 Lakh |
2.80 |
11.25 |
||
|
Loan Above Rs.4 lakh & up to Rs.7.50 Lakh |
2.10 |
10.55 |
|||
|
Above Rs.7.50 Lakh |
1.85 |
10.30 |
|||
|
IBA Skill Loan |
Loan up to Rs. 1.50 Lakh |
2.80 |
11.25 |
||
|
EDUCATION LOAN COVERED UNDER CGFSEL/ CGFSSD UP TO Rs.7.50 Lakh |
|||
|
|
Product Information |
Spread |
Effective EBLR % |
|
IBA Model Education Loan Scheme |
Loan up to Rs.4.00 Lakh |
2.00 |
10.45 |
|
Loan Above Rs.4 lakh & up to Rs.7.50 Lakh |
2.00 |
10.45 |
|
|
IBA Skill Loan |
Loan up to Rs. 1.50 Lakh |
1.50 |
9.95 |
PSB Excellence Education Loan
|
Category of Institute |
Spread |
Effective EBLR % |
|
AA |
0.30 |
8.75 |
|
A |
0.55 |
9.00 |
PSB GOLD LOAN (PSB Swarn Shakti & PSB Krishi Swarn Kanti)
|
PSB Gold Loan (PSB Krishi Swarn Kanti) |
||
|
Quantum of Finance |
Spread % |
Effective EBR % |
|
Need Based |
0.40 |
8.85 |
|
PSB Gold Loan (PSB Swarn Shakti) |
||
|
Quantum of Finance |
Spread% |
Effective EBLR % |
|
Up to Rs.5.00 Lakh |
0.90 |
9.35 |
|
Above Rs.5.00 lakh |
0.80 |
9.25 |
SB OD & Family Bonding
|
Spread |
Effective EBLR % |
|
1.30 |
9.75 |
Loans To Individuals Against Shares/ Debentures/ Bonds
|
|
Spread |
Effective EBLR % |
|
Shares/ debentures in Physical Form - General |
2.65 |
11.10 |
|
Shares/ debentures in Physical Form - For Blue Chip Co. |
2.65 |
11.10 |
|
Shares/ debentures in Demat Form- General |
2.65 |
11.10 |
|
Shares/ debentures in Demat Form - For Blue Chip Co. |
2.65 |
11.10 |
|
General Clean Loan/ Overdraft/ Clean Bills etc |
2.65 |
11.10 |
|
Finance to Intermediary Agency (excluding those of Housing) |
2.65 |
11.10 |
|
Finance to Housing Intermediary Agency |
2.65 |
11.10 |
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 |
Spread % |
Effective EBLR % |
|
Up to 5 Lakh |
2.05 |
10.50 |
|
Above 5 Lakh to 10 lakh |
3.55 |
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 |
Spread % |
Effective EBLR % |
|
1 |
1.35 |
9.80 |
|
2 |
1.55 |
10.00 |
|
3 |
1.75 |
10.20 |
|
4 |
2.05 |
10.50 |
|
5 |
2.40 |
10.85 |
|
6 |
3.00 |
11.45 |
|
7 |
6.10 |
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 |
Spread % |
Effective EBLR % |
|
1 |
1.25 |
9.70 |
|
2 |
1.45 |
9.90 |
|
3 |
1.65 |
10.10 |
|
4 |
1.95 |
10.40 |
|
5 |
2.30 |
10.75 |
|
6 |
2.90 |
11.35 |
|
7 |
6.00 |
14.45 |
Funded Exposure above Rs.10 Crore
|
Internal Rating |
Spread % |
Effective EBLR % |
|
1 |
1.15 |
9.60 |
|
2 |
1.35 |
9.80 |
|
3 |
1.55 |
10.00 |
|
4 |
1.85 |
10.30 |
|
5 |
2.20 |
10.65 |
|
6 |
2.80 |
11.25 |
|
7 |
5.90 |
14.35 |
TABLE- ‘C’
ROI for Rupee Export Credit
Pre- Shipment Credit
|
Pre - Shipment Credit |
Internal Rating |
Spread |
Effective EBLR % |
|
|
Upto 270 Days |
1 |
1.20 |
9.65 |
|
|
2 |
1.25 |
9.70 |
|
|
|
3 |
1.30 |
9.75 |
|
|
|
4 |
1.40 |
9.85 |
|
|
|
5 |
1.55 |
10.00 |
|
|
|
6 |
2.40 |
10.85 |
|
|
|
7 |
5.95 |
14.40 |
|
|
|
Above 270 Days And Upto 360 Days |
Applicable Rate As Per Rating + 0.10 |
|||
|
Above 360 Days ( Applicable From The Date Of Advance) |
Applicable Rate As Per Rating + 0.60 |
|||
|
For Exporters Under Gold Card Scheme ( Upto 360 Days ) |
Applicable Rate As Per Rating |
|||
|
For Exporters Under Gold Card Scheme ( Beyond 360 Days ) ( Applicable From The Date Of Advance) |
Applicable Rate As Per Rating + 6.00 |
|||
|
If Advance Is Adjusted Out Funds From Own Sources ( Applicable From The Date Of Advance On Amount So Adjusted) |
Applicable Rate As Per Rating + 6.00 |
|||
|
Overdue Pre-Shipment Credit Upto 360 Day( For Overdue Period) |
Applicable Rate As Per Rating + 4.00 |
|||
Post- Shipment Credit
|
Post - Shipment Credit |
Internal Rating |
Spread |
Effective EBLR % |
||
|
On Demand Bill For Transit Period ( As Specified By Fedai) |
1 |
1.10 |
9.55 |
||
|
2 |
1.15 |
9.60 |
|||
|
3 |
1.20 |
9.65 |
|||
|
4 |
1.30 |
9.75 |
|||
|
5 |
1.45 |
9.90 |
|||
|
6 |
2.30 |
10.75 |
|||
|
7 |
5.85 |
14.30 |
|||
|
Usance Bill |
Upto 180 Days |
Applicable Rate As Per Rating + 0.10 |
|
||
|
Above 180 Days And Upto 360 Days |
Applicable Rate As Per Rating + 0.10 |
|
|||
|
Above 360 Days |
Applicable Rate As Per Rating + 0.60 |
|
|||
|
For Exporters Under Gold Card Scheme ( Upto 360 Days ) |
Applicable Rate As Per Rating |
|
|||
|
For Exporters Under Gold Card Scheme ( Beyond 360 Days ) ( Applicable From The Date Of Advance) |
Applicable Rate As Per Rating + 6.00 |
|
|||
|
Against Incentive Receivables From Govt.(Covered By Ecgc Upto 90 Days) |
|
2.90 |
11.35 |
|
|
|
Against Undrawn Balance ( Upto 90 Days) |
2.90 |
11.35 |
|
||
|
Against Retention Money (For Supplies Portion Only) |
2.90 |
11.35 |
|
||
|
If Advance Is Adjusted Out Funds From Own Sources |
Applicable Rate As Per Rating + 6.00 |
|
|||
|
Overdue Export Bills (Upto 360 Days) |
Applicable Rate As Per Rating + 4.00 |
|
|||
|
Deffred Credit(Beyond 180 Days)(For Overdue Period) |
Applicable Rate As Per Rating + 4.00 |
|
|||
EXPORT CREDIT NOT OTHERWISE SPECIFIED ( ECNOS)
|
Export Credit Not Otherwise Specified (ECNOS) |
|
|
Pre-Shipment Credit |
Applicable Rate As Per Rating + 6.00 |
|
Post-Shipment Credit |
Applicable Rate As Per Rating + 6.00 |
|
If Adjusted Out Of Rupee Funds Received From Ecgc Towards Settlement Of Claim |
Applicable Rate As Per Rating + 6.00 |
|
Where Export Does Not Take Place |
Applicable Rate As Per Rating + 4.00 |
TABLE ‘D’
Priority Sector (Agri/ MSME) Schemes
|
PRIORITY SECTOR (MSME) SCHEMES |
Product information |
Spread |
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- Seed 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 velopment Fund (PSB AHID) |
As per Table 'B'
|
|||||||||
|
PSB Scheme for financing Storage Infrastructure |
As per Table 'B' |
|||||||||
|
PSB Scheme for Setting up of Agriclinics / Agribusiness centers |
As per Table 'B' |
|||||||||
|
As per Table 'B' |
||||||||||
|
PSB Krishak Mitra |
Up to Rs.100 lakh |
1.05 |
9.50 |
|||||||
|
Above Rs.100 lakh |
1.25 |
9.70 |
||||||||
|
Vyapar Loan |
Overdraft facilities |
PSB Rating 1 & 2 |
1.25 |
9.70 |
||||||
|
PSB Rating 3 & 4 |
1.40 |
9.85 |
||||||||
|
PSB Rating 5 |
1.50 |
9.95 |
||||||||
|
PSB Rating 6 & 7 |
1.95 |
10.40 |
||||||||
|
Working Capital Term Loan facilities repayable up to 5 years |
PSB Rating 1 & 2 |
1.40 |
9.85 |
|||||||
|
PSB Rating 3 & 4 |
1.50 |
9.95 |
||||||||
|
PSB Rating 5 |
1.60 |
10.05 |
||||||||
|
PSB Rating 6 & 7 |
2.00 |
10.45 |
||||||||
|
Term Loan facilities repayable up to 10 years |
PSB Rating 1 & 2 |
1.65 |
10.10 |
|||||||
|
PSB Rating 3 & 4 |
1.75 |
10.20 |
||||||||
|
PSB Rating 5 |
1.80 |
10.25 |
||||||||
|
PSB Rating 6 & 7 |
2.05 |
10.50 |
||||||||
|
PSB Liquid Plus Sche me |
Overdraft facilities |
PSB Rating 1 & 2 |
1.35 |
9.80 |
||||||
|
PSB Rating 3 & 4 |
1.50 |
9.95 |
||||||||
|
PSB Rating 5 |
1.60 |
10.05 |
||||||||
|
PSB Rating 6 & 7 |
2.05 |
10.50 |
||||||||
|
Working Capital Term Loan facilities repayable up to 5 years |
PSB Rating 1 & 2 |
1.50 |
9.95 |
|||||||
|
PSB Rating 3 & 4 |
1.60 |
10.05 |
||||||||
|
PSB Rating 5 |
1.70 |
10.15 |
||||||||
|
PSB Rating 6 & 7 |
2.10 |
10.55 |
||||||||
|
Term Loan facilities repayable up to 10 years |
PSB Rating 1 &2 |
1.75 |
10.20 |
|||||||
|
PSB Rating 3 &4 |
1.85 |
10.30 |
||||||||
|
PSB Rating 5 |
1.90 |
10.35 |
||||||||
|
PSB Rating 6 &7 |
2.15 |
10.60 |
||||||||
|
PSB Contractor Plus |
Overdraft facilities |
PSB Rating 1 &2 |
1.35 |
9.80 |
||||||
|
PSB Rating 3 &4 |
1.50 |
9.95 |
||||||||
|
PSB Rating 5 |
1.60 |
10.05 |
||||||||
|
PSB Rating 6 &7 |
2.05 |
10.50 |
||||||||
|
PSB Flexi Term Loan |
PSB Rating 1 &2 |
1.50 |
9.95 |
|||||||
|
PSB Rating 3 &4 |
1.60 |
10.05 |
||||||||
|
PSB Rating 5 |
1.70 |
10.15 |
||||||||
|
PSB Rating 6 &7 |
2.10 |
10.55 |
||||||||
|
Term Loan facilities repayable up to 10 years |
PSB Rating 1 &2 |
1.75 |
10.20 |
|||||||
|
PSB Rating 3 &4 |
1.85 |
10.30 |
||||||||
|
PSB Rating 5 |
1.90 |
10.35 |
||||||||
|
PSB Rating 6 &7 |
2.15 |
10.60 |
||||||||
|
Commercial Vehicle Loan |
Upto Rs.10.00 Lakh |
1.30 |
9.75 |
|||||||
|
Above Rs.10.00 Lakh |
As per Table 'B' |
|||||||||
|
PSB Guaranteed Emergency Credit Line(PSB GECL) for Business Enterprises Scheme code-ECLTL GL |
0.80 |
9.25 |
||||||||
|
PSB-PM Svanidhi Scheme |
5.50 |
12.00 |
||||||||
|
PSB-CGSSD |
1.15 |
9.60 |
||||||||
|
Scheme for Financing Covid Affected Tourism Service Sectors backed by Loan Guarantee Scheme for Covid Affected Tourism Service Sectors Sectors (LGSCATSS) |
0.85 |
9.30 |
||||||||
|
PSB GST EASE LOAN |
Rs 10 Lac to Rs 500 Lac |
PSB Rating 1 &2 |
1.05 |
9.50 |
||||||
|
PSB Rating 3 &4 |
1.30 |
9.75 |
||||||||
|
PSB Rating 5 &6 |
2.05 |
10.50 |
||||||||
|
PSB Rating 7 |
2.80 |
11.25 |
||||||||
|
PSB PROFESSIONAL ASSIST |
Maximum Rs 200 Lac |
0.85 |
9.30 |
|||||||
|
Doctor Special Scheme |
Maximum Rs 500 Lac |
0.85 |
9.30 |
|||||||
|
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) |
0.55 |
9.00 |
|||||||
|
Scheme for financing Micro-Finance Institutions (MFIs) |
As per Table 'B' |
|||||||||
|
PSB Scheme for financing of E-Rickshaws (ECO-RIDE Scheme) |
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-Upsbacked by Credit Guarantee Scheme for Start-Ups (CGSS) |
As per Table 'B' |
|||||||||
|
Commercial Real Estate (MSME) |
PSB Rating 1 |
2.55 |
11.00 |
|||||||
|
PSB Rating 2 |
2.85 |
11.30 |
||||||||
|
PSB Rating 3 |
3.05 |
11.50 |
||||||||
|
PSB Rating 4 |
3.35 |
11.80 |
||||||||
|
PSB Rating 5 |
3.65 |
12.10 |
||||||||
|
PSB Rating 6 |
4.05 |
12.50 |
||||||||
|
|
PSB Rating 7 |
5.55 |
14.00 |
|||||||
|
PSB Lakhpati DIDI** |
4.55 |
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% |
|||||||||
|
PSB AAROGYAM |
Loan up to Rs. 2 Cr |
0.85 |
9.30 |
|||||||
|
Loan above Rs 2 Cr |
1.05 |
9.50 |
||||||||
|
If Guarantee Scheme on the line of ECLGS is available |
1.25 |
9.70 |
||||||||
|
PSB SANJEEVANI |
If Guarantee Scheme on the line of ECLGS is available |
0.85 |
9.30 |
|||||||
|
If covered under CGTMSE |
1.35 |
9.80 |
||||||||
|
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 |
Spread |
Effective EBLR in % |
Final Rate |
||||||
|
1 |
0.24 |
8.70 |
ROI to be capped at 7.95 |
|||||||
|
2 |
0.29 |
8.75 |
||||||||
|
3 |
0.30 |
8.76 |
||||||||
|
4 |
0.45 |
8.95 |
||||||||
|
Above 4 |
0.45 |
8.95 |
||||||||
