• A- A A+

PRLR

PSB Repo Linked Rate (PRLR): 7.94% (Repo: 5.90 + Markup: 2.04) w.e.f. 01-10-2022

Effective EBLR: PRLR + Spread

Housing Loan

PSB Apna Ghar & Kisan Home Loan

CIBIL Credit Vision Score

Spread (%)

Effective EBLR %

768-900

0.41

8.35

753-767

0.51

8.45

732-752

0.71

8.65

690-731 or -1,3,4,5

1.06

9.00

641-689*

1.41

9.35

 

PSB Apna Ghar Sahaj & Gaurav:

CIBIL Credit Vision Score

Spread (%)

Effective EBLR %

768-900

0.31

8.25

753-767

0.41

8.35

732-752

0.61

8.55

690-731 or -1,3,4,5

0.96

8.90

641-689*

1.31

9.25

 

PSB Apna Ghar Top Up:

CIBIL Credit Vision Score

Spread (%)

Effective EBLR %

768-900

0.76

8.70

753-767

0.86

8.80

732-752

1.06

9.00

690-731 or -1,3,4,5

1.41

9.35

641-689*

1.86

9.80

* Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.

PSB Apna Vahan

Four Wheeler Vehicle

CIBIL Credit Vision Score

Spread (%)

Effective EBLR %

768-900

0.51

8.45

753-767

0.61

8.55

732-752

0.81

8.75

690-731 or -1,3,4,5

1.16

9.10

641-689*

1.51

9.45

Two Wheeler Vehicle

768-900

3.76

11.70

753-767

3.86

11.80

732-752

4.06

12.00

690-731 or -1,3,4,5

4.41

12.35

641-689*

4.86

12.80

Old Four Wheeler Vehicle

768-900

2.56

10.50

753-767

2.66

10.60

732-752

2.86

10.80

690-731 or -1,3,4,5

3.21

11.15

641-689*

3.66

11.60

 

PSB APNA VAHAN SUGAM:

Product

CIBIL Credit Vision Score

Spread (%)

Effective EBLR %

New Four Wheeler

768-900

0.46

8.40

753-767

0.56

8.50

732-752

0.76

8.70

690-731 or -1,3,4,5

1.11

9.05

641-689*

1.46

9.40

New Two Wheeler

768-900

2.76

10.70

753-767

2.86

10.80

732-752

3.06

11.00

690-731 or -1,3,4,5

3.41

11.35

641-689*

3.86

11.80

 

PSB E-VAHAN

Product

CIBIL Credit Vision Score

Spread (%)

Effective EBLR %

New Four Wheeler -Individual

768-900

0.46

8.40

753-767

0.56

8.50

732-752

0.76

8.70

690-731 or -1,3,4,5

1.11

9.05

641-689*

1.56

9.50

New Four Wheeler -Non-Individual #

1 or AAA

0.46

8.40

2 or AA

0.56

8.50

3-4 or A

0.76

8.70

5-6 or BBB

1.11

9.05

BB and Below

1.56

9.50

 

PSB APNA VAHAN FOR OTHER THAN INDIVIDUAL

For New Four Wheeler

Commercial CIBIL RANK / External Rating#

Spread (%)

Effective EBLR %

1 or AAA

0.51

8.45

2 or AA

0.61

8.55

3-4 or A

0.81

8.75

5-6 or BBB

1.16

9.10

BB and below

1.51

9.45

For Old Four Wheeler

1 or AAA

2.81

10.75

2 or AA

2.91

10.85

3-4 or A

3.11

11.05

5-6 or BBB

3.46

11.40

BB and below

3.91

11.85

 

# External Credit Rating is applicable for determining the pricing of loan in case both Commercial CIBIL Rank and External Rating are available.

 

PSB Personal Loan

 

CIBIL Credit Vision Score

Spread (%)

Effective EBLR %

Government PSU/ Pensioners/ Approved Educational Institute

768-900

2.61

10.55

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

2.71

10.65

732-752

2.91

10.85

690-731

3.26

11.20

641-689*

3.71

11.65

Private Employee/ MNC

768-900

3.11

11.05

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

3.21

11.15

732-752

3.41

11.35

690-731

3.76

11.70

641-689*

4.21

12.15

 

PSB Sukhmoney (Reverse Mortgage Loan Scheme)

   

 

CIBIL Credit Vision Score

Spread (%)

Effective EBLR %

Up to Rs.20 lakh

768-900

2.21

10.15

753-767

2.31

10.25

732-752

2.51

10.45

690-731 or -1,3,4,5

2.86

10.80

641-689*

3.56

11.50

Above Rs.20 lakh

768-900

2.71

10.65

753-767

2.81

10.75

732-752

3.01

10.95

690-731 or -1,3,4,5

3.36

11.30

641-689*

4.06

12.00

 

PSB Mortgage - Term Loan Facilities (for Personal Use)

CIBIL Credit Vision Score

Spread (%)

Effective EBLR %

768-900

1.51

9.45

753-767

1.61

9.55

732-752

1.81

9.75

690-731 or -1,3,4,5

2.41

10.35

641-689*

2.76

10.70

 

PSB Rent for General Public

CIBIL Credit Vision Score

Spread (%)

Effective EBLR %

768-900

1.61

9.55

753-767

1.71

9.65

732-752

1.91

9.85

690-731 or -1,3,4,5

2.26

10.20

641-689*

2.71

10.65

 

PSB Rent for Landlords Of Our Bank Premises

Spread (%)

Effective EBLR %

1.06

9.00

 

PSB Rent for General Public

Commercial CIBIL Rank/ External Rating#

Spread (%)

Effective EBLR %

1 or AAA

1.51

9.45

2 or AA

1.61

9.55

3-4 or A

1.81

9.75

5-6 or BBB

2.16

10.10

# External Credit Rating is applicable for determining the pricing of loan in case both Commercial CIBIL Rank and External Rating are available.

 

Education Loan

Product Information

 

Spread (%)

Effective EBLR %

IBA Model Education Loan Scheme

Loan up to Rs.4.00 Lakh

3.06

11.00

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

2.01

9.95

Above Rs.7.50 Lakh

0.76

8.70

IBA Skill Loan

Loan up to Rs. 1.50 Lakh

3.06

11.00

 

PSB Excellence Education Loan

Category of Institute

Spread (%)

Effective EBLR %

AA

0.56

8.50

A

0.76

8.70

 

PSB GOLD LOAN (PSB Swarn Shakti & PSB Krishi Swarn Kanti)

Spread (%)

Effective EBLR %

0.31

8.25

 

SB OD & Family Bonding

Spread (%)

Effective EBLR %

2.31

10.25

 

 

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

Spread (%)

Effective EBLR %

Up to 5 Lakh

0.96

8.90

Above 5 Lakh to 10 lakh

1.81

9.75

 

Funded Exposure above Rs.10 Lakh (Collateral 100% & Above)

Internal Rating

Spread (%)

Effective EBLR %

1

0.51

8.45

2

0.56

8.50

3

0.61

8.55

4

0.71

8.65

5

0.86

8.80

6

1.96

9.90

7

5.51

13.45

1.      Additional Business Strategy Premium (BSP) to load over and above the BSP mentioned in table above based on collateral coverage below 100% as under:

   
         

Collateral Coverage

>=75% to <100%

>=50% to <75%

>=25% to <50%

<25%

Additional premium in BSP

5 bps

10 bps

15 bps

20 bps

         

2.      Loans covered under CGTMSE/CGFMU/Government Guaranteed/Hybrid Model loans etc. having coverage of claim  less than 100%, shall be considered under “>=50% to <75%” collaterally secured category and hence additional BSP of 10 bps shall be loaded.

3.      Loans covered under any Government Guarantee Scheme which covers 100% exposure shall be considered as 100% collaterally secured.

PRIORITY SECTOR (MSME) SCHEMES

Product information

Spread (%)

Effective EBLR %

PSB Krishak Mitra*

Up to Rs.100 lakh

1.11

9.05

Above Rs.100 lakh

1.36

9.30

Vyapar Loan*

Overdraft facilities

0.76

8.70

Working Capital Term Loan facilities repayable up to 5 years

0.96

8.90

Term Loan facilities repayable up to 10 years

1.16

9.10

PSB Liquid Plus Scheme*

Overdraft facilities

0.76

8.70

Working Capital Term Loan facilities repayable up to 5 years

0.96

8.90

Term Loan facilities repayable up to 10 years

1.16

9.10

Commercial Vehicle Loan*

Upto Rs.10.00 Lakh

1.21

9.15

 

Above Rs.10.00 Lakh

As per Table 'B'

PSB Contractor Plus*

Overdraft facilities

0.76

8.70

PSB Flexi Term Loan

0.96

8.90

Term Loan facilities repayable up to 10 years

1.16

9.10

PSB Guaranteed Emergency Credit Line(PSB GECL) for Business Enterprises Scheme code-ECLTL GL

 

0.76

8.70

 

PSB-PM Svanidhi Scheme

3.06

11.00

PSB-CGSSD

 

1.06

9.00

PSB AAROGYAM

Loan up to Rs. 2 Cr

0.76

8.70

Loan above Rs 2 Cr

0.96

8.90

If Guarantee Scheme on the line of ECLGS is available

1.16

9.10

PSB SANJEEVANI

If Guarantee Scheme on the line of ECLGS is available

0.76

8.70

If covered under CGTMSE

1.26

9.20

Scheme for Financing Covid Affected Tourism Service Sectors backed by Loan Guarantee Scheme for Covid Affected Tourism Service Sectors Sectors (LGSCATSS)

0.76

8.70

PSB GST EASE LOAN

Rs 10 Lac to Rs 200 Lac

0.76

8.70

PSB PROFESSIONAL ASSIST

Maximum Rs 200 Lac

0.76

8.70

PRIORITY SECTOR (MSME) SCHEMES

Product information

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 Development Fund (PSB AHID)

As per Table 'B'

PSB Scheme for financing Storage Infrastructure

As per Table 'B'

PSB e-Pledge Loan

For Others (Borrowers other than Farmers)

As per Table 'B'

PSB Scheme for Setting up of Agriclinics / 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'

PSB Mortgage

Term Loan facilities   

As per Table 'B'

(For MSME)

Overdraft facilities       

As per Table 'B'

(For MSME)

Scheme for financing Micro-Finance Institutions (MFIs)

As per Table 'B'

PSB Scheme for financing of E-Rickshaws

As per Table 'B'

(ECO-RIDE Scheme)

As per Table 'B'

STAND UP INDIA

As per Table 'B'

As per Table 'B'

DAY NRLM (For MSME)

As per Table 'B'

As per Table 'B'

DAY NULM (For MSME)

As per Table 'B'

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'

 

TABLE- ‘C’

ROI for Rupee Export Credit

Pre- Shipment Credit

Pre - Shipment Credit

Internal Rating

Spread (%)

Effective EBLR  %

Upto 270 Days

1

1.11

9.05

2

1.16

9.10

3

1.21

9.15

4

1.31

9.25

5

1.46

9.40

6

2.31

10.25

7

5.86

13.80

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 Rate As Per Rating  + 6.00

( Applicable From The Date Of Advance On Amount So Adjusted)

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

1.01

8.95

2

1.06

9.00

3

1.11

9.05

4

1.21

9.15

5

1.36

9.30

6

2.21

10.15

7

5.76

13.70

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)

 

2.81

10.75

Against Undrawn Balance ( Upto 90 Days)

 

2.81

10.75

Against Retention Money (For Supplies Portion Only)

 

2.81

10.75

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

 

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