PSB Repo Linked Rate (PRLR): 8.30% (Repo:6.25% w.e.f.08.02.2025, Mark up: 2.05%) w.e.f.05.04.2025
Effective EBLR ROI for following products w.e.f 05.04.2025
TABLE ‘A’
External Benchmark Linked Lending Rate (EBLR) for Retail Product
PSB Apna Ghar & Kisan Home Loan
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
791 and above
|
8.30
|
0.10
|
8.40
|
|
768-790
|
8.30
|
0.25
|
8.55
|
|
753-767
|
8.30
|
0.40
|
8.70
|
|
732-752
|
8.30
|
0.60
|
8.90
|
|
700-731
|
8.30
|
0.95
|
9.25
|
|
650-699*
|
8.30
|
1.70
|
10.00
|
|
649 & Below#
|
8.30
|
3.20
|
11.50
|
PSB Apna Ghar Sahaj & Apna Ghar Gaurav (Part-A):
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
791 and above
|
8.30
|
0.05
|
8.35
|
|
768-790
|
8.30
|
0.20
|
8.50
|
|
753-767
|
8.30
|
0.35
|
8.65
|
|
732-752
|
8.30
|
0.55
|
8.85
|
|
700-731
|
8.30
|
0.90
|
9.20
|
|
650-699*
|
8.30
|
1.55
|
9.85
|
|
649 & Below#
|
8.30
|
3.05
|
11.35
|
PSB Apna Ghar Gaurav (Part-B):
For Salary account holder of Serving (including cadets from Pre Commissioned Training Academy) Defense Personnel and Pension account holders (upto age -70 years).
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
791 and above
|
8.30
|
0.00
|
8.30
|
|
768-790
|
8.30
|
0.20
|
8.50
|
|
753-767
|
8.30
|
0.35
|
8.65
|
|
732-752
|
8.30
|
0.55
|
8.85
|
|
700-731
|
8.30
|
0.85
|
9.15
|
PSB E Apna Ghar (Digital Mode –STP only):
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
791 and above
|
8.30
|
0.05
|
8.35
|
|
768-790
|
8.30
|
0.20
|
8.50
|
|
753-767
|
8.30
|
0.30
|
8.60
|
|
732-752
|
8.30
|
0.50
|
8.80
|
|
700-731
|
8.30
|
0.85
|
9.15
|
Home Loan scheme for EWS, LIG, MIG in Urban areas:
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
791 and above
|
8.30
|
0.55
|
8.85
|
|
768-790
|
8.30
|
0.80
|
9.10
|
|
753-767
|
8.30
|
1.05
|
9.35
|
|
732-752
|
8.30
|
1.25
|
9.55
|
|
700-731
|
8.30
|
1.55
|
9.85
|
|
650-699*
|
8.30
|
2.20
|
10.50
|
|
649 & Below#
|
8.30
|
2.70
|
11.00
|
PSB Apna Ghar Top Up:
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR
%
|
|
791 and above
|
1.00% over and above applicable ROI for Housing Loan to be added in the Spread.
|
|
768-790
|
|
753-767
|
|
732-752
|
|
700-731
|
|
650-699*
|
|
649 & Below#
|
Vehicle Loan Individual
PSB Apna Vahan
|
Product Information
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
Four Wheeler Vehicle
|
791 and above
|
8.30
|
0.45
|
8.75
|
|
|
768-790
|
8.30
|
0.50
|
8.80
|
|
|
753-767
|
8.30
|
0.70
|
9.00
|
|
|
732-752
|
8.30
|
0.90
|
9.20
|
|
|
700-731
|
8.30
|
1.25
|
9.55
|
|
|
650-699*
|
8.30
|
1.95
|
10.25
|
|
|
649 & Below#
|
8.30
|
6.70
|
15.00
|
|
|
Two Wheeler Vehicle
|
791 and above
|
8.30
|
3.75
|
12.05
|
|
|
768-790
|
8.30
|
3.85
|
12.15
|
|
|
753-767
|
8.30
|
4.00
|
12.30
|
|
|
732-752
|
8.30
|
4.20
|
12.50
|
|
|
700-731
|
8.30
|
4.55
|
12.85
|
|
|
650-699*
|
8.30
|
5.55
|
13.85
|
|
|
649 & Below#
|
8.30
|
8.05
|
16.35
|
|
|
Old Four Wheeler Vehicle
|
791 and above
|
8.30
|
2.45
|
10.75
|
|
|
768-790
|
8.30
|
2.55
|
10.85
|
|
|
753-767
|
8.30
|
2.75
|
11.05
|
|
|
732-752
|
8.30
|
3.05
|
11.35
|
|
|
700-731
|
8.30
|
3.35
|
11.65
|
|
|
650-699*
|
8.30
|
4.45
|
12.75
|
|
|
649 & Below#
|
8.30
|
8.70
|
17.00
|
|
PSB E Apna Vahan (Digital Mode –STP only)
|
Product Information
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
Four Wheeler Vehicle
|
791 and above
|
8.30
|
0.35
|
8.65
|
|
|
768-790
|
8.30
|
0.40
|
8.70
|
|
|
753-767
|
8.30
|
0.60
|
8.90
|
|
|
732-752
|
8.30
|
0.80
|
9.10
|
|
|
700-731
|
8.30
|
1.15
|
9.45
|
|
|
Two Wheeler Vehicle
|
791 and above
|
8.30
|
3.70
|
12.00
|
|
|
768-790
|
8.30
|
3.75
|
12.05
|
|
|
753-767
|
8.30
|
3.90
|
12.20
|
|
|
732-752
|
8.30
|
4.10
|
12.40
|
|
|
700-731
|
8.30
|
4.45
|
12.75
|
|
PSB Apna Vahan Sugam:
|
Product
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
New Four Wheeler
|
791 and above
|
8.30
|
0.40
|
8.70
|
|
|
768-790
|
8.30
|
0.45
|
8.75
|
|
|
753-767
|
8.30
|
0.65
|
8.95
|
|
|
732-752
|
8.30
|
0.85
|
9.15
|
|
|
700-731
|
8.30
|
1.20
|
9.50
|
|
|
650-699*
|
8.30
|
1.90
|
10.20
|
|
|
649 & Below#
|
8.30
|
6.50
|
14.80
|
|
|
New Two Wheeler
|
791 and above
|
8.30
|
3.00
|
11.30
|
|
|
768-790
|
8.30
|
3.05
|
11.35
|
|
|
753-767
|
8.30
|
3.25
|
11.55
|
|
|
732-752
|
8.30
|
3.55
|
11.85
|
|
|
700-731
|
8.30
|
3.85
|
12.15
|
|
|
650-699*
|
8.30
|
4.20
|
12.50
|
|
|
649 & Below#
|
8.30
|
8.45
|
16.75
|
|
PSB Gativeer- Vehicle Loan
New Four Wheeler/ Two Wheeler (all variants)/ Two Wheeler for Agniveers
|
Product
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
New Four Wheeler
|
791 and above
|
8.30
|
0.20
|
8.50
|
|
|
768-790
|
8.30
|
0.20
|
8.50
|
|
|
753-767
|
8.30
|
0.40
|
8.70
|
|
|
732-752
|
8.30
|
0.65
|
8.95
|
|
|
700-731
|
8.30
|
1.05
|
9.35
|
|
|
New Two Wheeler
|
791 and above
|
8.30
|
2.70
|
11.00
|
|
|
768-790
|
8.30
|
2.70
|
11.00
|
|
|
753-767
|
8.30
|
2.90
|
11.20
|
|
|
732-752
|
8.30
|
3.20
|
11.50
|
|
|
700-731
|
8.30
|
3.50
|
11.80
|
|
|
Old Four Wheeler
|
791 and above
|
8.30
|
2.45
|
10.75
|
|
|
768-790
|
8.30
|
2.45
|
10.75
|
|
|
753-767
|
8.30
|
2.65
|
10.95
|
|
|
732-752
|
8.30
|
2.95
|
11.25
|
|
|
700-731
|
8.30
|
3.25
|
11.55
|
|
PSB E-Vahan Two Wheeler (Electric)
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
791 and above
|
8.30
|
3.00
|
11.30
|
|
|
768-790
|
8.30
|
3.05
|
11.35
|
|
|
753-767
|
8.30
|
3.30
|
11.60
|
|
|
732-752
|
8.30
|
3.80
|
12.10
|
|
|
700-731
|
8.30
|
4.55
|
12.85
|
|
|
650-699*
|
8.30
|
5.20
|
13.50
|
|
|
649 & Below#
|
8.30
|
8.45
|
16.75
|
|
PSB E-Vahan **/ Hybrid Car (Electric)
|
Product
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
New Four Wheeler
|
791 and above
|
8.30
|
0.35
|
8.65
|
|
|
768-790
|
8.30
|
0.40
|
8.70
|
|
|
753-767
|
8.30
|
0.60
|
8.90
|
|
|
732-752
|
8.30
|
0.80
|
9.10
|
|
|
700-731
|
8.30
|
1.15
|
9.45
|
|
|
650-699*
|
8.30
|
1.85
|
10.15
|
|
|
649 & Below#
|
8.30
|
6.30
|
14.60
|
|
Vehicle Loan Non – Individual
Vehicle Loan to Non – Individual up to Rs.10.00 Lakh
|
Product
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
New Four Wheeler
|
8.30
|
0.80
|
9.10
|
|
|
Old Four Wheeler
|
8.30
|
2.95
|
11.25
|
|
|
E- Vahan/ Hybrid Car
|
8.30
|
0.55
|
8.85
|
|
Vehicle Loan to Non – Individual above Rs.10.00 Lakh
|
Product
|
Internal Rating
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
New Four Wheeler- Non Individual
|
1
|
8.30
|
0.50
|
8.80
|
|
|
2
|
8.30
|
0.70
|
9.00
|
|
|
3 & 4
|
8.30
|
0.90
|
9.20
|
|
|
5 & 6
|
8.30
|
1.25
|
9.55
|
|
|
7 and Below
|
8.30
|
3.55
|
11.85
|
|
|
Old Four Wheeler - Non Individual
|
1
|
8.30
|
2.85
|
11.15
|
|
|
2
|
8.30
|
2.95
|
11.25
|
|
|
3 & 4
|
8.30
|
3.25
|
11.55
|
|
|
5 & 6
|
8.30
|
3.80
|
12.10
|
|
|
7 and Below
|
8.30
|
4.80
|
13.10
|
|
|
E- Vahan/ Hybrid Car
|
1
|
8.30
|
0.45
|
8.75
|
|
|
2
|
8.30
|
0.55
|
8.85
|
|
|
3 & 4
|
8.30
|
0.85
|
9.15
|
|
|
5 & 6
|
8.30
|
1.40
|
9.70
|
|
|
7 and Below
|
8.30
|
2.75
|
11.05
|
|
PSB Personal Loan
|
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
i.Govt/ State Govt/ PSU/ Pensioner/Staff/Ex-staff
|
825 and above
|
8.30
|
2.80
|
11.10
|
|
|
768-824
|
8.30
|
3.30
|
11.60
|
|
|
753-767
|
8.30
|
3.60
|
11.90
|
|
|
732-752
|
8.30
|
3.70
|
12.00
|
|
|
700-731
|
8.30
|
4.05
|
12.35
|
|
|
650-699*
|
8.30
|
4.75
|
13.05
|
|
|
649 & Below#
|
8.30
|
4.75
|
13.05
|
|
|
ii. Private Employee/ MNC/Approved institute if salary account with us
|
825 and above
|
8.30
|
3.70
|
12.00
|
|
|
768-824
|
8.30
|
3.90
|
12.20
|
|
|
753-767
|
8.30
|
4.05
|
12.35
|
|
|
732-752
|
8.30
|
4.25
|
12.55
|
|
|
700-731
|
8.30
|
5.05
|
13.35
|
|
|
650-699*
|
8.30
|
5.35
|
13.65
|
|
|
PAPL
|
|
8.30
|
3.55
|
11.85
|
|
PSB Veer Samarth - Personal Loan
|
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
Personal Loan
|
825 and above
|
8.30
|
2.30
|
10.60
|
|
|
768-824
|
8.30
|
2.65
|
10.95
|
|
|
753-767
|
8.30
|
3.00
|
11.30
|
|
|
732-752
|
8.30
|
3.20
|
11.50
|
|
|
700-731
|
8.30
|
3.55
|
11.85
|
|
Education Loan
|
|
Product Information
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
IBA Model Education Loan Scheme
|
Loan up to Rs.4.00 Lakh
|
8.30
|
2.80
|
11.10
|
|
|
Loan Above Rs.4 lakh & up to Rs.7.50 Lakh
|
8.30
|
2.10
|
10.40
|
|
|
Above Rs.7.50 Lakh
|
8.30
|
1.85
|
10.15
|
|
EDUCATION LOAN COVERED UNDER CGFSEL/ CGFSSD UP TO Rs.7.50 Lakh
|
|
Product Information
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
IBA Model Education Loan Scheme
|
Loan up to Rs.7.50 Lakh
|
8.3
|
2
|
10.3
|
|
|
IBA Skill Loan
|
Loan up to Rs. 7.50 Lakh
|
8.3
|
1.5
|
9.8
|
|
Pradhan Mantri Vidyalaxmi (PM-Vidyalaxmi)
|
Category of Institute
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
Need Based
|
8.30
|
0.50
|
8.80
|
|
PSB Mortgage - Term Loan Facilities (for Personal Use)
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
791 and above
|
8.30
|
1.75
|
10.05
|
|
|
768-790
|
8.30
|
1.85
|
10.15
|
|
|
753-767
|
8.30
|
1.95
|
10.25
|
|
|
732-752
|
8.30
|
2.15
|
10.45
|
|
|
700-731
|
8.30
|
2.75
|
11.05
|
|
|
650-699*
|
8.30
|
3.30
|
11.60
|
|
|
649 & Below#
|
8.30
|
3.95
|
12.25
|
|
PSB Sukhmoney (Reverse Mortgage Loan Scheme)
|
Product
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
Up to Rs.20 lakh
|
825 and above
|
8.30
|
1.80
|
10.10
|
|
|
768-824
|
8.30
|
2.30
|
10.60
|
|
|
753-767
|
8.30
|
2.40
|
10.70
|
|
|
732-752
|
8.30
|
2.60
|
10.90
|
|
|
700-731
|
8.30
|
2.95
|
11.25
|
|
|
650-699*
|
8.30
|
3.80
|
12.10
|
|
|
Above Rs.20 lakh
|
825 and above
|
8.30
|
2.05
|
10.35
|
|
|
768-824
|
8.30
|
2.80
|
11.10
|
|
|
753-767
|
8.30
|
2.90
|
11.20
|
|
|
732-752
|
8.30
|
3.10
|
11.40
|
|
|
700-731
|
8.30
|
3.45
|
11.75
|
|
|
650-699*
|
8.30
|
4.30
|
12.60
|
|
PSB Rent for General Public:
|
CIBIL Credit Vision Score
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
791 and above
|
8.30
|
1.70
|
10.00
|
|
|
768-790
|
8.30
|
1.70
|
10.00
|
|
|
753-767
|
8.30
|
1.80
|
10.10
|
|
|
732-752
|
8.30
|
2.00
|
10.30
|
|
|
700-731
|
8.30
|
2.35
|
10.65
|
|
|
650-699*
|
8.30
|
2.95
|
11.25
|
|
|
649 & Below#
|
8.30
|
3.25
|
11.55
|
|
PSB Rent for Landlords of Our Bank Premises
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
8.30
|
0.70
|
9.00
|
|
PSB Rent for Non Individual Customer
|
PSB RENT FOR Non Individual Customer
|
|
Loan up to Rs.10 lakh
|
|
Product
|
PRLR
|
Spread
|
Effective EBLR
|
|
%
|
|
Loan up to Rs.10 lakh
|
8.30
|
1.70
|
10.00
|
|
Loan Above Rs.10 lakh
|
|
Internal Rating
|
PRLR
|
Spread
|
Effective EBLR
|
|
%
|
|
1
|
8.30
|
2.10
|
10.40
|
|
2
|
8.30
|
2.20
|
10.50
|
|
3 & 4
|
8.30
|
2.40
|
10.70
|
|
5 & 6
|
8.30
|
2.90
|
11.20
|
|
7 and Below
|
8.30
|
4.55
|
12.85
|
PSB Krishi Swarn Kanti (upto Rs.50.00 Lakh)
|
PRLR
|
Spread
|
Effective EBLR %
|
|
8.30
|
0.60
|
8.90
|
PSB Swarn Shakti (upto Rs.50.00 Lakh)
|
Quantum of Finance
|
PRLR
|
Spread
|
Effective EBLR %
|
|
Up to Rs.5.00 Lakh
|
8.30
|
0.90
|
9.20
|
|
Above Rs.5.00 Lakh
|
8.30
|
0.80
|
9.10
|
SB OD/PMJDY OD/Family Bonding
|
PRLR
|
Spread
|
Effective EBLR %
|
|
8.30
|
1.30
|
9.60
|
PSB CREDIT PROTECT
ROI shall be charged as applicable to linked Loan Account.
Loans To Individuals Against Shares/ Debentures/ Bonds
|
|
PRLR
|
Spread
|
Effective EBLR %
|
|
Individuals Against Shares/ Debentures/ Bonds
|
8.30
|
2.80
|
11.10
|
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
|
PRLR
|
Spread
|
Effective EBLR %
|
|
Up to 5 Lakh
|
8.30
|
2.55
|
10.85
|
|
Above 5 Lakh to 10 lakh
|
8.30
|
3.55
|
11.85
|
Funded Exposure Above Rs 10.00 Lakh and up to Rs.25.00 Lakh (Internal Scoring Linked)- (Security in form of immovable property/Liquid Security is 100% & above)
|
Internal Scoring
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
1
|
8.30
|
2.25
|
10.55
|
|
|
2
|
8.30
|
2.35
|
10.65
|
|
|
3
|
8.30
|
2.45
|
10.75
|
|
|
4
|
8.30
|
2.55
|
10.85
|
|
|
5
|
8.30
|
2.65
|
10.95
|
|
|
6
|
8.30
|
2.75
|
11.05
|
|
|
7
|
8.30
|
3.35
|
11.65
|
|
Funded Exposure above Rs.25.00 Lakh and up to Rs.1.00 Crore (Security in form of immovable property /Liquid Security is 100% & above)
|
Internal Scoring
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
1
|
8.30
|
1.30
|
9.60
|
|
|
2
|
8.30
|
1.65
|
9.95
|
|
|
3
|
8.30
|
1.90
|
10.20
|
|
|
4
|
8.30
|
2.35
|
10.65
|
|
|
5
|
8.30
|
2.70
|
11.00
|
|
|
6
|
8.30
|
3.30
|
11.60
|
|
|
7
|
8.30
|
6.40
|
14.70
|
|
Funded Exposure above Rs.1.00 Crore and up to Rs.10.00 Crore (Security in form of immovable property /Liquid Security is 100% & above)
|
Internal Scoring
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
1
|
8.30
|
1.20
|
9.50
|
|
|
2
|
8.30
|
1.50
|
9.80
|
|
|
3
|
8.30
|
1.70
|
10.00
|
|
|
4
|
8.30
|
2.20
|
10.50
|
|
|
5
|
8.30
|
2.55
|
10.85
|
|
|
6
|
8.30
|
3.15
|
11.45
|
|
|
7
|
8.30
|
6.35
|
14.65
|
|
Funded Micro Small and Medium Enterprises/ Agriculture Infrastructure/ Ancillary Activites (Agriculture) Exposure above Rs.10.00 Crore
|
Internal Scoring
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
1
|
8.30
|
1.15
|
9.45
|
|
|
2
|
8.30
|
1.45
|
9.75
|
|
|
3
|
8.30
|
1.65
|
9.95
|
|
|
4
|
8.30
|
1.95
|
10.25
|
|
|
5
|
8.30
|
2.30
|
10.60
|
|
|
6
|
8.30
|
2.90
|
11.20
|
|
|
7
|
8.30
|
6.00
|
14.30
|
|
TABLE- ‘C’
ROI for Rupee Export Credit
Pre- Shipment Credit
|
Pre - Shipment Credit
|
Internal Rating
|
PRLR
|
Spread
|
Effective EBLR %
|
|
| |
|
Upto 270 Days
|
1
|
8.30
|
1.20
|
9.50
|
|
|
2
|
8.30
|
1.25
|
9.55
|
|
|
3
|
8.30
|
1.30
|
9.60
|
|
|
4
|
8.30
|
1.40
|
9.70
|
|
|
5
|
8.30
|
1.55
|
9.85
|
|
|
6
|
8.30
|
2.40
|
10.70
|
|
|
7
|
8.30
|
5.95
|
14.25
|
|
|
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
|
PRLR
|
SPREAD
|
Effective EBLR
|
|
On Demand Bill For Transit Period ( As Specified By FEDAI)
|
1
|
8.30
|
1.10
|
9.40
|
|
2
|
8.30
|
1.15
|
9.45
|
|
3
|
8.30
|
1.20
|
9.50
|
|
4
|
8.30
|
1.30
|
9.60
|
|
5
|
8.30
|
1.45
|
9.75
|
|
6
|
8.30
|
2.30
|
10.60
|
|
7
|
8.30
|
5.85
|
14.15
|
|
Usance Bill
|
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 Rate As Per Rating + 6.00
|
|
( Applicable From The Date Of Advance)
|
|
Against Incentive Receivables From Govt.(Covered By ECGC Upto 90 Days)
|
8.30
|
2.90
|
11.20
|
|
Against Undrawn Balance ( Upto 90 Days)
|
8.30
|
2.90
|
11.20
|
|
Against Retention Money(For Supplies Portion Only)
|
8.30
|
2.90
|
11.20
|
|
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
|
|
Deferred 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 From The Date Of Advance (Applicable from the date of advance)
|
Applicable Rate As Per Rating + 4.00
|
TABLE‘D’
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 facility -MSME)
|
Internal Rating
|
PRLR
|
SPREAD
|
Effective EBLR
|
|
Funded Exposure above Rs.10 Lakh and up to Rs.1.00 Crore (Security in form of immovable property is 100% & above)
|
Internal Rating 1
|
8.30
|
1.35
|
9.65
|
|
Internal Rating 2
|
8.30
|
1.70
|
10.00
|
|
Internal Rating 3
|
8.30
|
1.90
|
10.20
|
|
Internal Rating 4
|
8.30
|
2.20
|
10.50
|
|
Internal Rating 5
|
8.30
|
2.55
|
10.85
|
|
Internal Rating 6
|
8.30
|
3.15
|
11.45
|
|
Internal Rating 7
|
8.30
|
6.25
|
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 1
|
8.30
|
1.25
|
9.55
|
|
Internal Rating 2
|
8.30
|
1.55
|
9.85
|
|
Internal Rating 3
|
8.30
|
1.75
|
10.05
|
|
Internal Rating 4
|
8.30
|
2.05
|
10.35
|
|
Internal Rating 5
|
8.30
|
2.40
|
10.70
|
|
Internal Rating 6
|
8.30
|
3.00
|
11.30
|
|
Internal Rating 7
|
8.30
|
6.10
|
14.40
|
|
PSB Mortgage Dropdown OD
|
Funded Exposure above Rs.10 Lakh and up to Rs.1.00 Crore (Security in form of immovable property is 100% & above)
|
PSB Rating 1
|
8.30
|
1.85
|
10.15
|
|
PSB Rating 2
|
8.30
|
2.05
|
10.35
|
|
PSB Rating 3
|
8.30
|
2.25
|
10.55
|
|
PSB Rating 4
|
8.30
|
2.55
|
10.85
|
|
PSB Rating 5
|
8.30
|
2.90
|
11.20
|
|
PSB Rating 6
|
8.30
|
3.50
|
11.80
|
|
PSB Rating 7
|
8.30
|
6.60
|
14.90
|
|
|
Funded Exposure above Rs.1.00 Crore and up to Rs.10.00 Crore (Security in form of immovable property is 100% & above)
|
PSB Rating 1
|
8.30
|
1.75
|
10.05
|
|
|
PSB Rating 2
|
8.30
|
1.95
|
10.25
|
|
|
PSB Rating 3
|
8.30
|
2.15
|
10.45
|
|
|
PSB Rating 4
|
8.30
|
2.45
|
10.75
|
|
|
PSB Rating 5
|
8.30
|
2.80
|
11.10
|
|
|
PSB Rating 6
|
8.30
|
3.40
|
11.70
|
|
|
PSB Rating 7
|
8.30
|
6.50
|
14.80
|
|
PSB e-Pledge Loan
|
For Others (Borrowers other than Farmers)
|
8.30
|
0.55
|
8.85
|
|
| |
|
PSB Krishak Mitra
|
Up to Rs.100 lakh
|
8.30
|
1.05
|
9.35
|
|
|
Above Rs.100 lakh
|
8.30
|
1.25
|
9.55
|
|
|
Vyapar Loan
|
Overdraft facilities
|
PSB Rating
|
8.30
|
1.90
|
10.20
|
|
|
1 & 2
|
|
|
PSB Rating
|
8.30
|
2.00
|
10.30
|
|
|
3 & 4
|
|
|
PSB Rating 5
|
8.30
|
2.10
|
10.40
|
|
|
PSB Rating
|
8.30
|
3.55
|
11.85
|
|
|
6 & 7
|
|
|
Dropline OD
|
PSB Rating
|
8.30
|
1.90
|
10.20
|
|
|
1 & 2
|
|
|
PSB Rating
|
8.30
|
2.00
|
10.30
|
|
|
3 & 4
|
|
|
PSB Rating 5
|
8.30
|
2.10
|
10.40
|
|
|
PSB Rating
|
8.30
|
2.50
|
10.80
|
|
|
6 & 7
|
|
|
Working Capital Term Loan facilities repayable up to 5 years
|
PSB Rating
|
8.30
|
1.50
|
9.80
|
|
|
1 & 2
|
|
|
PSB Rating
|
8.30
|
1.70
|
10.00
|
|
|
3 & 4
|
|
|
PSB Rating 5
|
8.30
|
1.80
|
10.10
|
|
|
PSB Rating
|
8.30
|
3.55
|
11.85
|
|
|
6 & 7
|
|
|
Term Loan facilities repayable up to 10 years
|
PSB Rating
|
8.30
|
1.80
|
10.10
|
|
|
1 & 2
|
|
|
PSB Rating
|
8.30
|
2.00
|
10.30
|
|
|
3 & 4
|
|
|
PSB Rating 5
|
8.30
|
2.05
|
10.35
|
|
|
PSB Rating
|
8.30
|
3.55
|
11.85
|
|
|
6 & 7
|
|
|
PSB Liquid Plus Scheme
|
Overdraft facilities
|
PSB Rating
|
8.30
|
1.45
|
9.75
|
|
|
1 & 2
|
|
|
PSB Rating
|
8.30
|
1.70
|
10.00
|
|
|
3 & 4
|
|
|
PSB Rating 5
|
8.30
|
1.80
|
10.10
|
|
|
PSB Rating
|
8.30
|
4.55
|
12.85
|
|
|
6 & 7
|
|
|
Working Capital Term Loan facilities repayable up to 5 years
|
PSB Rating
|
8.30
|
1.55
|
9.85
|
|
|
1 & 2
|
|
|
PSB Rating
|
8.30
|
1.70
|
10.00
|
|
|
3 & 4
|
|
|
PSB Rating 5
|
8.30
|
1.80
|
10.10
|
|
|
PSB Rating
|
8.30
|
4.55
|
12.85
|
|
|
6 & 7
|
|
|
Term Loan facilities repayable up to 10 years
|
PSB Rating
|
8.30
|
1.85
|
10.15
|
|
|
1 & 2
|
|
|
PSB Rating
|
8.30
|
1.95
|
10.25
|
|
|
3 & 4
|
|
|
PSB Rating 5
|
8.30
|
2.00
|
10.30
|
|
|
PSB Rating
|
8.30
|
4.55
|
12.85
|
|
|
6 & 7
|
|
|
PSB Contractor Plus
|
Overdraft facilities
|
PSB Rating
|
8.30
|
1.55
|
9.85
|
|
|
1 & 2
|
|
|
PSB Rating
|
8.30
|
1.70
|
10.00
|
|
|
3 & 4
|
|
|
PSB Rating 5
|
8.30
|
1.80
|
10.10
|
|
|
PSB Rating
|
8.30
|
4.55
|
12.85
|
|
|
6 & 7
|
|
|
Working Capital Term Loan Facilities repayable up to 5 years
|
PSB Rating
|
8.30
|
1.65
|
9.95
|
|
|
1 & 2
|
|
|
PSB Rating
|
8.30
|
1.75
|
10.05
|
|
|
3 & 4
|
|
|
PSB Rating 5
|
8.30
|
1.85
|
10.15
|
|
|
PSB Rating
|
8.30
|
4.55
|
12.85
|
|
|
6 & 7
|
|
|
Term Loan facilities repayable up to 10 years
|
PSB Rating
|
8.30
|
1.90
|
10.20
|
|
|
1 & 2
|
|
|
PSB Rating
|
8.30
|
2.00
|
10.30
|
|
|
3 & 4
|
|
|
PSB Rating 5
|
8.30
|
2.05
|
10.35
|
|
|
PSB Rating
|
8.30
|
4.55
|
12.85
|
|
|
6 & 7
|
|
|
Commercial Vehicle Loan
|
Upto Rs.10.00 Lakh
|
8.30
|
1.30
|
9.60
|
|
|
Above Rs.10.00 Lakh
|
As per Table 'B'
|
|
|
PSB-PM Svanidhi Scheme
|
8.30
|
3.55
|
11.85
|
|
|
PSB GST EASE LOAN
|
PSB Rating 1 & 2
|
8.30
|
1.05
|
9.35
|
|
|
PSB Rating 3 & 4
|
8.30
|
1.30
|
9.60
|
|
|
PSB Rating 5 & 6
|
8.30
|
2.05
|
10.35
|
|
|
PSB Rating 7
|
8.30
|
2.80
|
11.10
|
|
|
PSB Professional Assist
|
Maximum Rs 200 Lac
|
8.30
|
0.85
|
9.15
|
|
|
Doctor Special Scheme
|
Maximum Rs 500 Lac
|
8.30
|
0.85
|
9.15
|
|
|
Commercial Real Estate (MSME)
|
PSB Rating 1
|
8.30
|
2.55
|
10.85
|
|
|
PSB Rating 2
|
8.30
|
2.85
|
11.15
|
|
|
PSB Rating 3
|
8.30
|
3.05
|
11.35
|
|
|
PSB Rating 4
|
8.30
|
3.35
|
11.65
|
|
|
PSB Rating 5
|
8.30
|
3.65
|
11.95
|
|
|
PSB Rating 6
|
8.30
|
4.05
|
12.35
|
|
|
|
PSB Rating 7
|
8.30
|
5.55
|
13.85
|
|
|
PSB Lakhpati DIDI**
|
8.30
|
4.55
|
12.85
|
|
