Non-Trade: Working Capital & Term loans. Spread Effective Lending
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1 Non-Trade: Working Capital & Term loans Table- (i) a. Aggregate Limits :> Rs. 500 crore SB % 2.00% 0.75% 8.90% SB % 2.00% 0.75% 8.90% SB % 2.50% 1.50% 9.65% SB % 2.50% 1.50% 9.65% SB % 2.50% 1.50% 9.65% SB % 3.25% 3.75% 11.90% SB % 3.25% 3.75% 11.90% SB % 4.00% 4.75% 12.90% SB % 4.10% 5.00% 13.15% SB % 4.60% 5.50% 13.65% SB % 6.60% 8.50% 16.65% SB % 6.60% 8.50% 16.65% SB % 6.60% 8.50% 16.65% SB % 6.60% 8.50% 16.65% SB % 6.60% 8.50% 16.65% b. Aggregate Limits :> Rs. 100 crore to <= Rs 500 crore SB % 2.25% 1.50% 9.65% SB % 2.25% 1.50% 9.65% SB % 2.75% 2.25% 10.40% SB % 2.75% 2.25% 10.40% SB % 2.75% 2.25% 10.40% SB % 3.50% 3.75% 11.90% SB % 3.50% 3.75% 11.90% SB % 4.25% 4.75% 12.90% SB % 4.35% 5.00% 13.15% SB % 4.85% 6.00% 14.15% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% 1
2 c. Aggregate Limits :> Rs. 5 crore to <= Rs 100 crore SB % 2.50% 1.75% 9.90% SB % 2.50% 1.75% 9.90% SB % 3.00% 2.50% 10.65% SB % 3.00% 2.50% 10.65% SB % 3.00% 2.50% 10.65% SB % 3.75% 4.00% 12.15% SB % 3.75% 4.00% 12.15% SB % 4.50% 4.75% 12.90% SB % 4.60% 5.10% 13.25% SB % 5.10% 5.60% 13.75% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% 2
3 Trade: Working Capital & Term loans Table- (ii) a. Aggregate Limits :> Rs. 100 crore SB % 2.25% 1.50% 9.65% SB % 2.25% 1.50% 9.65% SB % 2.75% 2.25% 10.40% SB % 2.75% 2.25% 10.40% SB % 2.75% 2.25% 10.40% SB % 3.50% 3.75% 11.90% SB % 3.50% 3.75% 11.90% SB % 4.25% 4.75% 12.90% SB % 4.35% 5.00% 13.15% SB % 4.85% 6.00% 14.15% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% b. Aggregate Limits :> Rs. 5 crore to <= Rs 100 crore SB % 2.50% 1.75% 9.90% SB % 2.50% 1.75% 9.90% SB % 3.00% 2.50% 10.65% SB % 3.00% 2.50% 10.65% SB % 3.00% 2.50% 10.65% SB % 3.75% 4.00% 12.15% SB % 3.75% 4.00% 12.15% SB % 4.50% 4.75% 12.90% SB % 4.60% 5.10% 13.25% SB % 5.10% 5.60% 13.75% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% 3
4 Services: Working Capital & Term loans Table- (iii) a. Aggregate Limits :> Rs. 100 crore SB % 2.25% 1.50% 9.65% SB % 2.25% 1.50% 9.65% SB % 2.75% 2.25% 10.40% SB % 2.75% 2.25% 10.40% SB % 2.75% 2.25% 10.40% SB % 3.50% 3.75% 11.90% SB % 3.50% 3.75% 11.90% SB % 4.25% 4.75% 12.90% SB % 4.35% 5.00% 13.15% SB % 4.85% 6.00% 14.15% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% SB % 6.85% 8.50% 16.65% b. Aggregate Limits :> Rs. 5 crore to <= Rs 100 crore SB % 2.50% 1.75% 9.90% SB % 2.50% 1.75% 9.90% SB % 3.00% 2.50% 10.65% SB % 3.00% 2.50% 10.65% SB % 3.00% 2.50% 10.65% SB % 3.75% 4.00% 12.15% SB % 3.75% 4.00% 12.15% SB % 4.50% 4.75% 12.90% SB % 4.60% 5.10% 13.25% SB % 5.10% 5.60% 13.75% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% 4
5 Table- (iv) Project Finance: Working Capital & Term loans 1-year Rate (% p.a.) PF % 0.75% 8.90% PF % 0.75% 8.90% PF % 1.50% 9.65% PF % 1.50% 9.65% PF % 1.50% 9.65% PF % 3.75% 11.90% PF % 3.75% 11.90% PF % 4.75% 12.90% PF % 5.00% 13.15% PF % 5.50% 13.65% PF % 8.50% 16.65% PF % 8.50% 16.65% PF % 8.50% 16.65% PF % 8.50% 16.65% PF % 8.50% 16.65% PF % 8.50% 16.65% Table- (v) Construction: Working Capital & Term loans 1-year Rate (% p.a.) SB % 1.50% 9.65% SB % 1.50% 9.65% SB % 2.25% 10.40% SB % 2.25% 10.40% SB % 2.25% 10.40% SB % 3.75% 11.90% SB % 3.75% 11.90% SB % 4.75% 12.90% SB % 5.00% 13.15% SB % 6.00% 14.15% SB % 8.50% 16.65% SB % 8.50% 16.65% SB % 8.50% 16.65% SB % 8.50% 16.65% SB % 8.50% 16.65% 5
6 ECR Linked Table- (vi) a) CC Facility for Other than NBFC AAA 8.15% 0.25% 0.10% 8.25% AA+ 8.15% 0.35% 0.15% 8.30% AA 8.15% 0.35% 0.15% 8.30% AA- 8.15% 0.35% 0.15% 8.30% A+ 8.15% 1.25% 0.75% 8.90% A 8.15% 1.25% 0.85% 9.00% A- 8.15% 1.50% 0.95% 9.10% BBB+ 8.15% 2.00% 2.00% 10.15% BBB 8.15% 2.00% 2.00% 10.15% BBB- 8.15% 2.75% 2.75% 10.90% b) CC Facility for NBFC AAA 8.15% 0.35% 0.20% 8.35% AA+ 8.15% 0.45% 0.25% 8.40% AA 8.15% 0.45% 0.25% 8.40% AA- 8.15% 0.45% 0.25% 8.40% A+ 8.15% 1.50% 1.00% 9.15% A 8.15% 1.50% 1.10% 9.25% A- 8.15% 1.75% 1.20% 9.35% BBB+ 8.15% 2.50% 2.50% 10.65% BBB 8.15% 2.50% 2.50% 10.65% BBB- 8.15% 3.00% 3.00% 11.15% 6
7 Table- (vi) a) WCDL Facility for Other than NBFC: AAA 8.15% 0.00% 0.00% 8.15% AA+ 8.15% 0.10% 0.00% 8.15% AA 8.15% 0.10% 0.00% 8.15% AA- 8.15% 0.10% 0.10% 8.25% A+ 8.15% 0.60% 0.25% 8.40% A 8.15% 0.60% 0.35% 8.50% A- 8.15% 0.80% 0.50% 8.65% BBB+ 8.15% 1.10% 1.25% 9.40% BBB 8.15% 1.10% 1.25% 9.40% BBB- 8.15% 1.60% 1.75% 9.90% b) WCDL Facility for NBFC AAA 8.15% 0.15% 0.05% 8.20% AA+ 8.15% 0.25% 0.10% 8.25% AA 8.15% 0.25% 0.10% 8.25% AA- 8.15% 0.25% 0.20% 8.35% A+ 8.15% 0.75% 0.40% 8.55% A 8.15% 0.75% 0.50% 8.65% A- 8.15% 0.95% 0.65% 8.80% BBB+ 8.15% 1.25% 1.40% 9.55% BBB 8.15% 1.25% 1.40% 9.55% BBB- 8.15% 1.75% 1.90% 10.05% The same spread is applicable for other tenors of WCDL i.e 1 month, 3 months and 6 months. 7
8 Aggregate Limits : >Rs. 50 Lacs to <= Rs 5 crore: Working Capital & Term loans Table- (vii) SB % 2.50% 1.50% 9.65% SB % 2.50% 1.50% 9.65% SB % 3.00% 2.50% 10.65% SB % 3.00% 2.50% 10.65% SB % 3.00% 2.50% 10.65% SB % 3.75% 4.00% 12.15% SB % 3.75% 4.00% 12.15% SB % 4.50% 4.75% 12.90% SB % 4.60% 5.10% 13.25% SB % 5.10% 5.60% 13.75% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% Aggregate Limits : Rs. 25 Lacs to <= Rs 50 Lacs: Working Capital & Term loans Table- (viii) SB % 2.50% 2.00% 10.15% SB % 2.50% 2.00% 10.15% SB % 3.00% 2.75% 10.90% SB % 3.00% 2.75% 10.90% SB % 3.00% 2.75% 10.90% SB % 3.75% 4.00% 12.15% SB % 3.75% 4.00% 12.15% SB % 4.50% 4.75% 12.90% SB % 4.60% 5.10% 13.25% SB % 5.10% 5.60% 13.75% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% SB % 7.10% 8.10% 16.25% 8
9 Table- (ix) a. Aggregate Limits :<= Rs 50 Lacs, for borrowers where scoring models are in place : Working Capital & Term loans ( 1yr) Proposed ROI 8.15% 3.60% 11.75% b. Working Capital and Term Loans to micro & small enterprises with aggregate credit limits below Rs. 25 Lacs, i.e., unrated ( 1yr) Proposed ROI 8.15% 3.60% 11.75% 9
10 Interest Rates for Rupee Export Credit Table- (x) (i) With Interest Equalisation (earlier Interest Subvention ): Category of Advance: 1. Preshipment Credit (upto 270 days) 2. (i) Postshipment Credit Demand Bills (for transit period as specified by FEDAI)# (ii)postshipment Credit Usance Bills (for total period comprising usance period of export bills, transit period as specified by FEDAI and grace period wherever applicable) up to 180 days from date of shipment Specified Categories of Borrowers Both covered under SBI Exporters Gold Card Scheme & Not covered under SBI Exporters Gold Card Scheme 1 Year Interest Equalisation Rate % p.a. Linked to Unrated Borrowers ($) and Rated Borrowers (Applicable for S.No 1, 2 (i) & (ii)- category of borrowers For the overdue period upto 180 days from the date of shipment: Specified Categories of Borrowers Covered under SBI Exporters Gold Card Scheme 1 Year Rate % p.a. Linked to Unrated Borrowers ($) and Rated Borrowers With CRA rating SB 1 to SB 8 Rated Borrowers with CRA rating of SB 9 & SB Rated Borrowers with CRA rating below SB For the overdue period up to 180 days from the date of shipment. Borrowers not covered under SBI Gold Card Scheme : Interest Rate as applicable for Export Credit Not Otherwise Specified (ECNOS) will be applicable # The interest rates furnished against item 2 (i) and (ii) are applicable for purchase /discount/negotiation of bills $ Unrated Borrowers: Borrowers enjoying aggregate limits below Rs. 25 lacs. Care: Interest rates for Advances in the Categories detailed below will be similar to 2(ii) i.e. as applicable for Unrated borrower ($) and Rated borrowers. Against incentive receivable from Government (covered by ECGC Guarantee) up to 90 days Against Undrawn Balances (up to 90 days) Against retention money (for supplies portion only ) payable within one year from the date of shipment (up to 90 days) 10
11 (ii) Without Interest Equalisation Category of Advance: 1. Preshipment Credit (upto 270 days) 2. (i) Postshipment Credit Demand Bills (for transit period as specified by FEDAI)# (ii) Postshipment Credit Usance Bills (for total period comprising usance period of export bills, transit period as specified by FEDAI and grace period wherever applicable) up to 180 days from date of shipment.# Other Borrowers - Both covered under SBI Exporters Gold Card Scheme & Not covered under SBI Exporters Gold Card Scheme 1 Year Rate % p.a. Linked to Unrated Borrowers ($) and Rated Borrowers Applicable for S.No. 1,2 (i) &(ii) - category of borrowers For the overdue period up to 180 days from the date of shipment Other Borrowers -- Covered under SBI Exporters Gold Card Scheme 1 Year Rate % p.a. Linked to Unrated Borrowers and Rated Borrowers With CRA rating SB 1 to SB 8 Rated Borrowers with CRA rating of SB 9 & SB 10 Rated Borrowers with CRA rating below SB For the overdue period up to 180 days from the date of shipment Borrowers not covered under SBI Gold Card Scheme: Rate as applicable for Export Credit not Otherwise specified (ECNOS) will be applicable. # The interest rates furnished against item 2 (i) and (ii) are applicable for purchase /discount/negotiation of bills $ Unrated Borrowers: Borrowers enjoying aggregate limit below Rs. 25 lacs. Care: Interest Rates for Advances in the Categories detailed below will be similar to 2(ii) i.e. as applicable for Unrated borrower ($) and Rated borrowers. Against incentive receivable from Government (covered by ECGC Guarantee) up to 90 days Against Undrawn Balances (up to 90 days) Against retention money (for supplies portion only ) payable within one year from the date of shipment (up to 90 days) 11
12 (iii) INTEREST RATES FOR ALL CATEGORIES: (for specified categories / other Borrowers / SBI Exporters Gold Card Borrowers (Rated or Unrated Borrowers $) S.No Category of Credit 1 Deferred credit for the period beyond 180 days Rate % p.a. Linked to Rate based on the borrower s credit rating, as applicable for Cash Credit and Term Loans. 2 Export Credit Not otherwise Specified (ECNOS) (i) Pre Shipment Credit Rate based on the borrowers credit rating, as applicable for Cash Credit and Term Loans. (ii) Post shipment Credit (a) For the period up to 180 days from the date of shipment (b) Beyond 180 days from the date of shipment $ Unrated Borrowers : Borrowers enjoying aggregate limit below Rs. 25 Lacs Rate based on the borrower s credit rating, as applicable for Cash Credit and Term Loans. 12
13 Discounting of Bills under Inland & Export LCs: S.No Bills drawn under Inland LC 1 Our own branches (for usance period up to 360 days) 2 First Class Banks (Domestic) (a) up to 180 days applicable tenor (b) From 181 days to 360 days 1 Year i.e % p.a. Rate % p.a. Linked to applicable tenor 0.00 Applicable maturity based on the usance period of the bill # 0.00 Applicable maturity based on the usance period of the bill # S.No Bills drawn under Export LC for usance period up to 180 days) 1 Our own branches applicable tenor 2 First Class banks (Domestic) & Correspondent Banks: Rate % p.a. Linked to applicable tenor 0.00 Applicable maturity based on the usance period of the bill # 0.00 Applicable maturity based on the usance period of the bill # # Discounting of bills to be linked with the corresponding maturity of. In case there is no corresponding to the tenor of usance bill, the next higher maturity to be treated as reference rate. The interest rates under Discounting of Bills under Inland & Export LCs are floor rates and therefore no discretionary powers are prescribed to offer concessions. 13
Rate of Interest for existing Rupee Export Credit (Linked to BR) Part I Base Rate (BR) 9.50% 9.50%
Part I Base Rate (BR) 9.50% 9.50% Nature of Advance A. Pre-shipment Credit a. Up to the cyclical period as approved by Bank in all not exceeding 270 days. b. If the Pre-shipment Credit is outstanding beyond
1. RATE OF INTEREST IN CASE OF RUPEE EXPORT CREDIT. % age per annum 1. Pre-Shipment Credit a) Upto 180 days OBC 1 to 3: BR+0.50% OBC 4 to 6: BR+0.
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ANNEXURE - I SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES Base 10.50% w.e.f
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SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES Base 10.40% w.e.f
SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES WORKING CAPITAL LIMITS AND TERM LOANS Advances less than & including Rs.25 Lacs Term loan & Working Capital - Priority - Non-Priority - NBFCs [excl Micro
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S ON EXPORT CREDIT AND 1 2 S ON NORMAL RUPEE EXPORT CREDIT PRE-SHIPMENT EXPORT CREDIT (a) i) Upto 180 days ii) Beyond 180 days and upto 270 days iii) Beyond 270 days + 3.50% (b) Against incentives receivable
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