2. SME Products
State Bank of India has been playing a vital role in the
development of small scale industries since 1956. The Bank
has developed a wide array of products to meet the
changing needs of the industry. It provides end -to -end
solutions for the financial needs of the industry. To service
the specific credit needs of small and medium enterprise
(SME) the Bank established the Small & Medium
Enterprise business unit in 2004.
Apart from the general working capital requirements (like
Cash credit, Bill Discounting limits, LC, BG etc) to meet
the day to day requirements and term loans to take care of
investment needs for acquiring fixed assets, Bank has an
array of products/schemes to cater to the enterprise
specific require-ments of SME Units both in
Manufacturing and Trade and services sectors. Brief
details of some of the schemes are as under:

3. SME Loan Products
For Micro Enterprises and SSIs For Traders
SME Credit Card (Up to Rs.10 Lakh) Traders Easy Loan
SME Smart Score (Up to Rs.50 Lakh) Flexi Loan for Trade and Services
For Startups For Doctors
SBI SMILE (Interest Free Loan as equity) Doctor Plus
Term Loans for SSIs For Schools & Institutes
General Purpose Term Loan for SSI Sector (Up to Rs.50 School Plus
Lakh)
Open Term Loan (Up to Rs.2.5 Cr) For Shop Owners
Corporate Loan (Fro Rs.25 Lakh up to Rs.10 Cr) SBI Shoppe
SBI Shoppe Plus
Add Ons
SME Credit Plus For Restaurant owners
Standby Line of Credit for Working Capital Finance to Restaurants
Food processing For Transport Operators
Rice Mill Plus Transport Plus
Dal Mill Plus
For skill based businesses
Collateral Free Loan Artisan Credit Card
SME Collateral Free Loan
Miscellaneous For Vendors and Dealers: Supply Chain Finance
Rent Plus
SME Construction Equipment Loan Electronic Vendor Finance Scheme
SME Car Loan Electronic Dealer Finance Scheme
Loans to Women Entrepreneur
Stree Shakti Scheme

4. SME Liability and Transaction
Products
• SBI Power
• SAHAJ Current Account
• Surabhi Deposit Account
• B2B Payment Solution
• Power Jyoti Current Account

5. For Micro Enterprises and SSIs
 SME Credit Card (Up to Rs.10 Lakh)
Product provides loans for the micro enterprises including SSI units, small
business enterprises, professional and self employed persons, small retail
traders, transport operators etc for meeting any kind of credit requirement
including purchase of shops, maximum limit being Rs 10 lakhs including term
loan & working capital loan. The loan will be sanctioned for 3 years with an
annual review. This product has simplified sanction process without
requirement of elaborate financial data.
The borrower will be provided a photo identity card and a passbook giving
details of the limit and validity of the facility. A cheque book marked as SME
Credit Card and a pass book would be issued to the customer.
 SME Smart Score (Up to Rs.50 Lakh)
The Loan product is for units in Micro and Small Enterprise sector in manu-
facturing trade and services segments to meet working capital needs and for
acquisition of fixed assets. A simplified appraisal model has been de-veloped
to standardize the appraisal process for loans upto Rs 50 lakhs in SSI sector
and upto Rs 25 lakhs for trade and services sector available with attractive
interest rates. The loan will be sanctioned for 2 years with an an-nual review.
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6. For Startups
SBI SMILE (Interest Free Loan as equity)
The scheme envisages grant of interest free loan as equity
assistance to-wards part of margin requirements of the project,
to assist eligible profes-sional and technically qualified
entrepreneurs setting up new Micro and Small enterprises and
units covered under the Bank’s Project uptech for technology
upgradation.
Equity assistance is up to a maximum of Rs.10 lakhs.
Professional and Technically qualified persons will cover
doctors including dentists, engineers, and management
graduates etc. The interest free loan is repayable in 3 years with
a moratorium period of 5-7 years.
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7. Term Loans
 General Purpose Term Loan for SSI Sector (Up to Rs.50 Lakh)
This product is for existing borrowers for any general commercial purpose such as shoring up of Net
Working capital, substitution of high cost debt, R&D, ISO certification etc, subject to disbursement
being made in line with the specific purpose approved. Maximum loan available is Rs 50 lakhs
repayable in maximum period of 5 years.
 Open Term Loan (Up to Rs.2.5 Cr)
A pre-sanctioned term loan with limit upto Rs 2.5 crore for existing or new corporate or non-
corporate customers in manufacturing sector and upto Rs 1 crore for hotels, hospitals, educational
institutions in service sector.
The scheme provides option of multiple disbursements for multiple purposes like
expansion/modernization, substitution of high cost debt, up-gradation of technology, energy
conservation system, acquisition of software, hardware, visits abroad for acquiring technology,
finalizing deals, participation in fairs, market promotion etc.
The sanctioned limit is valid for 1 year. Margin requirement is 10%.
The borrower can utilize pre-approved sanction to plan capital expenditure and negotiate with
suppliers of machinery and finalize best possible contract.
 Corporate Loan (Fro Rs.25 Lakh up to Rs.10 Cr)
The scheme provides term loan for all existing customers and established non customers (subject to
takeover norms of the Bank) in manufacturing sector for repayment of high cost debt, VRS scheme
expenses, on going capital expenditure such as replacement of parts of machineries, upgradation and
renovation, shoring up of net working capital, R&D expenses, acquisition of tools jigs etc.
Quantum of Finance is minimum Rs.25 lakhs and maximum Rs.10 crores for non Corporate and no
cap for Corporate borrowers. No Margins are required under the scheme.
A maximum of three corporate loans can be outstanding per borrower at any point of time. Back

8. Add Ons
 SME Credit Plus
For existing and new borrowers this scheme provides a clean cash credit
facility to meet contingencies, sudden and unforeseen expenditures like
repairs, meeting bulk orders, tax payments, mismatch in cash flows etc.
Under the scheme 20% of aggregate WC or max Rs.25 lakhs fund based limit
can be availed. Margins are not required and interest rate will be same as
applicable to cash credit limit.
The facility is repayable in 2 months and can be availed for 12 times a year
 Standby Line of Credit for Working Capital
For existing units including export units, an additional Working Capital(Fund
based & non Fund based) limit by way of cash credit, packing credit and bills
discounting against stock, receivables to meet contingencies like bunching of
orders, delay in shipment, sudden increase in raw material prices, mismatch
in cash flows.
Under this 15% of aggregate Working Capital or max Rs.5 crore can be availed.
Margins as applicable to original limit.
The facility is repayable in 2 months and can be availed any number of times
in a calendar year
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9. Food processing
Rice Mill Plus
Term loan for acquisition of machinery/factory building
for modernization/ expansion and working capital needs
of Rice Mills engaged in milling, sorting, grading and
polishing. No upper ceiling on loan amount.
Dal Mill Plus
Term loan for Dal mill owners for acquisition of
machinery, factory building, modernization and all
working capital needs.
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10. Collateral Free Loans
SME Collateral Free Loan (SMECFL)
Collateral free loan for viable projects of micro and small
enterprises in manufacturing and service sector with
maximum guarantee cover up to Rs.1.00 crore under
CGTMSE guarantee scheme for working capital & Term
Loan (FB+NFB) facilities.
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11. For Traders
 Traders Easy Loan
Easy loan for specific business needs of traders, wholesalers and
professionals, self-employed, small business enterprises, agents
engaged in purchase and sale of food grains, commodities, cold
storage units, having collaterals like land, buildings and liquid
securities.
Loan can be availed for normal day to day business requirements or
for purchase of equipments/ fixed assets. Loan is available upto Rs 5
crore with very competitive rate of interest.
 Flexi Loan for Trade and Services
Term Loans to well established whole sale and Retail Traders,
distributors, stockists, construction, transport & supply contractors,
hospitals, nursing homes, clinical labs, resorts, travel agents etc for
any general purpose such as holding of stocks, book debts, acquisition
of land and building, renovation of office/showroom, purchase of
vehicles, equipment etc.
Repayable in 3-5 years but in deserving cases extendable up to 8 years.
Maximum loan Rs.1.00 crore.
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12. For Doctors
Doctor Plus
Loans to Doctors for setting up clinics/ nursing
homes, Pathological Labs, drug stores, ambulances,
computers, vehicles including expansion/ renovation
of existing premises etc.
Available for all streams viz. Allopathy, Homeopathy,
Ayurvedic etc. Low Margins at 10-15%, with loans up
to Rs.5.00 crore. repayable in 7 years.
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13. For Schools & Institutes
School Plus
Term Loans to educational institutions including primary
and higher secondary schools, graduation, under-
graduation and post-graduation colleges, technical
institutes recognized by AICTE/NBA/MCI available for
purchase of land and building, repairs/ renovation,
furniture, equipment, computers, vehicles, purchase of
books/manuals/software and other training material,
sports equipments, equipment for mid day meals scheme
etc.
Margins 15%, concessions in interest rates, repayable in 7
years.
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14. For Shop Owners
 SBI Shoppe
Loans for present and prospective owners of shops/ offices/ show-
rooms/ training centres/ service centres/ garages/ offices for
Chartered Accountants/ Consultants for the purchase / repair/
renovation of new/ old shops/ establishments/ offices/ dealer’s
showroom etc.
Maximum Term loan available is Rs 20 lakhs repayable in 3-7 years.
 SBI Shoppe Plus
Loan to individuals/ proprietors/ partners etc with a steady source of
income and possessing necessary approvals for construction of their
residential house and for construction of office/shop, purchase of
furniture, equipment, etc.
Loan is given for purchase of residential houses and for office space as
well. The scheme is a combination of housing loan and SBI Shoppe for
professionals and self employed entrepreneurs.
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15. For Restaurant owners
Finance to Restaurants
Loans to the Owners of Restaurants and Fast food
chains for purchase of kitchen equipments,
investment in interior decoration, purchase of
furniture and fixtures, purchase of land and
construction of buildings etc.
The loans are repayable in maximum period of 7
years. Simple sanction process.
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16. For Transport Operators
Transport Plus
Term loans for purchase of new transport vehicles at
cost on road basis and working capital facilities
against the receivables. Loans are available for surface
transport operators owning more than 10 well
maintained and road worthy vehicles including
trucks, tankers, tippers, luxury buses.
Margins 20% for term loans and working capital
loans. Concessions in interest rates are also available.
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17. For skill based businesses
Artisan Credit Card
The scheme provides loans to Artisans to meet their credit
requirements both for investments as well as working capital in
a flexible manner at liberal rates of interest.
A photo Id card and a passbook will be issued and the limit is
valid for 3 years subject to annual review.
Beneficiaries registered with the Development Commissioner
(Handicrafts) will be eligible for insurance cover under group
guarantee scheme for which premium will be paid by the
government and the beneficiaries in the ratio of 60:40.
Maximum loan under the scheme is Rs. 2.00 Lakh
No collateral security is required. Loans will be covered under
CGTMSE scheme, the fees for the same will be reimbursement
by the Development Commissioner (Handicrafts, Ministry of
Textile, GOI)
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18. Loans to Women Entrepreneur
Stree Shakti Scheme
For women entrepreneurs in Retail trade, Business
enterprises, Professionals and self employed, small
scale units or tiny units where the women
entrepreneur’s stake is more than 51%, Term Loan &
Working Capital facility is available with
concessionary margins and interest rates.
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19. Miscellaneous
 Rent Plus
Loan is given for purchase of residential house and for office space as well.
The scheme is a combination of housing loan and SBI Shoppe for professionals and self
employed entrepreneurs. The loan is to meet the liquidity mismatches of the borrowers
business
 SME Construction Equipment Loan
Term Loan for purchase of construction equipments viz. loaders, excavators, cranes etc.,
for contractors and firms engaged in construction activity.
Loan is not available for purchasing old machinery/ vehicles.
Maximum loan available is upto Rs 25 crore with minimum margin applicable upto 15%.
Tenure of loan can be extended upto maximum of 4 years.
 SME Car Loan
Loans for purchase of passenger cars, jeeps, multi utility vehicles etc., to the
promoter/partner/senior executives of the SME units having borrowing arrangements
with the Bank/ their family members either in their own name or the units name as per
the choice of the customer.
SME Current Account holders of the Bank or their family member either in their own
name or in the unit’s name, and other SME clients subject to obtaining a NOC from the
bank where they might have a loan account, are also eligible.
MCG units of the Bank will also be eligible for the product.
Loans available for used cars also. Back

20. For Vendors and Dealers:
Supply Chain Finance
Supply Chain Financing is an online collaborative platform for the
banks, buyers and sellers for transactions and financing across the
financial supply chain.
 Electronic Vendor Finance Scheme
The scheme provides for financing receivables of vendors of reputed
Cor-porates/ Industry majors (IMs). The scheme is a completely web
based so-lution with minimal branch intervention and provides
instant credit to ven-dors account electronically. This enables both
the Industry Majors and their vendors to achieve the objective of Just
In Time production. The vendors enjoy timely availability of funds.
 Electronic Dealer Finance Scheme
The scheme provides for financing purchases of Dealers from
Corporates/Industry Majors (IMs). It is a completely web based
solution with customized MIS provided to the stakeholders. The
Industry Major enjoys timely availability of funds. The dealer can
make effective utilization on working capital funds. Both Industry
Major and dealer can make use of improved cash flow forecasting.
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21. SBI Power
Value added Current account with eight variants with
concessions in cash transaction, remittances, collections and
various other banking needs, based on the Quarterly Average
Balance (QAB) maintained by our business customers.
POWERCURRENTACCOUNTVARIANTS
 POWER PACK QAB – Rs.5lacs
 POWER PREMIUM QAB – Rs.4lacs
 POWER PRIVILEGE QAB – Rs.3lacs
 POWER ADVANTAGE QAB – Rs.2lacs
 POWER GAIN QAB – Rs.1lacs
 POWER SUPER QAB – Rs.75,000
 POWER LITE QAB – Rs.40,000
 POWER BASE QAB – Rs.20,000
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22. Sahaj and Surabhi
SAHAJ Current Account
A special Current account for entrepreneurs having small
means and who are otherwise not able to have an account
with the Bank. They can open account with us with a
Quarterly Average Balance of Rs.1,000/- only.
Surabhi deposit account
To cover that section of non-individual customers who
have surplus funds for investments, but at the same time
need the Convenience of liquidity. Accounts under
SURABHI Scheme are Savings Bank/Current Accounts
with auto sweep and reverse sweep facility.
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23. B2B & Power Jyoti
B2B Payment Solution
A complete IT solution to Corporate needs. The
dealers/retailers can pool periodical remittances in the
pooling account of their service/commodity major with
customized MIS availability.
Power Jyoti Current Account
A one stop solution for Fee Collection of educational
institutions, recruitment agencies and other SME
customers. The highlight of the product is that the funds
could be transferred without the remitter having an
account in our bank. We have also customized Power Jyoti
for brokers.
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24. Thank You