The document describes various loan products offered by State Bank of India for small and medium enterprises (SMEs). It provides concise summaries of loan products targeted towards different types of SMEs including micro enterprises, startups, traders, food processing units, and more. Loan amounts and eligibility criteria vary across the different product offerings.
Summer internship report submitted to State Bank of India on the topic - “Yo...Deepanjan Das
A Summer internship report submitted to State Bank of India on the topic - “Youth and SBI - Connected or Disconnected”.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
Summer internship report submitted to State Bank of India on the topic - “Yo...Deepanjan Das
A Summer internship report submitted to State Bank of India on the topic - “Youth and SBI - Connected or Disconnected”.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
Small Scale Industries play a very vital role in the national economy. They help in generating employment with minimum
possible investment and play a very vital role in promoting exports. Therefore, the Government has announced various schemes and policies for the promotion of Small Scale Industries to ensure that control over production is widely distributed. As per the present definition, an industry having investment of upto Rs. 1 crore in plant and machinery is defined as Small Scale Industry.
There is no limit to the financial benefits that an MSME registration certificate can proffer for your small business. Here is a comprehensive guide that will familiarize you with the numerous reforms introduced by the government for the growth of MSMEs in India.
What Is A Working Capital Loan?
Why Firms Need Working Capital Loan?
Advantages of Working Capital Loan
Types of Working Capital Loans
Eligibility for working capital loan
Documents required
How to apply for a working capital loan
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how can I sell pi coins after successfully completing KYC
SBI SME Loan Scheme
1.
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 School Plus
Rs.50 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
For Vendors and Dealers: Supply Chain Finance
Miscellaneous
Rent Plus Electronic Vendor Finance Scheme
SME Construction Equipment Loan Electronic Dealer Finance Scheme
SME Car Loan
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.
Back
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.
Back
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.
Back
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.
Back
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.
Back
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.
Back
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, pur
chase 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.
Back
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.
Back
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.
Back
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.
Back
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)
Back
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.
Back
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.
Back
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
Back
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.
Back
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.
Back