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1. SBI SME Products Overview

2. Introduction
• • Overview of SBI's commitment to SMEs and MSMEs
• • Focus on accessible, digital banking solutions and invoice financing

3. SBI-SME Sahaj Current Account
• • Target Group: Small businesses, including proprietorships and partnerships
• • Purpose: Enable banking access for small enterprises with limited means
• Key Features:
• • Minimum quarterly balance of INR 1,000
• • No cheque book, ATM/debit card-based transactions
• • Internet banking for payments and transfers
• • Cash deposits allowed up to INR 10,000 per day

4. Additional Benefits of SME Sahaj Current Account
• • Streamlined banking for cash-based businesses
• • Dedicated targets for SBI branches to promote adoption
• • Marketing focus on liability accounts over loans

5. MSME Sahaj – Digital Loan Solution on YONO Business
• • Purpose: Provides instant, digital credit for MSME invoice financing
• • Platform: YONO-B app (web & mobile)
• Advantages:
• • Self-initiated loan process by customers
• • No manual involvement; digital approval in ~15 minutes
• • Liquidity support to MSMEs, unlocking cash flow from GST invoices
Start: YONO
Business Login
Select MSME
Sahaj
Apply for
Invoice
Financing
Digital
Approval
Loan
Disbursement

6. MSME Sahaj - Product Features
• • Target Group: MSMEs (proprietorships) with up to INR 5 crore GST turnover
• Loan Criteria:
• • Financing up to 85% of GST-enabled B2B invoices
• • Loan amount: INR 50,000 to INR 1,00,000 per invoice, max. INR 10 lakhs per customer
• • Unsecured loans, automated disbursement and repayment

7. Eligibility and Terms for MSME Sahaj
• • Eligibility Requirements:
• - Udyam registration and GST compliance
• - 25% SBI account turnover based on GST sales
• Other Criteria:
• • Valid for domestic B2B invoices only, within 10 days of issue
• • No existing working capital limit with other banks

8. Digital Process Flow for MSME Sahaj
• • Overview of automated application, documentation, and approval process
• • End-to-end digital loan disbursement on YONO-B platform
• • Built-in reminders and account tracking for customer ease

9. Key Benefits to SME Customers
• • Simplified Banking: Easy-to-maintain accounts for small businesses
• • Instant Financing: Access to fast, digital credit for MSMEs with liquidity needs
• • Enhanced Accessibility: Leveraging SBI’s digital platform for loan disbursements

10. Conclusion
• • Summary of SBI’s commitment to empowering SMEs and MSMEs
• • Encouragement to branches to target and onboard qualifying customers

11. MSME Sahaj - Product Features
Invoice
Financing
Unsecured
Loans
Digital Approval
Self-Initiated
Process
0
20
40
60
80
100
Product Features
Product Features

12. Key Benefits to SME Customers
Benefit Description
Simplified Banking Easy-to-maintain accounts for small
businesses
Instant Financing Quick, digital credit access for
MSMEs with liquidity needs
Enhanced Accessibility Utilizes SBI’s digital platform for loan
disbursements
Streamlined Processes Automated and hassle-free approval
mechanisms