Our Bank is presently charging Rates of interest to various sectors of MSME as mentioned below:
| MANUFACTURING ENTERPRISES |
| CATEGORY |
MICRO ENTERPRISES |
SMALL AND MEDIUM ENTERPRISES |
Credit limits upto Rs.2 lakhs
(Incl. Rice Mills) |
BMPLR-1.75 to2.50% |
BMPLR-2.00% to BMPLR-0.75% |
| Credit limits above Rs.2 lakhs and upto Rs.10 lakhs |
BMPLR-2.00% to
BMPLR+0.50% |
BMPLR-1.50% to
BMPLR+1.00% |
Above Rs.10 lakhs and upto Rs.5 crore based
on Credit Rating (excluding Rice Mill units)
BMPLR+Applicable Spread |
| Rating |
Applicable
Spread(%) |
| A+++ |
-2.00 |
| A++ |
-1.50 |
| A+ |
-1.50 |
| A |
-1.00 |
| B |
-0.50 |
| C |
0.00 |
|
| Rating |
Applicable
Spread(%) |
| A+++ |
-1.50 |
| A++ |
-1.00 |
| A+ |
-1.00 |
| A |
-0.50 |
| B |
0.00 |
| C |
+0.50 |
|
Above Rs.10 lakhs and upto Rs.5 crore
based on Credit Rating to Rice Mill units
BMPLR+Applicable Spread |
| Rating |
Applicable
Spread (%) |
| A+++ |
-2.00 to -1.00 |
| A++ |
-2.00 to -1.00 |
| A+ |
-1.75 to -1.00 |
| A |
-1.00 to -0.50 |
| B |
-0.50 to 0.00 |
| C |
0.00 to 0.50 |
|
| Rating |
Applicable
Spread (%) |
| A+++ |
-1.50 to -0.50 |
| A++ |
-1.50 to -0.50 |
| A+ |
-1.25 to -0.50 |
| A |
-0.50 to 0.00 |
| B |
0.00 to 0.50 |
| C |
0.50 to 1.00 |
|
For Rice Mills engaged in Job work with
Credit limits above Rs.10 lakhs and upto Rs.5 crore
BMPLR+Applicable Spread |
| Rating |
Applicable
Spread (%) |
| A+++ |
-0.25 |
| A++ |
-0.25 |
| A+ |
0.25 |
| A |
0.25 |
| B |
0.75 |
| C |
1.50 |
|
| Rating |
Applicable
Spread (%) |
| A+++ |
0.25 |
| A++ |
0.25 |
| A+ |
0.75 |
| A |
0.75 |
| B |
1.25 |
| C |
2.00 |
|
For credit limits above Rs.5 crore
Based on Credit Risk rating |
| Rating |
Applicable Spread
to SME other
than Rice Mills(%) |
Applicable Spread
for Rice Mills |
| A++ |
-1.00 |
-1.00 to Nil |
| A+ |
-0.50 |
-1.00 to Nil |
| A |
-0.50 |
-0.75 to Nil |
| B++ |
Nil |
Nil to 0.50 |
| B+ |
0.50 |
0.50 to 1.00 |
| B |
1.00 |
1.00 to 1.50 |
| C |
1.00 |
1.00 to 1.50 |
|
| AB Power Tools (Shakti) Scheme |
9.50% |
Term premia of 0.25% is charged for Term loans with repayment period above 3 years.
| Category |
Present Interest rates |
Small Road and Water Transport Operators (SRTO)
(Term loan and Working capital limits) |
Micro and Small enterprises
Credit limits Upto Rs.5 lac-9.50%(fixed)
Credit limits Above Rs.5 lacs-BMPLR
Medium Enterprises
Credit limits Upto Rs.2 lac-Repayment Less than 1year-BMPLR-1.25%
1 year & upto 3 years-BMPLR-0.75%
Above 3 years-BMPLR-1.00%
Credit limits above Rs.2 lac-Repayment Upto 3 years-BMPLR+1.50%
Above 3 years-BMPLR+1.50%
Add Term premia of 0.25% for repayment period more than 3 years. |
Small Business Enterprises(SBE) & Professional & Self employed (P & SE)
(Other than Doctor Plus)
(Term loan and working capital limits) |
Upto Rs.5 lac-9.50%(fixed)
Above Rs.5 lacs-BMPLR+2.50%
Add Term premia of 0.25% for repayment period more than 3 years. |
Doctor Plus
(Not covered under SBE & P & SE)
The max amount of loan in rural & semi urban is Rs.15 lakhs and Urban Rs.10 lakhs. |
Upto Rs.5 lac-9.50%(fixed)
Above Rs.5 lacs-BMPLR+0.75%
Add Term premia of 0.25% for repayment period more than 3 years. |
| Retail Trade*
Term loan and working capital
(* Credit Limits upto Rs.20 lac fall under MSME category) |
Upto Rs.2 lacs:
Less than one Year –BMPLR-0.75%
1year & above-BMPLR-0.25%
Above 3 years –BMPLR-0.50%
Above Rs.2 lacs
BMPLR+2.50%
Liberalized Trade Finance: Applicable for WC limits.
Upto Rs.50 lac – BMPLR irrespective of Credit Rating.
Above Rs.50 lac and up to Rs.100 lac - BMPLR + 1% irrespective of Credit Rating.
SOD-RE to Traders :WC limits
Term Loan / SOD to Traders:
| upto Rs. 25 lac |
BMPLR at present 13.25% |
| above Rs. 25 lac and upto Rs.100 lac |
BMPLR+1.00%
at present 14.25% |
| above Rs. 100 lac |
As per Credit Rating. |
Add Term premia of 0.25% for repayment period more than 3 years. |
| Category |
Present Interest rates |
Small Road and Water Transport Operators (SRTO)
(Term loan and Working capital limits) |
Micro and Small enterprises
Credit limits Upto Rs.5 lac-9.50%(fixed)
Credit limits Above Rs.5 lacs-BMPLR
Medium Enterprises
Credit limits Upto Rs.2 lac-Repayment Less than 1year-BMPLR-1.25%
1 year & upto 3 years-BMPLR-0.75%
Above 3 years-BMPLR-1.00%
Credit limits above Rs.2 lac-Repayment Upto 3 years-BMPLR+1.50%
Above 3 years-BMPLR+1.50%
Add Term premia of 0.25% for repayment period more than 3 years. |
Small Business Enterprises(SBE) & Professional & Self employed (P & SE)
(Other than Doctor Plus)
(Term loan and working capital limits) |
Upto Rs.5 lac-9.50%(fixed)
Above Rs.5 lacs-BMPLR+2.50%
Add Term premia of 0.25% for repayment period more than 3 years. |
Doctor Plus
(Not covered under SBE & P & SE)
The max amount of loan in rural & semi urban is Rs.15 lakhs and Urban Rs.10 lakhs. |
Upto Rs.5 lac-9.50%(fixed)
Above Rs.5 lacs-BMPLR+0.75%
Add Term premia of 0.25% for repayment period more than 3 years. |
Retail Trade*
Term loan and working capital
(* Credit Limits upto Rs.20 lac fall under MSME category)
|
Upto Rs.2 lacs:
Less than one Year –BMPLR-0.75%
1year & above-BMPLR-0.25%
Above 3 years –BMPLR-0.50%
Above Rs.2 lacs
BMPLR+2.50%
Liberalized Trade Finance: Applicable for WC limits.
Upto Rs.50 lac – BMPLR irrespective of Credit Rating.
Above Rs.50 lac and up to Rs.100 lac - BMPLR + 1% irrespective of Credit Rating.
SOD-RE to Traders : WC limits
Term Loan / SOD to Traders:
| upto Rs. 25 lac |
BMPLR at present 13.25% |
| above Rs. 25 lac and upto Rs.100 lac |
BMPLR+1.00%
at present 14.25% |
| above Rs. 100 lac |
As per Credit Rating. |
Add Term premia of 0.25% for repayment period more than 3 years. |
| Restaurants with Bar, canteens, Hotels, Motel Industry |
Up to Rs.2.00 lacs:
Less than one Year – BMPLR-0.75%
1year & above-BMPLR-0.25%
Above 3 years – BMPLR-0.50%
Above Rs.2.00 lacs and upto Rs.10 lacs:
BMPLR+2.75%
Above Rs.10 lacs:
BMPLR +Spread applicable as per Credit rating
CRS-Limits above Rs.10 lacs and upto Rs.50 lacs
CRAS-Limits above Rs.50 lacs and upto Rs.5 crores.
CRRM -Credit limits above Rs.5 crores
| |
CRS |
CRAS |
CRRM |
| Rating |
Spread |
Spread |
Spread |
| A+++ |
2.75 |
1.50 |
NA |
| A++ |
3.50 |
2.50 to 3.00 |
Nil |
| A+ |
3.50 |
3.25 to 3.50 |
1.25 to1.75 |
| A |
3.50 |
3.50 |
2.00 to 2.50 |
| B++ |
-- |
-- |
2.75 to 3.25 |
| B+ |
-- |
-- |
3.25 to 3.50 |
| B |
3.50 |
3.50 |
3.50 |
| C |
3.50 |
3.50 |
3.50 |
Add Term premia of 0.25% for repayment period more than 3 years. |
| Hospitals, Clinical and pathological laboratories and scanning, MRI Tests |
Up to Rs.2.00 lacs:
Less than one Year – BMPLR-0.75%
1year & above-BMPLR-0.25% Above 3 years – BMPLR-0.50%
Above Rs.2.00 lacs and upto Rs.10 lacs:
BMPLR+2.75%
Above Rs.10 lacs.
BMPLR+3.50% |
| Educational Institutions, Training Institutes |
Up to Rs.2.00 lacs:
Less than one Year – BMPLR-0.75%
1year & above-BMPLR-0.25% Above 3 years – BMPLR-0.50%
Above Rs.2.00 lacs and upto Rs.10 lacs:
BMPLR+3.50%
Above Rs.10 lacs and below Rs.50 lacs as per Credit rating, Rs.50 lacs and above and up to Rs.5 crores as per CRAS and above Rs.5 crores as per CRRM.(BMPLR+applicable spread)
| |
CRS |
CRAS |
CRRM |
| Rating |
Spread |
Spread |
Spread |
| A+++ |
Nil |
Nil |
NA |
| A++ |
2.00 |
1.25 to 1.75 |
NIL |
| A+ |
2.00 |
2.00 to 2.50 |
1.25 to 1.75 |
| A |
2.50 |
2.75 to 3.25 |
2.00 to 2.50 |
| B++ |
-- |
-- |
2.75 to 3.25 |
| B+ |
-- |
-- |
3.25 to 3.50 |
| B |
3.50 |
3.25 to 3.50 |
3.50 |
| C |
3.50 |
3.50 |
3.50 |
Add Term premia for Term loans with repayment above 3 years. |
Development of software and providing software services, Practice of Law, Legal services, Placement and Management consultancy services, Advertising Agency and Training Centers, Sanitation services(Hiring of Septic Tank cleaner), consultancy services including Management services, Composite Broker services in Risk and Insurance management, Third Party administration (TPA) services for Medical Insurance claims of policy holders.
Training-cum-incubation centres, Publishing
|
Up to Rs.2.00 lacs:
Less than 1 Year BMPLR-0.75%
1 year & above BMPLR-0.25%
Above 3 years BMPLR-0.50%
Above Rs.2.00 lacs and upto Rs.10 lacs:
BMPLR+3.50%
Advances above Rs.10 lacs and below Rs.50 lacs as per applicable Credit rating under CRS, Advances above Rs.50 lacs and upto Rs.5 crores as per applicable Credit rating under CRAS and above Rs.5 crores as per CRRM.
| |
CRS |
CRAS |
CRRM |
| Rating |
Spread |
Spread |
Spread |
| A+++ |
1.50 |
NIL |
NA |
| A++ |
2.25 |
1.25 to 1.75 |
NIL |
| A+ |
2.75 |
2.00 to 2.50 |
1.25 to 1.75 |
| A |
3.25 |
2.75 to 3.00 |
2.00 to 2.50 |
| B++ |
-- |
-- |
2.75 to 3.25 |
| B+ |
-- |
-- |
3.25 to 3.50 |
| B |
3.50 |
3.25 to 3.50 |
3.50 |
| C |
3.50 |
3.50 |
3.50 |
Add Term premia of 0.25% for repayment period more than 3 years. |
a) Agri clinics and Agri business
b) Renting agricultural machinery
c) Seed Grading services |
Agri Business clinics / Agri Business Centres
BMPLR+2.50%+TP
Other agricultural activities under MSME: (As per Agricultural Term loans)
Upto Rs.50000- BMPLR-1.25%
Above Rs.50000 upto Rs.2 lacs-BMPLR-0.25%
Above Rs.2 lacs upto Rs.5 lacs-BMPLR+0.25%
Above Rs.5 lacs and upto Rs.10 lacs-BMPLR+1.00%
For loans above Rs.10 lacs below rs.25 lacs(only to individuals and non corporate borrowers)-BMPLR+1.75%
Advances to corporate borrowers above Rs.10 lacs and upto Rs.50 lacs &non corporate/individual borrowers above Rs.25 lacs and below Rs.50 lacs-CRS
Above Rs.50 lacs-CRAS
| |
CRS |
CRAS |
| Rating |
Spread |
Spread |
| A+++ |
Nil |
Nil |
| A++ |
1.00 |
0.75 to 1.25 |
| A+ |
1.50 |
1.50 to 2.00 |
| A |
2.25 |
2.25 to 2.75 |
| B |
3.25 |
3.00 to 3.25 |
| C |
3.50 |
3.50 |
|
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