PSB Repo Linked Rate (PRLR): 7.55% (Repo:5.50% w.e.f.09.06.2025, Mark up: 2.05%) effective EBLR ROI of following products w.e.f.01.11.2025
TABLE ‘A’
External Benchmark Linked Lending Rate (EBLR) for Retail Product
Apna Ghar Premium
|
CIBIL Credit Vision Score
|
Repo %
|
Markup %
|
CRP%
|
BSP %
|
Effective EBLR
%
|
|
790 & above
|
5.50
|
2.05
|
0.05
|
0.05
|
7.65
|
|
Minimum ROI under the scheme should not go below 7.35% after allowing concession.
|
PSB Apna Ghar & Kisan Home Loan
|
CIBIL Credit Vision Score
|
Repo %
|
Markup %
|
CRP%
|
BSP %
|
Effective EBLR
%
|
|
825 & above
|
5.50
|
2.05
|
0.00
|
0.00
|
7.55
|
|
791-824
|
5.50
|
2.05
|
0.04
|
0.06
|
7.65
|
|
750-790
|
5.50
|
2.05
|
0.16
|
0.09
|
7.80
|
|
725-749
|
5.50
|
2.05
|
0.29
|
0.31
|
8.15
|
|
700-724
|
5.50
|
2.05
|
0.46
|
0.49
|
8.50
|
|
650-699*
|
5.50
|
2.05
|
0.95
|
0.80
|
9.30
|
|
649 & Below#
|
5.50
|
2.05
|
2.62
|
0.78
|
10.95
|
PSB Apna Ghar Sahaj & Apna Ghar Gaurav (Part-A):
|
CIBIL Credit Vision Score
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
825 & above
|
5.50
|
2.05
|
0.00
|
0.00
|
7.55
|
|
791-824
|
5.50
|
2.05
|
0.04
|
0.01
|
7.60
|
|
750-790
|
5.50
|
2.05
|
0.16
|
0.04
|
7.75
|
|
725-749
|
5.50
|
2.05
|
0.29
|
0.26
|
8.10
|
|
700-724
|
5.50
|
2.05
|
0.46
|
0.44
|
8.45
|
|
650-699*
|
5.50
|
2.05
|
0.95
|
0.75
|
9.25
|
|
649 & Below#
|
5.50
|
2.05
|
2.62
|
0.73
|
10.90
|
PSB Apna Ghar Gaurav (Part-B):
For Salary account holder of Serving (including cadets from Pre Commissioned Training Academy) Defense Personnel and Pension account holders.
|
CIBIL Credit Vision Score
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
825 & above
|
5.50
|
2.05
|
0.00
|
0.00
|
7.55
|
|
791-824
|
5.50
|
2.05
|
0.04
|
0.01
|
7.60
|
|
750-790
|
5.50
|
2.05
|
0.16
|
0.04
|
7.75
|
|
725-749
|
5.50
|
2.05
|
0.29
|
0.26
|
8.10
|
|
700-724
|
5.50
|
2.05
|
0.46
|
0.39
|
8.40
|
|
650-699*
|
5.50
|
2.05
|
0.95
|
0.75
|
9.25
|
|
649 & Below#
|
5.50
|
2.05
|
2.62
|
0.73
|
10.90
|
PSB E Apna Ghar (Digital Mode –STP only):
|
CIBIL Credit Vision Score
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
825 & above
|
5.50
|
2.05
|
0.00
|
0.00
|
7.55
|
|
791-824
|
5.50
|
2.05
|
0.04
|
0.01
|
7.60
|
|
750-790
|
5.50
|
2.05
|
0.16
|
0.04
|
7.75
|
|
725-749
|
5.50
|
2.05
|
0.29
|
0.26
|
8.10
|
|
700-724
|
5.50
|
2.05
|
0.46
|
0.44
|
8.45
|
|
650-699*
|
5.50
|
2.05
|
0.95
|
0.80
|
9.30
|
|
649 & Below#
|
5.50
|
2.05
|
2.62
|
0.78
|
10.95
|
|
The Minimum CIBIL for STP is 700. Rate given in the last two row is for renewal.
|
Home Loan scheme for EWS, LIG, MIG in Urban areas:
|
CIBIL Credit Vision Score
|
Repo %
|
Markup %
|
CRP%
|
BSP %
|
Effective EBLR
%
|
|
825 & above
|
5.50
|
2.05
|
0.00
|
0.50
|
8.05
|
|
791-824
|
5.50
|
2.05
|
0.04
|
0.51
|
8.10
|
|
750-790
|
5.50
|
2.05
|
0.16
|
0.64
|
8.35
|
|
725-749
|
5.50
|
2.05
|
0.29
|
0.96
|
8.80
|
|
700-724
|
5.50
|
2.05
|
0.46
|
1.09
|
9.10
|
|
650-699*
|
5.50
|
2.05
|
0.95
|
1.25
|
9.75
|
|
649 & Below#
|
5.50
|
2.05
|
2.62
|
0.78
|
10.95
|
PSB Apna Ghar Top Up:
|
CIBIL Credit Vision Score
|
Repo %
|
Markup %
|
CRP%
|
BSP %
|
Effective EBLR
%
|
|
825 & above
|
1.00% over and above applicable ROI for Housing Loan to be added in the BSP.
|
|
791-824
|
|
750-790
|
|
725-749
|
|
700-724
|
|
650-699*
|
|
649 & Below#
|
PSB CRE Home Loan:
|
CIBIL Credit Vision Score
|
Repo %
|
Markup %
|
CRP%
|
BSP %
|
Effective EBLR
%
|
|
825 & above
|
0.50% over and above applicable ROI for Housing Loan all variant to be added in the BSP.
|
|
791-824
|
|
750-790
|
|
725-749
|
|
700-724
|
|
650-699*
|
|
649 & Below#
|
Vehicle Loan Individual
PSB Apna Vahan
|
Product Information
|
CIBIL Credit Vision Score
|
Repo %
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR %
|
|
Four Wheeler Vehicle
|
825 & above
|
5.50
|
2.05
|
0.08
|
0.17
|
7.80
|
|
791-824
|
5.50
|
2.05
|
0.08
|
0.47
|
8.10
|
|
750-790
|
5.50
|
2.05
|
0.14
|
0.51
|
8.20
|
|
725-749
|
5.50
|
2.05
|
0.31
|
0.59
|
8.45
|
|
700-724
|
5.50
|
2.05
|
0.59
|
0.66
|
8.80
|
|
650-699*
|
5.50
|
2.05
|
1.58
|
0.47
|
9.60
|
|
649 & Below#
|
5.50
|
2.05
|
6.11
|
0.59
|
14.25
|
|
Two Wheeler Vehicle
|
825 & above
|
5.50
|
2.05
|
0.08
|
3.67
|
11.30
|
|
791-824
|
5.50
|
2.05
|
0.08
|
3.67
|
11.30
|
|
750-790
|
5.50
|
2.05
|
0.14
|
3.71
|
11.40
|
|
725-749
|
5.50
|
2.05
|
0.31
|
3.89
|
11.75
|
|
700-724
|
5.50
|
2.05
|
0.59
|
3.96
|
12.10
|
|
650-699*
|
5.50
|
2.05
|
1.58
|
3.97
|
13.10
|
|
649 & Below#
|
5.50
|
2.05
|
6.11
|
1.94
|
15.60
|
|
Old Four Wheeler Vehicle
|
825 & above
|
5.50
|
2.05
|
0.08
|
2.37
|
10.00
|
|
791-824
|
5.50
|
2.05
|
0.08
|
2.47
|
10.10
|
|
750-790
|
5.50
|
2.05
|
0.14
|
2.46
|
10.15
|
|
725-749
|
5.50
|
2.05
|
0.31
|
2.99
|
10.85
|
|
700-724
|
5.50
|
2.05
|
0.59
|
3.36
|
11.50
|
|
650-699*
|
5.50
|
2.05
|
1.58
|
3.87
|
13.00
|
|
649 & Below#
|
5.50
|
2.05
|
6.11
|
2.59
|
16.25
|
PSB E Apna Vahan (Digital Mode –STP only)
|
Product Information
|
CIBIL Credit Vision Score
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR %
|
|
Four Wheeler Vehicle
|
825 & above
|
5.50
|
2.05
|
0.08
|
0.12
|
7.75
|
|
791-824
|
5.50
|
2.05
|
0.08
|
0.42
|
8.05
|
|
750-790
|
5.50
|
2.05
|
0.14
|
0.46
|
8.15
|
|
725-749
|
5.50
|
2.05
|
0.31
|
0.54
|
8.40
|
|
700-724
|
5.50
|
2.05
|
0.59
|
0.61
|
8.75
|
|
650-699
|
5.50
|
2.05
|
1.58
|
0.42
|
9.55
|
|
649 & Below
|
5.50
|
2.05
|
6.11
|
0.54
|
14.20
|
|
Two Wheeler Vehicle
|
825 & above
|
5.50
|
2.05
|
0.08
|
3.62
|
11.25
|
|
791-824
|
5.50
|
2.05
|
0.08
|
3.67
|
11.30
|
|
750-790
|
5.50
|
2.05
|
0.14
|
3.66
|
11.35
|
|
725-749
|
5.50
|
2.05
|
0.31
|
3.84
|
11.70
|
|
700-724
|
5.50
|
2.05
|
0.59
|
3.91
|
12.05
|
|
650-699
|
5.50
|
2.05
|
1.58
|
3.92
|
13.05
|
|
649 & Below
|
5.50
|
2.05
|
6.11
|
1.89
|
15.55
|
|
The Minimum CIBIL for STP is 700. Rate given in the last two row is for renewal.
|
PSB Apna Vahan Sugam:
|
Product
|
CIBIL Credit Vision Score
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR %
|
|
New Four Wheeler
|
825 & above
|
5.50
|
2.05
|
0.08
|
0.12
|
7.75
|
|
791-824
|
5.50
|
2.05
|
0.08
|
0.42
|
8.05
|
|
750-790
|
5.50
|
2.05
|
0.14
|
0.46
|
8.15
|
|
725-749
|
5.50
|
2.05
|
0.31
|
0.54
|
8.40
|
|
700-724
|
5.50
|
2.05
|
0.59
|
0.61
|
8.75
|
|
650-699*
|
5.50
|
2.05
|
1.58
|
0.42
|
9.55
|
|
649 & Below#
|
5.50
|
2.05
|
6.11
|
0.54
|
14.20
|
|
New Two Wheeler
|
825 & above
|
5.50
|
2.05
|
0.08
|
3.62
|
11.25
|
|
791-824
|
5.50
|
2.05
|
0.08
|
3.67
|
11.30
|
|
750-790
|
5.50
|
2.05
|
0.14
|
3.66
|
11.35
|
|
725-749
|
5.50
|
2.05
|
0.31
|
3.84
|
11.70
|
|
700-724
|
5.50
|
2.05
|
0.59
|
3.91
|
12.05
|
|
650-699*
|
5.50
|
2.05
|
1.58
|
3.92
|
13.05
|
|
649 & Below#
|
5.50
|
2.05
|
6.11
|
2.34
|
16.00
|
PSB Gativeer- Vehicle Loan
New Four Wheeler/ Two Wheeler (all variants)/ Two Wheeler for Agniveers
|
Product
|
CIBIL Credit Vision Score
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR %
|
|
New Four Wheeler
|
825 & above
|
5.50
|
2.05
|
0.08
|
0.12
|
7.75
|
|
791-824
|
5.50
|
2.05
|
0.08
|
0.12
|
7.75
|
|
750-790
|
5.50
|
2.05
|
0.14
|
0.26
|
7.95
|
|
725-749
|
5.50
|
2.05
|
0.31
|
0.34
|
8.20
|
|
700-724
|
5.50
|
2.05
|
0.59
|
0.46
|
8.60
|
|
650-699*
|
5.50
|
2.05
|
1.58
|
0.37
|
9.50
|
|
649 & Below#
|
5.50
|
2.05
|
6.11
|
0.59
|
14.25
|
|
New Two Wheeler
|
825 & above
|
5.50
|
2.05
|
0.08
|
2.62
|
10.25
|
|
791-824
|
5.50
|
2.05
|
0.08
|
2.62
|
10.25
|
|
750-790
|
5.50
|
2.05
|
0.14
|
2.61
|
10.30
|
|
725-749
|
5.50
|
2.05
|
0.31
|
2.89
|
10.75
|
|
700-724
|
5.50
|
2.05
|
0.59
|
2.91
|
11.05
|
|
650-699*
|
5.50
|
2.05
|
1.58
|
3.97
|
13.10
|
|
649 & Below#
|
5.50
|
2.05
|
6.11
|
1.94
|
15.60
|
|
Old Four Wheeler
|
825 & above
|
5.50
|
2.05
|
0.08
|
2.37
|
10.00
|
|
791-824
|
5.50
|
2.05
|
0.08
|
2.37
|
10.00
|
|
750-790
|
5.50
|
2.05
|
0.14
|
2.36
|
10.05
|
|
725-749
|
5.50
|
2.05
|
0.31
|
2.64
|
10.50
|
|
700-724
|
5.50
|
2.05
|
0.59
|
2.66
|
10.80
|
|
650-699*
|
5.50
|
2.05
|
1.58
|
2.87
|
12.00
|
|
649 & Below#
|
5.50
|
2.05
|
6.11
|
2.59
|
16.25
|
PSB E-Vahan Two Wheeler (Electric)
|
CIBIL Credit Vision Score
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
825 & above
|
5.50
|
2.05
|
0.08
|
3.62
|
11.25
|
|
791-824
|
5.50
|
2.05
|
0.08
|
3.67
|
11.30
|
|
750-790
|
5.50
|
2.05
|
0.14
|
3.66
|
11.35
|
|
725-749
|
5.50
|
2.05
|
0.31
|
3.84
|
11.70
|
|
700-724
|
5.50
|
2.05
|
0.59
|
3.91
|
12.05
|
|
650-699*
|
5.50
|
2.05
|
1.58
|
3.97
|
13.10
|
|
649 & Below#
|
5.50
|
2.05
|
6.11
|
1.89
|
15.55
|
PSB E-Vahan **/ Hybrid Car (Electric)
|
Product
|
CIBIL Credit Vision Score
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
New Four Wheeler
|
825 & above
|
5.50
|
2.05
|
0.08
|
0.12
|
7.75
|
|
791-824
|
5.50
|
2.05
|
0.08
|
0.42
|
8.05
|
|
750-790
|
5.50
|
2.05
|
0.14
|
0.46
|
8.15
|
|
725-749
|
5.50
|
2.05
|
0.31
|
0.54
|
8.40
|
|
700-724
|
5.50
|
2.05
|
0.59
|
0.61
|
8.75
|
|
650-699*
|
5.50
|
2.05
|
1.58
|
0.42
|
9.55
|
|
649 & Below#
|
5.50
|
2.05
|
6.11
|
0.54
|
14.20
|
**PSB E-Vahan rates are applicable to PSB Gativeer-E vahan vehicle rates also for CIBIL scores from 700 and above.
Psb
Vehicle Loan Non – Individual
Vehicle Loan to Non – Individual up to Rs.10.00 Lakh
|
Product
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
New Four Wheeler
|
5.50
|
2.05
|
0.31
|
0.39
|
8.25
|
|
Old Four Wheeler
|
5.50
|
2.05
|
1.58
|
1.37
|
10.50
|
|
E- Vahan/ Hybrid Car
|
5.50
|
2.05
|
0.31
|
0.34
|
8.20
|
Vehicle Loan to Non – Individual above Rs.10.00 Lakh
|
Product
|
Internal Rating
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR %
|
|
New Four Wheeler- Non Individual
|
1
|
5.50
|
2.05
|
0.08
|
0.42
|
8.05
|
|
2
|
5.50
|
2.05
|
0.14
|
0.56
|
8.25
|
|
3 & 4
|
5.50
|
2.05
|
0.31
|
0.84
|
8.70
|
|
5 & 6
|
5.50
|
2.05
|
0.59
|
1.16
|
9.30
|
|
7 and Below
|
5.50
|
2.05
|
1.58
|
4.37
|
13.50
|
|
Old Four Wheeler - Non Individual
|
1
|
5.50
|
2.05
|
0.33
|
2.52
|
10.40
|
|
2
|
5.50
|
2.05
|
0.39
|
2.56
|
10.50
|
|
3 & 4
|
5.50
|
2.05
|
0.56
|
2.79
|
10.90
|
|
5 & 6
|
5.50
|
2.05
|
0.84
|
3.46
|
11.85
|
|
7 and Below
|
5.50
|
2.05
|
1.83
|
4.22
|
13.60
|
|
E- Vahan/ Hybrid Car
|
1
|
5.50
|
2.05
|
0.08
|
0.37
|
8.00
|
|
2
|
5.50
|
2.05
|
0.14
|
0.51
|
8.20
|
|
3 & 4
|
5.50
|
2.05
|
0.31
|
0.79
|
8.65
|
|
5 & 6
|
5.50
|
2.05
|
0.59
|
1.11
|
9.25
|
|
7 and Below
|
5.50
|
2.05
|
1.58
|
4.32
|
13.45
|
|
Fresh/enhancement/revision/extension in the validity of existing credit limits in case of existing clients and sanction in case of new clients to be considered by next higher authority in case where rating is below Hurdle Rate i.e below PSB Internal Rating ‘5’.
|
PSB Personal Loan
|
|
CIBIL Credit Vision Score
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
i.Govt/ State Govt/ PSU/ Pensioner/Staff/Ex-staff
|
825 & above
|
5.50
|
2.05
|
1.06
|
1.34
|
9.95
|
|
791-824
|
5.50
|
2.05
|
1.06
|
2.39
|
11.00
|
|
750-790
|
5.50
|
2.05
|
1.09
|
2.61
|
11.25
|
|
725-749
|
5.50
|
2.05
|
1.13
|
2.82
|
11.50
|
|
700-724
|
5.50
|
2.05
|
1.14
|
3.06
|
11.75
|
|
650-699*
|
5.50
|
2.05
|
1.18
|
4.27
|
13.00
|
|
649 & Below#
|
5.50
|
2.05
|
1.24
|
5.21
|
14.00
|
|
ii. Private Employee/ MNC/Approved institute if salary account with us
|
825 & above
|
5.50
|
2.05
|
1.06
|
1.44
|
10.05
|
|
791-824
|
5.50
|
2.05
|
1.06
|
2.64
|
11.25
|
|
750-790
|
5.50
|
2.05
|
1.09
|
2.71
|
11.35
|
|
725-749
|
5.50
|
2.05
|
1.13
|
3.12
|
11.80
|
|
700-724
|
5.50
|
2.05
|
1.14
|
3.91
|
12.60
|
|
650-699*
|
5.50
|
2.05
|
1.18
|
4.37
|
13.10
|
|
649 & Below#
|
5.50
|
2.05
|
1.24
|
5.31
|
14.10
|
|
PAPL
|
|
5.50
|
2.05
|
1.19
|
2.36
|
11.10
|
|
PSB Veer Samarth - Personal Loan
|
Personal Loan
|
CIBIL Credit Vision Score
|
Repo %
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR %
|
|
825 & above
|
5.50
|
2.05
|
0.56
|
1.74
|
9.85
|
|
791-824
|
5.50
|
2.05
|
0.56
|
2.09
|
10.20
|
|
750-790
|
5.50
|
2.05
|
0.51
|
2.14
|
10.20
|
|
725-749
|
5.50
|
2.05
|
0.63
|
2.57
|
10.75
|
|
700-724
|
5.50
|
2.05
|
0.64
|
2.91
|
11.10
|
|
650-699*
|
5.50
|
2.05
|
0.68
|
4.77
|
13.00
|
|
649 & Below#
|
5.50
|
2.05
|
0.74
|
5.71
|
14.00
|
Education Loan
|
|
|
Product Information
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
PSB Model Education Loan Scheme
|
Loan up to Rs.4.00 Lakh
|
5.50
|
2.05
|
2.10
|
0.70
|
10.35
|
|
Loan Above Rs.4 lakh & up to Rs.7.50 Lakh
|
5.50
|
2.05
|
0.83
|
1.27
|
9.65
|
|
Above Rs.7.50 Lakh
|
5.50
|
2.05
|
0.32
|
1.73
|
9.60
|
|
EDUCATION LOAN COVERED UNDER CGFSEL/ CGFSSD UP TO Rs.7.50 Lakh
|
|
|
Product Information
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
PSB Model Education Loan Scheme
|
Loan up to Rs.4.00 Lakh
|
5.50
|
2.05
|
1.85
|
0.15
|
9.55
|
|
Loan Above Rs.4 lakh & up to Rs.7.50 Lakh
|
5.50
|
2.05
|
0.58
|
1.42
|
9.55
|
|
PSB Skill Loan
|
Loan up to Rs. 7.50 Lakh
|
5.50
|
2.05
|
0.32
|
1.18
|
9.05
|
| |
|
|
|
|
|
|
|
|
Pradhan Mantri Vidyalaxmi (PM-Vidyalaxmi)
|
Category of Institute
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
Need Based
|
5.50
|
2.05
|
0.32
|
0.18
|
8.05
|
PSB Mortgage - Term Loan Facilities (for Personal Use)
|
CIBIL Credit Vision Score
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
825 & above
|
5.50
|
2.05
|
0.06
|
1.69
|
9.30
|
|
791-824
|
5.50
|
2.05
|
0.06
|
2.09
|
9.70
|
|
750-790
|
5.50
|
2.05
|
0.09
|
3.11
|
10.75
|
|
725-749
|
5.50
|
2.05
|
0.13
|
3.82
|
11.50
|
|
700-724
|
5.50
|
2.05
|
0.14
|
4.31
|
12.00
|
|
650-699*
|
5.50
|
2.05
|
0.18
|
5.02
|
12.75
|
|
649 & Below#
|
5.50
|
2.05
|
0.24
|
5.71
|
13.50
|
PSB Sukhmoney (Reverse Mortgage Loan Scheme)
|
Product
|
CIBIL Credit Vision Score
|
Repo %
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
Up to Rs.20 lakh
|
825 & above
|
5.50
|
2.05
|
0.09
|
1.71
|
9.35
|
|
791-824
|
5.50
|
2.05
|
0.09
|
2.31
|
9.95
|
|
750-790
|
5.50
|
2.05
|
0.16
|
2.39
|
10.10
|
|
725-749
|
5.50
|
2.05
|
0.29
|
2.76
|
10.60
|
|
700-724
|
5.50
|
2.05
|
0.46
|
3.44
|
11.45
|
|
650-699*
|
5.50
|
2.05
|
0.95
|
3.15
|
11.65
|
|
649 & Below#
|
5.50
|
2.05
|
2.62
|
3.18
|
13.35
|
|
Above Rs.20 lakh
|
825 & above
|
5.50
|
2.05
|
0.09
|
1.96
|
9.60
|
|
791-824
|
5.50
|
2.05
|
0.09
|
2.81
|
10.45
|
|
750-790
|
5.50
|
2.05
|
0.16
|
2.89
|
10.60
|
|
725-749
|
5.50
|
2.05
|
0.29
|
3.26
|
11.10
|
|
700-724
|
5.50
|
2.05
|
0.46
|
3.94
|
11.95
|
|
650-699*
|
5.50
|
2.05
|
0.95
|
3.95
|
12.45
|
|
649 & Below#
|
5.50
|
2.05
|
2.62
|
3.83
|
14.00
|
PSB Rent for General Public:
|
CIBIL Credit Vision Score
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
825 & above
|
5.50
|
2.05
|
0.06
|
1.59
|
9.20
|
|
791-824
|
5.50
|
2.05
|
0.06
|
1.64
|
9.25
|
|
750-790
|
5.50
|
2.05
|
0.09
|
1.71
|
9.35
|
|
725-749
|
5.50
|
2.05
|
0.13
|
1.92
|
9.60
|
|
700-724
|
5.50
|
2.05
|
0.14
|
2.51
|
10.20
|
|
650-699*
|
5.50
|
2.05
|
0.18
|
2.92
|
10.65
|
|
649 & Below#
|
5.50
|
2.05
|
0.24
|
3.21
|
11.00
|
PSB Rent for Landlords of Our Bank Premises
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
5.50
|
2.05
|
0.13
|
0.57
|
8.25
|
PSB Rent for Non Individual Customer
|
PSB RENT FOR Non Individual Customer
|
|
Loan up to Rs.10 lakh
|
|
Product
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
Loan up to Rs.10 lakh
|
5.50
|
2.05
|
0.13
|
1.57
|
9.25
|
|
Loan Above Rs.10 lakh
|
|
Internal Rating
|
Repo %
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR %
|
|
1
|
5.50
|
2.05
|
0.09
|
2.01
|
9.65
|
|
2
|
5.50
|
2.05
|
0.13
|
2.07
|
9.75
|
|
3 & 4
|
5.50
|
2.05
|
0.14
|
2.26
|
9.95
|
|
5 & 6
|
5.50
|
2.05
|
0.18
|
2.72
|
10.45
|
|
7 and Below
|
5.50
|
2.05
|
0.24
|
4.31
|
12.10
|
PSB GOLD LOAN (Max up to Rs.50.00 Lakh)
PSB Krishi Swarn Kanti
|
Quantum of Finance
|
ROI
|
Concession
|
|
Up to Rs.50 Lakh
|
3 Month MCLR
|
Not Allowed
|
PSB Swarn Shakti
|
Quantum of Finance
|
Repo %
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR %
|
Concession
|
|
Up to Rs.5.00 Lakh
|
5.50
|
2.05
|
0.07
|
1.33
|
8.95
|
Not Allowed
|
|
Above Rs.5.00 Lakh
|
5.50
|
2.05
|
0.07
|
1.23
|
8.85
|
SB OD/PMJDY OD/Family Bonding
|
Repo %
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
5.50
|
2.05
|
0.24
|
1.06
|
8.85
|
PSB CREDIT PROTECT
ROI shall be charged as applicable to linked Loan Account.
Loans To Individuals Against Shares/ Debentures/ Bonds
|
|
Repo %
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR %
|
|
Individuals Against Shares/ Debentures/ Bonds
|
5.50
|
2.05
|
0.68
|
2.12
|
10.35
|
TABLE ‘B’
External Benchmark Linked Lending Rates (EBLR) for MSME/ Agriculture Infrastructure/ Ancillary Activities (Agriculture)
Funded Exposure Up to Rs.10 lakh
|
Description
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
Up to 5 Lakh
|
5.50
|
2.05
|
1.86
|
0.69
|
10.10
|
|
Above 5 Lakh to 10 lakh
|
5.50
|
2.05
|
1.86
|
1.69
|
11.10
|
|
Funded Exposure Above Rs 10.00 Lakh and up to Rs.25.00 Lakh (Security in form of immovable property/Liquid Security is 100% & above)
|
|
Internal Rating
|
Repo
|
Markup (Operating Cost)
|
CRP
|
BSP
|
Proposed ROI
|
|
1
|
5.50
|
2.05
|
1.02
|
1.23
|
9.80
|
|
2
|
5.50
|
2.05
|
1.02
|
1.33
|
9.90
|
|
3
|
5.50
|
2.05
|
1.02
|
1.43
|
10.00
|
|
4
|
5.50
|
2.05
|
1.02
|
1.53
|
10.10
|
|
5
|
5.50
|
2.05
|
1.02
|
1.63
|
10.20
|
|
6
|
5.50
|
2.05
|
1.02
|
1.73
|
10.30
|
|
7
|
5.50
|
2.05
|
1.02
|
2.33
|
10.90
|
Funded Exposure above Rs.25.00 Lakh and up to Rs.1.00 Crore (Security in form of immovable property /Liquid Security is 100% & above)
|
Internal Rating
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
1
|
5.50
|
2.05
|
0.29
|
1.01
|
8.85
|
|
2
|
5.50
|
2.05
|
0.35
|
1.45
|
9.35
|
|
3
|
5.50
|
2.05
|
0.36
|
1.64
|
9.55
|
|
4
|
5.50
|
2.05
|
0.54
|
1.81
|
9.90
|
|
5
|
5.50
|
2.05
|
0.69
|
2.16
|
10.40
|
|
6
|
5.50
|
2.05
|
1.68
|
1.77
|
11.00
|
|
7
|
5.50
|
2.05
|
5.93
|
0.52
|
14.00
|
Funded Exposure above Rs.1.00 Crore and up to Rs.10.00 Crore (Security in form of immovable property /Liquid Security is 100% & above)
|
Internal Rating
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
1
|
5.50
|
2.05
|
0.29
|
0.91
|
8.75
|
|
2
|
5.50
|
2.05
|
0.35
|
1.30
|
9.20
|
|
3
|
5.50
|
2.05
|
0.36
|
1.44
|
9.35
|
|
4
|
5.50
|
2.05
|
0.54
|
1.76
|
9.85
|
|
5
|
5.50
|
2.05
|
0.69
|
2.01
|
10.25
|
|
6
|
5.50
|
2.05
|
1.68
|
1.62
|
10.85
|
|
7
|
5.50
|
2.05
|
5.93
|
0.47
|
13.95
|
Funded Micro Small and Medium Enterprises/ Agriculture Infrastructure/ Ancillary Activites (Agriculture) Exposure above Rs.10.00 Crore
|
Internal Rating
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
1
|
5.50
|
2.05
|
0.29
|
0.86
|
8.70
|
|
2
|
5.50
|
2.05
|
0.35
|
1.25
|
9.15
|
|
3
|
5.50
|
2.05
|
0.36
|
1.39
|
9.30
|
|
4
|
5.50
|
2.05
|
0.54
|
1.66
|
9.75
|
|
5
|
5.50
|
2.05
|
0.69
|
2.01
|
10.25
|
|
6
|
5.50
|
2.05
|
1.68
|
1.77
|
11.00
|
|
7
|
5.50
|
2.05
|
5.93
|
0.52
|
14.00
|
TABLE- ‘C’
ROI for Rupee Export Credit
Pre- Shipment Credit
|
Pre - Shipment Credit
|
Internal Rating
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR %
|
|
Upto 270 Days
|
1
|
5.50
|
2.05
|
0.49
|
0.71
|
8.75
|
|
2
|
5.50
|
2.05
|
0.54
|
0.71
|
8.80
|
|
3
|
5.50
|
2.05
|
0.55
|
0.75
|
8.85
|
|
4
|
5.50
|
2.05
|
0.70
|
0.70
|
8.95
|
|
5
|
5.50
|
2.05
|
0.83
|
0.72
|
9.10
|
|
6
|
5.50
|
2.05
|
1.67
|
0.73
|
9.95
|
|
7
|
5.50
|
2.05
|
5.26
|
0.69
|
13.50
|
|
Above 270 Days And Upto 360 Days
|
Applicable Rate As Per Rating + 0.10
|
|
Above 360 Days ( Applicable From The Date Of Advance)
|
Applicable Rate As Per Rating + 0.60
|
|
For Exporters Under Gold Card Scheme ( Upto 360 Days )
|
Applicable Rate As Per Rating
|
|
For Exporters Under Gold Card Scheme ( Beyond 360 Days ) ( Applicable From The Date Of Advance)
|
Applicable Rate As Per Rating + 6.00
|
|
If Advance Is Adjusted Out Funds From Own Sources
( Applicable From The Date Of Advance On Amount So Adjusted)
|
Applicable Rate As Per Rating + 6.00
|
|
Overdue Pre-Shipment Credit Upto 360 Day ( For Overdue Period)
|
Applicable Rate As Per Rating + 4.00
|
Post- Shipment Credit
|
Post - Shipment Credit
|
Internal Rating
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
On Demand Bill For Transit Period ( As Specified By FEDAI)
|
1
|
5.50
|
2.05
|
0.49
|
0.61
|
8.65
|
|
2
|
5.50
|
2.05
|
0.54
|
0.61
|
8.70
|
|
3
|
5.50
|
2.05
|
0.55
|
0.65
|
8.75
|
|
4
|
5.50
|
2.05
|
0.70
|
0.60
|
8.85
|
|
5
|
5.50
|
2.05
|
0.83
|
0.62
|
9.00
|
|
6
|
5.50
|
2.05
|
1.67
|
0.63
|
9.85
|
|
7
|
5.50
|
2.05
|
5.26
|
0.59
|
13.40
|
|
Usance Bill
|
Upto 360 Days
|
Applicable Rate As Per Rating + 0.10
|
|
Above 360 Days
|
Applicable Rate As Per Rating + 0.60
|
|
For Exporters Under Gold Card Scheme ( Upto 360 Days )
|
Applicable Rate As Per Rating
|
|
For Exporters Under Gold Card Scheme ( Beyond 360 Days )
( Applicable From The Date Of Advance)
|
Applicable Rate As Per Rating + 6.00
|
|
Against Incentive Receivables From Govt.(Covered By ECGC Upto 90 Days)
|
5.50
|
2.05
|
0.49
|
2.41
|
10.45
|
|
Against Undrawn Balance ( Upto 90 Days)
|
5.50
|
2.05
|
0.49
|
2.41
|
10.45
|
|
Against Retention Money(For Supplies Portion Only)
|
5.50
|
2.05
|
0.49
|
2.41
|
10.45
|
|
If Advance is Adjusted out funds From Own Sources
|
Applicable Rate As Per Rating + 6.00
|
|
Overdue Export Bills (Upto 360 Days)
|
Applicable Rate As Per Rating + 4.00
|
|
Deferred Credit (Beyond 180 Days) (For Overdue Period)
|
Applicable Rate As Per Rating + 4.00
|
| |
|
|
|
|
|
|
|
|
Note: Fresh/enhancement/revision/extension in the validity of existing credit limits in case of existing clients and sanction in case of new clients to be considered by next higher authority in case where rating is below Hurdle Rate i.e below PSB Internal Rating ‘5’.
EXPORT CREDIT NOT OTHERWISE SPECIFIED (ECNOS)
|
Export Credit Not Otherwise Specified (ECNOS)
|
|
Pre-Shipment Credit
|
Applicable Rate As Per Rating + 6.00
|
|
Post-Shipment Credit
|
Applicable Rate As Per Rating + 6.00
|
|
If Adjusted Out Of Rupee Funds Received From ECGC Towards Settlement Of Claim
|
Applicable Rate As Per Rating + 6.00
|
|
Where Export Does Not Take Place From The Date Of Advance (Applicable from the date of advance)
|
Applicable Rate As Per Rating + 4.00
|
TABLE‘D’
Priority Sector (Agri/ MSME) Schemes
|
PRIORITY SECTOR (MSME) SCHEMES
|
Product information
|
Repo
%
|
Markup %
|
CRP %
|
BSP %
|
Effective EBLR
%
|
|
PSB Scheme on Financing Food & Agro Processing Units
|
As per Table 'B'
|
|
PSB Scheme on Financing Rice Shellers
|
As per Table 'B'
|
|
PSB Scheme for Financing Agri- food Processing Units
|
As per Table 'B'
|
|
PM Formalization of Micro Food Processing Enterprises (PM FME) Scheme.
|
As per Table 'B'
|
|
PSB Agriculture Infrastructure Fund (PSB AIF) (Internal Rating 1 to 6)
|
As per Table 'B' (Interest rate to be capped at 9% for loan amount covered under interest subvention component)
|
|
PSB Animal Husbandry Infrastructure Development Fund (PSB AHID)
|
As per Table 'B'
|
|
PSB Scheme for financing Storage Infrastructure
|
As per Table 'B'
|
|
PSB Scheme for Setting up of Agri clinics / Agribusiness centers
|
As per Table 'B'
|
|
Scheme for extending financial assistance to project proponents for enhancement of ethanol distillation capacity or to set up distilleries for producing 1st generation (1G) ethanol from feed stocks
|
As per Table 'B'
|
|
Scheme for financing Micro-Finance Institutions (MFIs)
|
As per Table 'B'
|
|
STAND UP INDIA
|
As per Table 'B'
|
|
PSB Antyodaya Yojana (For MSME)
|
As per Table 'B'
|
|
DAY NULM (For MSME)
|
As per Table 'B'
|
|
PMEGP(For MSME)
|
As per Table 'B'
|
|
Self-Employment Scheme for Rehabilitation of Manual
Scavengers (For MSME)
|
As per Table 'B'
|
|
PSB Scheme for financing Solar heating System
|
As per Table 'B'
|
|
MNRE’s Scheme for Establishment of Akshya Urja Shops
|
As per Table 'B'
|
|
Non-Schematic MSME
|
As per Table 'B'
|
|
PSB Scheme for financing Farmer Producer Organizations (FPOs) backed by Credit Guarantee Scheme for Farmer Producer Organizations (FPOs) Financing (CGSFPO)
|
As per Table 'B'
|
|
PSB Scheme for financing Start-Ups backed by Credit Guarantee Scheme for Start-Ups (CGSS)
|
As per Table 'B'
|
|
PSB Mortgage ( Term Loan facility -MSME)
|
Funded Exposure above Rs.10 Lakh and up to Rs.1.00 Crore
|
PSB Rating 1
|
5.50
|
2.05
|
0.24
|
1.11
|
8.90
|
|
PSB Rating 2
|
5.50
|
2.05
|
0.29
|
1.41
|
9.25
|
|
PSB Rating 3
|
5.50
|
2.05
|
0.30
|
1.60
|
9.45
|
|
PSB Rating 4
|
5.50
|
2.05
|
0.45
|
1.75
|
9.75
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.58
|
1.97
|
10.10
|
|
PSB Rating 6
|
5.50
|
2.05
|
1.42
|
1.73
|
10.70
|
|
PSB Rating 7
|
5.50
|
2.05
|
5.01
|
1.24
|
13.80
|
|
Funded Exposure above Rs.1.00 Crore
|
PSB Rating 1
|
5.50
|
2.05
|
0.24
|
1.01
|
8.80
|
|
PSB Rating 2
|
5.50
|
2.05
|
0.29
|
1.26
|
9.10
|
|
PSB Rating 3
|
5.50
|
2.05
|
0.30
|
1.45
|
9.30
|
|
PSB Rating 4
|
5.50
|
2.05
|
0.45
|
1.60
|
9.60
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.58
|
1.82
|
9.95
|
|
PSB Rating 6
|
5.50
|
2.05
|
1.42
|
1.58
|
10.55
|
|
PSB Rating 7
|
5.50
|
2.05
|
5.01
|
1.09
|
13.65
|
|
PSB Mortgage Dropdown OD
|
Funded Exposure above Rs.10 Lakh and up to Rs 1.00 Cr
|
PSB Rating 1
|
5.50
|
2.05
|
0.29
|
1.56
|
9.40
|
|
PSB Rating 2
|
5.50
|
2.05
|
0.35
|
1.70
|
9.60
|
|
PSB Rating 3
|
5.50
|
2.05
|
0.36
|
1.89
|
9.80
|
|
PSB Rating 4
|
5.50
|
2.05
|
0.54
|
2.01
|
10.10
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.69
|
2.21
|
10.45
|
|
PSB Rating 6
|
5.50
|
2.05
|
1.68
|
1.82
|
11.05
|
|
PSB Rating 7
|
5.50
|
2.05
|
5.93
|
0.67
|
14.15
|
|
Funded Exposure above Rs.1.00 Cr
|
PSB Rating 1
|
5.50
|
2.05
|
0.29
|
1.46
|
9.30
|
|
PSB Rating 2
|
5.50
|
2.05
|
0.35
|
1.60
|
9.50
|
|
PSB Rating 3
|
5.50
|
2.05
|
0.36
|
1.79
|
9.70
|
|
PSB Rating 4
|
5.50
|
2.05
|
0.54
|
1.91
|
10.00
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.69
|
2.26
|
10.50
|
|
PSB Rating 6
|
5.50
|
2.05
|
1.68
|
2.27
|
11.50
|
|
PSB Rating 7
|
5.50
|
2.05
|
5.93
|
0.57
|
14.05
|
|
PSB e-Pledge Loan
|
For Others (Borrowers other than Farmers)
|
Where Guarantee Coverage Available:- Maximum upto Rs.2.00 Crore
|
If borne by the Bank
|
As per Table B + 0.75%
|
|
If borne by Borrower
|
As per Table B - 0.25%
|
|
Where Guarantee Coverage not available
|
5.50
|
2.05
|
0.29
|
0.26
|
8.10
|
|
PSB Scheme for Financing Krishi Bhandaran against Warehouse Receipt (p-Pledge)
|
For Others (Borrowers other than Farmers)
|
Financing to Food and Agro – Manufacturing Unit
|
5.50
|
2.05
|
0.29
|
1.26
|
9.10
|
|
Financing to Food and Agro – Manufacturing Unit
|
5.50
|
2.05
|
0.29
|
1.26
|
9.10
|
|
PSB Krishak Mitra
|
Up to Rs.100 lakh
|
5.50
|
2.05
|
0.58
|
0.47
|
8.60
|
|
Above Rs.100 lakh
|
5.50
|
2.05
|
0.58
|
0.67
|
8.80
|
|
Vyapar Loan
|
Overdraft facilities
|
PSB Rating1
|
5.50
|
2.05
|
0.54
|
1.26
|
9.35
|
|
PSB Rating 2
|
5.50
|
2.05
|
0.54
|
1.36
|
9.45
|
|
PSB Rating 3
|
5.50
|
2.05
|
0.59
|
1.41
|
9.55
|
|
PSB Rating 4
|
5.50
|
2.05
|
0.59
|
1.51
|
9.65
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.64
|
1.71
|
9.90
|
|
PSB Rating 6
|
5.50
|
2.05
|
0.64
|
2.31
|
10.50
|
|
PSB Rating 7
|
5.50
|
2.05
|
0.69
|
3.26
|
11.50
|
|
Dropline OD
|
PSB Rating1
|
5.50
|
2.05
|
0.54
|
1.26
|
9.35
|
|
PSB Rating 2
|
5.50
|
2.05
|
0.54
|
1.36
|
9.45
|
|
PSB Rating 3
|
5.50
|
2.05
|
0.59
|
1.41
|
9.55
|
|
PSB Rating 4
|
5.50
|
2.05
|
0.59
|
1.51
|
9.65
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.64
|
1.71
|
9.90
|
|
PSB Rating 6
|
5.50
|
2.05
|
0.64
|
2.31
|
10.50
|
|
PSB Rating 7
|
5.50
|
2.05
|
0.69
|
3.26
|
11.50
|
|
Working Capital Term Loan facilities repayable up to 5 years
|
PSB Rating1
|
5.50
|
2.05
|
0.54
|
0.96
|
9.05
|
|
PSB Rating 2
|
5.50
|
2.05
|
0.54
|
1.16
|
9.25
|
|
PSB Rating 3
|
5.50
|
2.05
|
0.59
|
1.21
|
9.35
|
|
PSB Rating 4
|
5.50
|
2.05
|
0.59
|
1.31
|
9.45
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.64
|
1.36
|
9.55
|
|
PSB Rating 6
|
5.50
|
2.05
|
0.64
|
1.61
|
9.80
|
|
PSB Rating 7
|
5.50
|
2.05
|
0.69
|
3.26
|
11.50
|
|
Term Loan facilities repayable up to 10 years
|
PSB Rating1
|
5.50
|
2.05
|
0.54
|
1.26
|
9.35
|
|
PSB Rating 2
|
5.50
|
2.05
|
0.54
|
1.36
|
9.45
|
|
PSB Rating 3
|
5.50
|
2.05
|
0.59
|
1.41
|
9.55
|
|
PSB Rating 4
|
5.50
|
2.05
|
0.59
|
1.51
|
9.65
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.64
|
1.71
|
9.90
|
|
PSB Rating 6
|
5.50
|
2.05
|
0.64
|
2.31
|
10.50
|
|
PSB Rating 7
|
5.50
|
2.05
|
0.69
|
3.26
|
11.50
|
|
PSB Liquid Plus Scheme
|
Overdraft facilities
|
PSB Rating 1 & 2
|
5.50
|
2.05
|
0.49
|
0.96
|
9.00
|
|
PSB Rating 3 & 4
|
5.50
|
2.05
|
0.54
|
1.16
|
9.25
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.59
|
1.21
|
9.35
|
|
PSB Rating 6 & 7
|
5.50
|
2.05
|
0.64
|
3.91
|
12.10
|
|
Working Capital Term Loan facilities repayable up to 5 years
|
PSB Rating 1 & 2
|
5.50
|
2.05
|
0.51
|
1.04
|
9.10
|
|
PSB Rating 3 & 4
|
5.50
|
2.05
|
0.56
|
1.14
|
9.25
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.61
|
1.19
|
9.35
|
|
PSB Rating 6 & 7
|
5.50
|
2.05
|
0.66
|
3.89
|
12.10
|
|
Term Loan facilities repayable up to 10 years
|
PSB Rating 1 & 2
|
5.50
|
2.05
|
0.56
|
1.29
|
9.40
|
|
PSB Rating 3 & 4
|
5.50
|
2.05
|
0.61
|
1.34
|
9.50
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.66
|
1.34
|
9.55
|
|
PSB Rating 6 & 7
|
5.50
|
2.05
|
0.71
|
3.84
|
12.10
|
|
PSB Contractor Plus
|
Overdraft facilities
|
PSB Rating 1 & 2
|
5.50
|
2.05
|
0.49
|
1.06
|
9.10
|
|
PSB Rating 3 & 4
|
5.50
|
2.05
|
0.54
|
1.16
|
9.25
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.59
|
1.21
|
9.35
|
|
PSB Rating 6 & 7
|
5.50
|
2.05
|
0.64
|
3.91
|
12.10
|
|
Working Capital Term Loan Facilities repayable up to 5 years
|
PSB Rating 1 & 2
|
5.50
|
2.05
|
0.51
|
1.14
|
9.20
|
|
PSB Rating 3 & 4
|
5.50
|
2.05
|
0.56
|
1.19
|
9.30
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.61
|
1.24
|
9.40
|
|
PSB Rating 6 & 7
|
5.50
|
2.05
|
0.66
|
3.89
|
12.10
|
|
Term Loan facilities repayable up to 10 years
|
PSB Rating 1 & 2
|
5.50
|
2.05
|
0.56
|
1.34
|
9.45
|
|
PSB Rating 3 & 4
|
5.50
|
2.05
|
0.61
|
1.39
|
9.55
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.66
|
1.39
|
9.60
|
|
PSB Rating 6 & 7
|
5.50
|
2.05
|
0.71
|
3.84
|
12.10
|
|
Commercial Vehicle Loan
|
Upto Rs.10.00 Lakh
|
5.50
|
2.05
|
0.68
|
0.62
|
8.85
|
|
Above Rs.10.00 Lakh
|
As per Table 'B'
|
|
PSB-PM Svanidhi Scheme
|
5.50
|
2.05
|
0.49
|
3.06
|
11.10
|
|
PSB GST EASE LOAN
|
PSB Rating 1 & 2
|
5.50
|
2.05
|
0.27
|
0.78
|
8.60
|
|
PSB Rating 3 & 4
|
5.50
|
2.05
|
0.38
|
0.92
|
8.85
|
|
PSB Rating 5 & 6
|
5.50
|
2.05
|
1.00
|
1.05
|
9.60
|
|
PSB Rating 7
|
5.50
|
2.05
|
1.42
|
1.38
|
10.35
|
|
PSB Professional Assist
|
Maximum Rs 200 Lac
|
5.50
|
2.05
|
0.24
|
0.61
|
8.40
|
|
Doctor Special Scheme
|
Maximum Rs 500 Lac
|
5.50
|
2.05
|
0.24
|
0.61
|
8.40
|
|
Commercial Real Estate (MSME)
|
PSB Rating1
|
5.50
|
2.05
|
0.24
|
2.31
|
10.10
|
|
PSB Rating 2
|
5.50
|
2.05
|
0.29
|
2.56
|
10.40
|
|
PSB Rating 3
|
5.50
|
2.05
|
0.3
|
2.75
|
10.60
|
|
PSB Rating 4
|
5.50
|
2.05
|
0.45
|
2.9
|
10.90
|
|
PSB Rating 5
|
5.50
|
2.05
|
0.58
|
3.07
|
11.20
|
|
PSB Rating 6
|
5.50
|
2.05
|
1.42
|
2.63
|
11.60
|
|
|
PSB Rating 7
|
5.50
|
2.05
|
5.01
|
0.54
|
13.10
|
|
PSB Lakhpati DIDI**
|
5.50
|
2.05
|
0.5
|
4.05
|
12.10
|
|
PSB Scheme for Financing MSME Cluster in Punjab Region**
|
As per Table B
|
|
PSB Scheme for Financing to Food and Agro based industries under MSME Clusters (ODOP)**
|
As per Table B
|
|
PSB Scheme for Equipment Financing (MSME/Agri Borrowers)**
|
As per Table B + 0.25%
|
|
PSB MSME Premium Scheme**
|
As per Table B - 0.25%
|
|
YOUNG INDIA**
|
As per Table B
|
|
SAMRIADH MAHILA**
|
As per Table B
|
|
GIFT SCHEME**
|
As per Table B
|
|
GO GREEN SCHEME**
|
As per Table B
|
|
SPICE SCHEME**
|
As per Table B
|
|
M-YUVA **
|
As per Table B
|
|
SAUR URJA**
|
As per Table B
|
|
START UP SCHEME**
|
As per Table B + 0.25%
Concession:
- For Women Borrower: 0.25% concession in BSP to women beneficiary (i.e where the shareholding by women is minimum 51%)
- For Young Entrepreneurs: 0.25% concession in BSP to young entrepreneurs i.e where the majority (at least 51%) stakes should be hold by the persons of ages 18-35 years.
Note: 0.25% concession is the maximum concession under the scheme.
|
|
GIG WORKERS**
|
As per Table B
|
|
MSME TOP SCHEME**
|
As per Table B
|
|
PSB Scheme for Estate Purchase Loan**
|
As per Table B
|
Scheme for Financing COVID Affected Sectors backed by Loan Guarantee Scheme for COVID Affected Sectors (LGSCAS) introduced by Government of India through Ministry of Finance, subject to change as per Government Guidelines issued from time to time(For MSME Accounts and other business accounts linked to EBLR).
|
Internal Rating
|
Repo
|
Markup %
|
CRP in %
|
BSP in %
|
Effective EBLR in %
|
Final Rate
|
|
1
|
5.50
|
2.05
|
0.24
|
0.00
|
7.79
|
ROI to be capped at 7.95
|
|
2
|
5.50
|
2.05
|
0.29
|
0.00
|
7.84
|
|
3
|
5.50
|
2.05
|
0.30
|
0.00
|
7.85
|
|
4
|
5.50
|
2.05
|
0.45
|
0.00
|
8.00
|
|
Above 4
|
5.50
|
2.05
|
0.45
|
0.00
|
8.00
|
