• A- A A+

PRLR

PSB Repo Linked Rate (PRLR): 8.45% (Repo :6.50% Markup: 1.95%) w.e.f. 25-08-2023

Effective EBLR ROI for following products w.e.f 16.02.2024

TABLE ‘A’

 

External Benchmark Linked Lending Rate (EBLR) for Retail Product

PSB Apna Ghar & Kisan Home Loan

 

CIBIL Credit Vision Score

Spread

Effective EBLR

 %

791 and above

0.10

8.55

768-790

0.25

8.70

753-767

0.40

8.85

732-752

0.60

9.05

690-731

0.95

9.40

641-689*

1.55

10.00

 

PSB Apna Ghar Sahaj & Gaurav:

CIBIL Credit Vision Score

Spread

Effective EBLR

 %

791 and above

0.05

8.50

768-790

0.20

8.65

753-767

0.35

8.80

732-752

0.55

9.00

690-731

0.90

9.35

641-689*

1.40

9.85

*Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.

PSB Apna Ghar Top Up:

0.50% over and above applicable ROI for Housing Loan to be added in the BSP

Vehicle Loan Individual

 

PSB Apna Vahan

Product Information

CIBIL Credit Vision Score

Spread

Effective EBLR

 %

Four Wheeler Vehicle

768-900

0.50

8.95

753-767

0.70

9.15

732-752

0.90

9.35

690-731

1.25

9.70

641-689*

1.80

10.25

Two Wheeler Vehicle#

768-900

3.85

12.30

753-767

4.00

12.45

732-752

4.20

12.65

690-731

4.55

13.00

641-689*

5.05

13.50

Old Four Wheeler Vehicle

768-900

2.55

11.00

753-767

2.75

11.20

732-752

3.05

11.50

690-731

3.35

11.80

641-689*

4.05

12.50

 

Psb Apna Vahan Sugam:

 

Product

CIBIL Credit Vision Score

Spread

Effective EBLR

 %

New Four Wheeler

768-900

0.45

8.90

753-767

0.65

9.10

732-752

0.85

9.30

690-731

1.20

9.65

641-689*

1.75

10.20

New Two Wheeler

768-900

3.05

11.50

753-767

3.25

11.70

732-752

3.55

12.00

690-731

3.85

12.30

641-689*

4.05

12.50

*Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.

 

 

Psb E-Vahan/ Hybrid Car

 

Product

CIBIL Credit Vision Score

Spread

Effective EBLR

 %

New Four Wheeler

768-900

0.40

8.85

753-767

0.60

9.05

732-752

0.80

9.25

690-731

1.15

9.60

641-689*

1.70

10.15

 

*Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.

Vehicle Loan Non - Individual

 

Vehicle Loan to Non - Individual up to Rs. 10.00 Lakh

 

Product

Spread

Effective EBLR

 %

New Four Wheeler

0.80

9.25

Old Four Wheeler

2.95

11.40

E- Vahan/ Hybrid Car

0.55

9.00

 

Vehicle Loan to Non – Individual above Rs. 10.00 Lakh

 

Product

Internal Rating

Spread

Effective EBLR

 %

New Four Wheeler- Non Individual

 

 

 

1

0.50

8.95

2

0.70

9.15

3-4

0.90

9.35

5-6

1.10

9.55

7-8

1.80

10.25

Old Four Wheeler - Non Individual

1

2.85

11.30

2

2.95

11.40

3-4

3.25

11.70

5-6

3.65

12.10

7-8

4.10

12.55

E- Vahan/ Hybrid Car

1

0.45

8.90

2

0.55

9.00

3-4

0.85

9.30

5-6

1.25

9.70

7-8

1.85

10.30

 

 

 

 

 

 

 

 

PSB Personal Loan

 

PSB PERSONAL LOAN

 

 

 

 

CIBIL Credit Vision Score

Spread (%)

Effective EBLR (%)

i.Govt/ State Govt/ PSU/ Approved Educational Institure - Tie Up or if salary account with us

825 and above

2.30

10.75

768-824

2.65

11.10

 753-767,-1, 3, 4, 5

3.00

11.45

732-752

3.20

11.65

690-731

3.55

12.00

641-689*

4.10

12.55

ii. Govt/ Government PSU/ Pensioners/ Approved Educational Institute

825 and above

2.30

10.75

768-824

2.65

11.10

753-767,-1, 3, 4, 5

3.00

11.45

732-752

3.20

11.65

690-731

3.55

12.00

641-689*

4.10

12.55

iii. Private Employee/ MNC

825 and above

3.20

11.65

768-824

3.25

11.70

753-767,-1, 3, 4, 5

3.45

11.90

732-752

3.75

12.20

690-731

4.55

13.00

641-689*

5.05

13.50

PAPL

 

3.05

11.50

*Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.

PSB Sukhmoney (Reverse Mortgage Loan Scheme)

Product

CIBIL Credit Vision Score

Spread

Effective EBLR

 %

Up to Rs.20 lakh

825 and above

1.80

10.25

768-824

2.30

10.75

753-767

2.40

10.85

732-752

2.60

11.05

690-731

2.95

11.40

641-689*

3.65

12.10

Above Rs.20 lakh

825 and above

2.05

10.50

768-824

2.80

11.25

753-767

2.90

11.35

732-752

3.10

11.55

690-731

3.45

11.90

641-689*

4.15

12.60

 

PSB Mortgage - Term Loan Facilities (for Personal Use)

 

CIBIL Credit Vision Score

Spread

Effective EBLR

 %

768-900

1.60

10.05

753-767

1.70

10.15

732-752

1.90

10.35

690-731

2.50

10.95

641-689*

2.85

11.30

 

PSB Rent for General Public

 

 

CIBIL Credit Vision Score

Spread

Effective EBLR

 %

768-900

1.70

10.15

753-767

1.80

10.25

732-752

2.00

10.45

690-731

2.35

10.80

641-689*

2.80

11.25

*Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.

PSB Rent for Landlords of Our Bank Premises

 

 

 

Spread

Effective EBLR

 %

0.55

9.00

 

PSB Rent for Non Individual Customer

 

 

PSB RENT FOR Non Individual Customer

Loan up to Rs.10 lakh

 Product

Spread

Effective EBLR

 %

 Loan up to Rs.10 lakh

1.70

10.15

Loan Above Rs.10 lakh

Internal Rating

Spread

Effective EBLR

 %

1

1.60

10.05

2

1.70

10.15

3-4

1.90

10.35

5-6

2.25

10.70

7-8

3.35

11.80

 

 

 

 

 

 

Education Loan

 

 

 

Product Information

Spread

Effective EBLR

 %

IBA Model Education Loan Scheme

Loan up to Rs.4.00 Lakh

2.80

11.25

Loan Above Rs.4 lakh & up to Rs.7.50 Lakh

2.10

10.55

Above Rs.7.50 Lakh

1.85

10.30

IBA Skill Loan

Loan up to Rs. 1.50 Lakh

2.80

11.25

 

 

EDUCATION LOAN COVERED UNDER CGFSEL/ CGFSSD UP TO Rs.7.50 Lakh

 

Product Information

Spread

Effective EBLR

 %

 

IBA Model Education Loan Scheme

Loan up to Rs.4.00 Lakh

2.00

10.45

 

Loan Above Rs.4 lakh & up to Rs.7.50 Lakh

2.00

10.45

 

IBA Skill Loan

Loan up to Rs. 1.50 Lakh

1.50

9.95

 

 

PSB Excellence Education Loan

 

Category of Institute

Spread

Effective EBLR

 %

AA

0.30

8.75

A

0.55

9.00

 

PSB GOLD LOAN (PSB Swarn Shakti & PSB Krishi Swarn Kanti)

 

PSB Gold Loan (PSB Krishi Swarn Kanti)

Quantum of Finance

Spread%

Effective EBLR

 %

Need Based

0.40

8.85

 

PSB Gold Loan (PSB Swarn Shakti)

Quantum of Finance

Spread%

Effective EBLR

 %

Up to Rs.5.00 Lakh

0.90

9.35

Above Rs.5.00 lakh

0.80

9.25

 

 

 SB OD & Family Bonding

 

Spread

Effective EBLR

 %

1.30

9.75

 

Loans To Individuals Against Shares/ Debentures/ Bonds

 

 

Spread

Effective EBLR

 %

Shares/ debentures in Physical Form - General

2.65

11.10

Shares/ debentures in Physical Form - For Blue Chip Co.

2.65

11.10

Shares/ debentures in Demat Form- General

2.65

11.10

Shares/ debentures in Demat Form - For Blue Chip Co.

2.65

11.10

General Clean Loan/ Overdraft/ Clean Bills etc

2.65

11.10

Finance to Intermediary Agency (excluding those of Housing)

2.65

11.10

Finance to Housing Intermediary Agency

2.65

11.10

 

 

TABLE ‘B’

External Benchmark Linked Lending Rates (EBLR) for Micro and Small Medium Enterprises/ Agriculture Infrastructure/ Ancillary Activities (Agriculture)

 

Funded Exposure Up to Rs. 10 lakh

Description

Spread

Effective EBLR

 %

Up to 5 Lakh

1.05

9.50

Above 5 Lakh to 10 lakh

2.05

10.50

 

Funded Exposure above Rs.10 Lakh (Collateral 100% & Above)**

 

Internal Rating

Spread

Effective EBLR

 %

1

0.60

9.05

2

0.65

9.10

3

0.70

9.15

4

0.80

9.25

5

1.95

10.40

6

2.05

10.50

7

5.60

14.05

 

 

 

**Note: 

  1. Additional Business Strategy Premium (BSP) to load over and above the BSP mentioned in table above based on collateral coverage below 100% as under:

 

Collateral Coverage

>=75% to <100%

>=50% to <75%

 <50%

Additional premium in BSP

20 bps

30bps

50 bps

 

 

  1. Loans covered under CGTMSE/CGFMU/Government Guaranteed/Hybrid Model loans etc. having coverage of claim  less than 100%, shall be considered under “>=50% to <75%” collaterally secured category and hence additional BSP of 30 bps shall be loaded.
  2. Loans covered under any Government Guarantee Scheme which covers 100% exposure shall be considered as 100% collaterally secured.

 

 

TABLE- ‘C’

 

ROI for Rupee Export Credit

 

Pre- Shipment Credit

 

Pre - Shipment Credit

Internal Rating

Spread

Effective EBLR

 %

 

Upto 270 Days

1

1.20

9.65

 

2

1.25

9.70

 

3

1.30

9.75

 

4

1.40

9.85

 

5

1.55

10.00

 

6

2.40

10.85

 

7

5.95

14.40

 

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

Spread

Effective EBLR

 %

On Demand Bill For Transit Period ( As Specified By Fedai)

1

1.10

9.55

2

1.15

9.60

3

1.20

9.65

4

1.30

9.75

5

1.45

9.90

6

2.30

10.75

7

5.85

14.30

Usance Bill

Upto 180 Days

Applicable Rate As Per Rating  + 0.10

 

Above 180 Days And 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)

 

2.90

11.35

 

Against Undrawn Balance ( Upto 90 Days)

2.90

11.35

 

Against Retention Money (For Supplies Portion Only)

2.90

11.35

 

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

 

Deffred Credit

(Beyond 180 Days)

(For Overdue Period)

Applicable Rate As Per Rating  + 4.00

 

             

 

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

Applicable Rate As Per Rating  + 4.00

 

 

 

 

TABLE ‘D’

 

Priority Sector (Agri/ MSME) Schemes

 

PRIORITY SECTOR (MSME) SCHEMES

Product information

Spread

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- Seed 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 e-Pledge Loan

 

For Others (Borrowers other than Farmers)

              As per Table 'B'

 

PSB Scheme for Setting up of Agriclinics / 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'

PSB Krishak Mitra

Up to Rs.100 lakh

1.05

9.50

Above Rs.100 lakh

1.25

9.70

Vyapar Loan

Overdraft facilities

PSB Rating 1 & 2

1.05

9.50

PSB Rating 3 & 4

1.20

9.65

PSB Rating 5

1.30

9.75

PSB Rating 6 & 7

1.75

10.20

Working Capital    Term Loan        facilities repayable up to 5 years

PSB Rating 1 & 2

1.20

9.65

PSB Rating 3 & 4

1.30

9.75

 

PSB Rating 5

1.40

9.85

PSB Rating 6 & 7

1.80

10.25

Term Loan        facilities repayable up to 10 years

 

 

 

 

PSB Rating 1 & 2

1.45

9.90

PSB Rating 3 & 4

1.55

10.00

PSB Rating 5

1.60

10.05

PSB Rating 6 & 7

1.85

10.30

PSB Liquid Plus Sche

me

Overdraft facilities

PSB Rating 1 & 2

1.05

9.50

PSB Rating 3 & 4

1.20

9.65

PSB Rating 5

1.30

9.75

PSB Rating 6 & 7

1.75

10.20

Working Capital Term Loan facilities repayable up to 5 years

PSB Rating 1 & 2

1.20

9.65

PSB Rating 3 & 4

1.30

9.75

PSB Rating 5

1.40

9.85

PSB Rating 6 & 7

1.80

10.25

Term Loan facilities repayable up to 10 years

PSB Rating 1 & 2

1.45

9.90

PSB Rating 3 & 4

1.55

10.00

PSB Rating 5

1.60

10.05

PSB Rating 6 & 7

1.85

10.30

PSB Contractor Plus

Overdraft facilities

PSB Rating 1 & 2

1.05

9.50

PSB Rating 3 & 4

1.20

9.65

PSB Rating 5

1.30

9.75

PSB Rating 6 & 7

1.75

10.20

PSB Flexi Term Loan

PSB Rating 1 & 2

1.20

9.65

PSB Rating 3 & 4

1.30

9.75

PSB Rating 5

1.40

9.85

PSB Rating 6 & 7

1.80

10.25

Term Loan facilities repayable up to 10 years

PSB Rating 1 & 2

1.45

9.90

PSB Rating 3 & 4

1.55

10.00

PSB Rating 5

1.60

10.05

PSB Rating 6 & 7

1.85

10.30

Commercial Vehicle Loan

Upto Rs.10.00 Lakh

1.30

                                                 9.75

Above Rs.10.00 Lakh

Internal Rating

Spread

Effective EBLR (%)

1

0.60

9.05

2

0.65

9.10

3

0.70

9.15

4

0.80

9.25

5

1.95

10.40

6

2.05

10.50

7

5.60

14.05

 

PSB Guaranteed Emergency Credit Line(PSB GECL) for Business Enterprises Scheme code-ECLTL GL

0.80

9.25

PSB-PM Svanidhi Scheme

3.15

11.60

PSB-CGSSD

1.15

9.60

PSB AAROGYAM

 

Loan up to Rs. 2 Cr

0.85

9.30

 

Loan above Rs 2 Cr

1.05

9.50

 

If Guarantee Scheme on the line of ECLGS is available

1.25

9.70

PSB SANJEEVANI

 

If Guarantee Scheme on the line of ECLGS is available

0.85

9.30

 

If covered under CGTMSE

1.35

9.80

Scheme for Financing Covid Affected Tourism Service Sectors backed by Loan Guarantee Scheme for Covid Affected Tourism Service Sectors Sectors (LGSCATSS)

0.85

9.30

PSB GST EASE LOAN

Rs 10 Lac to Rs 500 Lac

PSB Rating 1 & 2

0.55

9.00

PSB Rating 3 & 4

0.70

9.15

PSB Rating 5 & 6

1.05

9.50

PSB PROFESSIONAL ASSIST

Maximum Rs 200 Lac

0.85

9.30

Doctor Special Scheme

Maximum Rs 500 Lac

0.85

9.30

PSB Mortgage

Term Loan facilities   

(For MSME)

                          As per Table 'B'

Overdraft facilities       

(For MSME)

                          As per Table 'B'

Scheme for financing Micro-Finance Institutions (MFIs)

                                                            As per Table 'B'

PSB Scheme for financing of E-Rickshaws (ECO-RIDE Scheme)

As per Table 'B'

STAND UP INDIA

As per Table 'B'

DAY NRLM (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'

             

 

 

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