PSB Repo Linked Rate (PRLR): 8.54% (Repo: 6.50 + Markup: 2.04) w.e.f. 09-02-2023
Effective EBLR: PRLR + Spread
Housing Loan
|
PSB Apna Ghar & Kisan Home Loan |
CIBIL Credit Vision Score |
Spread (%) |
Effective EBLR % |
|
768-900 |
0.41 |
8.95 |
|
|
753-767 |
0.51 |
9.05 |
|
|
732-752 |
0.71 |
9.25 |
|
|
690-731 or -1,3,4,5 |
1.06 |
9.60 |
|
|
641-689* |
1.41 |
9.95 |
|
PSB Apna Ghar Sahaj & Gaurav: |
CIBIL Credit Vision Score |
Spread (%) |
Effective EBLR % |
|
768-900 |
0.31 |
8.85 |
|
|
753-767 |
0.41 |
8.95 |
|
|
732-752 |
0.61 |
9.15 |
|
|
690-731 or -1,3,4,5 |
0.96 |
9.50 |
|
|
641-689* |
1.31 |
9.85 |
|
PSB Apna Ghar Top Up: |
CIBIL Credit Vision Score |
Spread (%) |
Effective EBLR % |
|
768-900 |
0.76 |
9.30 |
|
|
753-767 |
0.86 |
9.40 |
|
|
732-752 |
1.06 |
9.60 |
|
|
690-731 or -1,3,4,5 |
1.41 |
9.95 |
|
|
641-689* |
1.86 |
10.40 |
* Loan can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.
PSB Apna Vahan
|
Four Wheeler Vehicle |
CIBIL Credit Vision Score |
Spread (%) |
Effective EBLR % |
|
768-900 |
0.51 |
9.05 |
|
|
753-767 |
0.61 |
9.15 |
|
|
732-752 |
0.81 |
9.35 |
|
|
690-731 or -1,3,4,5 |
1.16 |
9.70 |
|
|
641-689* |
1.51 |
10.05 |
|
|
Two Wheeler Vehicle |
768-900 |
3.76 |
12.30 |
|
753-767 |
3.86 |
12.40 |
|
|
732-752 |
4.06 |
12.60 |
|
|
690-731 or -1,3,4,5 |
4.41 |
12.95 |
|
|
641-689* |
4.86 |
13.40 |
|
|
Old Four Wheeler Vehicle |
768-900 |
2.56 |
11.10 |
|
753-767 |
2.66 |
11.20 |
|
|
732-752 |
2.86 |
11.40 |
|
|
690-731 or -1,3,4,5 |
3.21 |
11.75 |
|
|
641-689* |
3.66 |
12.20 |
PSB APNA VAHAN SUGAM:
|
Product |
CIBIL Credit Vision Score |
Spread (%) |
Effective EBLR % |
|
New Four Wheeler |
768-900 |
0.46 |
9.00 |
|
753-767 |
0.56 |
9.10 |
|
|
732-752 |
0.76 |
9.30 |
|
|
690-731 or -1,3,4,5 |
1.11 |
9.65 |
|
|
641-689* |
1.46 |
10.00 |
|
|
New Two Wheeler |
768-900 |
2.76 |
11.30 |
|
753-767 |
2.86 |
11.40 |
|
|
732-752 |
3.06 |
11.60 |
|
|
690-731 or -1,3,4,5 |
3.41 |
11.95 |
|
|
641-689* |
3.86 |
12.40 |
PSB E-VAHAN
|
Product |
CIBIL Credit Vision Score |
Spread (%) |
Effective EBLR % |
|
New Four Wheeler -Individual |
768-900 |
0.46 |
9.00 |
|
753-767 |
0.56 |
9.10 |
|
|
732-752 |
0.76 |
9.30 |
|
|
690-731 or -1,3,4,5 |
1.11 |
9.40 |
|
|
641-689* |
1.56 |
10.10 |
|
|
New Four Wheeler -Non-Individual # |
1 or AAA |
0.46 |
9.00 |
|
2 or AA |
0.56 |
9.10 |
|
|
3-4 or A |
0.76 |
9.30 |
|
|
5-6 or BBB |
1.11 |
9.65 |
|
|
BB and Below |
1.56 |
10.10 |
PSB APNA VAHAN FOR OTHER THAN INDIVIDUAL
|
For New Four Wheeler |
Commercial CIBIL RANK / External Rating# |
Spread (%) |
Effective EBLR % |
|
1 or AAA |
0.51 |
9.05 |
|
|
2 or AA |
0.61 |
9.15 |
|
|
3-4 or A |
0.81 |
9.30 |
|
|
5-6 or BBB |
1.16 |
9.70 |
|
|
BB and below |
1.51 |
10.05 |
|
|
For Old Four Wheeler |
1 or AAA |
2.81 |
11.35 |
|
2 or AA |
2.91 |
11.45 |
|
|
3-4 or A |
3.11 |
11.65 |
|
|
5-6 or BBB |
3.46 |
12.00 |
|
|
BB and below |
3.91 |
12.45 |
# External Credit Rating is applicable for determining the pricing of loan in case both Commercial CIBIL Rank and External Rating are available.
PSB Personal Loan
|
CIBIL Credit Vision Score |
Spread (%) |
Effective EBLR % |
|
|
Government PSU/ Pensioners/ Approved Educational Institute |
768-900 |
2.61 |
11.15 |
|
753-767 or -1,3,4,5 |
2.71 |
11.25 |
|
|
732-752 |
2.91 |
11.45 |
|
|
690-731 |
3.26 |
11.80 |
|
|
641-689* |
3.71 |
12.25 |
|
|
Private Employee/ MNC |
768-900 |
3.11 |
11.65 |
|
753-767 or -1,3,4,5 |
3.21 |
11.75 |
|
|
732-752 |
3.41 |
11.95 |
|
|
690-731 |
3.76 |
12.30 |
|
|
641-689* |
4.21 |
12.75 |
|
PSB Sukhmoney (Reverse Mortgage Loan Scheme) |
|||
|
|
CIBIL Credit Vision Score |
Spread (%) |
Effective EBLR % |
|
Up to Rs.20 lakh |
768-900 |
2.21 |
10.75 |
|
753-767 |
2.31 |
10.85 |
|
|
732-752 |
2.51 |
11.05 |
|
|
690-731 or -1,3,4,5 |
2.86 |
11.40 |
|
|
641-689* |
3.56 |
12.10 |
|
|
Above Rs.20 lakh |
768-900 |
2.71 |
11.25 |
|
753-767 |
2.81 |
11.35 |
|
|
732-752 |
3.01 |
11.55 |
|
|
690-731 or -1,3,4,5 |
3.36 |
11.90 |
|
|
641-689* |
4.06 |
12.60 |
|
|
PSB Mortgage - Term Loan Facilities (for Personal Use) |
CIBIL Credit Vision Score |
Spread (%) |
Effective EBLR % |
|
768-900 |
1.51 |
10.05 |
|
|
753-767 |
1.61 |
10.15 |
|
|
732-752 |
1.81 |
10.35 |
|
|
690-731 or -1,3,4,5 |
2.41 |
10.95 |
|
|
641-689* |
2.76 |
11.30 |
|
PSB Rent for General Public |
CIBIL Credit Vision Score |
Spread (%) |
Effective EBLR % |
|
768-900 |
1.61 |
10.15 |
|
|
753-767 |
1.71 |
10.25 |
|
|
732-752 |
1.91 |
10.45 |
|
|
690-731 or -1,3,4,5 |
2.26 |
10.80 |
|
|
641-689* |
2.71 |
11.25 |
|
PSB Rent for Landlords Of Our Bank Premises |
Spread (%) |
Effective EBLR % |
|
1.06 |
9.60 |
|
PSB Rent for General Public |
Commercial CIBIL Rank/ External Rating# |
Spread (%) |
Effective EBLR % |
|
1 or AAA |
1.51 |
10.05 |
|
|
2 or AA |
1.61 |
10.15 |
|
|
3-4 or A |
1.81 |
10.35 |
|
|
5-6 or BBB |
2.16 |
10.70 |
# External Credit Rating is applicable for determining the pricing of loan in case both Commercial CIBIL Rank and External Rating are available.
Education Loan
|
Product Information |
|
Spread (%) |
Effective EBLR % |
|
IBA Model Education Loan Scheme |
Loan up to Rs.4.00 Lakh |
3.06 |
11.60 |
|
Loan Above Rs.4 lakh & up to Rs.7.50 Lakh |
2.01 |
10.55 |
|
|
Above Rs.7.50 Lakh |
0.76 |
9.30 |
|
|
IBA Skill Loan |
Loan up to Rs. 1.50 Lakh |
3.06 |
11.60 |
|
PSB Excellence Education Loan |
Category of Institute |
Spread (%) |
Effective EBLR % |
|
AA |
0.56 |
9.10 |
|
|
A |
0.76 |
9.30 |
|
PSB GOLD LOAN (PSB Swarn Shakti & PSB Krishi Swarn Kanti) |
Spread (%) |
Effective EBLR % |
|
0.31 |
8.85 |
|
SB OD & Family Bonding |
Spread (%) |
Effective EBLR % |
|
2.31 |
10.85 |
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 |
0.96 |
9.50 |
|
Above 5 Lakh to 10 lakh |
1.81 |
10.35 |
Funded Exposure above Rs.10 Lakh (Collateral 100% & Above)
|
Internal Rating |
Spread (%) |
Effective EBLR % |
|
1 |
0.51 |
9.05 |
|
2 |
0.56 |
9.10 |
|
3 |
0.61 |
9.15 |
|
4 |
0.71 |
9.25 |
|
5 |
0.86 |
9.40 |
|
6 |
1.96 |
10.50 |
|
7 |
5.51 |
14.05 |
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% |
>=25% to <50% |
<25% |
||||
|
Additional premium in BSP |
5 bps |
10 bps |
15 bps |
20 bps |
||||
2. 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 10 bps shall be loaded.
3. Loans covered under any Government Guarantee Scheme which covers 100% exposure shall be considered as 100% collaterally secured.
|
PRIORITY SECTOR (MSME) SCHEMES |
Product information |
Spread (%) |
Effective EBLR % |
|
PSB Krishak Mitra* |
Up to Rs.100 lakh |
1.11 |
9.65 |
|
Above Rs.100 lakh |
1.36 |
9.90 |
|
|
Vyapar Loan* |
Overdraft facilities |
0.76 |
9.30 |
|
Working Capital Term Loan facilities repayable up to 5 years |
0.96 |
9.50 |
|
|
Term Loan facilities repayable up to 10 years |
1.16 |
9.70 |
|
|
PSB Liquid Plus Scheme* |
Overdraft facilities |
0.76 |
9.30 |
|
Working Capital Term Loan facilities repayable up to 5 years |
0.96 |
9.50 |
|
|
Term Loan facilities repayable up to 10 years |
1.16 |
9.70 |
|
|
Commercial Vehicle Loan* |
Upto Rs.10.00 Lakh |
1.21 |
9.75 |
|
Above Rs.10.00 Lakh |
As per Table 'B' |
||
|
PSB Contractor Plus* |
Overdraft facilities |
0.76 |
9.30 |
|
PSB Flexi Term Loan |
0.96 |
9.50 |
|
|
Term Loan facilities repayable up to 10 years |
1.16 |
9.70 |
|
|
PSB Guaranteed Emergency Credit Line(PSB GECL) for Business Enterprises Scheme code-ECLTL GL |
|
0.76 |
9.30 |
|
PSB-PM Svanidhi Scheme |
3.06 |
11.60 |
|
|
PSB-CGSSD |
|
1.06 |
9.60 |
|
PSB AAROGYAM |
Loan up to Rs. 2 Cr |
0.76 |
9.30 |
|
Loan above Rs 2 Cr |
0.96 |
9.50 |
|
|
If Guarantee Scheme on the line of ECLGS is available |
1.16 |
9.70 |
|
|
PSB SANJEEVANI |
If Guarantee Scheme on the line of ECLGS is available |
0.76 |
9.30 |
|
If covered under CGTMSE |
1.26 |
9.80 |
|
|
Scheme for Financing Covid Affected Tourism Service Sectors backed by Loan Guarantee Scheme for Covid Affected Tourism Service Sectors Sectors (LGSCATSS) |
0.76 |
9.30 |
|
|
PSB GST EASE LOAN |
Rs 10 Lac to Rs 200 Lac |
0.76 |
9.30 |
|
PSB PROFESSIONAL ASSIST |
Maximum Rs 200 Lac |
0.76 |
9.30 |
|
PRIORITY SECTOR (MSME) SCHEMES |
Product information |
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 Mortgage |
Term Loan facilities |
As per Table 'B' |
|
(For MSME) |
||
|
Overdraft facilities |
As per Table 'B' |
|
|
(For MSME) |
||
|
Scheme for financing Micro-Finance Institutions (MFIs) |
As per Table 'B' |
|
|
PSB Scheme for financing of E-Rickshaws |
As per Table 'B' |
|
|
(ECO-RIDE Scheme) |
As per Table 'B' |
|
|
STAND UP INDIA |
As per Table 'B' |
|
|
As per Table 'B' |
||
|
DAY NRLM (For MSME) |
As per Table 'B' |
|
|
As per Table 'B' |
||
|
DAY NULM (For MSME) |
As per Table 'B' |
|
|
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' |
|
TABLE- ‘C’
ROI for Rupee Export Credit
Pre- Shipment Credit
|
Pre - Shipment Credit |
Internal Rating |
Spread (%) |
Effective EBLR % |
|
Upto 270 Days |
1 |
1.11 |
9.65 |
|
2 |
1.16 |
9.70 |
|
|
3 |
1.21 |
9.75 |
|
|
4 |
1.31 |
9.85 |
|
|
5 |
1.46 |
10.00 |
|
|
6 |
2.31 |
10.85 |
|
|
7 |
5.86 |
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 Rate As Per Rating + 6.00 |
||
|
If Advance Is Adjusted Out Funds From Own Sources |
Applicable Rate As Per Rating + 6.00 |
||
|
( Applicable From The Date Of Advance On Amount So Adjusted) |
|||
|
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 |
1 |
1.01 |
9.55 |
|
|
2 |
1.06 |
9.60 |
||
|
3 |
1.11 |
9.65 |
||
|
4 |
1.21 |
9.75 |
||
|
5 |
1.36 |
9.90 |
||
|
6 |
2.21 |
10.75 |
||
|
7 |
5.76 |
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 Rate As Per Rating + 6.00 |
|||
|
Against Incentive Receivables From Govt. |
2.81 |
11.35 |
||
|
Against Undrawn Balance ( Upto 90 Days) |
2.81 |
11.35 |
||
|
Against Retention Money (For Supplies Portion Only) |
2.81 |
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 |
