Transcript Document

Small & Medium
Enterprises
•
TINY UNITS
SSI UNITS
INVESTMENT IN PLANT &
MACHINERY
MAXIMUM RS. 25.00 LACS
INVESTMENT IN PLANT &
MACHINERY MAXIMUN Rs.100.00
LACS. FOR SOME INDUSTRIES
LIKE DRUGS & PHARMACEUTICALS, HOSIERY, HAND TOOLS
ETC. THE INVESTMENT LIMIT
Rs.500.00LACS
MEDIUM ENTERPRISES
• THE UNITS WITH INVESTMENT IN PLANT
& MACHINERY IN EXCESS OF SSI
CEILINGS AND UP TO Rs. 10.00 CRORE
ARE MEDIUM ENTERPRISES ( PRESENTLY
BEING CLASSIFIED UNDER C&I
SEGMENT).
• ADVANCES TO MEDIUM ENTERPRISES
ARE NOT TO BE CONSIDERED AS
PRIORITY SECTOR ADVANCES.
SMALL & MEDIUM ENTERPRISES
INCENTIVES
DECLARED BY GOVT. OF GUJARAT
•
• SCHEME KNOWN AS “INTEREST SUBSIDY
SCHEME
TO SMALL AND MEDIUM
ENTERPRISES”
RECENTLY LAUNCHED & WILL REMAIN OPERATIONAL FOR
5 YEARS.
• ELIGIBLE UNITS : NEW UNITS AS WELL AS EXISTING UNITS
TAKING UP EXPANSION OR DIVERSIFICATION. TERMS &
CONDITIONS: ONE OF
THE CONDITION IS THAT THE UNIT
WILL HAVE TO REMAIN IN PRODUCTION AT LEAST FOR 5
YEARS FROM COMMENCEMENT OF COMMERCIAL
PRODUCTION , OTHERWISE LIABLE TO PAY BACK..
OUR SOME
SPECIAL
SCHEMES ON
SMALL &
MEDIUM
ENTERPRISES
• SBS SIB CREDIT CARD
SCHEME
• SBS SME
SMART
SCORE SCHEME
• LAGHU UDHYAMI CREDIT
CARD SCHEME
• SWAROJGAR CREDIT CARD SCHEME &
ARTISANS CREDIT CARD SCHEME
STATE BANK OF SAURASHTRA
SBS
SIB
CREDIT
CARD
 SCHEME
SBS SIB CREDIT CARD SCHEME
SALIENT FEATURES
SCHEME FOR OUR EXISTING
CUSTOMERS & CUSTOMERS OF
OTHER BANKS HAVING
EXCELLENT
PERFORMANCE
AND CREDENTIALS.
SCHEME IS BASED ON SCORING
SYSTEM. PROCESSING OF PROPOSAL MADE
SIMPLE.
SBS SIB CREDIT CARD SCHEME
CREDIT CARD
WITH CUSTOMER’S
PHOTO IS ISSUED
.
CARD VALID FOR
A PERIOD OF
THREE YEARS
SUBJECT TO
SATISFACTORY
CONDUCT OF
ACCOUNT
SBS SIB Credit Card
Card
holder’s
Photograph
with
Signature
Card No.
Name:
Account No.
Telephone No.
Limit Rs._________ Date of Issue_______
Valid up to
______________ Branch
Signature of the Branch Manager
WHAT ARE THE BENEFITS
TO CUSTOMERS
• Hassle free credit up to Rs. 10.00 lacs.
• Stock statement for W.C. half yearly (instead of
monthly) as at end of Aug. & Feb every
year.
• Margin Only @ 20%. Interest is charged at
normal rate as applicable under SSI and SBF
segments.
• Loan for Purchase of Shop up to Rs.10.00 lacs
granted under Small Business Enterprises.
SBS SIB CREDIT CARD--- LIMIT ASSESSMENT
S.S.I.
UNITS &
Tiny Sector
Units –As
per Nayak
Committee
Recommen
dations
• For SBF 20% of the annual Turnover
declared for tax purpose or last 12
month’s turnover whichever is higher.
If no sales tax return is available, then
last two years’ annual turnover is taken
for assessment.
• For Professional & SelfSBS SIB Employed persons, 100% of their
CREDIT gross annual income as per IT return
is considered as the limit for issuing
CARD
SCHEME credit card.
SBS SIB CREDIT CARD SCHEME
*
*
SECURITY
PRIMARY
 ASSETS AGAINST
WHICH FINANCE
HAS BEEN MADE
COLLATERAL

Under SSI, No Collateral Up To Rs.5.00 Lacs. For
Loans up to Rs.25000/- under SBF -- no collaterals.
Guarantee coverage under Credit Guarantee Scheme
Necessary in case of collateral free loans to eligible
accounts.
STATE BANK OF
SAURASHTRA
SBS SME
SMART
SCORE
SCHEME
SALIENT FEATURES

This scheme is specially designed for units
having credit requirement of over Rs. 5.00
lacs and below Rs.25.00 lacs under C&I , SSI,
& SBF Segments.

This Scheme is based on Scoring System .
Proposal processing is made very simple.
SBS SME SMART SCORE
SCHEME FOR SSI, SBF AND
C&I UNITS
•
Target Group:
We aim to Extend diverse
Credit Needs of Small &
Medium Enterprises (SMEs)
•
The unit may
be
Individually managed proprietorship
/ partnerships, closely held
Private / Public limited Companies.
SBS SME SMART SCORE SCHEME
WORKING CAPITAL
20% of Projected
Sales
TERM LOAN
67% of Project
Cost .
Higher requirement can be considered
on the basis of subjective assessment.
SBS SME SMART SCORE SCHEME
NO CREDIT RATING
ASSESSMENT
Interest will be charged as per
our normal Rates of Interest
under SSI, SBF & C&I segments.
SBS SME CREDIT CARD SCEHEME
 SCORING SYSTEM
:
 SCORES ON PERSONAL, BUSINESS AND COLLATERAL
CONDITIONS.
MAXIMUM MARKS :100
PERSONAL DETAILS MARKS
: 30
BUSINESS DETAILS MARKS
: 50
COLLATERAL DETAILS MARKS : 20
 MINIMUM MARKS SHOULD BE OBTAINED 60 OUT OF
100
 MINIMUM MARKS IN PERSONAL SEGMENT & BUSINESS
SEGMENT 15 & 25 (50%). MINIMUM MARKS IN
COLLATERAL 10 (EXCEPT COLLATERAL FREE LOANS
WHERE MARKS WILL BE 0)
SBS SME SMART SCORE SCHEME
 Renewal : Working Capital Limit can be
renewed every year and Term Loan can be
reviewed every year if the Credit Score is
60 & above and conduct of the account
is satisfactory.
 Repayment : 5 years for Term Loan
(excluding moratorium period not
exceeding 6 months).
STATE BANK OF
SAURASHTRA
 LAGHU
UDHYAMI
CREDIT
CARD
SCHEME
SALIENT
FEATURES
L
SCHEME IS
APPLICABLE
TO OUR
EXISTING
CUSTOMERS
ONLY
U
C
C
SCHEME IS
MADE SIMPLE
MINIMUM
PAPER WORK
LAGHU UDHYAMI CREDIT CARD
SCHEME
LUCC
WE ISSUE A PHOTO
CARD WITH LIMIT &
VALIDITY PERIOD
CARD OF
CREDIT FACILITY TO
Photo
VALID
THE ELIGIBLE
LOAN
FOR
CardCUSTOMERS.
is
THE
CREDIT CARD
IS
THREE
issued
VALID FOR THREE
YEARS
YEARS,
RENEWAL ON A YEARLY
BASIS THROUGH A
SIMPLE
REVIEWLimit
Maximum
PROCEDURE ONLY.
INTEREST
RATE
@ BPLR i.e.
11.50 % p.a.
at
present
Rs.10.00 lacs
RENEWAL
PROCESS
MADE
EASY
 LAGHU UDHYAMI CREDIT CARD

WE HAVE REMOVED THE
F
REQUIREMENT OF THE STOCK
E
STATEMENTS. THE LUCC
A/C.
HOLDERS ARE NOT
A
REQUIRED
TO SUBMIT THE
STOCK
STATEMENT.
T

U
THE FACILITY WILL BE ALLOWED
AS AN OVERDRAFT IN
R
CURRENTACCOUNT.
E
 CHEQUE BOOK WILL BE ISSUED MARKED AS ‘LUCC
STATEMENT OF A/C / PASSBOOK WILL BE
S ACCOUNT’.
GIVEN AS IN NORMAL A/C.
LAGHU UDHYAMI CREDIT CARD
 Who Are Eligible?
 ALL OUR EXISTING CUSTOMERS OF
FOLLWING CATEGORIES WHOSE DEALINGS
WITH THE BANK FOR THE LAST THREE
YEARS ARE SATISFACTORY & WHO ENJOY
LIMIT UP TO Rs. 10.00 LACS.
 CATEGORIES : SMALL BUSINESS UNITS,
RETAIL TRADERS, ARTISANS, VILLAGE
INDUSTRIES, S.S.I & TINY UNITS,
PROFESSIONALS & SELF EMPLOYED
PERSONS .
LAGHU UDHYAMI CREDIT CARD
SECURITY:
 PRIMARY:
ASSETS AGAINST WHICH FINANCE IS MADE .
 COLLATERAL:
EXISTING COLLATERAL SECURITY.
HOWEVER, FOR BORROWERS HAVING
EXCELLENT TRACK RECORD, COLLATERALS
CAN BE WAIVED. IN THAT CASE, GUARANTEE
COVERAGE WOULD BE NECESSARY.
LUCC
LIMIT ASSESSMENT
20 % OF ANNUAL TURNOVER / LAST
12 MONTHS’ TURNOVER WHICHEVER
IS HIGHER.
FOR PROF. & SELF – EMP..—50% OF
ANNUAL INCOME AS
GROSS
PER IT RETURN.
FOR S.S.I. UNITS--- AS PER NAYAK COMMITTEE
RECOMMENDATIONS
 OUR EXISTING
REGULAR
SCHEMES OF
FINANCE TO
UNITS UNDER
S.S.I. AND S.B.F.
 OUR BANK PROVIDES TERM LOAN FOR ACQUISITION
OF FIXED ASSETS WHICH INCLUDE FACTORY LAND,
BUILDING, PLANT & MACHINERY . WE GRANT
WORKING CAPITAL FOR HOLDING OF CURRENT
ASSETS WHICH INCLUDE STOCKS , RECEIVABLES. IN
SPECIAL CASES FOREIGN CURRENCY LOANS ARE
ALSO CONSIDERED.
 THE DIVERSE NEEDS OF OUR CUSTOMERS ARE MET
WITH BY OUR VARIOUS BRANCHES HAVING
EXPERTISE AND SKILLED OPERATING STAFF. WE
HAVE SPECIALISED S.S.I. BRANCHES IN FIVE CITIES.
BRANCHES ARE VESTED WITH VAST POWERS TO
CATER TO THE NEEDS OF OUR CUSTOMERS.
CUSTOMER


DIVERSE NEEDS
MET



BY OUR VARIOUS BRANCHES.
EXPERTISED AND SKILLED
OPERATING STAFF.
SPECIALISED S.M.E. BRANCHES TO CATER
TO THE SPECIFIC NEEDS OF S.S.I. & MEDIUM
ENTERPRISES.
VAST POWERS TO CATER TO THE
OF OUR CUSTOMERS.
NEEDS
 WE ASSESS THE NEED BASED CREDIT
REQUIREMENTS OF THE UNITS ON
TURNOVER METHOD OR AS PER
PROJECTED BALANCE SHEET METHOD.
 FOR S.S.I. UNITS, THERE IS NO CEILING ON
LIMIT.
 FOR S.B.F. UNITS THERE ARE CERTAIN CAP
ON LIMITS FIXED AS PER RBI GUIDELINES.
 WE PRESCRIBE MARGIN AT 20 % TO 50 %
FOR DIFFERENT TYPES OF SECURITIES.
OUR SCHEMES FOR S.S.I. & SBF
 AT PRESENT OUR BANK’S B.P.L.R. IS
11.5 % p.a. ALL OUR INTEREST RATES
IN S.S.I. & S.B.F. SEGMENTS ARE IN
THE PRICE BAND OF 2% p.a. BELOW
& ABOBE THE B.P.L.R. WE CONSIDER
LOANS AT EVEN BELOW THIS RATE
TO CERTAIN CATEGORY OF
BORROWERS.
OUR SCHEMES FOR S.S.I.
 FOR S.S.I. UNITS, RATE OF INTEREST
FOR LOANS ABOVE Rs. 25.00 LACS IS
BASED ON CREDIT RATING.
 THE CREDIT RATING IS BASED UPON
CERTAIN PARAMETERS WHICH ARE
RELATED TO BALANCE SHEET ITEMS
SUCH AS CURRENT RATIO, DEBT: EQUITY
RATIO, PROFITABILITY OF THE UNIT,
OUR SCHEMES FOR S.S.I.
INVENTORY HOLDING, ETC. CERTAIN
MARKS HAVE BEEN PRESCRIBED FOR
EACH PARAMETER. THE TOTAL MARK
OF THE UNIT WILL DENOTE THE UNIT’S
RATING AS PER BANK’S CREDIT RAING
POLICY. ON THE BASIS OF THE CREDIT
RATING THE RATE OF INTEREST WILL
BE STIPULATED.
OUR SCHEMES FOR S.S.I.
A STANDBY LINE OF CREDIT AT
15% OF THE REGULAR LIMIT
AVAILABLE TO S.S.I. UNITS WHICH
IS SANCTIONED ALONG WITH
REGULAR SANCTION TO MEET
WITH EMERGENT REQUIREMENTS.
STATE BANK OF SAURASHTRA
OUR SCHEMES FOR SMALL BUSINESS
FINANCE
• SMALL BUSINESS : SMALL BUSINESS WOULD
INCLUDE INDIVIDUALS & FIRMS MANAGING A
BUSINESS ENTERPRISE ESTABLISHED
MAINLY FOR THE PURPOSE OF PROVIDING
ANY SERVICE OTHER THAN PROFESSIONAL
SERVICE WHOSE ORIGINAL COST PRICE OF
THE EQUIPMENT USED FOR THE PURPOSE OF
BUSINESS DOES NOT EXCEED Rs.20 LACS.
•
PROFESSIONAL & SELF EMPLOYED PERSONS
 PURPOSE OF LOANS :
FOR
PURCHASE OF EQUIPMENT ,
REPAIRING OR RENOVATION OF
EXISTING EQUIPMENT AND / OR
ACQUIRING AND REPAIRING
BUSINESS PREMISES OR FOR
PURCHASING TOOLS AND/ OR
FOR WORKING CAPITAL
REQUIREMENT
TO
 MEDICAL PRACTIONERS
INCLUDING DENTISTS, CHARTERED
ACCOUNTANTS , COST
ACCOUNTANTS, PRACTISING
COMPANY SECRETARY, LAWYERS
OR SOLICITORS, ENGINEERS,
ARCHITECTS, SURVEYORS,
CONSTRUCTION CONTRACTORS
OR MANAGEMENT CONSULTANTS
PROFESSIONAL & SELF EMPLOYED PERSONS
 OR TO A PERSON TRAINED IN
ANY OTHER ART OR CRAFT
WHO HOLDS EITHER A DEGREE
OR DIPLOMA FROM ANY
INSTITUTION ESTABLISHED,
AIDED, OR RECOGNISED BY
GOVERNMENT OR TO A
PERSON WHO IS CONSIDERED
BY THE BANK AS
TECHNICALLY QUALIFIED OR
SKILLED IN THE FIELD IN
WHICH HE IS EMPLOYED.
PROFESSIONALS & SELF EMPLOYED
PERSONS
ACCREDITED JOURNALISTS AND
CAMERAMEN WHO ARE FREELANCERS
FOR PURCHASE OF EQUIPMENT FOR
THEIR PROFESSION. THERE ARE
OTHER PROFESSIONALS ALSO COVERED
UNDER THIS SCHEME. LOANS FOR PURCHASE
OF COMPUTERS ALSO COVERED UNDER THIS SCHEME. LOAN
FOR MOTOR VEHICLE ALSO CONSIDERED UNDER THE SCHEME.
 LIMIT :
(I)
NOT EXCEEDING Rs. 10.00 LACS OF WHICH Rs. 2.00
LACS FOR W.C.
 (II) FOR MEDICAL PRACTITIONERS SETTING UP PRACTICE IN
SEMI- URBAN AND RURAL AREAS THE LIMIT WILL BE Rs.15.00
LACS OF WHICH Rs. 3.00LACS FOR WORKING CAPITAL.
S.B.S. SMALL BUSINESS FINANCE
• RETAIL TRADE : RETAIL TRADERS DEALING IN
ESSENTIAL COMMODITIES & CONSUMER COOPERATIVE STORES & PRIVATE RETAIL
TRADERS WITH CREDIT LIMIT NOT EXCEEDING
Rs.10.00 LACS
 SMALL ROAD & WATER TRANSPORT
OPERATORS : ADVANCES TO SMALL ROAD
& AND WATER TRANSPORT OPERATORS
OWNING OF A FLEET OF VEHICLES NOT
EXCEEDING TEN VEHICLES, INCLUDING THE
ONE TO BE FINANCED.
S.B.S.
SMALL
BUSINESS
FINANCE
 WE PRESCRIBE A NOMINAL MARGIN
OF 20% FOR LOANS ABOVE Rs. 25,000/to Rs.50,000/- AND 25 % FOR LOANS
ABOVE Rs. 50000/-.
* IN COLLATERAL , FOR LIMIT ABOVE
Rs.25000/- , MORTGAGE OF IMMOVABLE
AT THE BANK’S DISCRETION OR THIRD
PARTY GUARANTEE.
State Bank of Saurashtra
FINANCE TO SMALL SCALE
INDUSTRIES
• Loans up to Rs.5.00 lacs to SSI units
without collateral security and loans
from Rs.5.00 lacs to Rs. 25.00 lacs to
SSI units can be considered collateral
free to units having good track
record and financials.
• For guarantee coverage of such
collateral free loans up to Rs. 25.00
lacs, our bank has become member
of Credit Guarantee Fund Trust For
Small Industries (CGTSI) set up by
Govt. Of India and SIDBI . The
coverage would be available for
collateral free loans including third
party guarantee.
S.B.S.
FINANCE TO S.S.I.
• CGTSI:
• GUARANTEE SCHEME FOR INDUSTRIAL
UNITS INCLUDING THOSE ENGAGED IN
IT/ SOFTWARE INDUSTRY. SSSBE (IR)
ALSO ELIGIBLE FOR COVERAGE.
• THE GUARANTEE COVERAGE WOULD
BE AVAILABLE @ 75 % OF THE
AMOUNT IN DEFAULT MAXIMUM Rs.
18.75 LACS.
CGTSI:
 AN UP FRONT GUARANTEE FEE @ 1.5% / 2.5% WOULD
BE PAYABLE TO THE TRUST AS ONE TIME FEE ON
SANCTIONED AMOUNT.
 AN ANNUAL SERVICE FEE @ 0.75% OF THE AMOUNT
OF LOAN SANCTIONED AS AT 31st MARCH EVERY
YEAR WOULD BE PAYABLE TO THE TRUST.
 NEW OR EXISTING UNITS ELIGIBLE FOR COVERAGE.
COVERAGE WOULD BE AVAILABLE TO NEW LOANS
OR RENEWED WORKING CAPITAL LIMITS.
 OPERATIONALISED IN SBS w.e.f. 01.11.04
S.B.S. (SCHEMES OF SIDBI FOR S.S.I.)
 CREDIT LINKED CAPITAL SUBSIDY
SCHEME FOR TECHNOLOGY
UPDRADATION OF THE SMALL SCALE
INDUSTRIES.
SUBSIDY LINKED WITH INVESTMENT
IN PLANT & MACHINERY AND LOAN
AMOUNT WITH CERTAIN TERMS &
CONDITIONS.
S.B.S. (SCHEMES OF SIDBI FOR
S.S.I.)
 CREDIT LINKED CAPITAL SUBSIDY SCHEME
 THE UNITS / PRODUCTS COVERED UNDER
THIS SCHEME ARE : BIO-TECH, COMMON
ELLUENT TREATMENT PLANT, CORRUGATED
BOXES , DRUGS & PHARMACEUTICALS, DYES
& INTERMDIATES, PLASTIC MOULDED, GOLD
PLATING & JEWELLERY, AUTO PARTS &
COMPONENTS, FOUNDRIES, FOOD
PROCESSING & OTHER SPECIFIED
PRODUCTS.
SCHEME OF KHADI & VILLAGE INDUSTRIES
COMMISSION / BOARD
 WE ARE EXTENDING CREDIT FACILITIES UNDER THE
SCHEME OF KVIC MARGIN MONEY ON MERIT OF
THE CASE.
 KVIC PROVIDES SUBSIDY IN THE FORM OF MARGIN
MONEY MAXIMUM Rs.4.00 LACS FOR A MAXIMUM
LOAN AMOUNT Rs.25.00 LACS. ( @10% FOR FIRST Rs.
10.00 LACS AND THEREAFTER @ 10% ON REMAINING
AMOUNT).
 THE SCHEME IS APPLICABLE ONLY TO NEW
INDUSTRIAL UNITS BEING SET UP IN SPECIFIED
AREAS.
OUR OTHER SCHEMES
FOR SMALL & MEDIUM
ENTERPRISES & SMALL
BUSINESS FINANCES
A HEART THROBBING SCHEME
FOR DOCTORS – DOCTOR PLUS
BASED UPON SCORING
SYSTEM
EASY PROCESSING
VERY LOW & ATTRACTIVE
INTEREST RATES
TAKE OVER FROM
OTHER BANKS
FINANCE UNDER SBF
SEGMENT
LOAN SCHEME FOR BUSINESS PREMISES

A SCHEME FOR CERTAIN SSI
& SBF BENEFICIARIES FOR
PURCHASE OF SHOP— NEW /
OLD / ESTABLISHMENT /
REPAIRS / RENOVATION /
MODERNISATION & FOR
FURNITURE & FIXTURES ETC.
MORTGAGE LOAN
FOR TRADERS &
SERVICES SECTOR
• A SCHEME FOR
•
•
•
RETAIL TRADERS , WHOLESALE
TRADERS / PROFESSIONALS & SELF EMPLOYED
PERSONS & SMALL BUSINESS ENTERPRISES.
LIMIT ALLOWED AS CASH CREDIT / TERM LOAN. MAXIMUM
LOAN AMOUNT Rs.300.00 LACS.
PRIMARY SECURITY STOCK / RECEIVABLES & FIXED ASSETS,
HOWEVER, STOCK STATAEMENT DISPENSED WITH. IT IS TO BE
SUBMITTED ONLY ONCE IN A YEAR
CREDIT FACILITIES WILL BE AGAINST
MORTGAGE OF PROPERTY OF ADEQUATE VALUE.
SBS PARYATAN PLUS
A SCHEME FOR FINANCING
TOURISM ACTIVITIES.
HOSPITALITY INDUSRY
TRANSPORTATION
ADVENTURE / OTHER TOUR
OPERATIONS
RELIGION TOURISM
OUR SCHEME FOR SMALL DIAMOND
PROCESSING UNITS
A SCHEME FOR FINANCING OVERHEADS AND
MACHINERY/EQUIPMENTS TO SMALL DIAMOND
PROCESSING UNITS HAS BEEN LAUNCHED BY
OUR BANK .
Salient features:
1.
2.
3.
4.
FACILITY BY WAY OF CLEAN CONTINGENT OVERDRAFT
MAXIMUM Rs.15.00 LACS. ( AT 50% OF AVERAGE MONTHLY
OVERHEADS)
MEDIUM TERM LOAN :
NEED BASED FOR PURCHASE OF
MACHINERY / EQUIPMENTS /COMPUTERS ETC. ON NEED BASED
BASIS.
RATE OF INTEREST: AT BANK’S BPLR AT PRESENT 11.50% P.A.
SECURITY ;
PRIMARY
: NIL
COLLATERAL : MINIMUM 150% FOR ONLY CLEAN O.D.
100% FOR TERM LOAN
100% FOR CLEAN O.D. + TERM LOAN
HASSLE FREE PROCESSING. EASY MONITORING. CUSTOMER
FRIENDLY SCHEME
• FINANCE FOR NEW AND USED CARS
TO S.S.I. AND MEDIUM ENTERPRISE
UNITS
• FINANCE AT LOWE
INTEREST RATES
• NO LINKAGE WITH THE REGULAR LIMITS
•
SIMPLE PROCEDURE