Sbi Bank Ppt

8/3/2019 Sbi Bank Ppt

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Hellomy name is


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State Bank of IndiaWith You All the Way

Presented by:Bipin Bhardwaj,DGM SME,SBI,NEW DELHI LHO

Loans to SME Units


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Cluster Financing

SBI is a pioneer and the market leader in Cluster Financing

Widest coverage with presence in almost all the clusters

Customised products for meeting the varying needs of customers

Has financed lakhs of SME units including firstgeneration entrepreneurs


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Advantages - SBI No Collateral Security required for loans below Rs.5 lacs

Understands the needs of the units better

Wide range of products

Competitive rates of interest

Coming up with simplified Credit Scoring Models for each industry

Helps strengthen Supply Chain Linkages by catering to the needs of all the players

Availability of an experienced Technical Team


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Needs AddressedFund Based Needs:

Term Loans

Working Capital Needs

Bill Purchase

Export Credit (Packing Credit/Post shipment Credit) inrupees and foreign exchange

Non-fund Based Needs:

Letter of Credit

Bank Guarantee


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Term loan needs

Fixed Capital Expenditure:

New Projects

Expansion

Modernisation

Technology Upgradation


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Working capital needs

Finance Inventories and Receivables

Pre-shipment and Post-shipment Finance

Bill discounting


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Products for Term loans

Term Loan

General Purpose Term Loan for SSIsOpen Term Loan

Car Loans


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Products for WC Requirements

Cash Credit

SME Credit Plus

Standby line of Credit

Bill Purchase/discountEPC (Export Packing Credit)

PCFC (Packing Credit in Foreign Currency)

EBRS (Export Bills Rediscount Scheme)


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Customised Products

Open Term Loan

Mortgage Loan for Traders

Car Loan for SME Units

Rice Mill Plus

Dal Mill Plus


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Project Uptech & Consultancy Cell

Project Uptech:

Unique concept which no other bank can boast of

Helps in modernisation, cost reduction and quality assurance

28 clusters covered:foundry, auto components, agro pumps, rice mills, glassindustry and sago

Activities Undertaken:

Provide Technical support

Detailed Unit level studies

Assists in preparing Business Plan


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UPTECH package

To facilitate funding of upgradation projects

Concessions Given:

Reduced MarginsLow interest rates

Interest free Equity fund assistance: Upto one lakh

Need based WC requirements

Assistance in implementation of technical aspects


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Consultancy Cell

Provides Counselling support to first time entrepreneurs

Techno-economic feasibility

Industrial dossiers and databaseConduct industrial management programs for entrepreneurs

Entrepreneurship Development Programme


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Recent Initiatives

Intensifying Cluster Financing efforts in fivemajor industries

Pharmaceuticals Textile Auto ancillaries Engg. & Fabrication Food Processing


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Recent Cluster Initiatives

Auto ancillary- Gurgaon, Pune and Chennai

Simplified scoring model to enhance Credit flow to Auto ancillary clusters across the country

Bellary Jeans Cluster identified for Project Uptech by SBI

Taken up initiatives to finance Apparel and Weaving parksBridge loans given to Implementation Agency for creating infrastructure facilities for the park

Loans under Group workshed scheme for setting up units

Loans under TUFS for acquiring machinery


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Credit Assessment Parameters

Collaterals offered

Financial&

OperationalCredibility

PromotersQualification

&Experience


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Studies initiated so far

Textiles: Ludhiana, Bellary & Surat

Pharma: Hyderabad, Baroda & Parwada

Auto ancillaries: Gurgaon, Pune and Chennai

Food Processing: Chittoor & Krishnagiri

Engineering: Batala

Others: Sivakasi, Morvi & Khurja


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SME CharacteristicsSMEs : Very attractive segment for banks

loyalty large number potential for profitability .

SMEs primary needs: Quick and timely availability of credit Understanding of business needs Physical proximity

reliability service


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TRADERS EASY LOAN

PurposeTo Provide hassle free finance to borrowers in trade& services sector who are willing to furnish

mortgage of property of adequate value.


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Eligibility

1. Existing customers.2. New connections including takeovers.3. First generation entrepreneurs as well as promoters of

existing units for the purpose of setting up new unit.

The following categories of borrowers will be covereda) Small business enterprises

b) Retail traders/wholesale tradersc) Professional and Self employed


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Special features of the Product

Nature of facility - Term Loan/Cash Credit. Quantum of Loan - M inimum Rs.25,000/Maximum Rs.10.00

crores. Interest Rate

Cash Credit: @ 0.50% below SBAR Term Loan: @ 0.25% above SBAR

Repayment - upto 60 months Security

Primary: Hypothecation of stocks and receivables.Collateral: Mortgage of land & building of realizable value of

133% of loan amount


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Terms and ConditionsMortgaged Property- 65% of the realizable value of the property.

(Realisable value of the property will be decided on the basis of thevaluation report, which is not more than three months old, of an approvedvaluer).

Term Loan review, Cash Credit renewal on an annual basis, on the basis of the level of activity, credit summation in the account, the interest servicedup to the previous quarter end, and the installments paid.

.

Stock statement to be submitted once at the time of execution of documentsand every three months.

Insurance for the full market value of the Property to be mortgaged withBank and comprehensive insurance for market value of assets acquired outof loan.


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RESTAURANT PLUS

EligibilityIndividuals (proprietorships)

Partnership firms

Corporates

Trusts (with borrowing powers)

Who are owners of Restaurants or Fast foodchains


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State Bank of IndiaWith You All the Way

Open Term Loan


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Purpose

To provide term loan to the SMEunits with pre-approved limits formultiple needs of the organizationthroughout the year


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Needs Addressed

Zero sanctioning time Covers all business needs Convenience of closing deals with suppliers

instantaneously, with pre-approved limits Liberty to decide when and how much finance

required
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Special features of the Product

Pre-sanctioned term loan limit up to a maximum of Rs. 250 lacs,valid for a period of 12 months

For Addition/replacement of machinery Building or modernizing factory Traveling abroad Buying new hardware/software, Replacing tools, jigs and fixtures Any other business related purpose

Withdrawal as per requirement Application is required only once a year


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Terms and Conditions

Maximum limit of Rs. 250 Lacs (This limit may be relaxed on case to case basis)

Loan sanctioned valid for a period of 12 months Repayment period generally not to exceed 3

years after the end of 12 months 10% uniform margin Interest rates linked to credit appraisal Simplified documentation Based on financial

statements including FFR Forms


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Financing Assistancefor Dealers of


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Purpose To provide with financial assistance to dealers of

for Working Capital Expansion of the Outlet/Showroom Service station/Other facilities construction Takeover of existing facilities with other Banks

To provide the company quicker remittance fromthe dealers across the country


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Needs Addressed

Organized source of

finance Cheaper source of

finance Quicker availability of

funds Attractive terms and

conditions Easy remittance

Facilitates Expansion

Zero receivables Franchisee loyalty Efficient Cash

Management Higher Franchisee

commission No float funds

Dealer


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Facilities/Products to be offered toDealers

Cash Credit for Working capital

LC/Bank Guarantee/Standby Line of credit over and above

cash credit for special needsTerm Loan

For expansion of outlet

For construction of service centre etc.

Corporate Internet Banking (CINB) for direct remittances


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Dealers debits his cash credit account through CINBand authorize credit in Companys account

Company faxes a copy of the Invoice to the Branchmaintaining Dealers account

After the event of sale, the dealer deposits money in hisCC account

Procedure for remittance of

funds from dealers to Company


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Terms of Sanction

Subject to establishment of viability

Acceptable Credit rating on Credit Scoring ModelAcceptable score on Risk Matrix


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Terms & Conditions of financing

Eligibility All individuals, associations, trusts,societies, partnerships, corporates having dealership

agreement with CompanyProcessing charges - 1% of the Term Loan amount(Service and other applicable taxes extra)


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Advantages for Company

Same day direct credit from Dealers MIS of payments via CINB Pan India coverage for all dealers through

single account


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Advantages for Dealers

Flexible terms and conditions CINB for bypass of Branch Quicker organized finance availability Easy remittances


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Most experienced financer in Trade financing Special sanctioning cells (SECC & CPC) for quicker

turnaround time of sanctioning and disbursal

Account Relationship Manager for entities with morethan Rs.1 crore turnover Dedicated branch network

SBI Advantage


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Mo.No. :- 94279-13540

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Sbi Bank Ppt