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Business, & agriculture finance

ABL (Saral)

asset-backed working-capital and business-purpose finance above ₹10 lakh up to ₹5 crore, with a 25% borrower margin, up to 180-month dropline overdraft and property security at 65% .

Loan amountMore than ₹10 lakh to ₹5 crorePricingFor MSMEs, EBR linked to repo rate; SBI page states current EBR as repo rate + 2.65%. For non-MSMEs, 6-month MCLR linked. Final rate is based on borrower/external or scheme-specific rating and bank guidelines.Target customersBusiness units in manufacturing and services, self-employed and professional individuals, and wholesale/retail trade
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Quick eligibility check

ABL (Saral)

0 of 3 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: Business units in manufacturing and services, self-employed and professional individuals, and wholesale/retail trade?

Published source: Target customers

2Are you this type of customer: All business units engaged in manufacturing or services, self-employed and professional individuals, and wholesale/retail trade are included in the target group?

3Are you this type of customer: Security must be compliant with the SARFAESI Act and may belong to the unit, proprietor, partners, directors or near relatives?

0 of 3 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India; lending centres

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

PurposeBuild-up of current and fixed assets, capacity expansion, modernization and short-term working capital, including shoring up net working capitalEffective 9 Feb 2024View source
For build-up of current assets and fixed assets needed for business purpose, capacity expansion, modernization, short-term working capital (including shoring up of Net Working Capital, etc).
Source
ABL (Saral) — official product page
Page / section
Objective / Purpose
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
FacilitiesDrop-line overdraft, cash credit and non-fund-based facilityEffective 9 Feb 2024View source
Facilities Available: Drop-line Overdraft facility, Cash Credit, NFB Facility.
Source
ABL (Saral) — official product page
Page / section
Features — Facilities Available
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Target customersBusiness units in manufacturing and services, self-employed and professional individuals, and wholesale/retail tradeEffective 9 Feb 2024View source
Target Group: All Business Units who want to avail loan facility for manufacturing and services activities along with self-employed and professional individuals, wholesale/retail trade.
Source
ABL (Saral) — official product page
Page / section
Features — Target Group
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Loan amountAbove ₹10 lakh to ₹5 croreEffective 9 Feb 2024View source
Quantum of loan: Minimum: Above Rs.10.00 lakh. Maximum: Rs.5.00 Cr.
Source
ABL (Saral) — official product page
Page / section
Features — Quantum of loan
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
PricingFor MSMEs, EBR linked to repo rate; SBI page states current EBR as repo rate + 2.65%. For non-MSMEs, 6-month MCLR linked. Final rate is based on borrower/external or scheme-specific rating and bank guidelines.Effective 9 Feb 2024View source
Attractive Interest rates based on rating... (Linked to Repo Rate and Currently is Repo Rate + 2.65%) linked (for ) & 6 months linked (for Non-).
Source
ABL (Saral) — official product page
Page / section
Features — Pricing
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Borrower margin25%Effective 9 Feb 2024View source
Borrower's Margin / Contribution: 25%.
Source
ABL (Saral) — official product page
Page / section
Features — Borrower's Margin / Contribution
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Tenure180 monthsEffective 30 Apr 2025View source
Repayment: Tenor of the loan is 180 months
Source
Bouquet of Products and Services — Version 3.0 (Business loan section)
Page / section
Printed page 30 / physical page 37 — Asset Backed Loan (Saral)
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
Processing / upfront feeUp to 0.65% of the loan amountEffective 9 Feb 2024View source
Processing Fee/ Upfront Fee: Up to 0.65% of the loan amount.
Source
ABL (Saral) — official product page
Page / section
Features — Processing Fee / Upfront Fee
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Other chargesAs per SBI bank guidelines; charges are appraised to the borrower before sanctionEffective 9 Feb 2024View source
Other Charges: As per Bank Guidelines which will be appraised to the borrower before sanction of loans.
Source
ABL (Saral) — official product page
Page / section
Features — Other Charges
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Collateral securityImmovable property compliant under the SARFAESI Act, belonging to the unit, proprietor, partners, directors or their near relativesEffective 9 Feb 2024View source
Immovable (compliant under SARFAESI Act) belonging to the unit, its proprietor/partners/directors or their near relatives.
Source
ABL (Saral) — official product page
Page / section
Features — Special Feature
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Property finance ratio65% of the realizable value of immovable propertyEffective 30 Apr 2025View source
Immovable property: 65% of the realizable value
Source
Bouquet of Products and Services — Version 3.0 (Business loan section)
Page / section
Printed page 30 / physical page 37 — Asset Backed Loan (Saral)
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
Loan amountMore than ₹10 lakh to ₹5 croreEffective 30 Apr 2025View source
Quantum of Finance: > Rs.10 lakh to Rs.5 Cr
Source
Bouquet of Products and Services — Version 3.0 (Business loan section)
Page / section
Printed page 30 / physical page 37 — Asset Backed Loan (Saral)
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndia; SBI SME lending centresView source
The manually reviewed product record states: “India; lending centres”.
Source
ABL (Saral) — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Dropline overdraft, cash-credit and non-fund-based facilities
  • Above ₹10 lakh to ₹5 crore
  • 12–180-month dropline overdraft period
  • 65% on compliant immovable property

Eligibility

  • All business units engaged in manufacturing or services, self-employed and professional individuals, and wholesale/retail trade are included in the target group.
  • Security must be compliant with the SARFAESI Act and may belong to the unit, proprietor, partners, directors or near relatives.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Not published on the reviewed official product page; says other charges and appraisal details are communicated before sanction.

Related official documents

ABL (Saral) — official SBI product pageofficial-product-page · current · accessed 1 Sept 2026
↗
SBI Bouquet of Products and Services — Version 3.0 (Business loan section)official-pdf · current · accessed 10 Sept 2026
↗

Plan before applying

Try the numbers

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹13,431thirteen thousand four hundred thirty-one rupees
Interest paid over the full loan₹7,23,444seven lakh twenty-three thousand four hundred forty-four rupees
Everything you repay₹32,23,444thirty-two lakh twenty-three thousand four hundred forty-four rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Purpose · Published termCurrent/fixed assets, expansion, modernization and working capital

This value is copied from ABL (Saral) — published terms. Check the table notes before relying on it.

Source: ABL (Saral) — official product page · Objective, Features and Special Feature Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 9 rows · 2 columnsABL (Saral) — published termsAll material product terms published on SBI's page.View tableHide table

Scroll sideways to view every column

ABL (Saral) — published terms
ItemPublished term
PurposeCurrent/fixed assets, expansion, modernization and working capital
FacilitiesDropline , cash credit and non-fund-based
AmountAbove ₹10 lakh to ₹5 crore
Pricing -linked (page states repo + 2.65%); non- 6-month -linked
Margin25%
RepaymentDropline 12–180 months; maximum six-month moratorium; cash credit on demand
Processing feeUp to 0.65%
SecuritySARFAESI-compliant immovable property
65% of realizable property value
  • Other charges follow guidelines and are appraised before sanction.
  • Last updated on the page: 9 February 2024.
ABL (Saral) — official product page · Objective, Features and Special Feature · accessed 1 Sept 2026Open official source ↗
Table 2 · 13 rows · 4 columnsBusiness-loan panelsView tableHide table

Scroll sideways to view every column

Business-loan panels
Product or variantPublished purpose / eligibilityAmount / rate / feeTenure / margin / security
Cash Credit (Working Capital)Manufacturing, trade and services; limits assessed on audited financials/cash flow and projectionsCompetitive rating-linked interest; amount not publishedFacility subject to bank policy
Term LoanManufacturing, trade and services acquiring fixed assets or expanding capacityCompetitive internal/external-rating-linked interest; amount not publishedCollateral as per bank policy
e-DFSDealers/distributors recommended by an Industry Major/6-month -linked; minimum 25% collateral securityCash-credit inventory funding
e-VFS — vendor exposureVendors of reputed corporates; peak monthly sales plus 20% contingency100% invoice funding; ₹10,000–₹30,000 unified charges; nil collateralClean cash credit; T-Bill-linked pricing; in-principle digital sanction up to ₹50 crore
e-VFS — Industry Major exposureCorporate's peak monthly purchases; no individual vendor limit100% invoice funding; no primary security; clean or security-backed by risk assessmentT-Bill-linked pricing; liberalised documentation
Export FinanceExporters using EPC, FBP, , and Exporters Gold CardCompetitive/T-Bill-linked pricing; Interest Equalisation Scheme where eligibleNeed-based limits based on export turnover/orders; collateral as per policy
Asset Backed Loan (Saral)Loan against propertyMore than ₹10 lakh to ₹5 crore; 65% of realizable property value180 months; no primary security envisaged
ABLLoan against propertyMore than ₹5 crore to ₹20 crore; 60% of realizable property value240 months; no primary security envisaged
Car LoanPromoter/partner/director gross taxable income ₹3 lakh+; vehicle purchaseUp to ₹5 crore or 4× annual income, lower of the two5 or 7 years; no collateral, vehicle hypothecation
Fleet FinanceThree years' experience; regular scheme requires 10-vehicle fleet₹50 lakh–₹50 crore tie-up; ₹50 lakh–₹5 crore regular72 months incl. 5-month moratorium tie-up; 60 months regular; regular
Healthcare Business LoanHealthcare practitioners, hospitals, diagnostics, pharmacies and manufacturers₹10 lakh–₹50 crore; cash credit capped at ₹5 crore10 years incl. 18-month moratorium; 25% tangible collateral above ₹5 crore
Finance to Solar VendorsExisting solar vendors/channel partners/sub-contractors registered with MNREMore than ₹10 lakh to ₹5 crore; processing fee per extant card ratesCash credit; no collateral; cover
EV MitraExisting/prospective and non- businesses setting up public/captive/battery-swapping stationsMore than ₹10 lakh to ₹5 crore; minimum 25% borrower contribution8 years incl. 9-month moratorium; processing fee per extant card rates; amenities capped at 25% of project cost or ₹100 lakh
  • Every row is transcribed from the rendered panels; an amount, fee or security rule is left unpublished when the panel is silent.
Bouquet of Products and Services — Version 3.0 (Business loan section) · Printed pages 29–31 / physical pages 36–38 · accessed 10 Sept 2026Open official source ↗

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