Business, & agriculture finance

Asset Backed Loan

asset-backed finance above ₹5 crore up to ₹20 crore, with case-by-case lending up to ₹50 crore, 25% margin, up to 240-month dropline overdraft and 60% property security.

Loan amountMore than ₹5 crore to ₹20 crore 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 rating and guideline dependent.Target customers and eligibilityManufacturing/services and wholesale/retail businesses, self-employed and professionals under MSMED Act; existing borrowers, new units with marketable assets and qualifying takeovers

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✓ Manually checked 1 Sept 2026 · active

Offered byState Bank of India

India; lending centres

Key facts

What the official sources publish

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PurposeBuild-up of current and fixed assets, capacity expansion, modernization and short-term working capital, including shoring up net working capitalEffective 26 Feb 2026View 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: Asset Backed Loan — official product page
Page / section: Purpose
Accessed: 1 Sept 2026
Confidence: high

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FacilitiesDrop-line overdraft or cash creditEffective 26 Feb 2026View source

Facilities Available: Drop-line Overdraft facility OR Cash Credit.

Source: Asset Backed Loan — official product page
Page / section: Features — Facilities Available
Accessed: 1 Sept 2026
Confidence: high

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Target customers and eligibilityManufacturing/services and wholesale/retail businesses, self-employed and professionals under MSMED Act; existing borrowers, new units with marketable assets and qualifying takeoversEffective 26 Feb 2026View source

Target Group includes all business units... self-employed and professional individuals covered by MSMED Act 2006... Eligibility lists existing customers, new units with marketable assets and takeovers with satisfactory track record.

Source: Asset Backed Loan — official product page
Page / section: Features — Target Group; Eligibility Criteria
Accessed: 1 Sept 2026
Confidence: high

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Loan amountMore than ₹5 crore to ₹20 crore; up to ₹50 crore may be permitted case by caseEffective 26 Feb 2026View source

Minimum Loan Amount as > Rs.5 Cr; Maximum loan amount: Rs. 20 Cr. [Loan amount up to Rs.50 Cr may be permitted on a case-to-case basis].

Source: Asset Backed Loan — official product page
Page / section: Features — Quantum of Loan
Accessed: 1 Sept 2026
Confidence: high

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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 rating and guideline dependent.Effective 26 Feb 2026View source

(Linked to Repo Rate and Currently is Repo Rate + 2.65%) linked (for ) & 6 months linked (for Non-).

Source: Asset Backed Loan — official product page
Page / section: Features — Pricing
Accessed: 1 Sept 2026
Confidence: high

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Borrower margin25%Effective 26 Feb 2026View source

Borrower's Margin / Contribution: 25%.

Source: Asset Backed Loan — official product page
Page / section: Features — Borrower's Margin / Contribution
Accessed: 1 Sept 2026
Confidence: high

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Tenure240 monthsEffective 30 Apr 2025View source

Repayment: Tenor of the loan is 240 months

Source: Bouquet of Products and Services — Version 3.0 (Business loan section)
Page / section: Printed page 30 / physical page 37 — ABL
Accessed: 10 Sept 2026
Confidence: high

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Processing / upfront feeDropline OD: 1% of limits at sanction, capped at ₹10 lakh; 1% on any restituted amount at annual review. Cash credit: once yearly, up to 0.65% of loan amount.Effective 26 Feb 2026View source

For Dropline : Upfront/processing fee of 1% ... maximum of Rs.10 lakhs... For Cash Credit: Once in a year. (Up to 0.65% of the loan amount).

Source: Asset Backed Loan — official product page
Page / section: Features — Processing Fee / Upfront Fee
Accessed: 1 Sept 2026
Confidence: high

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Other chargesAs per SBI bank guidelines; charges are appraised to the borrower before sanctionEffective 26 Feb 2026View source

Other Charges: As per Bank Guidelines which will be appraised to the borrower before sanction of loans.

Source: Asset Backed Loan — official product page
Page / section: Features — Other Charges
Accessed: 1 Sept 2026
Confidence: high

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Collateral securitySARFAESI-compliant immovable property belonging to the unit, proprietor, partners, directors or near relativesEffective 26 Feb 2026View source

Immovable property (compliant under SARFAESI Act) belonging to the unit, its proprietor/partners/directors or their near relatives.

Source: Asset Backed Loan — official product page
Page / section: Collateral Security
Accessed: 1 Sept 2026
Confidence: high

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Property finance ratio60% of the realizable value of immovable propertyEffective 30 Apr 2025View source

Immovable property: 60% of the realizable value

Source: Bouquet of Products and Services — Version 3.0 (Business loan section)
Page / section: Printed page 30 / physical page 37 — ABL
Accessed: 10 Sept 2026
Confidence: high

Open official source ↗

Loan amountMore than ₹5 crore to ₹20 croreEffective 30 Apr 2025View source

Quantum of Finance: > Rs.5 Cr to Rs.20 Cr

Source: Bouquet of Products and Services — Version 3.0 (Business loan section)
Page / section: Printed page 30 / physical page 37 — ABL
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: Asset Backed Loan — official product page
Page / section: Published product metadata
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Dropline overdraft or cash credit
Above ₹5 crore to ₹20 crore; up to ₹50 crore case by case
12–240-month dropline overdraft period
60% on compliant immovable property

Eligibility

Existing customers already availing credit facilities, new units with marketable assets, and takeovers from other banks/FIs with a satisfactory track record are listed.
Udyam Registration Certificate is mandatory for units; non- may also be financed.

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.

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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.

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TableItem

Facilities · Published termDropline or cash credit

This value is copied from Asset Backed Loan — published terms. Check the table notes before relying on it.

Source: Asset Backed Loan — official product page · Features, Eligibility Criteria and Collateral Security 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 columnsAsset Backed Loan — published termsAll material product terms published on SBI's page.View tableHide table

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Asset Backed Loan — published terms
Item	Published term
Facilities	Dropline or cash credit
Amount	Above ₹5 crore to ₹20 crore; up to ₹50 crore case by case
Pricing	-linked (page states repo + 2.65%); non- 6-month -linked
Margin	25%
Repayment	Dropline 12–240 months; maximum 18-month moratorium; cash credit on demand
Processing fee	Dropline 1%, capped ₹10 lakh; cash credit up to 0.65% annually
Security	SARFAESI-compliant immovable property
	60% of realizable property value
Eligibility	Existing borrowers, new units with marketable assets and qualifying takeovers

Udyam Registration Certificate is mandatory for units; other charges follow guidelines.
Last updated on the page: 26 February 2026.

Asset Backed Loan — official product page · Features, Eligibility Criteria and Collateral Security · accessed 1 Sept 2026Open official source ↗

Table 2 · 13 rows · 4 columnsBusiness-loan panelsView tableHide table

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Business-loan panels
Product or variant	Published purpose / eligibility	Amount / rate / fee	Tenure / margin / security
Cash Credit (Working Capital)	Manufacturing, trade and services; limits assessed on audited financials/cash flow and projections	Competitive rating-linked interest; amount not published	Facility subject to bank policy
Term Loan	Manufacturing, trade and services acquiring fixed assets or expanding capacity	Competitive internal/external-rating-linked interest; amount not published	Collateral as per bank policy
e-DFS	Dealers/distributors recommended by an Industry Major	/6-month -linked; minimum 25% collateral security	Cash-credit inventory funding
e-VFS — vendor exposure	Vendors of reputed corporates; peak monthly sales plus 20% contingency	100% invoice funding; ₹10,000–₹30,000 unified charges; nil collateral	Clean cash credit; T-Bill-linked pricing; in-principle digital sanction up to ₹50 crore
e-VFS — Industry Major exposure	Corporate's peak monthly purchases; no individual vendor limit	100% invoice funding; no primary security; clean or security-backed by risk assessment	T-Bill-linked pricing; liberalised documentation
Export Finance	Exporters using EPC, FBP, , and Exporters Gold Card	Competitive/T-Bill-linked pricing; Interest Equalisation Scheme where eligible	Need-based limits based on export turnover/orders; collateral as per policy
Asset Backed Loan (Saral)	Loan against property	More than ₹10 lakh to ₹5 crore; 65% of realizable property value	180 months; no primary security envisaged
ABL	Loan against property	More than ₹5 crore to ₹20 crore; 60% of realizable property value	240 months; no primary security envisaged
Car Loan	Promoter/partner/director gross taxable income ₹3 lakh+; vehicle purchase	Up to ₹5 crore or 4× annual income, lower of the two	5 or 7 years; no collateral, vehicle hypothecation
Fleet Finance	Three years' experience; regular scheme requires 10-vehicle fleet	₹50 lakh–₹50 crore tie-up; ₹50 lakh–₹5 crore regular	72 months incl. 5-month moratorium tie-up; 60 months regular; regular
Healthcare Business Loan	Healthcare practitioners, hospitals, diagnostics, pharmacies and manufacturers	₹10 lakh–₹50 crore; cash credit capped at ₹5 crore	10 years incl. 18-month moratorium; 25% tangible collateral above ₹5 crore
Finance to Solar Vendors	Existing solar vendors/channel partners/sub-contractors registered with MNRE	More than ₹10 lakh to ₹5 crore; processing fee per extant card rates	Cash credit; no collateral; cover
EV Mitra	Existing/prospective and non- businesses setting up public/captive/battery-swapping stations	More than ₹10 lakh to ₹5 crore; minimum 25% borrower contribution	8 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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Asset Backed Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Asset Backed Agriculture Loan (ABAL)

ABL (Saral)

Agri Clinic and Agri Business Centres Loan

Agri & Food Enterprises Loan (AFEL)