Business, & agriculture finance

E Dealer Finance Scheme

A web-based cash-credit facility for authorised dealers of tied Industry Majors, with need-based finance, up to 90-day credit periods, nil margin and unified charges of ₹10,000–₹30,000.

Facility amountNeed based; the lower of past performance or projected sales and the limit recommended by the Industry Major PricingEBR-linked at repo rate + 2.65% for MSME borrowers; MCLR-linked for non-MSME borrowers Target customersAuthorised dealers, stockists, distributors and franchisees of Industry Majors with an SBI tie-up

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✓ Manually checked 1 Sept 2026 · active

Offered byState Bank of India

India; Industry Major tie-up arrangements

Key facts

What the official sources publish

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PurposeFinance for inventory purchased by authorised exclusive dealers, stockists, distributors and franchisees of Industry MajorsEffective 8 Feb 2024View source

To provide hassle free finance to authorised exclusive Dealers/stockiest/distributors/franchisees ... of Industry Majors for purchase of Inventory.

Source: E Dealer Finance Scheme — official product page
Page / section: Objective / Purpose
Accessed: 1 Sept 2026
Confidence: high

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Target customersAuthorised dealers, stockists, distributors and franchisees of Industry Majors with an SBI tie-upEffective 8 Feb 2024View source

Target Group: authorised Dealers/stockiest/distributors/franchisees. Eligibility: All Authorised dealers of Industry Majors with whom the Bank has tie-up arrangement.

Source: E Dealer Finance Scheme — official product page
Page / section: Features — Target Group; Eligibility Criteria
Accessed: 1 Sept 2026
Confidence: high

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FacilityCash creditEffective 8 Feb 2024View source

Facilities Available: Cash Credit.

Source: E Dealer Finance Scheme — official product page
Page / section: Features — Facilities Available
Accessed: 1 Sept 2026
Confidence: high

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Facility amountNeed based; the lower of past performance or projected sales and the limit recommended by the Industry MajorEffective 8 Feb 2024View source

Quantum of loan: Need based — Past Performance or Projected Sales, whichever is higher or Limit Recommended by IM, whichever is Lower.

Source: E Dealer Finance Scheme — official product page
Page / section: Features — Quantum of loan
Accessed: 1 Sept 2026
Confidence: high

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PricingEBR-linked at repo rate + 2.65% for MSME borrowers; MCLR-linked for non-MSME borrowersEffective 8 Feb 2024View source

Competitive Interest Rate Linked to (Repo rate+2.65%) (For Borrowers)/ (Non Borrowers).

Source: E Dealer Finance Scheme — official product page
Page / section: Features — Pricing
Accessed: 1 Sept 2026
Confidence: high

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Borrower marginNilEffective 8 Feb 2024View source

Borrower's Margin / Contribution: Nil.

Source: E Dealer Finance Scheme — official product page
Page / section: Features — Borrower's Margin / Contribution
Accessed: 1 Sept 2026
Confidence: high

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Credit periodUp to 90 days; yearly renewalEffective 8 Feb 2024View source

Credit period up to 90 days. Yearly renewal.

Source: E Dealer Finance Scheme — official product page
Page / section: Features — Repayment Period
Accessed: 1 Sept 2026
Confidence: high

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Unified charges₹10,000 to ₹30,000 minimum single unified charge, comprising processing, inspection, equitable mortgage and facility feesEffective 8 Feb 2024View source

Minimum single unified charges comprising of Processing Fee, Inspection Charges, Equitable Mortgages Charges, and facility fee ranging from Rs. 10,000 to Rs. 30,000/-.

Source: E Dealer Finance Scheme — official product page
Page / section: Features — Processing Fee / Upfront Fee
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Geographic limitsIndia; Industry Major tie-up arrangementsView source

The manually reviewed product record states: “India; Industry Major tie-up arrangements”.

Source: E Dealer Finance Scheme — official product page
Page / section: Published product metadata
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Cash-credit facility for inventory purchase
Web-based transactions without branch intervention
Up to 90-day credit period with yearly renewal
Nil borrower margin

Eligibility

All authorised dealers of Industry Majors with whom has a tie-up arrangement are eligible.
Transactions use Internet Banking; both pull and push repayment methods are supported.

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; the page describes the platform and eligibility but does not enumerate an applicant document checklist.

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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

Customer · Published termAuthorised Industry Major dealers/stockists/distributors/franchisees with tie-up

This value is copied from E Dealer Finance Scheme — published terms. Check the table notes before relying on it.

Source: E Dealer Finance Scheme — official product page · Purpose, Features, Eligibility and Other Conditions Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsE Dealer Finance Scheme — published termsTerms published on SBI's official page.View tableHide table

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E Dealer Finance Scheme — published terms
Item	Published term
Customer	Authorised Industry Major dealers/stockists/distributors/franchisees with tie-up
Facility	Cash credit
Amount	Need based; lower of the Industry Major limit and the higher of past/projected sales
Pricing	(, page states repo + 2.65%) or (non-)
Margin	Nil
Credit period	Up to 90 days; annual renewal
Charges	₹10,000–₹30,000 unified charge
Platform	Web-based Internet Banking; pull and push repayment methods

Other charges are stated as nil. Last updated on the page: 8 February 2024.

E Dealer Finance Scheme — official product page · Purpose, Features, Eligibility and Other Conditions · 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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E Dealer Finance Scheme

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)