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Business, & agriculture finance

Finance to Bio-fuel Projects

project finance for new or expanded bio-fuels extraction plants and related storage/distribution, with term loan, working capital, and facilities, 10–12-year repayment and 30% project-cost margin.

Facility amount₹50 crore maximum handled by R&DB; above ₹50 crore handled by CCG or designated SME-intensive branchesInterest rate / benchmarkSBI's product page links MSME pricing to EBR and non-MSME pricing to 6-month MCLR, subject to borrower/scheme rating. Current published bases: MSME EBLR is 7.90% + CRP + BSP (effective 15 December 2025); 6-month MCLR is 8.60% (effective 15 September 2026). These are benchmark bases, not the final Bio-fuel borrower rate; SBI does not publish the applicable CRP/BSP or non-MSME spread for this product.Target customersUnits setting up or expanding bio-fuels extraction plants, including biomass suppliers/aggregators selling to OMCs, government organisations or private companies
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Quick eligibility check

Finance to Bio-fuel Projects

0 of 8 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.

1Do you meet this requirement: Units setting up or expanding bio-fuels extraction plants, including biomass suppliers/aggregators selling to OMCs, government organisations or private companies?

Published source: Target customers

2Do you meet this requirement: Activity-based items include Udyam registration, projected balance sheets, 3 years of financials, offered-property title/lease papers, company CIN/DIN, banking and existing-facility details, unit/management/associate profiles, and applicable statutory, pollution-control, GST/VAT and sector licences?

Published source: SBI commercial-loan document checklist

3Do you meet this requirement: SBI says the final checklist accompanies the loan form?

Published source: SBI commercial-loan document checklist

4Do you meet this requirement: the FAQ does not provide a separate Bio-fuel project list?

Published source: SBI commercial-loan document checklist

5Do you meet this requirement: New or expanding bio-fuels extraction plants, biomass suppliers and aggregators selling to OMCs, government organisations or private companies are targeted?

6Document checkDo you have at least one of these required documents: Common SBI commercial-loan documents: completed loan form; identity, residence and business-address proof; constitution papers (such as MOA/AOA or partnership deed); and promoters' / guarantors' asset-liability statements with latest income-tax returns?

Published source: SBI commercial-loan document checklist

7Document checkDo you have at least one of these required documents: Depending on activity: Udyam registration; projected balance sheets (2 years for working-capital limits or the loan period for term loans); 3 years of financial statements; papers for property offered as security; company incorporation/CIN/DIN; bank and existing-facility details; unit, management and associate profiles; and applicable regulatory, pollution-control, GST/VAT and sector licences. SBI says it provides the final checklist with the application form; this is general commercial-loan guidance, not a Bio-fuel-specific checklist?

Published source: SBI commercial-loan document checklist

8Document checkDo you have this required document or proof: SBI's general Commercial Loan FAQ lists a completed application, identity/residence/business-address proofs, constitution documents, and promoters'/guarantors' asset-liability statements with latest ITR?

Published source: SBI commercial-loan document checklist
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 25 Sept 2026 · active
Offered byState Bank of India

India; -intensive branches/R&DB/CCG handling by proposal size

Key facts

What the official sources publish

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

PurposePart-finance new or expanded bio-fuels extraction plants, including biomass suppliers/aggregators and storage/distribution infrastructureEffective 20 Mar 2024View source
To part-finance setting up of Bio-fuels extraction plant (including Biomass suppliers / aggregators), including their storage and distribution infrastructure.
Source
Finance to Bio-fuel Projects — official product page
Page / section
Purpose
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Target customersUnits setting up or expanding bio-fuels extraction plants, including biomass suppliers/aggregators selling to OMCs, government organisations or private companiesEffective 20 Mar 2024View source
Units setting up new/expansion of Bio-fuels extraction plants ... for sale to OMCs/Govt. Organisations/Private Companies.
Source
Finance to Bio-fuel Projects — official product page
Page / section
Features — Target Group and Target Group & Eligibility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
FacilitiesTerm loan, working capital, letter of credit and bank guaranteeEffective 20 Mar 2024View source
Facilities Available: Term Loan, Working Capital, & .
Source
Finance to Bio-fuel Projects — official product page
Page / section
Features — Facilities Available
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Facility amount₹50 crore maximum handled by R&DB; above ₹50 crore handled by CCG or designated SME-intensive branchesEffective 20 Mar 2024View source
Rs.50 Crores Max. (to be handled by RDB); Above Rs.50 Crores (to be handled by CCG).
Source
Finance to Bio-fuel Projects — official product page
Page / section
Features — Quantum of Loan
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Borrower marginTerm loan minimum 30% of project cost; working capital minimum 25%Effective 20 Mar 2024View source
Term Loan: Min. 30% of Project Cost... Working Capital: Min. 25%.
Source
Finance to Bio-fuel Projects — official product page
Page / section
Features — Borrower's Margin / Contribution
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Repayment periodTerm loan repayable in 10–12 years; construction, moratorium and repayment together cannot exceed 15 yearsEffective 20 Mar 2024View source
Term loan repayable in 10-12 years... overall door-to-door tenor (construction, moratorium + repayment tenor) not to exceed 15 years.
Source
Finance to Bio-fuel Projects — official product page
Page / section
Features — Repayment Period
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
ExclusionsEthanol projects of sugar mills or molasses/grain/dual-feed distilleries with the specified OMC-bank-producer tripartite agreement and 5% project-cost margin are not eligibleEffective 20 Mar 2024View source
Ethanol Projects of Sugar Mills/Molasses based/Grain based/Dual feed-based distilleries having Tripartite Agreement ... where margin is only 5% ... are not eligible.
Source
Finance to Bio-fuel Projects — official product page
Page / section
Features — Special Feature
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndia; SBI SME-intensive branches/R&DB/CCG handling by proposal sizeView source
The manually reviewed product record states: “India; -intensive branches/R&DB/CCG handling by proposal size”.
Source
Finance to Bio-fuel Projects — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Interest rate / benchmarkSBI's product page links MSME pricing to EBR and non-MSME pricing to 6-month MCLR, subject to borrower/scheme rating. Current published bases: MSME EBLR is 7.90% + CRP + BSP (effective 15 December 2025); 6-month MCLR is 8.60% (effective 15 September 2026). These are benchmark bases, not the final Bio-fuel borrower rate; SBI does not publish the applicable CRP/BSP or non-MSME spread for this product.Effective 15 Sept 2026View source
named product page specifies -linked pricing for and six-month -linked pricing for non-. The linked current schedules separately state 7.90% + + and six-month 8.60%; neither base alone is represented as the final borrower rate.
Source
Finance to Bio-fuel Projects — product pricing and current benchmark bases
Page / section
Product page — Pricing; current page; current page
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
SBI commercial-loan document checklistSBI's general Commercial Loan FAQ lists a completed application, identity/residence/business-address proofs, constitution documents, and promoters'/guarantors' asset-liability statements with latest ITR. Activity-based items include Udyam registration, projected balance sheets, 3 years of financials, offered-property title/lease papers, company CIN/DIN, banking and existing-facility details, unit/management/associate profiles, and applicable statutory, pollution-control, GST/VAT and sector licences. SBI says the final checklist accompanies the loan form; the FAQ does not provide a separate Bio-fuel project list.View source
Commercial Loan lists common and activity-dependent document groups, and says it supplies the checklist with the loan application form. The was last updated 6 February 2026. Items marked applicable/depending on activity are not asserted as mandatory for every Bio-fuel applicant.
Source
on Commercial Loan
Page / section
Questions 1–3: eligible applicant forms, common documents, additional activity-based documents and application checklist commitment
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Processing, upfront and facility chargesSBI's listed C&I/SME/AGL tariff gives working-capital processing bands from nil/fixed charges to 0.40%–1.00% by limit and rating, with a separate above-₹50 crore schedule; other term loans use a 1.25%–2.00% rating-based upfront fee. Project appraisal, annual-review, revalidation and separate BG/LC charges can also apply. The June 2025 tariff excludes GST and is not a Bio-fuel sanction quote: the product page does not give the borrower's rating, exact charge segment or selected facilities.Effective 1 Jun 2025View source
live service-charge index, last updated 1 September 2026, still lists the 1 June 2025 C&I//AGL advances tariff. The named Bio-fuel page directs processing/upfront charges to extant guidelines. Rating, sanctioned limit, segment, selected non-fund facilities and any CCG customer-specific schedule determine the actual charge; the tables below preserve the published conditional rates.
Source
Advances Related Service Charges — C&I, and AGL Segments
Page / section
pages 1–10: processing/upfront/review/appraisal/revalidation; inland and schedules
Accessed
25 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Term loan, working capital, letter of credit and bank guarantee facilities
  • ₹50 crore maximum through R&DB; larger proposals handled by CCG
  • 10–12-year term-loan repayment
  • Includes (non-SATAT) within the National Policy of Biofuels definition

Eligibility

  • New or expanding bio-fuels extraction plants, biomass suppliers and aggregators selling to OMCs, government organisations or private companies are targeted.
  • Ethanol projects of sugar mills/molasses/grain/dual-feed distilleries with the specified tripartite agreement and 5% margin are expressly excluded.
  • general Commercial Loan lists self-employed professionals and proprietors, partnership firms, private/public limited corporations and as commercial-loan applicants; it does not expressly map every listed constitution to this Bio-fuel scheme.

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

Documents the bank lists

  • Common commercial-loan documents: completed loan form; identity, residence and business-address proof; constitution papers (such as MOA/AOA or partnership deed); and promoters' / guarantors' asset-liability statements with latest income-tax returns.
  • Depending on activity: Udyam registration; projected balance sheets (2 years for working-capital limits or the loan period for term loans); 3 years of financial statements; papers for property offered as security; company incorporation//DIN; bank and existing-facility details; unit, management and associate profiles; and applicable regulatory, pollution-control, /VAT and sector licences. says it provides the final checklist with the application form; this is general commercial-loan guidance, not a Bio-fuel-specific checklist.

Related official documents

SBI Revised Service Charges — current advances schedule indexofficial-charge-index-page · current · accessed 25 Sept 2026
↗
Advances Related Service Charges — C&I, SME and AGL segmentsofficial-service-charge-document · current · accessed 25 Sept 2026
↗
SBI FAQs on Commercial Loan — applicant types and document checklistofficial-commercial-loan-faq · current · accessed 25 Sept 2026
↗
SBI External Benchmark based Lending Rate — current EBLR scheduleofficial-interest-rate-page · current · accessed 25 Sept 2026
↗
SBI Energy Efficient Products listing — Bio-fuel project listing and image routeofficial-product-listing-page · current · accessed 25 Sept 2026
↗
Finance to Bio-fuel Projects — official SBI product pageofficial-product-page · current · accessed 25 Sept 2026
↗
SBI Marginal Cost of Funds Based Lending Rate — current MCLR scheduleofficial-interest-rate-page · current · accessed 25 Sept 2026
↗

Plan before applying

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Loan repayment estimate

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One monthly payment₹20,756twenty thousand seven hundred fifty-six rupees
Interest paid over the full loan₹24,81,364twenty-four lakh eighty-one thousand three hundred sixty-four rupees
Everything you repay₹49,81,364forty-nine lakh eighty-one thousand three hundred sixty-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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Customer · Published termNew/expanding bio-fuels extraction units, biomass suppliers/aggregators

This value is copied from Finance to Bio-fuel Projects — published terms. Check the table notes before relying on it.

Source: Finance to Bio-fuel Projects — official product page · Purpose, Features and Target Group & Eligibility 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 columnsFinance to Bio-fuel Projects — published termsTerms published on SBI's bio-fuels finance page.View tableHide table

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Finance to Bio-fuel Projects — published terms
ItemPublished term
CustomerNew/expanding bio-fuels extraction units, biomass suppliers/aggregators
UseSale to OMCs, government organisations or private companies
FacilitiesTerm loan, working capital, and
Amount₹50 crore maximum through R&DB; above handled by CCG
Pricing -linked (page states repo + 2.65%); non- 6-month -linked
MarginTerm loan ≥30% project cost; working capital ≥25%
Repayment10–12 years; 15-year door-to-door cap
Processing extant guidelines
ExclusionSpecified 5%-margin ethanol tripartite projects
  • (non-SATAT) is included under the National Policy of Biofuels 2018 definition. Last updated: 20 March 2024.
Finance to Bio-fuel Projects — official product page · Purpose, Features and Target Group & Eligibility · accessed 1 Sept 2026Open official source ↗
Table 2 · 16 rows · 3 columnsSBI commercial-loan documents listed for applicantsView tableHide table

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SBI commercial-loan documents listed for applicants
groupDocuments listedApplicability stated by
CommonDuly completed loan application formCommon document
CommonIdentity proof: Aadhaar, Voter , Passport, Driving Licence or Common document
CommonResidence proof: Aadhaar, recent telephone/electricity bill, property-tax receipt, Passport or Voter of proprietor/partner/directorCommon document; entity wording follows the
CommonProof of business addressCommon document
CommonCompany Memorandum and Articles of Association, partnership deed, etc.According to the applicant's constitution
CommonPromoter/guarantor assets-and-liabilities statement with latest income-tax returnsCommon document
Activity-basedUdyam / Udyog Aadhaar registrationIf applicable
Activity-basedProjected balance sheetsNext 2 years for working-capital limits; for the loan period for term loans
Activity-basedFirm/company balance sheetsLast 3 years
Activity-basedLease/title deeds for properties offered as primary or collateral securityOnly properties offered as security
Activity-basedCertificate of incorporation from Registrar of Companies; and directors' DINsFor a company
Activity-basedBank-account details and outstanding details for existing loans/limitsWhere applicable
Activity-basedUnit, management, key-person and industry profileListed as additional activity-based information
Activity-basedAssociate profiles, banking arrangements and associates' financialsFinancials for the last year
Activity-basedRegulatory approvals/licences, Pollution Control Certificate, /VAT registrationAs applicable to the activity
Activity-basedOther documents/licences for manufacturing, trading, export-import, IT, services, etc.Based on the nature of the business entity
  • says it supplies a legally compliant checklist with the application form and may help complete the form. This is general commercial-loan guidance; the does not name a Bio-fuel-specific checklist. It was last updated 6 February 2026.
on Commercial Loan · Questions 1–3, especially common and activity-based documents and checklist commitment · accessed 25 Sept 2026Open official source ↗
Table 3 · 2 rows · 4 columnsCurrent SBI benchmark bases referenced by the Bio-fuel pricing pageView tableHide table

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Current SBI benchmark bases referenced by the Bio-fuel pricing page
Borrower groupProduct-page linkageCurrent published benchmarkEffective date and qualification
Repo-linked ; the Bio-fuel page states is repo + 2.65%7.90% + + schedule effective 15 December 2025; and are borrower-specific components
Non-Six-month -linked6-month : 8.60%Effective 15 September 2026; the product page does not state the applicable borrower spread
  • These are benchmark bases, not final borrower rates. says rate selection is borrower/external/scheme-rating based; the Bio-fuel page does not publish the / or non- spread for a named customer.
External Benchmark based Lending Rate and Marginal Cost of Funds Based Lending Rate pages · / effective 15 December 2025; 6-month effective 15 September 2026; Bio-fuel page — Pricing · accessed 25 Sept 2026Open official source ↗
Table 4 · 10 rows · 3 columnsSBI unified working-capital processing fee bandsView tableHide table

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SBI unified working-capital processing fee bands
Fund-based + non-fund-based limitCRA/CUE/BRE gradeFee excluding
Up to ₹50,000AnyNil
Above ₹50,000 to ₹5 lakhAny₹1,000
Above ₹5 lakh to ₹10 lakhAny₹2,000
Above ₹10 lakh to ₹50 lakhAny0.40% of loan amount
Above ₹50 lakh to ₹50 croreCRA 1–4 / CUE 1–4 / BRE 1–40.50% of loan amount
Above ₹50 lakh to ₹50 croreCRA 5–10 / CUE 5–10 / BRE 5–80.75% of loan amount
Above ₹50 lakh to ₹50 croreCRA 11 and below/unrated / CUE 11 and below / BRE 9–101.00% of loan amount
Above ₹50 croreCRA 1–4 / CUE 1–4 / BRE 1–40.25% of loan amount; minimum ₹25 lakh
Above ₹50 croreCRA 5–10 / CUE 5–10 / BRE 5–80.50% of loan amount; minimum ₹37.50 lakh
Above ₹50 croreCRA 11 and below/unrated / CUE 11 and below / BRE 9–101.00% of loan amount; minimum ₹50 lakh
  • tariff: working-capital limits up to ₹5 lakh for qualifying Micro and Small Enterprises are nil; processing fees for food-processing industry are 50% of the applicable rate; listed Central Government/eligible organisations are excluded. Product-specific business-unit charges apply wherever prescribed.
  • No separate processing charge applies to a term loan where recovers the unified upfront fee. The unified processing fee comprises loan processing, facility, inspection, documentation, interchangeability, allocation, mortgage, , NeSL and CLP platform charges. is excluded; external agency/law-firm documentation expenses are actual.
Advances Related Service Charges — C&I, and AGL Segments · page 1, Chapter I item 1(a), all fund-based + non-fund-based limit bands and stipulations · effective 1 Jun 2025 · accessed 25 Sept 2026Open official source ↗
Table 5 · 5 rows · 2 columnsSBI unified upfront fee for other term loansView tableHide table

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SBI unified upfront fee for other term loans
Term-loan rating class / conditionUpfront fee excluding
CRA 1–4 / CUE 1–41.25% of loan amount
CRA 5–10 / CUE 5–101.50% of loan amount
CRA 11 and below or unrated / CUE 11 and below2.00% of loan amount
Bank loan up to ₹5 lakh per borrower/unit to an eligible Micro or Small EnterpriseExempt under the tariff condition
Term loan charged the unified upfront feeNo separate processing fee
  • The unified upfront fee includes inspection, documentation, mortgage, , NeSL and CLP Platform Fee charges. For non-PF&S SBU accounts, 50% is recovered at sanction and 50% at borrower acceptance. Separate PF&S SBU in-principle stages are not mapped to this Bio-fuel product.
Advances Related Service Charges — C&I, and AGL Segments · pages 1–2, Chapter I item 2(a), unified upfront fee for term loans · effective 1 Jun 2025 · accessed 25 Sept 2026Open official source ↗
Table 6 · 6 rows · 2 columnsSBI standalone term-loan annual review chargesView tableHide table

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SBI standalone term-loan annual review charges
Sanction band / ratingCharge
Up to ₹25 lakhNil
Above ₹25 lakh to ₹50 crore — during implementation0.10%
Above ₹25 lakh to ₹50 crore — after implementation0.05%
Above ₹50 crore — CRA 1–40.05%
Above ₹50 crore — CRA 5–100.10%
Above ₹50 crore — 'Below 10' (tariff wording)0.15%
  • Applies to standalone term-loan reviews, not generally when review is part of renewal of other facilities; applies through DCCO. During staged disbursement the basis is sanctioned limit; after full disbursement and repayment commencement it is the outstanding amount. Charged on the anniversary of first disbursement. The tariff gives 'Below 10' for the last >₹50 crore row; preserve wording.
Advances Related Service Charges — C&I, and AGL Segments · page 2, Chapter I item 2(b), term-loan annual review and calculation terms · effective 1 Jun 2025 · accessed 25 Sept 2026Open official source ↗
Table 7 · 4 rows · 4 columnsSBI project-term-loan appraisal fee scheduleView tableHide table

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SBI project-term-loan appraisal fee schedule
Project-loan quantumFee rateMinimumMaximum
Up to ₹25 crore1.10% of project cost₹11 lakh₹28 lakh
Above ₹25 crore to ₹50 crore0.85% of project cost₹28 lakh₹40 lakh
Above ₹50 crore to ₹100 crore0.55% of project cost₹40 lakh₹55 lakh
Above ₹100 crore0.30% of project cost₹55 lakhNegotiated in line with market conditions
  • Applies to project term loans only. In addition to upfront fee where the appraisal note is shared with other lenders in consortium/ lending. These bands use project-loan quantum as printed; page does not publish the project cost for an applicant.
Advances Related Service Charges — C&I, and AGL Segments · page 2, Chapter I item 2(d), project appraisal fees · effective 1 Jun 2025 · accessed 25 Sept 2026Open official source ↗
Table 8 · 3 rows · 2 columnsSBI sanction revalidation feesView tableHide table

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SBI sanction revalidation fees
Revalidated facilityCharge
Working capital50% of applicable processing charge
Project term loan30% of applicable project-appraisal fee
Other term loan50% of applicable unified upfront fee
  • Revalidation of pricing approvals is excluded. Previously approved processing/upfront concessions lapse unless fresh concessions are approved.
Advances Related Service Charges — C&I, and AGL Segments · page 3, Chapter I item 5, sanction revalidation · effective 1 Jun 2025 · accessed 25 Sept 2026Open official source ↗
Table 9 · 10 rows · 3 columnsSBI additional credit-service charges that may arise during a facilityView tableHide table

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SBI additional credit-service charges that may arise during a facility
Service / eventPublished chargeCondition
Lead-bank fee under consortiumUp to 5 banks: ₹15 lakh per year; more than 5 banks: ₹50 lakh per yearOnly where is lead bank; concessions/approval rules apply
Escrow / TRA account feeUp to 5 consortium banks: ₹15 lakh per year; more than 5: ₹30 lakh per yearWhere applicable to the facility structure
Security/guarantee changes, releases, rephasement, guarantee extension, M&A or change in project/terms/machinery0.25% of limit; minimum ₹5,000, maximum ₹5,00,000Each applicable non-standard approval; subject to listed exceptions
Ceding charge on assets / specified miscellaneous approvals0.05% of limit; minimum ₹2,000, maximum ₹1,00,000Per tariff-listed approval category
Other miscellaneous approvals0.05% of limit; minimum ₹10,000, maximum ₹1,00,000Only for standalone proposal covering all such approvals together
Resolution plan, restructuring, extension or DCCO shift0.25% of limit, capped at ₹20 lakhApplies whether approved standalone or with regular renewal
Credit information report supplied to another bank/FIIndividual: ₹500; non-individual: ₹2,500Per report
Solvency certificate₹300 per lakh; minimum ₹1,500, maximum ₹25,000Per certificate
Exercise of swing option0.02% of amount involved; minimum ₹1,000, maximum ₹5,000Tariff says no authority may reduce this charge
Out-of-pocket expenseActual expenseRecovered except where specifically exempted
  • These are event-based general C&I//AGL tariff entries, not automatic Bio-fuel fees; they apply only if the named service or event occurs. The tariff also says services not enumerated continue at existing rates.
Advances Related Service Charges — C&I, and AGL Segments · pages 2–5, Chapter I items 3–12 and Others · effective 1 Jun 2025 · accessed 25 Sept 2026Open official source ↗
Table 10 · 6 rows · 4 columnsSBI inland bank-guarantee commission scheduleView tableHide table

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SBI inland bank-guarantee commission schedule
Guarantee typeCRA/CUE gradeStandard ratePriority-sector rate
Performance CRA 1–4 / CUE 1–41.60% p.a.1.20% p.a.
Performance CRA 5–10 / CUE 5–101.80% p.a.1.35% p.a.
Performance CRA 11 and below/unrated / CUE 11 and below2.20% p.a.2.20% p.a.
Financial CRA 1–4 / CUE 1–41.90% p.a.1.45% p.a.
Financial CRA 5–10 / CUE 5–102.10% p.a.1.60% p.a.
Financial CRA 11 and below/unrated / CUE 11 and below2.30% p.a.2.30% p.a.
  • Minimum commission is ₹600 per . Card rates cover guarantees up to 3 years; add 25 bps for the period beyond 3 years. Advance-payment commission is 20% above the applicable financial-guarantee rate. Commission is charged for actual outstanding liability in full-month multiples, minimum one month; broken days count as a full month.
  • At 100% cash margin, charge is 25% of effective rate; at 50% margin, 50%; below 50%, effective rate. The ₹600 minimum still applies and customer-level concession is not stacked: the sanction-approved concession or margin rebate, whichever leaves the higher charge, controls. CAG/CCG and certain high-value customers receive a sanction-specific service-charge schedule.
Advances Related Service Charges — C&I, and AGL Segments · pages 6–7, Chapter II inland rates, rebates and high-value customer schedule · effective 1 Jun 2025 · accessed 25 Sept 2026Open official source ↗
Table 11 · 7 rows · 3 columnsSBI inland bank-guarantee ancillary charges and refund conditionsView tableHide table

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SBI inland bank-guarantee ancillary charges and refund conditions
Service / eventChargeConditions
Advice of issued by / another bank₹500 / ₹1,000 per instancePer advice
Advice of amendment issued by / another bank₹250 / ₹500 per advicePer advice
Amendment in clause₹1,000 per instancePer amendment
Opinion report for inland / other domestic counterparty transaction₹1,000 per / ₹1,000 per instance, plus Maximum 3 transactions for the same applicant–counterparty pair in a financial year; exemptions apply to Government departments, /Boards, Courts and customers with a waiver
Transmission through SFMS₹500 per instanceWhere SFMS is involved
PostageDomestic ₹250; overseas actual postage/courierPer dispatch
Refund of unexpired commissionUp to 100%, subject to approvalNo refund if remaining period including claim period is under 1 month; original or beneficiary release letter required, plus borrower undertakings that the contract is complete and has not been replaced for the same project/contract
  • For trade-finance established through the e-Trade/ Business internet module, 90% of regular charges apply, with a maximum ₹1,000 concession per transaction. Charge schedule is conditional on using the service.
Advances Related Service Charges — C&I, and AGL Segments · pages 6–8, Chapter II advising, amendments, opinion report, SFMS, postage and refund rules · effective 1 Jun 2025 · accessed 25 Sept 2026Open official source ↗
Table 12 · 3 rows · 3 columnsSBI inland letter-of-credit opening commissionView tableHide table

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SBI inland letter-of-credit opening commission
CRA/CUE gradeStandard ratePriority-sector rate
CRA 1–4 / CUE 1–41.10% p.a.0.85% p.a.
CRA 5–10 / CUE 5–101.40% p.a.1.05% p.a.
CRA 11 and below/unrated / CUE 11 and below1.80% p.a.1.80% p.a.
  • Opening charge per includes commitment and usance charges; minimum commission ₹2,000 per . At 100% cash margin, charge is 25% of effective rate; at 50%, 50%; below 50%, effective rate. Minimum ₹2,000 still applies. Do not stack customer-level concessions: use the sanction-approved concession or margin rebate, whichever leaves the higher charge.
  • charge accrues in full-month multiples for actual liability, minimum one month plus usance period; broken months count as full months and bills lodged under the remain in outstanding liability until retired. Revolving reinstatement is charged at the opening rate for each reinstatement. CAG/CCG and certain high-value customers get a sanction-specific rate card.
Advances Related Service Charges — C&I, and AGL Segments · page 9, Chapter III inland opening rates and cash-margin rules · effective 1 Jun 2025 · accessed 25 Sept 2026Open official source ↗
Table 13 · 13 rows · 3 columnsSBI inland letter-of-credit transaction chargesView tableHide table

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SBI inland letter-of-credit transaction charges
Service / eventPublished chargeConditions
Extension or increase in valueDifference between revised total charge and amount already recovered; minimum ₹500 per instanceApplies to value/period amendments
Other amendments₹500 per amendmentDoes not cover extension or value increase
Transferable ₹1,000 per transferExcept beneficiary-name change on issuing bank instruction
Adding confirmationAs applicable to opening chargesPer confirmation
Acceptance of discrepant bills₹2,000 flatPer bill
Acceptance of non-discrepant billsBill value up to ₹1 lakh: ₹500; above ₹1 lakh: ₹1,000Per bill
Retirement of bills under inland 0.30% of bill amount; maximum ₹10,000Per bill
Non-payment/non-acceptance of demand/usance bill0.20% of bill amount; minimum ₹1,000On presentation/on due date
Advice of / advice of amendment₹2,000 per instance / ₹750 per advicePer advice
Opinion report for inland / other domestic transaction₹1,000 per / ₹1,000 per instance, plus Maximum 3 transactions for the same applicant–counterparty pair in a financial year; Government, /Board, Court and waiver exemptions apply
Transmission through SFMS₹500 per instanceWhere SFMS is involved
PostageDomestic ₹250; overseas actual postage/courierPer dispatch
Refund when unused closes before expirySubject to approvalNo refund if unexpired period is under 1 month; original and beneficiary confirmation that it was not/will not be used required
  • Trade established through e-Trade/ Business Exim Bills attract 90% of regular charges, with maximum ₹1,000 concession per transaction. Chapter IV bill discounting is not included because Bio-fuel product page lists term loan, working capital, and , not bill discounting.
Advances Related Service Charges — C&I, and AGL Segments · pages 9–10, Chapter III inland amendments, acceptance, retirement, advising, refunds and related service charges · effective 1 Jun 2025 · accessed 25 Sept 2026Open official source ↗

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