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Business, & agriculture finance

E-Smart Score

CLP-sourced facility for working capital and fixed assets above ₹10 lakh to ₹5 crore, with cash credit or term loan, 25%/33% margins and score-based eligibility.

Loan amountAbove ₹10 lakh to ₹5 crorePricingCompetitive pricing linked to EBR; the page states EBR is linked to repo rate and currently repo rate + 2.65%Target customersIndividually managed proprietary/partnership firms or closely held public/private limited companies in small and medium industrial and trading sectors under C&I and SIB segments
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Quick eligibility check

E-Smart Score

0 of 6 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: Individually managed proprietary/partnership firms or closely held public/private limited companies in small and medium industrial and trading sectors under C&I and SIB segments?

Published source: Target customers

2Are you aged 18 to 65?

Published source: Eligibility

3Do you meet this product condition: minimum 60% overall internal score and at least 50% in each Personal Details, Business Details and Collateral Details sub-head?

Published source: Eligibility

4Do you meet this requirement: For a term loan, SBI requires a project report covering the loan tenure, prepared and processed under bank norms?

Published source: Required documents

5Does your age meet this requirement: Chief promoter/chief executive must be 18–65 years old?

6Document checkDo you have this required document or proof: No separate document checklist is published on the reviewed page; a term-loan project report is required and processed under SBI norms?

Published source: Required documents
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India

Key facts

What the official sources publish

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

PurposeWorking-capital needs and acquisition of fixed assetsEffective 9 Feb 2024View source
Objective/ Purpose: Working Capital needs & Acquisition of fixed assets.
Source
E-Smart Score — official product page
Page / section
Objective / Purpose
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Target customersIndividually managed proprietary/partnership firms or closely held public/private limited companies in small and medium industrial and trading sectors under C&I and SIB segmentsEffective 9 Feb 2024View source
Target Group: individually managed proprietary/partnership firm or closely held public/private limited companies in the small and medium industrial and trading sector under C&I and SIB segments.
Source
E-Smart Score — official product page
Page / section
Features — Target Group
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
FacilitiesCash credit and term loanEffective 9 Feb 2024View source
Facilities Available: Cash Credit and Term Loan.
Source
E-Smart Score — official product page
Page / section
Features — Facilities Available
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Loan amountAbove ₹10 lakh to ₹5 croreEffective 9 Feb 2024View source
Quantum of loan: >₹10.00 lakh to ₹5 crore.
Source
E-Smart Score — official product page
Page / section
Features — Quantum of loan
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
PricingCompetitive pricing linked to EBR; the page states EBR is linked to repo rate and currently repo rate + 2.65%Effective 9 Feb 2024View source
Competitive Pricing Linked to (Linked to Repo Rate and Currently is Repo Rate + 2.65%).
Source
E-Smart Score — official product page
Page / section
Features — Pricing
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Borrower margin25% for working-capital component and 33% for term-loan componentEffective 9 Feb 2024View source
Borrower's Margin / Contribution: 25% for working capital component and 33% for TL component.
Source
E-Smart Score — official product page
Page / section
Features — Borrower's Margin / Contribution
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Repayment periodWorking capital repayable on demand; term loan not more than 7 years including moratorium not exceeding 6 monthsEffective 9 Feb 2024View source
Working Capital: Repayable on demand. Term Loan: Not more than 7 years including moratorium not exceeding 6 months.
Source
E-Smart Score — official product page
Page / section
Features — Repayment Period
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
CollateralAs per SBI's extant norms for working capital and term loanEffective 9 Feb 2024View source
Collateral Security: As per Bank's extant norms for WC and TL.
Source
E-Smart Score — official product page
Page / section
Features — Collateral Security
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
EligibilityChief promoter/chief executive age 18–65; minimum 60% overall internal score and at least 50% in each Personal Details, Business Details and Collateral Details sub-headEffective 9 Feb 2024View source
Chief promoter/chief executive should be 18 to 65; applicant must obtain at least 60% overall and 50% under each sub-head of internal scoring model.
Source
E-Smart Score — official product page
Page / section
Special Feature — Eligibility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Standalone term-loan review feeNil up to ₹25 lakh; above ₹25 lakh to ₹5 crore, 0.10% during implementation and 0.05% after implementation. This is for a standalone term-loan review, except SBI also applies it through DCCO; the basis changes from sanctioned limit during staged disbursement to outstanding amount after full disbursement and repayment begins.Effective 1 Jun 2025View source
The schedule sets nil up to ₹25 lakh, then 0.10% during implementation and 0.05% after implementation through ₹50 crore; it says standalone TL reviews only, with a separate DCCO exception and different basis before/after full disbursement.
Source
Advances Related Service Charges — C&I, and AGL Segments
Page / section
Page 2, item 2(b), annual review charges for term loans; review-basis conditions
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Project-loan appraisal feeFor a project term loan only, SBI lists 1.10% of project cost for projects up to ₹25 crore, minimum ₹11 lakh and maximum ₹28 lakh. The E-Smart page requires a term-loan project report, but does not say every term loan is classified as a project term loan; confirm applicability in the sanction.Effective 1 Jun 2025View source
The fee schedule says project appraisal fees apply only to project term loans and states an additional-fee rule if the appraisal note is shared in consortium/ lending. The E-Smart page requires a project report but does not classify every term loan as a project term loan.
Source
Advances Related Service Charges — C&I, and AGL Segments
Page / section
Page 2, item 2(d), project appraisal fee; applicable to project term loans only
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Sanction revalidation feeIf SBI revalidates the sanction: working capital 50% of the applicable processing charge; project term loan 30% of the project-appraisal fee; other term loan 50% of the unified upfront fee. A previous fee concession lapses on revalidation unless SBI approves a fresh concession.Effective 1 Jun 2025View source
The schedule specifies 50% of processing charges for working capital, 30% of project-appraisal fees for project loans and 50% of upfront fee for other term loans; concessions lapse unless freshly approved.
Source
Advances Related Service Charges — C&I, and AGL Segments
Page / section
Page 3, item 5, revalidation of sanction; working-capital and term-loan rules
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Processing / upfront feeCash-credit processing (excluding GST): 0.40% for limits above ₹10 lakh to ₹50 lakh; above ₹50 lakh to ₹5 crore, 0.50% for CRA/CUE/BRE ratings 1–4, 0.75% for CRA/CUE 5–10 or BRE 5–8, and 1.00% for CRA 11 or below/unrated, CUE 11 or below, or BRE 9–10. Term-loan upfront fee (excluding GST): 1.25% for CRA/CUE 1–4, 1.50% for CRA/CUE 5–10, and 2.00% for CRA 11 or below/unrated or CUE 11 or below. The unified charges include CLP Platform Fee; SBI's schedule states the sanctioned rating and facility determine the applicable charge.Effective 1 Jun 2025View source
The E-Smart Score page lists cash credit and term loan and says its processing/upfront fee is as per latest instruction for units. The applicable schedule separately prices working-capital processing and term-loan upfront fees, excludes and includes the CLP Platform Fee. The product's 60% overall/50% sub-head eligibility score is not the CRA/CUE/BRE rating band used for tariff pricing.
Source
Advances Related Service Charges — C&I, and AGL Segments
Page / section
Page 1, item 1(a), unified loan processing fee; page 2, item 2(a), unified upfront fee for term loans; page 3, fee recovery timing
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Other chargesSBI discloses other charges before sanction. Its loan policy effective 1 January 2026 also lists conditional charges for irregular facilities, late stock/renewal information, incomplete security, insurance shortfall, cross-default, fund diversion and other sanction breaches; applicability follows the sanctioned facility. See the full policy tables below.Effective 9 Feb 2024View source
The E-Smart Score page says other charges are per guidelines and will be appraised before sanction. current charges index links its 1 January 2026 loan penal-charge policy; its clauses apply only when the particular sanctioned facility/condition matches.
Source
E-Smart Score — official product page
Page / section
Features — Other Charges; loan penal-charge policy, effective 1 January 2026
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Prepayment / early closureSBI's policy lists 2.00% of the prepaid amount for term/demand loans and 2.00% of the outstanding amount taken over for other fund-based closures, with an MSME-borrower exemption. Cash-credit/overdraft has a separate early-closure rule: a charge may be applied to an amount no greater than the sanctioned limit; this clause gives no separate percentage. No charge applies when the borrower gives the required non-renewal notice and closes on the due date. Confirm MSME classification and facility-specific sanction terms.Effective 1 Jan 2026View source
The policy states 2.00% for term/demand-loan prepayment and other fund-based pre-closure, lists and other exceptions, and separately limits the cash-credit/overdraft early-closure charge base to an amount not exceeding the sanctioned limit; that clause gives no separate percentage.
Source
Policy on Penal Charges in Loans and Advances
Page / section
pages 5–6, item 1.15, prepayment/pre-closure conditions (effective 1 January 2026)
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Required documentsFor a term loan, SBI requires a project report covering the loan tenure, prepared and processed under bank norms.Effective 9 Feb 2024View source
For Term Loan, Project Report for the tenure of the loans to be obtained and processed as per Bank norms.
Source
E-Smart Score — official page, current review
Page / section
Special Feature — Project Report
Accessed
24 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Cash credit and term-loan facilities
  • Loans above ₹10 lakh to ₹5 crore sourced through CLP
  • Working-capital margin 25% and term-loan margin 33%
  • Term loan up to 7 years including up to 6-month moratorium

Eligibility

  • Chief promoter/chief executive must be 18–65 years old. Applicant must score at least 60% overall and at least 50% in each Personal Details, Business Details and Collateral Details sub-head of internal scoring model.

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

Documents the bank lists

  • No separate document checklist is published on the reviewed page; a term-loan project report is required and processed under norms.

Related official documents

Advances Related Service Charges — C&I, SME and AGL segmentsofficial-service-charge-document · current · accessed 25 Sept 2026
↗
SBI Digital Loans — official SME catalogueofficial-product-page · current · accessed 1 Sept 2026
↗
SBI Digital Loans — current catalogue and CLP alias reviewofficial-product-page · current · accessed 24 Sept 2026
↗
Policy on Penal Charges in Loans and Advancesofficial-penal-charge-policy · current · accessed 25 Sept 2026
↗
SBI Revised Service Charges — current advances-document listingofficial-fee-index · current · accessed 25 Sept 2026
↗
SME E-Smart Score — official SBI product pageofficial-product-page · current · accessed 1 Sept 2026
↗
SME E-Smart Score — official SBI page, current reviewofficial-product-page · current · accessed 24 Sept 2026
↗

Plan before applying

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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 termWorking capital and fixed assets

This value is copied from E-Smart Score — published terms. Check the table notes before relying on it.

Source: E-Smart Score — 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 · 10 rows · 2 columnsSME E-Smart Score — published termsTerms published on SBI's official product page.View tableHide table

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SME E-Smart Score — published terms
ItemPublished term
PurposeWorking capital and fixed assets
Target groupProprietorship/partnership or closely held companies in small/medium industrial and trading sectors
FacilityCash credit and term loan
AmountAbove ₹10 lakh–₹5 crore
Pricing-linked; page states repo + 2.65%
MarginWorking capital 25%; term loan 33%
RepaymentWC on demand; TL up to 7 years including up to 6-month moratorium
FeesLatest instruction; other charges per guidelines
Collateral extant norms
EligibilityPromoter age 18–65; score ≥60% overall and ≥50% each sub-head
  • Last updated on the page: 9 February 2024.
E-Smart Score — official product page · Objective, Features and Special Feature · accessed 1 Sept 2026Open official source ↗
Table 2 · 10 rows · 3 columnsSBI unified loan-processing charge — cash-credit limitsComplete published fund-based plus non-fund-based processing charge bands. E-Smart Score's working-capital component is cash credit; its published facility amount is above ₹10 lakh and up to ₹5 crore, so only the ₹10–50 lakh and ₹50 lakh–₹50 crore bands apply to that facility.View tableHide table

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SBI unified loan-processing charge — cash-credit limits
Limit bandCRA/CUE/BRE ratingUnified processing fee (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 or 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 or unrated / CUE 11 and below / BRE 9–101.00% of loan amount; minimum ₹50 lakh
  • Page heading says charges exclude . Item 1(a) covers loan-processing charges other than ABU, including ad-hoc limits and share of consortium limits. Food-processing industry pays 50% of the applicable rate. Working-capital limits up to ₹5 lakh for micro and small enterprises are nil; Central Government organisations and Maharatna, Navratna and Miniratna companies are excluded.
  • The unified fee comprises loan processing, facility, inspection, documentation, interchangeability, allocation of limits, equitable/registered mortgage, , NeSL and CLP Platform Fee charges.
  • For a new connection, recovers 50% at sanction and 50% at documentation. Indicative term-sheet/in-principle recoveries follow circular CCO/CPPD-ADV/13/2024-25 dated 26 April 2024. Actual outside-agency/law-firm documentation costs are recovered separately.
  • No processing charge on loans against own deposits or government securities including //IVP. Processing charge does not apply to a term loan where upfront fee is recovered. Charges are recovered at initial sanction and each renewal; the source specifies timing for delayed/early renewal and new-to-bank cases.
  • Government-sponsored schemes follow scheme terms. If CUE/BRE rating is used for the credit decision, that rating sets the service charge. For eligible priority-sector / loans, the ₹50,000 band is per member, not per group. Asset-backed securitisation follows its scheme; product-specific charges apply where prescribed; ship-recycling exposures above ₹50 lakh use column B.
Advances Related Service Charges — C&I, and AGL Segments · page 1, item 1(a), Unified Loan Processing Fee — Fund Based + Non-Fund Based Limits, including notes i–xiii · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 3 · 6 rows · 2 columnsSBI unified upfront fee — term loansRating-based upfront fee for other term loans, which is distinct from working-capital processing charges. E-Smart Score's term-loan fee follows the applicable SBI facility/rating classification; the product's 60%/50% eligibility score is not the tariff rating.View tableHide table

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SBI unified upfront fee — term loans
Term-loan class / ratingUpfront fee (excluding )
Other term loans: CRA 1–4 / CUE 1–41.25% of loan amount
Other term loans: CRA 5–10 / CUE 5–101.50% of loan amount
Other term loans: CRA 11 and below or unrated / CUE 11 and below2.00% of loan amount
PF&S SBU handled account — proposal submitted₹5 lakh; non-refundable
PF&S SBU handled account — indicative term sheet issued₹15 lakh; non-refundable
PF&S SBU handled account — revalidation/modification₹5 lakh; non-refundable and not adjustable against upfront fee
  • The schedule exempts bank loans up to ₹5 lakh per borrower/unit to Micro and Small Enterprises; E-Smart Score's published minimum exceeds this. Term loans up to ₹2 lakh in the agriculture segment are nil; that agriculture exception does not apply to this product.
  • Unified upfront fee comprises upfront, inspection, documentation, equitable/registered mortgage, , NeSL and CLP Platform Fee charges. For PF&S SBU accounts, the schedule specifies pre-due-diligence stage collections, a ₹20 lakh aggregate through the indicative stage adjusted at disbursement, and excludes and -promoted companies from those stage fees.
  • For other than PF&S SBU, 50% is recovered at sanction and 50% when the borrower accepts the sanction. The says processing charges do not apply to a term loan when upfront fee is recovered.
Advances Related Service Charges — C&I, and AGL Segments · pages 1–2, item 2(a), Unified Upfront Fee and term-loan rating bands · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 4 · 5 rows · 2 columnsSBI term-loan annual review chargesConditional standalone term-loan review charges; retained separately from the loan's upfront fee.View tableHide table

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SBI term-loan annual review charges
Sanctioned loan amountAnnual-review fee
Up to ₹25 lakhNil
Above ₹25 lakh to ₹50 crore0.10% during implementation; 0.05% after implementation
Above ₹50 crore: CRA 1–40.05%
Above ₹50 crore: CRA 5–100.10%
Above ₹50 crore: below 100.15%
  • Annual review charge applies to standalone term-loan reviews, not when the term-loan review is part of regular review/renewal of other credit facilities; the schedule separately says it applies to term loans through DCCO even when working-capital limits are sanctioned.
  • During staged disbursement the fee basis is the sanctioned limit. After full disbursement and commencement of repayment it is the outstanding amount at review/due date until closure. Charge date is the anniversary of first disbursement. Central Government organisations and Maharatna, Navratna and Miniratna companies are excluded.
Advances Related Service Charges — C&I, and AGL Segments · page 2, item 2(b), Annual review charges for Term Loans · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 5 · 4 rows · 4 columnsSBI project-term-loan appraisal feesOnly applies where SBI classifies a facility as a project term loan; the E-Smart Score page does not classify each term loan, so confirm in the sanction.View tableHide table

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SBI project-term-loan appraisal fees
Project costFee as % of project costMinimum feeMaximum fee
Up to ₹25 crore1.10%₹11 lakh₹28 lakh
Above ₹25 crore to ₹50 crore0.85%₹28 lakh₹40 lakh
Above ₹50 crore to ₹100 crore0.55%₹40 lakh₹55 lakh
Above ₹100 crore0.30%₹55 lakhNegotiated with market conditions
  • Applicable to project term loans only. Recovered in addition to upfront fee when the appraisal note is shared with other lenders under consortium/ lending. The published E-Smart Score loan ceiling is ₹5 crore, but appraisal bands are based on project cost, not loan amount.
Advances Related Service Charges — C&I, and AGL Segments · page 2, item 2(d), Project Appraisal Fee · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 6 · 3 rows · 2 columnsSBI sanction revalidation chargesConditional revalidation charges if the original sanction expires or needs revalidation.View tableHide table

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SBI sanction revalidation charges
Facility typeRevalidation charge
Working capital50% of applicable processing charges
Project term loan30% of applicable project-appraisal fee
Other term loan50% of applicable unified upfront fee
  • Revalidation of pricing approvals is excluded. Approved concessions on processing/upfront fee lapse at revalidation unless a fresh concession is approved by the sanctioning authority.
Advances Related Service Charges — C&I, and AGL Segments · page 3, item 5, Revalidation of Sanction · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 7 · 12 rows · 3 columnsSBI loan penal charges for non-compliance with sanction termsSBI's bank-wide policy effective 1 January 2026. These charges are conditional on the applicable facility, sanction terms and breach; they are not all automatically charged on every E-Smart Score loan.View tableHide table

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SBI loan penal charges for non-compliance with sanction terms
Policy itemNon-compliancePublished charge and trigger
1.1Irregular cash-credit, overdraft, term-loan or demand-loan accountUp to 60 days: 2.40% p.a. on the irregular portion for the irregular period. Continuous irregularity beyond 60 days: 5.00% p.a. on the irregular portion for the irregular period.
1.2Late stock statementsFirst 15 days after due date: ₹5,000. Delay over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit for delay. Not submitted within 20 days of the succeeding month counts as non-submission unless the sanctioning authority/scheme extends or specifies another period.
1.3Late renewal data, including audited balance sheetFirst 15 days after due date: ₹5,000. Delay over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit for delay. Renewal data is due 30 days before limit-renewal due date.
1.4Late perfection of securityFirst 15 days after due date: ₹5,000. Delay over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit from the day after the stipulated/approved extended deadline until security is perfected.
1.5Non-renewal or expired ECRFirst 15 days after due date: ₹5,000. Delay over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit for delay. Exemptions: autonomous body promoted by Central Government; Central (Maharatna/Navratna/Miniratna); promoted by those Central ; guaranteed by Central or State Government; State Government institutions; and State guaranteed by State Government.
1.6Late/non-submission of FFRsFirst 15 days after due date: ₹5,000. Delay over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit for delay. -and-better rated borrowers: nil up to 30 days; charge applies beyond 30 days.
1.7Late insurance renewal or inadequate coverFirst 15 days after due date: ₹5,000. Delay over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit for delay.
1.10Cross-default to another bank, AIFI or 1.20% p.a. on outstanding if the other-bank irregularity is not regularised within 30 days; policy says it applies where any borrower credit facility is in default with another bank, AIFI or .
1.11Diversion of funds2.20% p.a. on the outstanding amount until the position is rectified.
1.12Rupee EPC advance where exports do not materialise2.20% p.a. over the existing cash-credit rate on the portion of outstanding for which exports did not materialise. The policy allows a six-month waiver for exports to the with DGM Branch/B&O approval.
1.16Term-loan delayed drawdown, whether or not the borrower has working-capital limits0.60% p.a. on the amount due for disbursement under the schedule but not disbursed, when delay exceeds two months from the due date, for the delay period.
1.17Other sanction-term breaches1.00% p.a. on outstanding credit-facility balance for the default period. Illustrations include non-renewal of LEI/IEC/Udyam certificates; missing quarterly end-use or unrelated-investment declarations; sales not routed in consortium/ share; holding a current account with another bank; late shipping bills/bills of entry; failure to infuse sanctioned capital/equity; and other agreed sanction-letter conditions.
  • All policy charges are applied monthly for the actual non-compliance period. Total penal charges are capped at 5% p.a. of the higher of sanctioned limit or outstanding balance, irrespective of the number of breaches.
  • is not applicable to penal charges except prepayment/foreclosure and commitment charges.
  • For microfinance loans, delayed-payment penalty is applied to overdue amount, not the full loan amount; this exception is not an E-Smart Score loan feature.
  • For project term loans, the borrower may revise the drawdown schedule for an ensuing quarter with at least 15 days' notice before that quarter, without deferring DCCO or the agreed repayment schedule. The request must have reasonable external causes such as environmental clearance, pollution-control NOC, statutory licences or other project approvals.
  • This table reproduces the policy conditions relevant to working-capital/term-lending borrowers. Clauses specific to ratios, export-credit facilities, large exposure commitments and sanction-specific terms are shown in separate tables or apply only when the stated condition is met.
Policy on Penal Charges in Loans and Advances · pages 1–7, clauses 1.1–1.7 and 1.10–1.12, 1.16–1.17, and policy-wide notes · effective 1 Jan 2026 · accessed 24 Sept 2026Open official source ↗
Table 8 · 10 rows · 3 columnsSBI term-loan financial-covenant penal chargesFor non-NBFC term loans, charges may be stipulated case-by-case up to ₹50 crore and are mandatory above ₹50 crore. E-Smart Score's individual facility limit is capped at ₹5 crore; a sanction may nevertheless state covenants that determine applicability.View tableHide table

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SBI term-loan financial-covenant penal charges
Borrower / covenant testDeviation from sanctioned benchmarkCharge
Non- term loan; covenant test based on audited balance sheet annually until closureDeviation up to 10%, with not below 1.00Nil
SameDeviation more than 10%1.00% p.a.
SameDeviation up to 10%, but falls below 1.001.00% p.a.
loan covenants: CRAR, Tier 1, gross/net , TOL/NOF, liquid assets/loan assets, asset coverage and other agreed measuresAdverse breach of applicable policy/sanction benchmark; annual audited-balance-sheet testUp to 1.00% p.a.; starts day after audited balance sheet and continues until cured
CRAR benchmarkCentral / Central--promoted : 16%; family and above: 17%; State / State--promoted : 17%; others: 20%1.00% p.a. if below prescribed level or at least 10% below sanctioning-authority level
Tier 1 ratio12%; 14% for gold-finance companies1.00% p.a. for adverse deviation of 10% or more
gross ratio5%1.00% p.a. for adverse deviation of 10% or more
net ratio4% for gold-finance companies and ; 2% for other 1.00% p.a. for adverse deviation of 10% or more
TOL/NOFAs stipulated by operating unit/sanctioning authority1.00% p.a. for adverse deviation of 10% or more
Other measures: liquid-assets/loan-assets, asset-coverage and any other relevant agreed covenantAs applicable under the policy/sanctionUp to 1.00% p.a. for adverse breach
  • Non- covenant breaches are charged retrospectively from the audited-balance-sheet date used for testing, for the breach period. The policy lists , interest-coverage ratio, FACR, debt/ and any other relevant/agreed covenant.
  • covenants are tested annually from the last audited balance sheet; charge applies from the day after that statement until breach is cured. Changes in policy apply from their effective date.
  • No status or these sanction-specific covenant thresholds are asserted for an E-Smart Score applicant; the table preserves the policy context and shows conditional scope.
Policy on Penal Charges in Loans and Advances · pages 1–3, clauses 1.8–1.9 and covenant testing/benchmark tables · effective 1 Jan 2026 · accessed 24 Sept 2026Open official source ↗
Table 9 · 4 rows · 3 columnsSBI commitment charges for large bank exposuresApplies only when the borrower's aggregate SBI exposure crosses the stated threshold, not simply because an individual E-Smart Score facility exists.View tableHide table

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SBI commitment charges for large bank exposures
Aggregate exposure and utilisationFund-based chargeNon-fund-based charge
Above ₹50 crore to ₹150 crore; fund-based average utilisation above 60%NilIf non-fund-based average utilisation is below 60%: 0.25% p.a. on unutilised amount, quarterly
Above ₹50 crore to ₹150 crore; fund-based average utilisation 50%–60%0.20% p.a. on entire unutilised amount, quarterlyIf non-fund-based average utilisation is below 60%: 0.25% p.a. on unutilised amount, quarterly
Above ₹50 crore to ₹150 crore; fund-based average utilisation below 50%0.50% p.a. on entire unutilised amount, quarterlyIf non-fund-based average utilisation is below 60%: 0.25% p.a. on unutilised amount, quarterly
Above ₹150 crore; applicable when average utilisation is below 60%AAA/Central or State /Navratna: nil; : 0.15%; A: 0.20%; BBB/unrated: 0.40%; BB and below: 0.50% p.a.Same ECR-linked rates, on average undrawn exposure, quarterly
  • Charges start when the new/enhanced/renewed limit is available in and apply to unutilised/unused sanctioned working-capital and short-term working-capital limits, including WCDL, for aggregate exposure above ₹50 crore.
  • Exemptions include sick/weak units, export credit, bills purchased/discounted against collection, banks/FIs other than , cooperative banks, land-development banks, pre-approved lines of credit and AAA/Central/State .
  • For exposure above ₹50 crore to ₹150 crore, fund-based and non-fund-based utilisation tests are separate; the non-fund-based 0.25% p.a. charge is triggered only when its own average utilisation is below 60%. At account closure charges are pro-rated. They need not be collected where extra post-sanction pre-availment terms imposed by the bank prevent drawdown. For monthly cash-budget industries, use average utilisation against the operative monthly limit.
Policy on Penal Charges in Loans and Advances · pages 3–5, clauses 1.13–1.14 and common commitment-charge guidelines · effective 1 Jan 2026 · accessed 24 Sept 2026Open official source ↗
Table 10 · 5 rows · 3 columnsSBI prepayment and pre-closure charges, scope and exceptionsSBI's loan policy uses different bases for term/demand loans and other fund-based facilities, then lists borrower, repayment-source, lender-action and cash-credit/overdraft exceptions.View tableHide table

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SBI prepayment and pre-closure charges, scope and exceptions
Facility / eventPublished chargeConditions and exemptions
Term loan or demand loan prepayment2.00% of amount prepaidNo charge for an borrower; floating-rate non-business individual term loan; microfinance loan other than to -; repayment from internal cash accrual/equity; strategic lender exit; cash sweep/insurance proceeds; or lender-directed payment. Floating-rate non-business individual loans are exempt regardless of source or lock-in.
Other fund-based facility pre-closure/takeover2.00% of outstanding amount being taken overThe policy's listed and other specified exemptions apply; check the borrower's classification and sanctioned facility.
Cash-credit/overdraft closed before due dateMay be charged on an amount not exceeding the sanctioned limitApplies to all borrower categories under this clause.
Cash-credit/overdraft not renewed and closed on due dateNilBorrower must notify of non-renewal within the period stated in the loan agreement.
Previously waived charge; partial/full prepayment; dual/special-rate facilityNo retrospective recovery of a fee earlier waived; apply charge only to amount prepaid, not total outstanding. For dual fixed/floating rates, no prepayment charge when rate is floating; charge applies when rate is fixed at prepayment.Prepayment/foreclosure charges are among the policy exceptions where applies.
  • The E-Smart Score page describes cash-credit and term-loan facilities and says the applicable charges follow latest instructions for units. The bank-wide policy's explicit -borrower exemption is therefore material, but the borrower's legal classification and exact sanction conditions must be confirmed.
  • Demand loan in this policy does not include a working-capital loan under fund-based working capital. Do not apply the term/demand loan rule to E-Smart cash credit; use the separate CC/ rows.
Policy on Penal Charges in Loans and Advances · pages 4–6, clause 1.15, prepayment/pre-closure provisions · effective 1 Jan 2026 · accessed 24 Sept 2026Open official source ↗
Table 11 · 6 rows · 2 columnsSBI agriculture term-loan upfront fee and exemptionsView tableHide table

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SBI agriculture term-loan upfront fee and exemptions
Condition / ratingUpfront fee excluding
Agriculture term loan up to ₹2 lakhNil
Other term loan; CRA/CUE 1–41.25% of loan amount
Other term loan; CRA/CUE 5–101.50% of loan amount
Other term loan; CRA 11 or below/unrated or CUE 11 or below2.00% of loan amount
Bank loan up to ₹5 lakh to qualifying Micro/Small EnterpriseExempt if the borrower/unit meets the schedule classification
Term loan where upfront fee is recoveredNo separate loan processing charge
  • Upfront fee includes listed inspection, documentation, mortgage, , NeSL and CLP charges. Confirm borrower rating/classification, applicable exemption and with . This is not a flat -only fee.
Advances Related Service Charges — C&I, and AGL segments · pages 1–2, item 2(a), unified upfront fee and exemptions · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 12 · 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 / conditionCharge
Up to ₹25 lakhNil
Above ₹25 lakh to ₹50 crore during implementation0.10% of applicable basis
Above ₹25 lakh to ₹50 crore after implementation0.05% of applicable basis
Above ₹50 crore; CRA SB1–SB40.05%
Above ₹50 crore; CRA SB5–SB100.10%
Above ₹50 crore; literal tariff band “Below 10”0.15%; wording overlaps/ambiguous and is not interpreted here
  • Standalone term-loan review only; generally excluded when part of regular review/renewal, except through DCCO where working-capital limits are sanctioned. Staged disbursement uses sanctioned limit; after full disbursement and repayment commencement, it uses outstanding balance. Charged on anniversary of first disbursement. Some public-sector borrowers are exempt.
Advances Related Service Charges — C&I, and AGL segments · page 2, item 2(b), term-loan review charge and calculation rules · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 13 · 4 rows · 4 columnsSBI project appraisal fee for project term loansView tableHide table

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SBI project appraisal fee for project term loans
Project-loan quantumFee rateMinimumMaximum
Up to ₹25 crore1.10% of project cost₹11 lakh₹28 lakh
Above ₹25 crore to ₹50 crore0.85%₹28 lakh₹40 lakh
Above ₹50 crore to ₹100 crore0.55%₹40 lakh₹55 lakh
Above ₹100 crore0.30%₹55 lakhNegotiated in line with market conditions
  • The schedule says this applies to Project Term Loans only. It is conditional on classifying the sanction as such. It is additional to upfront fee when the appraisal note is shared in consortium/ lending.
Advances Related Service Charges — C&I, and AGL segments · page 2, item 2(d), Project Appraisal Fee · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 14 · 2 rows · 2 columnsSBI term-loan sanction revalidation chargeView tableHide table

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SBI term-loan sanction revalidation charge
Revalidated term-loan categoryRevalidation fee
Project loan30% of applicable Project Appraisal Fee
Other term loan50% of applicable unified upfront fee
  • Separate PF&S SBU staged fees are not assigned to without proof that this account is handled by that unit.
Advances Related Service Charges — C&I, and AGL segments · page 3, item 5(b), term-loan revalidation · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 15 · 3 rows · 2 columnsSBI term/demand-loan prepayment charge — policy clauseView tableHide table

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SBI term/demand-loan prepayment charge — policy clause
SituationPublished treatment
Term/demand loan prepayment or pre-closure2% of amount prepaid, subject to policy exemptions
Required non-renewal notice given and loan closed on due dateSeparate policy condition removes the charge
Borrower/facility exceptionsAs stated in clause 1.15; eligibility must be checked against borrower classification and sanction terms
  • Do not present 2% as universally payable. The policy has detailed exceptions and a separate due-date/notice condition.
Policy on Penal Charges in Loans and Advances · pages 4–5, clause 1.15 · effective 1 Jan 2026 · accessed 24 Sept 2026Open official source ↗

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