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EBLR

External Benchmark Linked Lending Rate (EBLR) for Retail Product

  CIBIL Credit Vision Score Repo Rate
(3 Month Review)
in %
Spread in % Revised EBLR
(in %)
PSB APNA GHAR 768-900 4.00 2.90 6.90
753-767 4.00 3.00 7.00
732-752 4.00 3.20 7.20
690-731 4.00 3.45 7.45
641-689* 4.00 3.60 7.60
PSB APNA GHAR Top-up 768-900 4.00 4.10 8.10
753-767 4.00 4.20 8.20
732-752 4.00 4.40 8.40
690-731 4.00 4.65 8.65
PSB APNA VAHAN Four Wheeler Vehicle 768-900 4.00 3.10 7.10
753-767 4.00 3.20 7.20
732-752 4.00 3.40 7.40
690-731 4.00 3.65 7.65
641-689* 4.00 3.90 7.90
Two Wheeler Vehicle 767-900 4.00 7.85 11.85
753-767 4.00 8.00 12.00
732-752 4.00 8.20 12.20
690-731 4.00 8.45 12.45
641-689* 4.00 8.60 12.60
Old Four Wheeler Vehicle 768-900 4.00 5.85 9.85
753-767 4.00 6.00 10.00
732-752 4.00 6.20 10.20
690-731 4.00 6.50 10.50
 

PSB APNA VAHAN for other than individual
Table A

Commercial CIBIL RANK / External Rating EBLR
  Repo Rate
(in %)
Spread
(in %)
EBLR
(in %)
1 or AAA 4.00 3.10 7.10
2 or AA 4.00 3.20 7.20
3-4 or A 4.00 3.40 7.40
5-6 or BBB and BB 4.00 3.65 7.65
*7-8 or BBB and BB (*Terms & Conditions Apply) 4.00 3.90 7.90
 
    CIBIL Credit Vision Score Repo Rate
(in %)
Spread
(in %)
EBLR
(in %)
PSB Sukhmoney (Reverse Mortgage Loan Scheme) Up to Rs.20 lakh 768-900 4.00 4.90 8.90
753-767 4.00 5.00 9.00
732-752 4.00 5.20 9.20
690-731 4.00 5.45 9.45
Above Rs.20 lakh 768-900 4.00 5.35 9.35
753-767 4.00 5.50 9.50
732-752 4.00 5.70 9.70
690-731 4.00 5.95 9.95
PSB Personal Loan Salaried Class - Salary disbursed through our branches (Including SB OD Accounts) 4.00 7.10 11.10
For Pensioners 4.00 7.10 11.10
IBA Model Education Loan scheme Loan up to Rs.4 Lakh 4.00 5.10 9.10
Loan Above Rs.4 Lakh & up to Rs.7.50 Lakh 4.00 5.10 9.10
Above Rs.7.50 Lakh 4.00 4.60 8.60
PSB Excellence-Education Loan Loan up to Rs 20 lakh 4.00 4.30 8.30
IBA Skill Loan Loan up to Rs 1.50 lakh 4.00 6.10 10.10
PSB Mortgage Term Loan facilities (for Personal Use) 768-900 4.00 5.35 9.35
753-767 4.00 5.50 9.50
732-752 4.00 5.70 9.70
690-731 4.00 5.95 9.95
PSB Kisan Home Loan Up to Rs. 20.00 lakh Same ROI as applicable to PSB Apana Ghar Scheme      
     
     
     
PSB Gold Loan Loan/Limits upto Rs 10.00 lakh 4.00 3.00 7.00
Loan/Limits above Rs.10.00 lakh 4.00 3.50 7.50
 

External Benchmark Linked Lending Rates (EBLR) for Micro Small and Medium Enterprises.
Table ‘B’
Funded Exposure Up to Rs. 10 lakh

Description Repo Rate
(in %)
Spread
(in %)
EBLR
(in %)
Up to 5 Lakh 4.00 3.00 7.00
Above 5 Lakh to 10 lakh 4.00 3.85 7.85
 

Funded Exposure above Rs.10 lakh

Internal Rating Repo Rate
(in %)
Spread
(in %)
EBLR
(in %)
1 4.00 5.10 9.10
2 4.00 5.40 9.40
3 4.00 5.95 9.95
4 4.00 6.45 10.45
5 4.00 6.95 10.95
6 4.00 7.30 11.30
7 4.00 8.10 12.10
 
Table ‘C’

ROI for Ancillary Activities (Agriculture) Loan Products

Rate of Interest(%PA) for Loan up to Rs 10.00 Lakh
Limit Repo Spread (in %) Effective ROI (%)
Upto Rs 10 Lakh 4.00 3.00 7.00%
 
Internal Rating Repo Rate In % Spread (in %) Revised EBLR In %
1 4.00 4.50 8.50
2 4.00 4.60 8.60
3 4.00 4.70 8.70
4 4.00 4.80 8.80
5 4.00 4.90 8.90
6 4.00 5.05 9.05
7 4.00 5.20 9.20
 
                Table ‘D’

ROI for Rupee Export Credit

Internal Rating Repo Rate In % Spread (in %) Revised EBLR In %
1 4.00 3.95 7.95
2 4.00 4.05 8.05
3 4.00 4.15 8.15
4 4.00 4.30 8.30
5 4.00 4.35 8.35
6 4.00 4.60 8.60
7 4.00 5.40 9.40
 
PRIORITY SECTOR (MSME) SCHEMES Product information Repo Rate
(in %)
Spread
(in %)
EBLR
(in %)
PSB Scheme on Financing Food & Agro Processing Units Above 100 crore 4.00 As per Table 'B'
PSB Scheme on Financing Rice Shellers Above 100 crore 4.00 As per Table 'B'
PSB Agri-Produce Pledge Loan (against warehouse receipt) Scheme   4.00 4.10 8.10
PSB KRISHAK MITRA i) Upto and Inclusive of Rs.100 lakh 4.00 3.95 7.95
ii) Above Rs.100 lakh 4.00 4.50 8.50
Vyapar Loan Working Capital Term Loan facilities repayable upto 5 years 4.00 5.65 09.65
Term Loan facilities repayable upto 10 years 4.00 5.90 09.90
Overdraft facilities 4.00 5.40  9.40
PSB Liquid plus Scheme Term Loan facilities repayable upto 5 years 4.00 5.25  9.25
Term Loan facilities repayable above 5 years 4.00 5.45  9.45
Overdraft facilities 4.00 5.00  9.00
Commercial Vehicle Loan Loan up to Rs. 25 lakh 4.00 5.35  9.35
Loan above Rs. 25 lakh 4.00 5.85  9.85
PSB Doctor Special Loan Scheme        
Above Rs.10 lakh & Upto Rs.2 Crore 4.00 5.75  9.75
Above Rs.2 crore & Upto Rs.5 Crore 4.00 6.00  10.00
PSB Contractor Plus Term Loan Facilities Repayable upto 10 years 4.00 5.75  9.75
Overdraft facilities 4.00 5.05  9.05
PSB Flexi Term Loan 4.00 5.05  9.05
PSB Guaranteed Emergency Credit Line (PSB GECL) for Business Enterprises Scheme code - ECLTLGL Upto 5 lac 4.00 3.00  7.00
Above 5 lac 4.00 3.50  7.50
PSB-PM Svanidhi Scheme 4.00 5.50  9.50
PSB-CGSSD 4.00 4.50  8.50
PSB Mortgage Term Loan facilities (For MSME) As per Table 'B'
Overdraft facilities (For MSME) As per Table 'B'
Scheme for financing Micro-Finance Institutions (MFIs)   As per Table 'B'
PSB Scheme for Financing Agri- Seed Processing Units Above 100 crore As per Table 'B'
PSB Scheme for financing of E-Rikshaws (ECO-RIDE Scheme)   As per Table 'B'
STAND UP INDIA   As per Table 'B'
DAY NRLM   As per Table 'B'
DAY NULM   As per Table 'B'
PMEGP (Other than Agri)   As per Table 'B'
PSB Scheme for financing Solar heating System   As per Table 'B'
MNRE’s Scheme for Establishment of Akshya Urja Shops   As per Table 'B'
Non-Schematic MSME   As per Table 'B'
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