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एस एम ई ऋण
  1. Salient features of the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
    • The eligible loan limit under the Scheme is now Rs.50 lakhs.
    • The credit guarantee cover has been raised from 75% to 80% for the following category of loans:
      1. Loans to Micro enterprises upto Rs. 5 lakh; and
      2. Loans to Micro and Small enterprises operated and/ or owned by women.
    • The coverage of the Scheme will now be extended to all new and existing Micro and Small Enterprises (both in the Manufacturing Sector as well as Service Sector).
 
INTEREST RATES ON MICRO ENTERPRISES ADVANCES (Manufacturing & Services )
TYPE OF ADVANCE EXISTING RATE OF INTEREST ON EXISTING RATE OF INTEREST ON
ADVANCES W.E.F. 07.11.2008 %AGE PER ADVANCES W.E.F. 19.12.2008 %AGE PER
ANNUM ANNUM ANNUM ANNUM
Size of the limit of the Micro Enterprises account    
Up to Rs 50000 PLR-2.25= 11% PLR-3.25= 10%
Above Rs 50000 but up to Rs 2.00 Lacs PLR-1.50%= 11.75% PLR-2.50%= 10.75%
Above Rs 2.00 Lacs but up to Rs 25.00 Lacs PLR-1.25% = 12% PLR-2.25% = 11%
Above Rs.25.00 lac and up to Rs.1.00 crore PLR minus 1.50% = 11.75% if credit rating is A++ PLR minus 2.50% = 10.75% if credit rating is A++
PLR minus 1.00% = 12.25% if credit rating is A+ PLR minus 2.00% = 11.25% if credit rating is A+
PLR = 13.25% if credit rating is A PLR minus 1.00% = 12.25% if credit rating is A
PLR plus 1.00% =14.25% if credit rating is below A PLR =13.25% if credit rating is below A
Above Rs.1.00 crore and up to Rs.10 crore PLR minus 1.25%=12% if credit rating is A++ PLR minus 2.25%=11% if credit rating is A++
PLR minus 1.00%=12.25% if credit rating is A+ PLR minus 2.00%=11.25% if credit rating is A+
PLR =13.25% if credit rating is A PLR minus 1.00% = 12.25% if credit rating is A
PLR plus 1.50% =14.75% if credit rating is below A PLR plus 0.50% =13.75% if credit rating is below
A
Above Rs.10.00 crore PLR minus 1.25%=12% if credit rating is A++ No Change
PLR minus 1.00%=12.25% if credit rating is A+  
PLR =13.25% if credit rating is A  
PLR plus 1.50% =14.75% if credit rating is below
A		  
 
INTEREST RATES ON SMALL ENTERPRISES (SE) ADVANCES (Manufacturing & Services )
TYPE OF ADVANCE EXISTING RATE OF INTEREST ON REVISED RATE OF INTEREST ON
ADVANCES W.E.F. 07.11.2008 %AGE PER ADVANCES W.E.F. 19.12.2008 %AGE PER
ANNUM ANNUM
Size of the limit of the Micro Enterprises account    
Up to Rs 50000 PLR-2.25= 11% PLR-3.25= 10%
Above Rs 50000 but up to Rs 2.00 Lacs PLR-1.50%= 11.75% PLR-2.50%= 10.75%
Above Rs 2.00 Lacs but up to Rs 25.00 Lacs PLR-1.25% = 12% PLR-2.25% = 11%
Above Rs.25.00 lac and up to Rs.1.00 crore PLR minus 1.50% = 11.75% if credit rating is A++ PLR minus 2.50% = 10.75% if credit rating is
A++
PLR minus 1.00% = 12.25% if credit rating is A+ PLR minus 1.50% = 11.75% if credit rating is A+
PLR = 13.25% if credit rating is APLR = 13.25% if credit rating is A PLR minus 0.50% = 12.75% if credit rating is A
PLR plus 1.00% =14.25% if credit rating is below A PLR plus 0.50% =13.75% if credit rating is below
A
Above Rs.1.00 crore and up to Rs.10 crore PLR minus 1.25%=12% if credit rating is A++ PLR minus 1.75% = 11.50% if credit rating is A++
PLR minus 1.00%=12.25% if credit rating is A+ PLR minus 1.50% = 11.75% if credit rating is A+
PLR =13.25% if credit rating is A PLR minus 0.50% = 12.75% if credit rating is A
PLR plus 1.50% =14.75% if credit rating is below A PLR plus 1% =14.25% if credit rating is below A
Above Rs.10.00 crore PLR minus 1.25%=12% if credit rating is A++


No Change
PLR minus 1.00%=12.25% if credit rating is A+  
PLR =13.25% if credit rating is A  
PLR plus 1.50% =14.75% if credit rating is
below A 		 
 
INTEREST RATES ON MEDIUM ENTERPRISES (ME) ADVANCES
TYPE OF ADVANCE EXISTING RATE OF INTEREST ON ADVANCES REVISED RATE OF INTEREST ON ADVANCES
W.E.F. 07.11.2008 %AGE PER ANNUM W.E.F. 19.12.2008 %AGE PER ANNUM
Size of the limit of theME account    
Up to Rs 25.00 Lacs PLR minus 1.50% = 11.75% p.a if credit rating is A++ PLR minus 2% = 11.25% p.a if credit rating is A++
PLR minus 1.25% = 12% p.a. if credit rating is A+ PLR minus 1.75% = 11.50% p.a. if credit rating is A+
PLR minus 1.00% = 12.25% p.a. if credit rating is A PLR minus 1.50% = 11.75% p.a. if credit rating s A
PLR minus 0.75% = 12.50% p.a. if credit rating is B+ PLR minus 1.25% = 12% p.a. if credit rating is B+
PLR minus 0.50% = 12.75% p.a. if credit rating is B. PLR minus1% = 12.25% p.a. if credit rating is B
Above Rs.25.00 lac and up to Rs.1.00 crore PLR minus 1.25% = 12% p.a. if credit rating is A++ PLR minus 1.75% = 11.50% p.a. if credit rating is A++ .
PLR minus 1.00% = 12.25% p.a. if credit rating is
A+		 PLR minus 1.50% = 11.75% p.a. if credit rating is
A+
PLR = 13.25% if credit rating is p.a. A PLR minus 0.50% = 12.75% if credit rating is p.a.
A
PLR plus 1.00% =14.25% if credit rating is p.a. B+ PLR plus 0.50% =13.75% if credit rating is p.a. B+
PLR plus 1.50% =14.75% p.a. if credit rating is B PLR plus 1% =14.25% p.a.   if credit rating is B.
Above Rs.1.00 crore andup to Rs.10 crore
.		 PLR minus 1.25%=12% p.a. if credit rating is A++ PLR minus 1.75% = 11.50% p.a. if credit rating is
A++

PLR minus 1.00%=12.25% p.a. if credit rating isA+

PLR minus 1.50% = 11.75% p.a. if credit rating isA+

PLR =13.25% p.a. if credit rating is A

PLR minus 0.50% = 12.75% if credit rating is p.a.A

PLR plus 1.50% =14.75% if credit rating is p.a.B+

 PLR plus 1% =14.25% p.a. if credit rating is B+
PLR plus 2.00% =15.25% p.a. if credit rating is B PLR plus 1.50% =14.75% p.a. if credit rating is B
Above Rs.10.00 crore PLR minus 1.25%=12% p.a. if credit rating is A++ No Change
PLR minus 1.00%=12.25% p.a. if credit rating is
A+
  
PLR =13.25% p.a. if credit rating is A  
PLR plus 1.50% =14.75% if credit rating is p.a. B+  
PLR plus 2.00% =15.25% p.a. if credit rating is B  
 
SIZE OF THE LIMIT OF THE SME ACCOUNT FOR DETERMINING THE RATE
The revised rate of interest on SME accounts is based on the size of limits sanctioned to the borrower. The limits to be taken into account shall be as follows:
  1. Non-fund based limits sanctioned to the SME borrower shall not be included in the total limits for determining the rate of interest.
  2. All fund -based limits including term loans and working capital limits shall be taken into account for determining the rate of interest.
  3. In the case of term loans, the original term loan limit is to be taken into account and not the outstanding in the term loan.