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nformation Technology In Health Services Information technology is increasing being used in health services. Some of the applications are:

Barcode Medication Administration where technology is used to reduce medication dispensing errors, improve patient safety in hospital settings. Chronic Disease Management where in technology is used to manage chronic illness like diabetes and heart failure. Telehealth where in technology connect doctors and patients in different geographical locations.

Medical Tourism Medical tourism is a relatively new concept, which is becoming popular globally. India has several advantages in favor of medical tourism like infrastructure, technology, cost effective medical care and hospitalization qualified and skilled doctors. Traditional Indian rejuvenation methods like yoga, ayurvedic massage find favor with people in western countries and corporate hospitals and wellness centers are cashing on this.

Interest rates | Branch Network | Loan selector | NRI Loans

Personal Loan Products

At SBT, we have a number of lending products to meet your varied needs of funds. Types of Personal Loan

Against deposits Gold Loans Against scrips

Cash Key Facility Conventional Mitra Varsha Housing Loan Sahaya Varsha Car Loan Two Wheeler Loan HOME CASH Home Decor LoanEducation loanSuvidha Loan Prasanthi Loan Prasanthi Elite Liquid Gold Premium

Personal Loans

click on the above links for details Interest Rates & PLR contact any of our branches to avail the loans ..

Cash Key facility

The most convenient method of obtaining advance against deposits. Unlimited withdrawals permitted in a Current account upto 90% of the deposit amoun and interest accrued. Cheque book facility is available. Interest charged on these loans will be 1% above the interest rate allowed on the deposit irrespective of the amount, rate of interest and period.

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Gold Loans
Conventional Loans against Gold ornaments. Amount of Loan - Maximum 10 lacs Period of loan - 6/12 months and can be further renewed Simple easy documentation.

Liquid gold - SBT Gold overdraft

Overdraft facility against pledge of Gold ornaments, operated as a running account wi facility of cheque book. Amount of Loan - Maximum 10 lacs Loans are granted for 6/12 months and can be further renewed.

Gold Loan Premium Scheme Loan Amount Upto Rs.100000/Above Rs.100000/Rs.1000000/RATES OF INTEREST 1% above Base Rate Presently 11.25 % 1% above Base Rate Presently 11.25 %

upto

Above Rs.1000000/- upto Rs.2500000/-

1.25% above Base Rate Presently 11.50%

Higher rates per gram on gold will be allowed under this product. Processing fee only at 50% of normal rate will be charged during the campaign period.

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Mitra Varsha Loan against shares & securities

A single over draft limit against the pledge of various types / combination of securities viz. IVP,LIC Policy, SBI Life Policy, Treasury FD, Post Office FD. By pledge of LIC/SBILife Policies Govt Of Kerala Treasury FD/Post Office FD Indira Vikas Patra Minimum Limit Rs.50000/Maximum Limit 95% of Surrender value Max Rs.20.00 lacs 70% of deposit + accrued interest. Max Rs.20.00 lacs 75% of purchase value Max Rs.5.00 lacs

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Housing Loan
PURPOSE For construction, purchase / repair / renovation / alteration of a house or for purchase of a plot for the construction of a house. PERSONS ELIGIBLE

i. ii. iii. iv. v.

All Resident with regular monthly income with a minimum NMI of Rs. 12,000/- and Resident Indians with a regular monthly income with a minimum NMI Rs. 15,000/-. Spouses of Non-Residents, who are residents and receiving regular monthly income. Salaried persons, self employed businessmen, professionals and agriculturists, who h regular monthly income and who have a minimum of three years of standing / experi in their line of activity. The age should be such that the borrower is able to close the account before he attai the age of 70. Relaxation in eligibility criteria from the minimum of 3 years to 1-2 years is allowed t employees of government/quasi government departments /establishments and listed companies whose minimum NMI is Rs. 20,000/- or more.

AMOUNT OF LOAN

i. ii.

60 times of Net monthly income (NMI)/ Average monthly income (AMI) for individual upto 45 years of age. 48 times of Net monthly income (NMI)/ Average monthly income (AMI) for individual over 45 years of age However the repayment obligation is restricted to Maximum 60% of the NMI/AMI. Maximum amount of the loan is Rs.300 lacs.

MARGIN Minimum 20%

INTEREST click here for interest rates DISBURSEMENT

a. Construction of new building

In three stage, 30%, 40% and 30% of the loan amount. The last installment will be disbursed three or four weeks prior of the completion of the building

b. Outright purchase 100% to the seller, after payment of the margin by the applicant. c. Purchase of plot and construction of the building.

The loan component for purchase of the plot will be 50% of the total project cost upto Rs.75 lac and 30% of the project cost above Rs.75 lac or 80% of the land value whichever is lower. REPAYMENT

UPTO 30 YEARS SUBJECT TO LIQUIDATTION OF THE LOAN BEFORE THE BORROWER REACHES THE AGE OF 70 YEARS.

It includes the repayment holiday of a maximum of 18 months. Repayment will begin completion of the house or 18 months from the disbursement of the first installment the loan, whichever is earlier.

NO PREPAYMENT PENALTY ON PRECLOSURE OF FLOATING RATE HOUSING LOANS W 31/10/2011

SECURITY Mortgage of property by deposit of title deeds. PROCESSING CHARGES Limit upto Rs.25,000 - Nil Limit above Rs.25,000 to Rs.2 lacs - 0.55% of the loan amount (Max.Rs.500/-) Limit above Rs.2 lacs - 0.55% of the loan amount maximum Rs.10000/-

Processing charge upto 30/06/2013 will be 0.275% (50% concession upto 30/06/2013) INSURANCE Insurance is to be arranged for the total cost of building. PAPERS TO BE SUBMITTED TO BANK

In addition to the application form(in duplicate) and two passport size photographs, the follo papers are to be submitted to the Bank. PROOF OF INCOME In case of salaried persons:

i. ii.

Salary certificate showing deductions. Authorisation to deduct monthly installments from the salary of employee for credit of the loan account wherever available.

a. In the case of self employed / professional / business men.

Audited accounts and Balance Sheets/income tax assessment orders/Returns/Memo/Statements of computation of taxable income filed for the last years. DOCUMENTS TO BE SUBMITTED FOR CONSTRUCTION / IMPROVEMENT OF HOUSES

i. ii. iii. iv. v. vi. vii. viii. ix. x.

A copy of the plan inclusive of site plan approved by the Corporation/ Municipality/Development Authority/Panchayat as required. A copy of the building permit issued by the Corporation/ Municipality / Panchayat as required. In areas where building permit is not required a No Objection Certificate fro the authority concerned. Estimate approved by licenced Egineers/Architects approved by local bodies. Original and prior title deeds. Latest tax receipts. Possession Certificate Encumbrance certificate from the Sub Registrar for the last 31 years. Title clear certificate from the banks approved advocate. Valuation report from the banks approved valuator. An affidavit cum Undertaking from the person that he shall not violate the sanctioned plan.

1. DOCUMENTS TO BE SUBMITTED FOR PURCHASE OF HOUSES/FLATS i. ii. iii. iv. v. vi. vii.
A copy of the agreement for sale. A copy of the Title deeds of the present owner. A copy of the land tax receipt. A copy of the building tax receipt. Encumbrance certificate from the Sub Registrar for the last 31 years. Title clear certificate from the banks approved advocate. Valuation report of the property and building from the banks approved valuator.

NOTE:

After the sale deed is executed, the original deed along with fresh encumbrance certificate a possession certificate should be submitted. For purchase of plot alone all the documents as above except the no. iv are to be submitted. After availment of the loan, encumbrance certif for four months after the date of mortgage is to be produced.

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Home Decor Loan

To furnish houses/flats

Purpose To purchase new household furniture, Refigerator, Electric fans, Air-conditioners, put up wardrobes, storage facilities or any other household items. Eigibility 1. Individuals availing Housing Loans from the Bank

2. Where a Housing loan was earlier obtained from us and the liability is still subsistin without overdues.

3. When availing Housing Loans for taking over from other Banks/Financial institution Amount 25 % of Housing loan or Rs. 5 lacs whichever is less Repayment maximum 10 years in monthly installments. Interest rate click here for interest rates Processing charges As applicable to Housing Loans

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Gyan Jyothi Education Loan

The scheme provides financial assistance to deserving meritorious students to pursue higher education in India and abroad PURPOSE

To meet the tuition and other fees\Examination\Library\Laboratory fee, cost of books\purcha of Computers\equipments\instruments\uniforms and the cost of passage for studies abroad. Caution Deposit, Building Fund, Refundable deposit subject to 10% of the Tuition Fe Any other expenses required to complete the course like study, tours, project work, thesis e also be financed.

ELIGIBLE COURSES Studies in India

Approved courses leading to graduate/post graduate degree and PG diplomas conducted b recognized colleges/universities recognized by UGC/Govt./AICTE/AIBMS/ICMR etc. Courses like ICWA,CA,CFA etc. Courses conducted by IIMs, IITs, IISc, XLRI, NIFT,NID etc. Regular Degree/Diploma courses like Aeronautical, pilot training, shipping, degree/diplom nursing or any other discipline approved by Director General of Civil Aviation/Shipping / Indian Nursing Council or any other regulatory body as the case may be, if the course is pursued in India. Approved courses offered in India by reputed foreign universities.

Studies abroad

Graduation : For job oriented professional/technical courses offered by reputed universities. Post graduation: MCA, MBA, MS, etc. Courses conducted by CIMA-London, CPA in USA etc. Degree/diploma courses like aeronautical, shipping etc provided these are recognized competent regulatory bodies in India/abroad for the purpose of employment in India/abroad.

ELIGIBILITY The student should be an Indian National (NRIs not eligible)

i) have secured admission to professional\technical courses through entrance test\ merit bas selection process conducted by a Govt Agency / University ii) have secured admission to foreign university institution.

List of accredited institutes for :Hotel Management, Catering Technology, Food Craft, Tourism & Travel Management
BORROWER : Student and parent/guardian/spouse/parent-in-law/grand parents jointly.

In the case of employed students\professionals, loans can be granted in individual names, w suitable guarantee. LOAN Amount: For studies in India Rs. 10 lacs For studies abroad Rs. 20 lacs MARGIN Upto Rs. 4 lacs - Nil

Above Rs.4 lacs - i) Studies in India - 5%

ii) Studies abroad -15%

INTEREST

click here for interest rates (Interest Rebate : 1 % Interest concession if interest debit during a financial year is remitted within one month of its debit in account)
0.5% concession for Girl Students. PENAL INTEREST : 2% FOR LOAN ABOVE RS.2 LAKHS REPAYMENT

To commence 1 year after completion of course or 6 months after getting job, whichever is earlier. The loan is to be repaid in 10-15 years after commencement o repayment. SECURITY

Loans upto Rs.4 lacs : Co-obligation of parent/guardian/spouse/parent-in-law/gra parents as the case may be. No security

Above Rs.4 lacs and upto Rs.7.5 lacs Co-obligation of parent/guardian/spouse/par in-law/grand parents as the case may be along with collateral in the form of a

satisfactory third party guarantee required.

For loans above Rs7.5 lacs Co-obligation of parent/guardian/spouse/parent-inlaw/grand parents along together with tangible collateral security of suitable

value preferably not less than 200% of the loan limit, along with assignmen of future income of the student for payment of instalments and tangible security of suitable value
Security can be in the form of land\building\ Govt. securities\public sector bonds\units of UTI, KVP, LIC Policy, gold, shares\debentures, bank deposit in the name of student\parent\guardian or any other third party with suitable margin. PROCESSING FEE No processing fee for studies in India. For studies Abroad Upto Rs.4 lacs - 0.5% Above Rs.4 lacs - 0.4% (Refundable on availment of 1st instalment) PAPERS TO BE SUBMITTED TO THE BANK Two copies of passport size photographs. Testimonials in original form from the head of the institution where the student

studied last and from one or two other respectable persons not related to th student.
Proof of admission to the course. Proof of selection in an approved merit based selection process. Schedule of expenses for the course. Documents required for KYC Compliance (ID and address proof) Copies of foreign exchange permit (if applicable) Copy of salary slip \ statement of income of parent \guardian. FOR MORTGAGE OF PROPERTY Original and prior title deeds. Latest tax receipts. Possession certificate. Encumbrance certificate for the last 15 years from the Sub Registrar. Title clear certificate from the banks approved advocate. Valuation report from the banks approved valuator.

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Sahaya Varsha
A clean demand loan to meet your short term funds/ financial needs for various purchases/emergent requirements such as marriage, family functions, travel, education, expensive medical treatment, operation etc. PERSONS ELIGIBLE

i.

Salaried employees having net monthly income exceeding Rs.5,000/- and maintaining salary account with us

AMOUNT OF LOAN 15 times of the net monthly salary / income, Minimum Rs.10,000/- and Maximum Rs.2,00,000/MARGIN -

NIL

INTEREST click here for interest rates REPAYMENT 6 to 60 months in Equated Monthly Installments. SECURITY Primary - Nil Collateral -

i. ii. iii.

Equitable Mortgage of property having value not less than 200% of the loan amount. Third party guarantee of two or more persons of sufficient worth acceptable to the Bank OR

a) Check off facility with one personal guarantee for loan amount upto Rs.1 lac b) Check off facility with one or two personal guarantee of sufficient worth for amount above Rs.1 lac. PROCESSING CHARGES Loans upto Rs.25,000/- = Rs.115/Above Rs.25,000/- = Rs.280/PAPERS TO BE SUBMITTED TO THE BANK

1. Application form (in duplicate) and two passport size photographs 2. Proof of income

In the case of salaried persons

i. ii. iii.

Salary Certificate showing deductions. Authorisation to deduct monthly installments from the salary of the employee for cred the loan account where check-off facility is available. Standing instruction to transfer monthly instalments from the salary account.

For mortgage of property

a. b. c. d. e.

Original and prior title deeds. Latest tax receipts Possession Certificate Encumbrance certificate for the last 15 years from the Sub-Registrar. Valuation report from the banks approved valuator.

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Suvidha Loan
Loan against mortgage of immovable property

FOR PERSONAL NEEDS SUCH AS MARRIAGE RELATED EXPENSES, FOREIGN TRAVEL, MEDIC EXPENSES ETC.. 1. Nature of Loan : Term Loan or Overdraft 2. Purpose :

Consumer needs General Purpose Loan

3. Eligibility : Individuals who are :

a. Should be an existing customer(s) of the bank with a satisfactory track record of m than one year. b. employees of Government, Quasi Government, reputed
companies/establishments.

c. Professionals, self employed and others who are income tax assesses. d. Engaged in agricultural and allied activities. e. Net monthly income of Rs.15,000 for salaried persons or net annual income of
Rs.1,80,000 in the case of others.

f. The income of the spouse may be added if he/she is a co-borrower.

4. Age Limit

: The age of the borrower should not exceed 60 years at the time of sanction.

5. Amount of Loan

: 24 times the net monthly income for salaried persons or 2 times the net an income in case of others.
Minimum Rs.50,000 - Maximum 1 Crore Overdraft facility - Maximum amount Rs 25 lakhs 6. Security

: Equitable mortgage of non encumbered Residential /Commercial property in the na and possession of the borrower/spouse/close relatives (provided the property holders become guarantors for the relative loan)
7. Margin : 40 % of the market value of the property.

8. Repayment : Equated monthly installments within a maximum period of 120 months wit check off facility in the case of salaried persons/84 months where check off facility is not available. 9. Interest click here for interest rates

10. Processing Fee : 2% of the loan amount. Max Rs. 50,000/- plus service tax@12.36% 11. Insurance

: The property being mortgaged should be insured against the risk of fire/riots/ earthquakes/lightning/floods etc. in the joint names of the borrower and the Bank for the full mar value of the property.

12. Papers to be submitted

a. b. c. d. e. f. g. h.

Application form 2 passport size photographs Copy of the income tax return for last 2 financial years duly acknowledged by ITO. Latest salary slip showing all deductions. TDS Certificate Form 16 in the case of salaried persons If property offered is an agricultural land converted as non-agricultural, copy of the relative order should be made available. In the case of agriculturist a certificate of income issued by the village officer should b produced. In the case of individuals engaged in trade/industry etc. wherever latest IT returns ar not available, the annual income can be assessment based on the IT return for the preceding year and the last balance sheet

12. Documents to be submitted

i. ii. iii. iv. v. vi.

Title deeds of the property proposed to be given as security. Prior title deeds. Latest tax receipts (both building and land) Possession Certificate Encumbrance certificate from the sub registrar for the last 31 years. After availment of the loan, encumbrance certificate for 4 months after the date of mortgage is to be produced.

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Prasanthi
A clean Demand Loan Scheme specially designed for Pensioners

1. Pensioners
All Central Civil, Defense, Railway, Telecom, KSRTC (Kerala State Road Transport Corporation), KSEB, KWA,Kerala Agricultural University, State and Bank Pensioners whose pension accounts are maintained at our branches. Pension accounts include those accounts to which Bank acts as the Pension Disbursing Officer and those accounts to which pension amounts are received from DPDO.

2. Age limit
Should not exceed 75 years at the time of sanction of loan.

3. Eligibility and Amount of Loan

Age of pensioner upto 60 years - A maximum of 15 months pension with a ceiling of Rs.1,50,000.

Age of pensioner over 60 years upto 65 years - A maximum of 12 months pension wi ceiling of Rs.1,25,000.

Age of pensioner over 65 years upto 75 years - A maximum of 10 months pension wi ceiling of Rs.1,00,000.

4. Guarantee

The spouse/nominee for family pension eligible for family pension should guarantee th loan or any other family member or a third party worth the loan amount.

5. Margin Nil 6. Interest click here for interest rates 7. Repayment Age upto 60 years - 54 equal monthly installments installments

Age above 60 years and upto 65 years - 48 equal monthly

Age above 65 years and upto 70 years - 36 equal monthly installments 8. Security The nominee to the pension should be a guarantor. 9. Processing charges 0.5% of the limit, Minimum Rs.20/10. Papers to be submitted to the Bank
Application form and two passport size photographs.

11. i. ii.

Documents to be executed

Demand Promissory Note in favour of the spouse/nominee for family pension and endorsed by the latter in favour of the Bank. DP Note Delivery Letter executed jointly by the borrower and the spouse/nominee.

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Car Loan
For NRIs & Residents Persons Eligible Salaried and other regular income earners with a minimum of 2 years standing/ experience in their line of activity Spouse of NRIs, based on the monthly income of the NRI. Minimum Net Annual Income Rs. 2,50,000/-

Amount of Loan Eligible Amount Maximum New Cars/Jeeps 48 times net monthly income Second hand cars 30 times net monthly income (vehicles upto 2 years old) Rs.4 lakhs (vehicles 2 to 5 years old) Rs. 3 lakhs * Margin Take over of Car loans (from other banks) can be considered. **Reimbursement of expenses incurred for purchase of new cars by way of Hypothecation is also considered subject to conditions. Margin Up to Rs.20 lakhs - 15% of the road cost of the new car to be purchased (invoice cost+life tax+Insurance) Above Rs.20 lakhs - not less than 25% 25% for second hand cars upto 2 years old 40% for second hand cars above 2 years upto 5 years old Repayment New Cars 84 equated monthly installments Second hand cars 60 equated monthly installments Security Primary : Hypothecation of the vehicle purchased out of bank finance. Collateral (for loans above Rs. 50000/-) :

Personal guarantee of one or two persons of sufficient worth.

Processing Charges 0.50% of the loan amount subject to a minimum of Rs.500/- and maximum Rs.10000/Insurance Comprehensive Insurance is compulsory for all loans for purchase of vehicle. Papers to be submitted to the Bank Application form (in duplicate) Passport size photos (2 nos) Proof of income A proforma invoice of the vehicle proposed to be purchased. Documents required for cars, please contact nearest branch Details of guarantors

a. In the case of salaried persons :

i. ii.

Salary Certificate showing deductions Authorisation to deduct monthly installments from the salary of the employee for cred the loan account where check-off facility is available.

b. In the case of self employed/professional/businessmen : Statement of computation of taxable income

.. Two Wheeler Loan For NRIs & Residents Persons Eligible

Salaried employees/pensioners, who are maintaining salary/pension accounts with us where recovery of instalment at source is possible

Amount of Loan Maximum Rs. 50,000 paid directly to the seller Repayment 72 equated monthly installments Security Hypothecation of the vehicle purchased out of bank finance. Personal guarantee of one person of sufficient worth

For more information please contact our branch in your neighborhood. or email to cmpsb@sbt.co.in