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SIDBI : Bhubaneshwar BO

http://www.sidbi.in/?q=interest-rate
for the interest rate on loan

Prime Lending Rate (PLR) 12.75% p.a.
Sr
No
Scheme/ Product Type of
Facility
Tenure Rate of
Interest
(% p.a.)
1. All loans/ advances to Micro enterprises
- Exposures upto Rs. 2 lakhs
Fixed
Rate
12.75
2. All loans/ advances to Micro enterprises
- Exposures above Rs. 2 lakh and upto
Rs. 10 lakhs
Floating
Rate
Less than or
equal to 3 years
12.50 to
13.00
More than 3
years
12.75 to
13.25
Fixed
Rate
Less than or
equal to
3 years
12.50 to
13.00
More than 3
years
12.75 to
13.25
3. Structured Loan to MSMEs including
Service Sector projects / Scheme of
Infrastructure Development (other than
micro enterprises, CRE Projects and
Schemes / borrower segments covered
at Sr. Nos.1,2,4-7,9-12)
Floating
Rate
Less than or
equal to 5 years
12.25 to
14.50
More than 5
years and upto 7
years
12.75 to
15.00
More than 7
years
13.00 to
15.25
Fixed
Rate
Less than or
equal to 5 years
12.25 to
14.50
Address : OCHC Building, 4th Floor, Near Ram Mandir, Janpath, Bhubaneswar - 751001, Orissa
Phone No : 0674-2394854
Fax : 0674-2394476
Contact id : Bhubaneswar@sidbi.in
More than 5
years and upto 7
years
12.75 to
15.00
More than 7
years
13.00 to
15.25
4. Scheme for loans for Energy Efficiency
& Clean Production Options
Floating
Rate
11.50 to 14.50
Fixed
Rate
11.50 to 14.50
5. CRE projects Floating
Rate
14.00 to 16.25
Fixed rate 14.00 to 16.25
6. Foreign Currency Term Loan FCTL in
USD
450 bps to 700 bps over 6
Month USD LIBOR
FCTL in
EURO
450 bps to 700 bps over 6
Month EURIBOR
7. Advances under Working Capital
Scheme
13.00 to
15.50
8. Resource support (all) / assistance to
NBFCs - AFCs
Floating
Rate
Above 1 year 11.50 to
12.75
Fixed rate Above 1 year 11.50 to
12.75
For loan with repayment periods upto 1 year,
the interest rates would be 25 bps less than
the interest rates for above 1 year
9 Discount Rate Structure for MSME Receivable Finance
9.1 MSME Receivable Finance and Invoice
Discounting Schemes (Discount Rates)
Based on
Usance period
10.25 to
13.50
9.2 Seller-wise Receivable Finance Scheme
(Discount Rates)
Based on
Usance period
11.00 to
14.00
9.3 With co-acceptance of scheduled
commercial banks / Inland LC
Irrespective of
Usance Period
Floor
interest rate
(irrespective of usance period) : 10.50
10. Direct Discounting Scheme
(Equipment)
a. With co-acceptance of
scheduled commercial banks
Floor
discount
rate : 10.50
b. Against alternate
security/others
12.75 to
15.00
11. Growth Capital and Equity Assistance
Scheme for MSMEs (GEMs)
Fixed
rate
Upto 7 years 14.75 to
15.75
12 Start-up Assistance scheme (operated
selectively)
Overall expected rate of return shall be
14.00% p.a.


Industry : Who is it for
Existing Small and Medium Service Sector Enterprises in need of Loan/Capital for Growth
Existing promoters with experience in the similar activity for setting up new projects.
Your current area of operation could be in any of the Service Sector Businesses listed below:
Hospitality & Tourism related activities (including Health Tourism)
Health care (Diagnostic & Pathology centres / Clinics, Hospitals, etc.)
IT and IT enabled services
Business Process Outsourcing (BPO), Knowledge Process (KPO)
and other knowledge based activities
Advertisement and Promotion Services
Infrastructure Support Services including activities relating to Telecom
Transport Services
Logistics
Supply chain management
Warehousing and cold storage
Retail outlets
Hotels below 5 star category, especially budget hotels
Restaurants
Modern health care facilities/ Health clinics/ Hospitals with
focus on relatively smaller hospitals
Franchisees / Franchisors
Rent a car operators
Scientific or technical consultancy, testing and analysis
agency, event management for industry, promotion of
industrial growth.
Tourism related activities
Auto workshops / Repairs/ Auto Dealers
Telecommunication Services
Business Process Outsourcing (BPO), Knowledge Process
Outsourcing (KPO) and other knowledge based activities like
call centres, technical help desks, medical transcriptions, bio-
informatics, contract research, etc.
Setting up of mobile/radio frequency transmission/receiver
towers, cabling, network installation, systems integration,
service centres, dealerships, etc.
Setting up of service stations (petrol and gas filling stations,
auto workshops, etc.), health and fitness centres, events
management, and establishment of design houses/studios.
(The list is only indicative and not exhaustive. We shall be pleased to offer assistance to
Service Sector Businesses not listed above.)
Your Needs
You would like to have adequate capital/loan to meet the growth aspirations of your business.
You would like to make investments in Marketing, Brand Building, Creation of Distribution
Network, Technical Know-how, R&D, Software Purchase, etc but the lenders you typically
approach are not comfortable with such intangible assets.
You would like to raise finance on the strength of your business and backing of your cash flows
rather than Asset Cover/ Collateral Security. You would also like to have a longer initial
moratorium on principal instalments to ensure greater chances of success for your ventures.(or
so that you have adequate time to stabilize the operations of your venture)
Scheme Details
Term loan and. Investment products such as Sub-debt, Equity, convertible debentures,
optionally convertible cumulative preference shares, zero coupon bonds, etc.
Key Benefits
Bridge the gap in means of finance for scaling up/ expansion/ modernization projects.
Access long term structured assistance especially for investments in intangible assets
Leverage Equity / Sub Debt Assistance from SIDBI for raising higher debt funds.
Avoid complexities of Enterprise Valuation, Exit Issues etc associated with Equity
Investments.
Eligibility
Service sector project within the ambit of Section 2 (h) of SIDBI Act.
Maximum project cost upto Rs 75 crore with term loan from SIDBI not exceeding Rs 50 crore.
Where investment in equipment is not more than Rs 5 crore, project cost upto Rs 250 crore.
The unit should generally be a private limited / public limited company. However, partnership
firms, sole proprietorship concerns and Societies and Trusts would also be considered on a
case to case basis.

other links : http://www.dcmsme.gov.in/MSE-CDProg.htm
VVI Links : http://smallb.in/step-step-guide-starting-business
http://smallb.in/what-smallbin

All the best dii