STATE BANK OF INDIAPRESENTS

SMART SME PRODUCTSFOR

SMART BUSINESSES

State with the largest coastline of 1600 kms & 42 portsOne major, 41 minor, First private port. Chemical terminal

Above 3 lac SMEs in Gujarat

Over 3.20 lacs Industrial units in Gujarat

Gujarat accounts for 25.8% of the country’s

total investment

202 industrial estates in Gujarat

120 clusters in Gujarat

Manufacturing powerhouse with world class production capabilities-

16% of country’s manufacturing output

One of the leading industrial states of the

country

Economic Activity: – Agriculture - 29%– Manufacturing- 34%; – Services- 37%;

Advantage GujaratAdvantage Gujarat

Investor Profile: –Govt. 47%; –Foreign 3.6%; –Indian 49%

THE INHERENT ADVANTAGES THE STATE OF GUJARAT OFFERS, SPEAK FOR THEMSELVES. THE INDUSTRIAL CLIMATE FOR SMES AND ANCILLARIES IS

THEREFORE VERY CONDUCIVE.

SBI – PERFORMANCE IN GUJARATSBI – PERFORMANCE IN GUJARAT

Description Total Description Total

Total Deposits 60816.00 Total Advances 42402.00

SME DEPOSITS 12794.00 SME ADVANCES 28794.00

Amount in Rs. CrAs on March 2011

SME PRODUCTS State Bank of India has been playing a vital role in the

development of small scale industries since 1956. The Bank has developed a wide array of products to meet the changing needs of the industry. It provides end -to -end solutions for the financial needs of the industry. To service the specific credit needs of small and medium enterprise (SME) the Bank established the Small & Medium Enterprise business unit in 2004.

Apart from the general working capital requirements (like Cash credit, Bill Discounting limits, LC, BG etc) to meet the day to day requirements and term loans to take care of investment needs for acquiring fixed assets, Bank has an array of products/schemes to cater to the enterprise specific require ments of SME Units both in Manufacturing and Trade and services sectors. Brief details of some of the schemes are as under:

SME LOAN PRODUCTSFor Micro Enterprises and SSIs

SME Credit Card (Up to Rs.10 Lakh)SME Smart Score (Up to Rs.50 Lakh)

For StartupsSBI SMILE (Interest Free Loan as equity)

Term Loans for SSIsGeneral Purpose Term Loan for SSI Sector (Up to Rs.50 Lakh)Open Term Loan (Up to Rs.2.5 Cr)Corporate Loan (Fro Rs.25 Lakh up to Rs.10 Cr)

Add OnsSME Credit PlusStandby Line of Credit for Working Capital

Food processing Rice Mill PlusDal Mill Plus

Collateral Free LoanSME Collateral Free Loan

For TradersTraders Easy LoanFlexi Loan for Trade and Services

For DoctorsDoctor Plus

For Schools & InstitutesSchool Plus

For Shop OwnersSBI ShoppeSBI Shoppe Plus

For Restaurant ownersFinance to Restaurants

For Transport OperatorsTransport Plus

For skill based businesses Artisan Credit Card

For Vendors and Dealers: Supply Chain Finance Electronic Vendor Finance Scheme Electronic Dealer Finance Scheme

Loans to Women Entrepreneur Stree Shakti Scheme

MiscellaneousRent PlusSME Construction Equipment LoanSME Car Loan

SME LIABILITY AND TRANSACTION PRODUCTS

• SBI Power

• SAHAJ Current Account

• Surabhi Deposit Account

• B2B Payment Solution

• Power Jyoti Current Account

FOR MICRO ENTERPRISES AND SSIS SME Credit Card (Up to Rs.10 Lakh)

Product provides loans for the micro enterprises including SSI units, small business enterprises, professional and self employed persons, small retail traders, transport operators etc for meeting any kind of credit requirement including purchase of shops, maximum limit being Rs 10 lakhs including term loan & working capital loan. The loan will be sanctioned for 3 years with an annual review. This product has simplified sanction process without requirement of elaborate financial data. The borrower will be provided a photo identity card and a passbook giving details of the limit and validity of the facility. A cheque book marked as SME Credit Card and a pass book would be issued to the customer.

SME Smart Score (Up to Rs.50 Lakh)

The Loan product is for units in Micro and Small Enterprise sector in manu facturing trade and services segments to meet working capital needs and for acquisition of fixed assets. A simplified appraisal model has been de veloped to standardize the appraisal process for loans upto Rs 50 lakhs in SSI sector and upto Rs 25 lakhs for trade and services sector available with attractive interest rates. The loan will be sanctioned for 2 years with an an nual review. Back

FOR STARTUPS

SBI SMILE (Interest Free Loan as equity)

The scheme envisages grant of interest free loan as equity assistance to wards part of margin requirements of the project, to assist eligible profes sional and technically qualified entrepreneurs setting up new Micro and Small enterprises and units covered under the Bank’s Project uptech for technology upgradation.

Equity assistance is up to a maximum of Rs.10 lakhs. Professional and Technically qualified persons will cover doctors including dentists, engineers, and management graduates etc. The interest free loan is repayable in 3 years with a moratorium period of 5-7 years.

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TERM LOANS General Purpose Term Loan for SSI Sector (Up to Rs.50 Lakh)

This product is for existing borrowers for any general commercial purpose such as shoring up of Net Working capital, substitution of high cost debt, R&D, ISO certification etc, subject to disbursement being made in line with the specific purpose approved. Maximum loan available is Rs 50 lakhs repayable in maximum period of 5 years.

Open Term Loan (Up to Rs.2.5 Cr)

A pre-sanctioned term loan with limit upto Rs 2.5 crore for existing or new corporate or non-corporate customers in both manufacturing & services sector

The scheme provides option of multiple disbursements for multiple purposes like expansion/modernization, substitution of high cost debt, up-gradation of technology, energy conservation system, acquisition of software, hardware, visits abroad for acquiring technology, finalizing deals, participation in fairs, market promotion etc.

The sanctioned limit is valid for 1 year. Margin requirement is 10%.

The borrower can utilize pre-approved sanction to plan capital expenditure and negotiate with suppliers of machinery and finalize best possible contract.

Corporate Loan (Fro Rs.25 Lakh up to Rs.10 Cr)

The scheme provides term loan for all existing customers and established non customers (subject to takeover norms of the Bank) in manufacturing sector for repayment of high cost debt, VRS scheme expenses, on going capital expenditure such as replacement of parts of machineries, upgradation and renovation, shoring up of net working capital, R&D expenses, acquisition of tools jigs etc.

Quantum of Finance is minimum Rs.25 lakhs and maximum Rs.10 crores for non Corporate and no cap for Corporate borrowers. No Margins are required under the scheme.

A maximum of three corporate loans can be outstanding per borrower at any point of time.

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ADD ONS SME Credit Plus

For existing and new borrowers this scheme provides a clean cash credit facility to meet contingencies, sudden and unforeseen expenditures like repairs, meeting bulk orders, tax payments, mismatch in cash flows etc. Under the scheme 20% of aggregate WC or max Rs.25 lakhs fund based limit can be availed. Margins are not required and interest rate will be same as applicable to cash credit limit.The facility is repayable in 2 months and can be availed for 12 times a year

Standby Line of Credit for Working CapitalFor existing units including export units, an additional Working Capital(Fund based & non Fund based) limit by way of cash credit, packing credit and bills discounting against stock, receivables to meet contingencies like bunching of orders, delay in shipment, sudden increase in raw material prices, mismatch in cash flows. Under this 15% of aggregate Working Capital or max Rs.5 crore can be availed. Margins as applicable to original limit.The facility is repayable in 2 months and can be availed any number of times in a calendar year

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FOOD PROCESSING

Rice Mill PlusTerm loan for acquisition of machinery/factory building for modernization/ expansion and working capital needs of Rice Mills engaged in milling, sorting, grading and polishing. No upper ceiling on loan amount.

Dal Mill PlusTerm loan for Dal mill owners for acquisition of machinery, factory building, modernization and all working capital needs.

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COLLATERAL FREE LOANS

SME Collateral Free Loan (SMECFL)Collateral free loan for viable projects of micro and small enterprises in manufacturing and service sector with maximum guarantee cover up to Rs.1.00 crore under CGTMSE guarantee scheme for working capital & Term Loan (FB+NFB) facilities.

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Target Group Micro and Small enterprises (as per RBI guidelines), without

any collateral security and\or third party guarantee and not exceeding Rs.100 lakh by way of term loan and/or working capital facilities

Eligibility NO collateral security and / or third party guarantee has been

taken by the Bank. The account has not become bad or doubtful of recovery;

and / or The business or activity of the borrower for which the credit facility was granted has not ceased; and / or

The credit facility has not wholly or partly been utilized for adjustment of any debts deemed bad or doubtful of recovery, without obtaining a prior consent in this regard from the Trust.

Tenure of cover The guarantee cover under the CGTMSE would be for agreed

tenure of the term loan/ composite credit. The tenure is 5 years or block of 5 years, in case of working capital credit facility covered under CGTMSE

Extent of Cover Upto a max. of Rs.100 lacs

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CGTMSE

FOR TRADERS Traders Easy Loan

Easy loan for specific business needs of traders, wholesalers and professionals, self-employed, small business enterprises, agents engaged in purchase and sale of food grains, commodities, cold storage units, having collaterals like land, buildings and liquid securities. Loan can be availed for normal day to day business requirements or for purchase of equipments/ fixed assets. Loan is available upto Rs 5 crore with very competitive rate of interest.

Flexi Loan for Trade and Services

Term Loans to well established whole sale and Retail Traders, distributors, stockists, construction, transport & supply contractors, hospitals, nursing homes, clinical labs, resorts, travel agents etc for any general purpose such as holding of stocks, book debts, acquisition of land and building, renovation of office/showroom, purchase of vehicles, equipment etc.Repayable in 3-5 years but in deserving cases extendable up to 8 years.Maximum loan Rs.1.00 crore.

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FOR DOCTORS

Doctor Plus

Loans to Doctors for setting up clinics/ nursing homes, Pathological Labs, drug stores, ambulances, computers, vehicles including expansion/ renovation of existing premises etc.Available for all streams viz. Allopathy, Homeopathy, Ayurvedic etc. Low Margins at 10-15%, with loans up to Rs.5.00 crore. repayable in 7 years.

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FOR SCHOOLS & INSTITUTES

School Plus

Term Loans to educational institutions including primary and higher secondary schools, graduation, under-graduation and post-graduation colleges, technical institutes recognized by AICTE/NBA/MCI available for purchase of land and building, repairs/ renovation, furniture, equipment, computers, vehicles, purchase of books/manuals/software and other training material, sports equipments, equipment for mid day meals scheme etc.

Margins 15%, concessions in interest rates, repayable in 7 years. Back

FOR SHOP OWNERS

SBI Shoppe

Loans for present and prospective owners of shops/ offices/ show-rooms/ training centres/ service centres/ garages/ offices for Chartered Accountants/ Consultants for the purchase / repair/ renovation of new/ old shops/ establishments/ offices/ dealer’s showroom etc. Maximum Term loan available is Rs 20 lakhs repayable in 3-7 years.

SBI Shoppe Plus

Loan to individuals/ proprietors/ partners etc with a steady source of income and possessing necessary approvals for construction of their residential house and for construction of office/shop, purchase of furniture, equipment, etc. Loan is given for purchase of residential houses and for office space as well. The scheme is a combination of housing loan and SBI Shoppe for professionals and self employed entrepreneurs.

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FOR RESTAURANT OWNERS

Finance to RestaurantsLoans to the Owners of Restaurants and Fast food chains for purchase of kitchen equipments, investment in interior decoration, purchase of furniture and fixtures, purchase of land and construction of buildings etc.The loans are repayable in maximum period of 7 years. Simple sanction process.

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FOR TRANSPORT OPERATORS

Transport Plus

Term loans for purchase of new transport vehicles at cost on road basis and working capital facilities against the receivables. Loans are available for surface transport operators owning more than 10 well maintained and road worthy vehicles including trucks, tankers, tippers, luxury buses. Margins 20% for term loans and working capital loans. Concessions in interest rates are also available.

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FOR SKILL BASED BUSINESSES

Artisan Credit Card

The scheme provides loans to Artisans to meet their credit requirements both for investments as well as working capital in a flexible manner at liberal rates of interest. A photo Id card and a passbook will be issued and the limit is valid for 3 years subject to annual review. Beneficiaries registered with the Development Commissioner (Handicrafts) will be eligible for insurance cover under group guarantee scheme for which premium will be paid by the government and the beneficiaries in the ratio of 60:40.Maximum loan under the scheme is Rs. 2.00 LakhNo collateral security is required. Loans will be covered under CGTMSE scheme, the fees for the same will be reimbursement by the Development Commissioner (Handicrafts, Ministry of Textile, GOI)

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LOANS TO WOMEN ENTREPRENEUR

Stree Shakti Scheme

For women entrepreneurs in Retail trade, Business enterprises, Professionals and self employed, small scale units or tiny units where the women entrepreneur’s stake is more than 51%, Term Loan & Working Capital facility is available with concessionary margins and interest rates.

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MISCELLANEOUS Rent Plus

Loan is given for purchase of residential house and for office space as well.The scheme is a combination of housing loan and SBI Shoppe for professionals and self employed entrepreneurs. The loan is to meet the liquidity mismatches of the borrowers business

SME Construction Equipment LoanTerm Loan for purchase of construction equipments viz. loaders, excavators, cranes etc., for contractors and firms engaged in construction activity.Loan is not available for purchasing old machinery/ vehicles. Maximum loan available is upto Rs 25 crore with minimum margin applicable upto 15%.Tenure of loan can be extended upto maximum of 4 years.

SME Car LoanLoans for purchase of passenger cars, jeeps, multi utility vehicles etc., to the promoter/partner/senior executives of the SME units having borrowing arrangements with the Bank/ their family members either in their own name or the units name as per the choice of the customer. SME Current Account holders of the Bank or their family member either in their own name or in the unit’s name, and other SME clients subject to obtaining a NOC from the bank where they might have a loan account, are also eligible.MCG units of the Bank will also be eligible for the product. Loans available for used cars also.

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FOR VENDORS AND DEALERS: SUPPLY CHAIN FINANCE

Supply Chain Financing is an online collaborative platform for the banks, buyers and sellers for transactions and financing across the financial supply chain.

Electronic Vendor Finance SchemeThe scheme provides for financing receivables of vendors of reputed Cor porates/ Industry majors (IMs). The scheme is a completely web based so lution with minimal branch intervention and provides instant credit to ven dors account electronically. This enables both the Industry Majors and their vendors to achieve the objective of Just In Time production. The vendors enjoy timely availability of funds.

Electronic Dealer Finance SchemeThe scheme provides for financing purchases of Dealers from Corporates/Industry Majors (IMs). It is a completely web based solution with customized MIS provided to the stakeholders. The Industry Major enjoys timely availability of funds. The dealer can make effective utilization on working capital funds. Both Industry Major and dealer can make use of improved cash flow forecasting.

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SBI POWER

Value added Current account with eight variants with concessions in cash transaction, remittances, collections and various other banking needs, based on the Quarterly Average Balance (QAB) maintained by our business customers.

POWERCURRENTACCOUNTVARIANTS POWER PACK QAB – Rs.5lacs POWER PREMIUM QAB – Rs.4lacs POWER PRIVILEGE QAB – Rs.3lacs POWER ADVANTAGE QAB – Rs.2lacs POWER GAIN QAB – Rs.1lacs POWER SUPER QAB – Rs.75,000 POWER LITE QAB – Rs.40,000 POWER BASE QAB – Rs.20,000

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SAHAJ AND SURABHI

SAHAJ Current AccountA special Current account for entrepreneurs having small means and who are otherwise not able to have an account with the Bank. They can open account with us with a Quarterly Average Balance of Rs.1,000/- only.

Surabhi deposit accountTo cover that section of non-individual customers who have surplus funds for investments, but at the same time need the Convenience of liquidity. Accounts under SURABHI Scheme are Savings Bank/Current Accounts with auto sweep and reverse sweep facility.

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B2B & POWER JYOTI B2B Payment Solution

A complete IT solution to Corporate needs. The dealers/retailers can pool periodical remittances in the pooling account of their service/commodity major with customized MIS availability.

Power Jyoti Current AccountA one stop solution for Fee Collection of educational institutions, recruitment agencies and other SME customers. The highlight of the product is that the funds could be transferred without the remitter having an account in our bank. We have also customized Power Jyoti for brokers.

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INNOVATIVE SERVICES OF SBI IN GUJARATINNOVATIVE SERVICES OF SBI IN GUJARAT

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SBI – WORK FLOW

•Gujarat is divided into 26 Regions , under Control of Regional Managers with responsibility of Overall Business Growth. •Every region has a Marketing Team of Region Relationship Manager for Medium Enterprise , Relationship Manager for Small Enterprise & Multi Product Sales Team . And every Region is Covered By Credit Processing Cells (CPCs ) & SME City Credit Centre (SMECCC ) for faster credit Delivery. •In every Region Relationship Manager for Medium Enterprise is present as SINGLE TOUCH POINT FOR SANCTION, DOCUMENTATION AND DISBURSEMENT of credit Facilities above Rs. 1 Cr.•If the Required Credit Facility is Below Rs. 1 Cr and Above Rs. 10 Lacs then it will be handled by Relationship Manager for Small Enterprise •PRPOSALS WILL BE TAKEN UP BY BRANCHES AND RESPECTIVE CREDIT PROCESSING CELLS if RMME / RMSE are not Provided for that Particular Area

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SANCTION PROCESSSANCTION PROCESS

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Thank you for participation…