Business, & agriculture finance

ABL (Saral)

asset-backed working-capital and business-purpose finance above ₹10 lakh up to ₹5 crore, with a 25% borrower margin, up to 180-month dropline overdraft and property security at 65% .

PricingFor MSMEs, EBR linked to repo rate; SBI page states current EBR as repo rate + 2.65%. For non-MSMEs, 6-month MCLR linked. Final rate is based on borrower/external or scheme-specific rating and bank guidelines.Target customersBusiness units in manufacturing and services, self-employed and professional individuals, and wholesale/retail trade Collateral securityImmovable property compliant under the SARFAESI Act, belonging to the unit, proprietor, partners, directors or their near relatives

Official product page ↗Compare category

✓ Manually checked 1 Sept 2026 · active

Offered byState Bank of India

India; lending centres

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

PurposeBuild-up of current and fixed assets, capacity expansion, modernization and short-term working capital, including shoring up net working capitalEffective 9 Feb 2024View source

For build-up of current assets and fixed assets needed for business purpose, capacity expansion, modernization, short-term working capital (including shoring up of Net Working Capital, etc).

Source: ABL (Saral) — official product page
Page / section: Objective / Purpose
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

FacilitiesDrop-line overdraft, cash credit and non-fund-based facilityEffective 9 Feb 2024View source

Facilities Available: Drop-line Overdraft facility, Cash Credit, NFB Facility.

Source: ABL (Saral) — official product page
Page / section: Features — Facilities Available
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Target customersBusiness units in manufacturing and services, self-employed and professional individuals, and wholesale/retail tradeEffective 9 Feb 2024View source

Target Group: All Business Units who want to avail loan facility for manufacturing and services activities along with self-employed and professional individuals, wholesale/retail trade.

Source: ABL (Saral) — official product page
Page / section: Features — Target Group
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Loan amountAbove ₹10 lakh to ₹5 croreEffective 9 Feb 2024View source

Quantum of loan: Minimum: Above Rs.10.00 lakh. Maximum: Rs.5.00 Cr.

Source: ABL (Saral) — official product page
Page / section: Features — Quantum of loan
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Attractive Interest rates based on rating... (Linked to Repo Rate and Currently is Repo Rate + 2.65%) linked (for ) & 6 months linked (for Non-).

Source: ABL (Saral) — official product page
Page / section: Features — Pricing
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Borrower margin25%Effective 9 Feb 2024View source

Borrower's Margin / Contribution: 25%.

Source: ABL (Saral) — official product page
Page / section: Features — Borrower's Margin / Contribution
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Repayment periodDropline overdraft limits sanctioned for 12–180 months, with a maximum six-month moratorium; cash credit is on demand with no moratoriumEffective 9 Feb 2024View source

Drop-line Overdraft Limit: Limits can be sanctioned for a period of 12 months to 180 months. The moratorium ... should not be more than 6 months... Cash Credit: On Demand.

Source: ABL (Saral) — official product page
Page / section: Features — Repayment Period
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Processing / upfront feeUp to 0.65% of the loan amountEffective 9 Feb 2024View source

Processing Fee/ Upfront Fee: Up to 0.65% of the loan amount.

Source: ABL (Saral) — official product page
Page / section: Features — Processing Fee / Upfront Fee
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Other chargesAs per SBI bank guidelines; charges are appraised to the borrower before sanctionEffective 9 Feb 2024View source

Other Charges: As per Bank Guidelines which will be appraised to the borrower before sanction of loans.

Source: ABL (Saral) — official product page
Page / section: Features — Other Charges
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Collateral securityImmovable property compliant under the SARFAESI Act, belonging to the unit, proprietor, partners, directors or their near relativesEffective 9 Feb 2024View source

Immovable (compliant under SARFAESI Act) belonging to the unit, its proprietor/partners/directors or their near relatives.

Source: ABL (Saral) — official product page
Page / section: Features — Special Feature
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Loan-to-value65% of the realizable value of immovable propertyEffective 9 Feb 2024View source

: 65% of the realizable value of immovable property.

Source: ABL (Saral) — official product page
Page / section: Features — Special Feature
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Required documentsNot published on the reviewed official product pageEffective 9 Feb 2024View source

The complete page publishes purpose, target group, facilities, quantum, pricing, margin, repayment, fees, and property security but contains no enumerated document checklist.

Source: ABL (Saral) — official product page
Page / section: Complete page review
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Turnover / vintageNot published on the reviewed ABL (Saral) page; the page states target businesses and facility terms but no numeric turnover or business-vintage threshold.Effective 9 Feb 2024View source

The complete page publishes purpose, target group, facilities, quantum, pricing, margin, repayment, fees, and property security but contains no turnover or business-vintage threshold.

Source: ABL (Saral) — official product page
Page / section: Complete page review — Objective, Features and Special Feature
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Geographic limitsIndia; SBI SME lending centresView source

The manually reviewed product record states: “India; lending centres”.

Source: ABL (Saral) — official product page
Page / section: Published product metadata
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Dropline overdraft, cash-credit and non-fund-based facilities
Above ₹10 lakh to ₹5 crore
12–180-month dropline overdraft period
65% on compliant immovable property

Eligibility

All business units engaged in manufacturing or services, self-employed and professional individuals, and wholesale/retail trade are included in the target group.
Security must be compliant with the SARFAESI Act and may belong to the unit, proprietor, partners, directors or near relatives.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Not published on the reviewed official product page; says other charges and appraisal details are communicated before sanction.

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹13,431thirteen thousand four hundred thirty-one rupees

Interest paid over the full loan₹7,23,444seven lakh twenty-three thousand four hundred forty-four rupees

Everything you repay₹32,23,444thirty-two lakh twenty-three thousand four hundred forty-four rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Item

Purpose · Published termCurrent/fixed assets, expansion, modernization and working capital

This value is copied from ABL (Saral) — published terms. Check the table notes before relying on it.

Source: ABL (Saral) — official product page · Objective, Features and Special Feature Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 9 rows · 2 columnsABL (Saral) — published termsAll material product terms published on SBI's page.View tableHide table

Scroll sideways to view every column

ABL (Saral) — published terms
Item	Published term
Purpose	Current/fixed assets, expansion, modernization and working capital
Facilities	Dropline , cash credit and non-fund-based
Amount	Above ₹10 lakh to ₹5 crore
Pricing	-linked (page states repo + 2.65%); non- 6-month -linked
Margin	25%
Repayment	Dropline 12–180 months; maximum six-month moratorium; cash credit on demand
Processing fee	Up to 0.65%
Security	SARFAESI-compliant immovable property
	65% of realizable property value

Other charges follow guidelines and are appraised before sanction.
Last updated on the page: 9 February 2024.

ABL (Saral) — official product page · Objective, Features and Special Feature · accessed 1 Sept 2026Open official source ↗

ABL (Saral)

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Asset Backed Agriculture Loan (ABAL)

Agri Clinic and Agri Business Centres Loan

Agri & Food Enterprises Loan (AFEL)

Agriculture Gold Loan