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Business, & agriculture finance

Asset Backed Loan

asset-backed finance above ₹5 crore up to ₹20 crore, with case-by-case lending up to ₹50 crore, 25% margin, up to 240-month dropline overdraft and 60% property security.

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 rating and guideline dependent.Target customers and eligibilityManufacturing/services and wholesale/retail businesses, self-employed and professionals under MSMED Act; existing borrowers, new units with marketable assets and qualifying takeoversCollateral securitySARFAESI-compliant immovable property belonging to the unit, proprietor, partners, directors or near relatives
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Quick eligibility check

Asset Backed Loan

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Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: Manufacturing/services and wholesale/retail businesses, self-employed and professionals under MSMED Act?

Published source: Target customers and eligibility

2Do you meet this requirement: existing borrowers, new units with marketable assets and qualifying takeovers?

Published source: Target customers and eligibility

3Do you meet this requirement: Existing customers already availing credit facilities, new units with marketable assets, and takeovers from other banks/FIs with a satisfactory track record are listed?

4Do you meet this requirement: non-MSMEs may also be financed?

5Document checkDo you have this required document or proof: Udyam Registration Certificate is mandatory for MSME units?

Published source: Required documents
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✓ 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 26 Feb 2026View 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
Asset Backed Loan — official product page
Page / section
Purpose
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
FacilitiesDrop-line overdraft or cash creditEffective 26 Feb 2026View source
Facilities Available: Drop-line Overdraft facility OR Cash Credit.
Source
Asset Backed Loan — official product page
Page / section
Features — Facilities Available
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Target customers and eligibilityManufacturing/services and wholesale/retail businesses, self-employed and professionals under MSMED Act; existing borrowers, new units with marketable assets and qualifying takeoversEffective 26 Feb 2026View source
Target Group includes all business units... self-employed and professional individuals covered by MSMED Act 2006... Eligibility lists existing customers, new units with marketable assets and takeovers with satisfactory track record.
Source
Asset Backed Loan — official product page
Page / section
Features — Target Group; Eligibility Criteria
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Loan amountMore than ₹5 crore to ₹20 crore; up to ₹50 crore may be permitted case by caseEffective 26 Feb 2026View source
Minimum Loan Amount as > Rs.5 Cr; Maximum loan amount: Rs. 20 Cr. [Loan amount up to Rs.50 Cr may be permitted on a case-to-case basis].
Source
Asset Backed Loan — official product page
Page / section
Features — Quantum of Loan
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
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 rating and guideline dependent.Effective 26 Feb 2026View source
(Linked to Repo Rate and Currently is Repo Rate + 2.65%) linked (for ) & 6 months linked (for Non-).
Source
Asset Backed Loan — official product page
Page / section
Features — Pricing
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Borrower margin25%Effective 26 Feb 2026View source
Borrower's Margin / Contribution: 25%.
Source
Asset Backed Loan — official product page
Page / section
Features — Borrower's Margin / Contribution
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Repayment periodDropline overdraft 12–240 months, with maximum 18-month moratorium; cash credit is on demandEffective 26 Feb 2026View source
12 months to 240 months... Max Moratorium period-18 months... Cash Credit: On Demand.
Source
Asset Backed Loan — official product page
Page / section
Features — Repayment Period
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Processing / upfront feeDropline OD: 1% of limits at sanction, capped at ₹10 lakh; 1% on any restituted amount at annual review. Cash credit: once yearly, up to 0.65% of loan amount.Effective 26 Feb 2026View source
For Dropline : Upfront/processing fee of 1% ... maximum of Rs.10 lakhs... For Cash Credit: Once in a year. (Up to 0.65% of the loan amount).
Source
Asset Backed Loan — 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 26 Feb 2026View source
Other Charges: As per Bank Guidelines which will be appraised to the borrower before sanction of loans.
Source
Asset Backed Loan — official product page
Page / section
Features — Other Charges
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Collateral securitySARFAESI-compliant immovable property belonging to the unit, proprietor, partners, directors or near relativesEffective 26 Feb 2026View source
Immovable property (compliant under SARFAESI Act) belonging to the unit, its proprietor/partners/directors or their near relatives.
Source
Asset Backed Loan — official product page
Page / section
Collateral Security
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Loan-to-value60% of the realizable value of immovable propertyEffective 26 Feb 2026View source
: 60% of the realizable value of the immovable property.
Source
Asset Backed Loan — 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 26 Feb 2026View source
The complete page publishes purpose, target group, facilities, quantum, pricing, margin, repayment, fees, security and eligibility but contains no enumerated document checklist.
Source
Asset Backed Loan — official product page
Page / section
Complete page review
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageNot published on the reviewed Asset Backed Loan page; the page states MSME/non-MSME target groups and eligibility routes but no numeric turnover or business-vintage threshold.Effective 26 Feb 2026View source
The complete page publishes purpose, target group, facilities, quantum, pricing, margin, repayment, fees, security and eligibility but contains no turnover or business-vintage threshold.
Source
Asset Backed Loan — official product page
Page / section
Complete page review — Purpose, Features and Eligibility Criteria
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
Asset Backed Loan — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Dropline overdraft or cash credit
  • Above ₹5 crore to ₹20 crore; up to ₹50 crore case by case
  • 12–240-month dropline overdraft period
  • 60% on compliant immovable property

Eligibility

  • Existing customers already availing credit facilities, new units with marketable assets, and takeovers from other banks/FIs with a satisfactory track record are listed.
  • Udyam Registration Certificate is mandatory for units; non- may also be financed.

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.

Related official documents

Asset Backed Loan — official SBI product pageofficial-product-page · current · accessed 1 Sept 2026
↗

Plan before applying

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Loan repayment estimate

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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.

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Facilities · Published termDropline or cash credit

This value is copied from Asset Backed Loan — published terms. Check the table notes before relying on it.

Source: Asset Backed Loan — official product page · Features, Eligibility Criteria and Collateral Security 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 columnsAsset Backed Loan — published termsAll material product terms published on SBI's page.View tableHide table

Scroll sideways to view every column

Asset Backed Loan — published terms
ItemPublished term
FacilitiesDropline or cash credit
AmountAbove ₹5 crore to ₹20 crore; up to ₹50 crore case by case
Pricing -linked (page states repo + 2.65%); non- 6-month -linked
Margin25%
RepaymentDropline 12–240 months; maximum 18-month moratorium; cash credit on demand
Processing feeDropline 1%, capped ₹10 lakh; cash credit up to 0.65% annually
SecuritySARFAESI-compliant immovable property
60% of realizable property value
EligibilityExisting borrowers, new units with marketable assets and qualifying takeovers
  • Udyam Registration Certificate is mandatory for units; other charges follow guidelines.
  • Last updated on the page: 26 February 2026.
Asset Backed Loan — official product page · Features, Eligibility Criteria and Collateral Security · accessed 1 Sept 2026Open official source ↗

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