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Business, & agriculture finance

E Dealer Finance Scheme

A web-based cash-credit facility for authorised dealers of tied Industry Majors, with need-based finance, up to 90-day credit periods, nil margin and unified charges of ₹10,000–₹30,000.

Facility amountNeed based; the lower of past performance or projected sales and the limit recommended by the Industry MajorPricingEBR-linked at repo rate + 2.65% for MSME borrowers; MCLR-linked for non-MSME borrowersTarget customersAuthorised dealers, stockists, distributors and franchisees of Industry Majors with an SBI tie-up
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Quick eligibility check

E Dealer Finance Scheme

0 of 4 answered

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.

1Do you meet this requirement: Authorised dealers, stockists, distributors and franchisees of Industry Majors with an SBI tie-up?

Published source: Target customers

2Do you meet this requirement: All authorised dealers of Industry Majors with whom SBI has a tie-up arrangement are eligible?

3Do you meet this requirement: Transactions use SBI Internet Banking?

4Do you meet this requirement: both pull and push repayment methods are supported?

0 of 4 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India; Industry Major tie-up arrangements

Key facts

What the official sources publish

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

PurposeFinance for inventory purchased by authorised exclusive dealers, stockists, distributors and franchisees of Industry MajorsEffective 8 Feb 2024View source
To provide hassle free finance to authorised exclusive Dealers/stockiest/distributors/franchisees ... of Industry Majors for purchase of Inventory.
Source
E Dealer Finance Scheme — official product page
Page / section
Objective / Purpose
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Target customersAuthorised dealers, stockists, distributors and franchisees of Industry Majors with an SBI tie-upEffective 8 Feb 2024View source
Target Group: authorised Dealers/stockiest/distributors/franchisees. Eligibility: All Authorised dealers of Industry Majors with whom the Bank has tie-up arrangement.
Source
E Dealer Finance Scheme — official product page
Page / section
Features — Target Group; Eligibility Criteria
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
FacilityCash creditEffective 8 Feb 2024View source
Facilities Available: Cash Credit.
Source
E Dealer Finance Scheme — official product page
Page / section
Features — Facilities Available
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Facility amountNeed based; the lower of past performance or projected sales and the limit recommended by the Industry MajorEffective 8 Feb 2024View source
Quantum of loan: Need based — Past Performance or Projected Sales, whichever is higher or Limit Recommended by IM, whichever is Lower.
Source
E Dealer Finance Scheme — official product page
Page / section
Features — Quantum of loan
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageNot published as a dealer turnover or business-vintage threshold; SBI publishes the Industry Major tie-up and sales-based limit test insteadEffective 8 Feb 2024View source
The complete page publishes authorised-dealer eligibility and a need-based sales/Industry-Major limit test but no numeric dealer turnover or vintage threshold.
Source
E Dealer Finance Scheme — official product page
Page / section
Complete page review — Eligibility and Quantum
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
PricingEBR-linked at repo rate + 2.65% for MSME borrowers; MCLR-linked for non-MSME borrowersEffective 8 Feb 2024View source
Competitive Interest Rate Linked to (Repo rate+2.65%) (For Borrowers)/ (Non Borrowers).
Source
E Dealer Finance Scheme — official product page
Page / section
Features — Pricing
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Borrower marginNilEffective 8 Feb 2024View source
Borrower's Margin / Contribution: Nil.
Source
E Dealer Finance Scheme — official product page
Page / section
Features — Borrower's Margin / Contribution
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Credit periodUp to 90 days; yearly renewalEffective 8 Feb 2024View source
Credit period up to 90 days. Yearly renewal.
Source
E Dealer Finance Scheme — official product page
Page / section
Features — Repayment Period
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Unified charges₹10,000 to ₹30,000 minimum single unified charge, comprising processing, inspection, equitable mortgage and facility feesEffective 8 Feb 2024View source
Minimum single unified charges comprising of Processing Fee, Inspection Charges, Equitable Mortgages Charges, and facility fee ranging from Rs. 10,000 to Rs. 30,000/-.
Source
E Dealer Finance Scheme — official product page
Page / section
Features — Processing Fee / Upfront Fee
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
CollateralNot published on the reviewed page; the unified charge includes equitable-mortgage charges but no collateral-security rule is statedEffective 8 Feb 2024View source
The complete page names cash credit, amount basis, pricing, nil margin, tenor and unified charges but does not publish a collateral-security requirement.
Source
E Dealer Finance Scheme — official product page
Page / section
Complete page review — Security and Other Conditions
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Required documentsNot published on the reviewed official product pageEffective 8 Feb 2024View source
No enumerated applicant document checklist appears on the complete page.
Source
E Dealer Finance Scheme — official product page
Page / section
Complete page review
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndia; Industry Major tie-up arrangementsView source
The manually reviewed product record states: “India; Industry Major tie-up arrangements”.
Source
E Dealer Finance Scheme — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Cash-credit facility for inventory purchase
  • Web-based transactions without branch intervention
  • Up to 90-day credit period with yearly renewal
  • Nil borrower margin

Eligibility

  • All authorised dealers of Industry Majors with whom has a tie-up arrangement are eligible.
  • Transactions use Internet Banking; both pull and push repayment methods are supported.

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; the page describes the platform and eligibility but does not enumerate an applicant document checklist.

Related official documents

E Dealer Finance Scheme — official SBI product pageofficial-product-page · current · accessed 1 Sept 2026
↗

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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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Customer · Published termAuthorised Industry Major dealers/stockists/distributors/franchisees with tie-up

This value is copied from E Dealer Finance Scheme — published terms. Check the table notes before relying on it.

Source: E Dealer Finance Scheme — official product page · Purpose, Features, Eligibility and Other Conditions Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsE Dealer Finance Scheme — published termsTerms published on SBI's official page.View tableHide table

Scroll sideways to view every column

E Dealer Finance Scheme — published terms
ItemPublished term
CustomerAuthorised Industry Major dealers/stockists/distributors/franchisees with tie-up
FacilityCash credit
AmountNeed based; lower of the Industry Major limit and the higher of past/projected sales
Pricing (, page states repo + 2.65%) or (non-)
MarginNil
Credit periodUp to 90 days; annual renewal
Charges₹10,000–₹30,000 unified charge
PlatformWeb-based Internet Banking; pull and push repayment methods
  • Other charges are stated as nil. Last updated on the page: 8 February 2024.
E Dealer Finance Scheme — official product page · Purpose, Features, Eligibility and Other Conditions · accessed 1 Sept 2026Open official source ↗

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