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Business, & agriculture finance

Pre-Approved Small Business Loan (PAsBL)

A pre-approved dropline overdraft for informal micro enterprises, from above ₹50,000 to ₹10 lakh, with -linked pricing, 0.30% processing fee and no collateral.

PricingCompetitive pricing linked to EBR; SBI states EBR is linked to repo rate and currently repo rate + 2.65%Customer typeExisting SBI customers; Informal micro enterprises owned by individualsCollateral securityNil; SBI describes the product as collateral-free
Official product page ↗Compare category

Quick eligibility check

Pre-Approved Small Business Loan (PAsBL)

0 of 9 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.

1Are you this type of customer: Existing SBI customer, individual constitution and informal micro-enterprise classification?

Published source: Eligibility

2Does your age meet this requirement: promoter maximum age 60 years?

Published source: Eligibility

3Do you meet this requirement: Existing SBI customers?

Published source: Customer type

4Do you meet this requirement: Informal micro enterprises owned by individuals?

Published source: Customer type

5Are you this type of customer: Existing SBI customer records?

Published source: Documents

6Document checkDo you have this required document or proof: Existing SBI customer records?

Published source: Documents

7Document checkDo you have this required document or proof: Informal micro-enterprise and business details?

Published source: Documents

8Document checkDo you have this required document or proof: KYC and minimal digital documents requested by SBI?

Published source: Documents

9Document checkDo you have this required document or proof: Promoter age and identity evidence?

Published source: Documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India; existing customers

Key facts

What the official sources publish

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

Facility typeDropline overdraftView source
Facilities Available: Dropline .
Source
PAsBL — official product page
Page / section
Features — Facilities Available
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Loan amountMore than ₹50,000 to ₹10 lakhView source
Quantum of loan: >₹0.50 lakh to ₹10 Lakhs.
Source
PAsBL — official product page
Page / section
Features — Quantum of loan
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
PricingCompetitive pricing linked to EBR; SBI states EBR is linked to repo rate and currently repo rate + 2.65%View source
Pricing is linked to (linked to Repo Rate and currently is Repo Rate + 2.65%).
Source
PAsBL — official product page
Page / section
Features — Pricing
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Processing fee0.30% of sanctioned limit plus GSTView source
Processing Fee/Upfront Fee: 0.30% of the sanctioned limit + .
Source
PAsBL — official product page
Page / section
Features — Processing Fee / Upfront Fee
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Collateral securityNil; SBI describes the product as collateral-freeView source
Collateral Security: nil; the product's USPs include collateral free.
Source
PAsBL — official product page
Page / section
Features — Collateral Security
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
EligibilityExisting SBI customer, individual constitution and informal micro-enterprise classification; promoter maximum age 60 yearsEffective 5 Feb 2026View source
Target Group & Eligibility: existing-to-bank individual informal micro enterprises; promoter age maximum 60 years.
Source
PAsBL — official product page
Page / section
Features — Target Group and Eligibility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageNo turnover threshold is published; PAsBL eligibility is based on existing SBI customer status and informal micro-enterprise classification.View source
The page names existing-to-bank individual informal micro enterprises but no numeric turnover or vintage threshold.
Source
PAsBL — official product page
Page / section
Features — Target Group and Eligibility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
TenureNot published on the reviewed PAsBL page; the page states the facility, amount, pricing, fee, collateral and age condition but no repayment period.View source
The complete PAsBL page contains no repayment-period or tenure value.
Source
PAsBL — official product page
Page / section
Features and repayment terms
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndia; SBI existing customersView source
The manually reviewed product record states: “India; existing customers”.
Source
Pre-Approved Small Business Loan (PAsBL) — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Customer typeExisting SBI customers; Informal micro enterprises owned by individualsView source
The manually reviewed product record states: “Existing customers; Informal micro enterprises owned by individuals”.
Source
Pre-Approved Small Business Loan (PAsBL) — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
DocumentsExisting SBI customer records; Informal micro-enterprise and business details; KYC and minimal digital documents requested by SBI; Promoter age and identity evidenceView source
The manually reviewed product record states: “Existing customer records; Informal micro-enterprise and business details; and minimal digital documents requested by ; Promoter age and identity evidence”.
Source
Pre-Approved Small Business Loan (PAsBL) — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Above ₹50,000 to ₹10 lakh
  • Instant cash-flow and seasonal support
  • Pre-approved digital journey
  • Collateral-free

Eligibility

  • Existing customer with individual constitution and informal micro-enterprise classification; promoter age maximum 60 years.

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

Documents the bank lists

  • Existing customer records
  • Informal micro-enterprise and business details
  • and minimal digital documents requested by
  • Promoter age and identity evidence

Related official documents

Pre-Approved Small Business Loan (PAsBL) — official product pageofficial-product-page · current · accessed 1 Sept 2026
↗

Plan before applying

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.

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.

Customer · Published termExisting individual customer classified as an informal micro enterprise

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

Source: PAsBL — official product page · Features 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 columnsPAsBL — published termsPre-approved small-business-loan terms from SBI.View tableHide table

Scroll sideways to view every column

PAsBL — published terms
ItemPublished term
CustomerExisting individual customer classified as an informal micro enterprise
FacilityDropline overdraft
AmountAbove ₹50,000 to ₹10 lakh
Pricing-linked; currently repo rate + 2.65%
Processing0.30% of sanctioned limit +
CollateralNil
Promoter ageMaximum 60 years
Use casesDaily cash flow, seasonal gaps, expansion and stock-up
  • Other charges follow bank guidelines and are disclosed before sanction.
PAsBL — official product page · Features · accessed 1 Sept 2026Open official source ↗

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