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Business, & agriculture finance

E-Smart Score

CLP-sourced facility for working capital and fixed assets above ₹10 lakh to ₹5 crore, with cash credit or term loan, 25%/33% margins and score-based eligibility.

Loan amountAbove ₹10 lakh to ₹5 crorePricingCompetitive pricing linked to EBR; the page states EBR is linked to repo rate and currently repo rate + 2.65%Target customersIndividually managed proprietary/partnership firms or closely held public/private limited companies in small and medium industrial and trading sectors under C&I and SIB segments
Official product page ↗Compare category

Quick eligibility check

E-Smart Score

0 of 6 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: Individually managed proprietary/partnership firms or closely held public/private limited companies in small and medium industrial and trading sectors under C&I and SIB segments?

Published source: Target customers

2Are you aged 18 to 65?

Published source: Eligibility

3Do you meet this product condition: minimum 60% overall internal score and at least 50% in each Personal Details, Business Details and Collateral Details sub-head?

Published source: Eligibility

4Do you meet this requirement: No separate checklist is published?

Published source: Required documents

5Do you meet this requirement: a term-loan project report is to be obtained and processed as per SBI norms?

Published source: Required documents

6Document checkDo you have this required document or proof: No separate document checklist is published on the reviewed page; a term-loan project report is required and processed under SBI norms?

Published source: Required documents
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India

Key facts

What the official sources publish

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

PurposeWorking-capital needs and acquisition of fixed assetsEffective 9 Feb 2024View source
Objective/ Purpose: Working Capital needs & Acquisition of fixed assets.
Source
E-Smart Score — official product page
Page / section
Objective / Purpose
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Target customersIndividually managed proprietary/partnership firms or closely held public/private limited companies in small and medium industrial and trading sectors under C&I and SIB segmentsEffective 9 Feb 2024View source
Target Group: individually managed proprietary/partnership firm or closely held public/private limited companies in the small and medium industrial and trading sector under C&I and SIB segments.
Source
E-Smart Score — official product page
Page / section
Features — Target Group
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
FacilitiesCash credit and term loanEffective 9 Feb 2024View source
Facilities Available: Cash Credit and Term Loan.
Source
E-Smart Score — official product page
Page / section
Features — Facilities Available
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Loan amountAbove ₹10 lakh to ₹5 croreEffective 9 Feb 2024View source
Quantum of loan: >₹10.00 lakh to ₹5 crore.
Source
E-Smart Score — official product page
Page / section
Features — Quantum of loan
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
PricingCompetitive pricing linked to EBR; the page states EBR is linked to repo rate and currently repo rate + 2.65%Effective 9 Feb 2024View source
Competitive Pricing Linked to (Linked to Repo Rate and Currently is Repo Rate + 2.65%).
Source
E-Smart Score — official product page
Page / section
Features — Pricing
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Borrower margin25% for working-capital component and 33% for term-loan componentEffective 9 Feb 2024View source
Borrower's Margin / Contribution: 25% for working capital component and 33% for TL component.
Source
E-Smart Score — official product page
Page / section
Features — Borrower's Margin / Contribution
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Repayment periodWorking capital repayable on demand; term loan not more than 7 years including moratorium not exceeding 6 monthsEffective 9 Feb 2024View source
Working Capital: Repayable on demand. Term Loan: Not more than 7 years including moratorium not exceeding 6 months.
Source
E-Smart Score — official product page
Page / section
Features — Repayment Period
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Processing / upfront feeAs applicable to MSME units under SBI's latest instructionEffective 9 Feb 2024View source
Processing Fee/Upfront Fee: As applicable to units as per Bank's latest Instruction.
Source
E-Smart Score — official product page
Page / section
Features — Processing Fee / Upfront Fee
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Other chargesAs per SBI guidelines and 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
E-Smart Score — official product page
Page / section
Features — Other Charges
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
CollateralAs per SBI's extant norms for working capital and term loanEffective 9 Feb 2024View source
Collateral Security: As per Bank's extant norms for WC and TL.
Source
E-Smart Score — official product page
Page / section
Features — Collateral Security
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
EligibilityChief promoter/chief executive age 18–65; minimum 60% overall internal score and at least 50% in each Personal Details, Business Details and Collateral Details sub-headEffective 9 Feb 2024View source
Chief promoter/chief executive should be 18 to 65; applicant must obtain at least 60% overall and 50% under each sub-head of internal scoring model.
Source
E-Smart Score — official product page
Page / section
Special Feature — Eligibility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Required documentsNo separate checklist is published; a term-loan project report is to be obtained and processed as per SBI normsEffective 9 Feb 2024View source
For Term Loan, Project Report for the tenure of the loans to be obtained and processed as per Bank norms; no separate checklist appears.
Source
E-Smart Score — official product page
Page / section
Special Feature — Project Report / Complete page review
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageNot published as a numeric turnover or business-vintage threshold on the complete SME E-Smart Score page; the page instead publishes the target sector, promoter age and internal-score thresholds.Effective 9 Feb 2024View source
The complete page publishes target group, amount, age and score rules but no numeric turnover or business-vintage threshold.
Source
E-Smart Score — official product page
Page / section
Complete page review — Features and Eligibility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
E-Smart Score — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Cash credit and term-loan facilities
  • Loans above ₹10 lakh to ₹5 crore sourced through CLP
  • Working-capital margin 25% and term-loan margin 33%
  • Term loan up to 7 years including up to 6-month moratorium

Eligibility

  • Chief promoter/chief executive must be 18–65 years old. Applicant must score at least 60% overall and at least 50% in each Personal Details, Business Details and Collateral Details sub-head of internal scoring model.

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

Documents the bank lists

  • No separate document checklist is published on the reviewed page; a term-loan project report is required and processed under norms.

Related official documents

SME E-Smart Score — official SBI 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.

Purpose · Published termWorking capital and fixed assets

This value is copied from E-Smart Score — published terms. Check the table notes before relying on it.

Source: E-Smart Score — 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 · 10 rows · 2 columnsSME E-Smart Score — published termsTerms published on SBI's official product page.View tableHide table

Scroll sideways to view every column

SME E-Smart Score — published terms
ItemPublished term
PurposeWorking capital and fixed assets
Target groupProprietorship/partnership or closely held companies in small/medium industrial and trading sectors
FacilityCash credit and term loan
AmountAbove ₹10 lakh–₹5 crore
Pricing-linked; page states repo + 2.65%
MarginWorking capital 25%; term loan 33%
RepaymentWC on demand; TL up to 7 years including up to 6-month moratorium
FeesLatest instruction; other charges per guidelines
Collateral extant norms
EligibilityPromoter age 18–65; score ≥60% overall and ≥50% each sub-head
  • Last updated on the page: 9 February 2024.
E-Smart Score — official product page · Objective, Features and Special Feature · accessed 1 Sept 2026Open official source ↗

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