Rate of Interest consists RBLR + BSS (Business Security Spread) + CRP (Credit Risk
Premium)
Presently, Credit Risk Premium for MSME Accounts are as under:
TABLE A : For limits below Rs. 10 lakh
SANCTIONED
LIMIT
Micro
Small
Medium
Upto 50,000/-
0.00
0.50
0.50
Above 50000 to < 2
Lakh
1.00
1.50
1.50
2 Lakh to < 5 Lakh
1.50
2.25
2.50
5 Lakh to < 10 Lakh
2.00
2.25
2.50
TABLE A – I : Limits from Rs. 10 Lakh to < Rs. 1 Crore
CR RATING
Micro
Small
Medium
SBS 1
0.85
0.85
0.85
SBS 2
1.10
1.10
1.10
SBS 3
1.35
1.35
1.35
SBS 4
2.00
2.00
2.00
SBS 5
2.50
2.50
2.50
SBS 6
3.00
3.00
3.00
SBS 7
4.40
4.90
4.15
SBS 8
5.50
5.50
5.50
SBS 9
5.50
5.50
5.50
SBS 10
5.50
5.50
5.50
TABLE A – II : Limits from Rs. 1 Crore to < Rs. 5 Crores
CR RATING
Micro
Small
Medium
SME 1
0.85
0.85
0.85
SME 2
1.10
1.10
1.10
SME 3
1.35
1.35
1.35
SME 4
2.00
2.00
2.00
SME 5
2.50
2.50
2.50
SME 6
3.00
3.00
3.00
SME 7
4.40
4.90
4.40
SBS 8 TO 10
5.50
5.50
5.50
TABLE A – III : Limits from Rs. 5 Crore to < Rs. 30 Crores
CR RATING
Micro
Small
Medium
MS 1
0.85
0.85
0.85
MS 2
1.10
1.10
1.10
MS 3
1.35
1.35
1.35
MS 4
2.00
2.00
2.00
MS 5
2.50
2.50
2.50
MS 6
3.00
3.00
3.00
MS 7
5.40
5.40
4.90
MS 8
5.50
5.50
5.00
MS 9 TO 10
5.50
5.50
5.50
TABLE A – IV : Limits from Rs. 30 Crores and above
CR RATING
Micro
Small
Medium
HLC-1
0.85
0.85
0.85
HLC-2
1.10
1.10
1.10
HLC-3
1.35
1.35
1.35
HLC-4
2.00
2.00
2.00
HLC-5
2.50
2.50
2.50
HLC-6
3.00
3.00
3.00
HLC-7
5.15
5.15
4.40
HLC-8
5.50
5.50
5.00
HLC-9 & 10
5.50
5.50
5.50
TABLE B : Schematic Loan Schemes under MSME :
TABLE B – I – STAR CHANNEL FINANCE
Supplier/Vendor Finance :
3M RBLR + Business Strategy Premium (BSP) + CRP (0.20%)
Dealer Finance
3M RBLR + Business Strategy Premium (BSP) + CRP (0.30%)
TABLE B – II – BOI STAR DOCTOR PLUS SCHEME (SME Segment)
All New loans sanctioned after 09.11.2016
Type
Credit Risk Premium
Term Loan/WC(Clean)
No Collateral or < 25%
1.00%
If MV of Collateral > 25%
0.75%
If MV of Collateral > 50%
0.50%
Vehicle Loan
1.00%
Existing Loans under BOI STAR DOCTOR PLUS
Type
Credit Risk Premium
Term loan upto 05 years
1.50
Term loan above 05 years
1.75
Vehicle Loan
1.50
WC (Clean)
1.75
TABLE B – III – STAR MSME GST PLUS
0.50% Concession in applicable Rate of interest based on Internal Credit Rating of the
borrower as per Table A above
TABLE B – V –STAR MSME e RICKSHAW SCHEME
For Purchase of First Vehicle
01 Yr RBLR + BSP + 0.50%
(CRP)
For Purchase of Subsequent
Vehicles
01 Yr RBLR + BSP + 1.00%
(CRP)
For Battery Replacement Cost
01 Yr RBLR + BSP + 1.50%
(CRP)
TABLE B – VI – Small Road & Water Transport Operators
Limits
Credit Risk Premium
Upto 50000
0.00
> 50000 upto 2 lakhs
1.00
> 2 lakhs upto 10 lakhs
2.50
> 10 lakhs upto 50 lakhs
3.50
> 50 lakhs upto 100 lakhs
4.00
TABLE B – VII –Special Scheme for Financing SRTOs/Equipment Hirers under MOU
with OEMs
Limits
Credit Risk Premium
Upto 2 lakhs
0.00
> 2 lakhs upto 10 lakhs
1.50
> 10 lakhs upto 50 lakhs
2.00
> 50 lakhs upto 100 lakhs
3.00
Fleet owners – Limits > 100 lakhs
2.50
TABLE B – VIII :
STAR SME CONTRACTOR LINE OF CREDIT/STAR SME EDUCATION PLUS/STAR SME
AUTO EXPRESS/STAR SME LIQUID PLUS
Rate of Interest is as per Internal Credit rating as discussed under Table A
TABLE C – I – DHANVANTARI SUVIDHA SCHEME
Limits
Credit Risk Premium
Upto 50000
0.00
> 50000 upto 2 lakhs
1.00
> 2 lakhs upto 10 lakhs
2.00
> 10 lakhs upto 50 lakhs
As per Credit rating and
segment (Micro, Small or
Medium)
TABLE C – (II) –Star Laghu Udyami Samiket Loan/Star MSE Demand/Term Loan
Limits
Credit Risk Premium
Upto 50000
0.00
> 50000 upto 5 lakhs
1.00
> 5 lakhs upto 10 lakhs
2.00
> 10 lakhs upto 1 Crore
2.75
