State Bank of Saurashtr .SME. DEPT, HEAD OFFICE Welcomes The Participants

1. m State Bank of Saurashtr .SME. DEPT, HEAD OFFICE Welcomes The Participants GBS

2. Small & Medium Enterprises INVESTMENT IN PLANT & MACHINERY MAXIMUM RS. 25.00 LACS TINY UNITS Small & Medium Enterprises INVESTMENT IN PLANT & MACHINERY MAXIMUN Rs.100.00 LACS. FOR SOME INDUSTRIES LIKE DRUGS & PHARMACEUTI- CALS, HOSIERY, HAND TOOLS ETC. THE INVESTMENT LIMIT Rs.500.00LACS SSI UNITS

3. MEDIUM ENTERPRISES • THE UNITS WITH INVESTMENT IN PLANT & MACHINERY IN EXCESS OF SSI CEILINGS AND UP TO Rs. 10.00 CRORE ARE MEDIUM ENTERPRISES ( PRESENTLY BEING CLASSIFIED UNDER C&I SEGMENT). • ADVANCES TO MEDIUM ENTERPRISES ARE NOT TO BE CONSIDERED AS PRIORITY SECTOR ADVANCES.

4. SMALL & MEDIUM ENTERPRISES INCENTIVES DECLARED BY GOVT. OF GUJARAT • SCHEME KNOWN AS “INTEREST SUBSIDY SCHEME TO SMALL AND MEDIUM ENTERPRISES” RECENTLY LAUNCHED & WILL REMAIN OPERATIONAL FOR 5 YEARS. • ELIGIBLE UNITS : NEW UNITS AS WELL AS EXISTING UNITS TAKING UP EXPANSION OR DIVERSIFICATION. TERMS & CONDITIONS: ONE OF THE CONDITION IS THAT THE UNIT WILL HAVE TO REMAIN IN PRODUCTION AT LEAST FOR 5 YEARS FROM COMMENCEMENT OF COMMERCIAL PRODUCTION , OTHERWISE LIABLE TO PAY BACK..

5. OUR SOME SPECIAL SCHEMES ON SMALL &MEDIUM ENTERPRISES

6. SBS SIB CREDIT CARD SCHEME • SBS SME SMART SCORE SCHEME • LAGHU UDHYAMI CREDIT CARD SCHEME • SWAROJGAR CREDIT CARD SCHEME & ARTISANS CREDIT CARD SCHEME

7. STATE BANK OF SAURASHTRA • SBS SIB • CREDIT • CARD • SCHEME

8. SBS SIB CREDIT CARD SCHEME SALIENT FEATURES SCHEME FOR OUR EXISTING CUSTOMERS & CUSTOMERS OF OTHER BANKS HAVING EXCELLENT PERFORMANCE AND CREDENTIALS. SCHEME IS BASED ON SCORING SYSTEM. PROCESSING OF PROPOSAL MADE SIMPLE.

9. SBS SIB CREDIT CARD SCHEME CREDIT CARD WITH CUSTOMER’S PHOTO IS ISSUED . CARD VALID FOR A PERIOD OF THREE YEARS SUBJECT TO SATISFACTORY CONDUCT OF ACCOUNT

10. WHAT ARE THE BENEFITS TO CUSTOMERS • Hassle free credit up to Rs. 10.00 lacs. • Stock statement for W.C. half yearly (instead of monthly) as at end of Aug. & Feb every year. • Margin Only @ 20%. Interest is charged at normal rate as applicable under SSI and SBF segments. • Loan for Purchase of Shop up to Rs.10.00 lacs granted under Small Business Enterprises.

11. SBS SIB CREDIT CARD--- LIMIT ASSESSMENT S.S.I. UNITS & Tiny Sector Units –As per Nayak Committee Recommendations 100% OF GROSS ANNUAL DECLARED INCOME TO BE TAKEN AS LIMIT FOR PROFESSIONAL & SELF EMPLOYED 20% OF ANNUAL TURNOVER DECLARED FOR TAX PURPOSE OR LAST 12 MONTHS’ TURNOVER WHICHEVER IS HIGHER --- FOR SBF UNITS

12. SBS SIB CREDIT CARD SCHEME • For SBF 20% of the annual Turnover declared for tax purpose or last 12 month’s turnover whichever is higher. If no sales tax return is available, then last two years’ annual turnover is taken for assessment. • For Professional & Self-Employed persons, 100% of their gross annual income as per IT return is considered as the limit for issuing credit card.

13. SBS SIB CREDIT CARD SCHEME SECURITY * * PRIMARY • ASSETS AGAINST WHICH FINANCE HAS BEEN MADE COLLATERAL Under SSI, No Collateral Up To Rs.5.00 Lacs. For Loans up to Rs.25000/- under SBF -- no collaterals. Guarantee coverageunder Credit Guarantee Scheme Necessary in case of collateral free loans to eligible accounts.

14. STATE BANK OF SAURASHTRA SBS SME SMART SCORE SCHEME

15. SALIENT FEATURES • This scheme is specially designed for units having credit requirement of over Rs. 5.00 lacs and below Rs.25.00 lacs under C&I , SSI, & SBF Segments. • This Scheme is based on Scoring System . Proposal processing is made very simple.

16. SBS SME SMART SCORE SCHEME FOR SSI, SBF AND C&I UNITS • Target Group: We aim to Extend diverse Credit Needs of Small & Medium Enterprises (SMEs) • The unit may be Individually managed proprietorship / partnerships, closely held Private / Public limited Companies.

17. SBS SME SMART SCORE SCHEME WORKING CAPITAL 20% of Projected Sales 67% of Project Cost . Higher requirement can be considered on the basis of subjective assessment. TERM LOAN

18. SBS SME SMART SCORE SCHEME NO CREDIT RATING ASSESSMENT Interest will be charged as per our normal Rates of Interest under SSI, SBF & C&I segments.

19. SBS SME CREDIT CARD SCEHEME • SCORING SYSTEM : • SCORES ON PERSONAL, BUSINESS AND COLLATERAL CONDITIONS. MAXIMUM MARKS :100 PERSONAL DETAILS MARKS : 30 BUSINESS DETAILS MARKS : 50 COLLATERAL DETAILS MARKS : 20 • MINIMUM MARKS SHOULD BE OBTAINED 60 OUT OF100 • MINIMUM MARKS IN PERSONAL SEGMENT & BUSINESS SEGMENT 15 & 25 (50%). MINIMUM MARKS IN COLLATERAL 10 (EXCEPT COLLATERAL FREE LOANS WHERE MARKS WILL BE 0)

20. SBS SME SMART SCORE SCHEME • Renewal :Working Capital Limit can be renewed every year and Term Loan can be reviewed every year if the Credit Score is 60 & above and conduct of the account is satisfactory. • Repayment :5 years for Term Loan (excluding moratorium period not exceeding 6 months).

21. STATE BANK OF SAURASHTRA • LAGHU UDHYAMI CREDIT CARD SCHEME

22. SALIENT FEATURES L U C C SCHEME IS APPLICABLE TO OUR EXISTING CUSTOMERS ONLY SCHEME IS MADE SIMPLE MINIMUM PAPER WORK

23. LAGHU UDHYAMI CREDIT CARD SCHEME WE ISSUE A PHOTO CARD WITH LIMIT & VALIDITY PERIOD OF CREDIT FACILITY TO THE ELIGIBLE LOAN CUSTOMERS. THE CREDIT CARD IS VALID FOR THREE YEARS, RENEWAL ON A YEARLY BASIS THROUGH A SIMPLE REVIEW PROCEDURE ONLY. INTEREST RATE @ BPLR i.e. 11.50 % p.a. at present Maximum Limit Rs.10.00 lacs

24. F E A T U R E S • LAGHU UDHYAMI CREDIT CARD • WE HAVE REMOVED THE REQUIREMENT OF THE STOCK STATEMENTS. THE LUCC A/C. HOLDERS ARE NOT REQUIRED TO SUBMIT THE STOCK STATEMENT. • THE FACILITY WILL BE ALLOWED AS AN OVERDRAFT IN CURRENTACCOUNT. • CHEQUE BOOK WILL BE ISSUED MARKED AS ‘LUCC ACCOUNT’. STATEMENT OF A/C / PASSBOOK WILL BE GIVEN AS IN NORMAL A/C.

25. LAGHU UDHYAMI CREDIT CARD • Who Are Eligible? • ALL OUR EXISTING CUSTOMERS OF FOLLWING CATEGORIES WHOSE DEALINGS WITH THE BANK FOR THE LAST THREE YEARS ARE SATISFACTORY& WHO ENJOY LIMIT UP TO Rs.10.00 LACS. • CATEGORIES : SMALL BUSINESS UNITS, RETAIL TRADERS, ARTISANS, VILLAGE INDUSTRIES, S.S.I & TINY UNITS, PROFESSIONALS & SELF EMPLOYED PERSONS .

26. LAGHU UDHYAMI CREDIT CARD • PRIMARY: ASSETS AGAINST WHICH FINANCE IS MADE . • COLLATERAL: EXISTING COLLATERAL SECURITY. HOWEVER, FOR BORROWERS HAVING EXCELLENT TRACK RECORD, COLLATERALS CAN BE WAIVED. IN THAT CASE, GUARANTEECOVERAGE WOULD BE NECESSARY.

27. LUCC LIMIT ASSESSMENT 20 % OF ANNUAL TURNOVER / LAST 12 MONTHS’ TURNOVER WHICHEVER IS HIGHER. FOR PROF. & SELF – EMP..—50% OF GROSS ANNUAL INCOME AS PER IT RETURN. FOR S.S.I. UNITS--- AS PER NAYAK COMMITTEE RECOMMENDATIONS

28. STATE BANK OF SAURASHTRA • OUR EXISTING REGULAR SCHEMES OF FINANCE TO UNITS UNDER S.S.I. AND S.B.F. OUR EXISTING SCHEMES FOR SSI & SBF

29. OUR BANK PROVIDES TERM LOAN FOR ACQUISITION OF FIXED ASSETS WHICH INCLUDE FACTORY LAND, BUILDING, PLANT & MACHINERY . WE GRANT WORKING CAPITAL FOR HOLDING OF CURRENT ASSETS WHICH INCLUDE STOCKS , RECEIVABLES. IN SPECIAL CASES FOREIGN CURRENCY LOANS ARE ALSO CONSIDERED. • THE DIVERSE NEEDS OF OUR CUSTOMERS ARE MET WITH BY OUR VARIOUS BRANCHES HAVING EXPERTISE AND SKILLED OPERATING STAFF. WE HAVE SPECIALISED S.S.I. BRANCHES IN FIVE CITIES. BRANCHES ARE VESTED WITH VAST POWERS TO CATER TO THE NEEDS OF OUR CUSTOMERS.

30. CUSTOMER • MET BY OUR VARIOUS BRANCHES. EXPERTISED AND SKILLED OPERATING STAFF. • SPECIALISED S.M.E. BRANCHES TO CATER TO THE SPECIFIC NEEDS OF S.S.I. & MEDIUM ENTERPRISES. • VAST POWERS TO CATER TO THE NEEDS OF OUR CUSTOMERS. DIVERSE NEEDS

31. WE ASSESS THE NEED BASED CREDIT REQUIREMENTS OF THE UNITS ON TURNOVER METHOD OR AS PER PROJECTED BALANCE SHEET METHOD. • FOR S.S.I. UNITS, THERE IS NO CEILING ON LIMIT. • FOR S.B.F. UNITS THERE ARE CERTAIN CAP ON LIMITS FIXED AS PER RBI GUIDELINES. • WE PRESCRIBE MARGIN AT 20 % TO 50 % FOR DIFFERENT TYPES OF SECURITIES.

32. OUR SCHEMES FOR S.S.I. & SBF • AT PRESENT OUR BANK’S B.P.L.R. IS 11.5 % p.a. ALL OUR INTEREST RATES IN S.S.I. & S.B.F. SEGMENTS ARE IN THE PRICE BAND OF 2% p.a. BELOW & ABOBE THE B.P.L.R. WE CONSIDER LOANS AT EVEN BELOW THIS RATE TO CERTAIN CATEGORY OF BORROWERS.

33. OUR SCHEMES FOR S.S.I. • FOR S.S.I. UNITS, RATE OF INTEREST FOR LOANS ABOVE Rs. 25.00 LACS IS BASED ON CREDIT RATING. • THE CREDIT RATING IS BASED UPON CERTAIN PARAMETERS WHICH ARE RELATED TO BALANCE SHEET ITEMS SUCH AS CURRENT RATIO, DEBT: EQUITY RATIO, PROFITABILITY OF THE UNIT,

34. OUR SCHEMES FOR S.S.I. • INVENTORY HOLDING, ETC. CERTAIN MARKS HAVE BEEN PRESCRIBED FOR EACH PARAMETER. THE TOTAL MARK OF THE UNIT WILL DENOTE THE UNIT’S RATING AS PER BANK’S CREDIT RAING POLICY. ON THE BASIS OF THE CREDIT RATING THE RATE OF INTEREST WILL BE STIPULATED.

35. OUR SCHEMES FOR S.S.I. • A STANDBY LINE OF CREDIT AT 15% OF THE REGULAR LIMIT AVAILABLE TO S.S.I. UNITS WHICH IS SANCTIONED ALONG WITH REGULAR SANCTION TO MEET WITH EMERGENT REQUIREMENTS.

36. STATE BANK OF SAURASHTRA OUR SCHEMES FOR SMALL BUSINESS FINANCE • SMALL BUSINESS : SMALL BUSINESS WOULD INCLUDE INDIVIDUALS & FIRMS MANAGING A BUSINESS ENTERPRISE ESTABLISHED MAINLY FORTHE PURPOSE OF PROVIDINGANY SERVICE OTHER THAN PROFESSIONAL SERVICE WHOSE ORIGINAL COST PRICE OF THE EQUIPMENT USED FOR THE PURPOSE OF BUSINESS DOES NOT EXCEED Rs.20 LACS.

37. PROFESSIONAL & SELF EMPLOYED PERSONS • PURPOSE OF LOANS : FOR PURCHASE OF EQUIPMENT , REPAIRING OR RENOVATION OF EXISTING EQUIPMENT AND / OR ACQUIRING AND REPAIRING BUSINESS PREMISES OR FOR PURCHASING TOOLS AND/ OR FOR WORKING CAPITAL REQUIREMENT TO • MEDICAL PRACTIONERS INCLUDING DENTISTS, CHARTERED ACCOUNTANTS , COST ACCOUNTANTS, PRACTISING COMPANY SECRETARY, LAWYERS OR SOLICITORS, ENGINEERS, ARCHITECTS, SURVEYORS, CONSTRUCTION CONTRACTORS OR MANAGEMENT CONSULTANTS

38. PROFESSIONAL & SELF EMPLOYED PERSONS • OR TO A PERSON TRAINED IN ANY OTHER ART OR CRAFT WHO HOLDS EITHER A DEGREE OR DIPLOMA FROM ANY INSTITUTION ESTABLISHED, AIDED, OR RECOGNISED BY GOVERNMENT OR TO A PERSON WHO IS CONSIDERED BY THE BANK AS TECHNICALLY QUALIFIED OR SKILLED IN THE FIELD IN WHICH HE IS EMPLOYED.

39. PROFESSIONALS & SELF EMPLOYED PERSONS ACCREDITED JOURNALISTS AND CAMERAMEN WHO ARE FREELANCERS FOR PURCHASE OF EQUIPMENT FOR THEIR PROFESSION. THERE ARE OTHER PROFESSIONALS ALSO COVERED UNDER THIS SCHEME. LOANS FOR PURCHASE OF COMPUTERS ALSO COVERED UNDER THIS SCHEME. LOAN FOR MOTOR VEHICLE ALSO CONSIDERED UNDER THE SCHEME. • LIMIT : (I) NOT EXCEEDING Rs. 10.00 LACS OF WHICH Rs. 2.00 LACS FOR W.C. • (II) FOR MEDICAL PRACTITIONERS SETTING UP PRACTICE IN SEMI- URBAN AND RURAL AREAS THE LIMIT WILL BE Rs.15.00 LACS OF WHICH Rs. 3.00LACS FOR WORKING CAPITAL.

40. S.B.S. SMALL BUSINESS FINANCE • RETAIL TRADE : RETAIL TRADERS DEALING IN ESSENTIAL COMMODITIES & CONSUMER CO-OPERATIVE STORES & PRIVATE RETAIL TRADERS WITH CREDIT LIMIT NOT EXCEEDING Rs.10.00 LACS • SMALL ROAD & WATER TRANSPORT OPERATORS : ADVANCES TO SMALL ROAD & AND WATER TRANSPORT OPERATORS OWNING OF A FLEET OF VEHICLES NOT EXCEEDING TEN VEHICLES, INCLUDING THE ONE TO BE FINANCED.

41. S.B.S. SMALL BUSINESS FINANCE • WE PRESCRIBE A NOMINAL MARGIN OF 20% FOR LOANS ABOVE Rs. 25,000/- to Rs.50,000/- AND 25 % FOR LOANS ABOVE Rs. 50000/-. * IN COLLATERAL , FOR LIMIT ABOVE Rs.25000/- , MORTGAGE OF IMMOVABLE AT THE BANK’S DISCRETION OR THIRD PARTY GUARANTEE.

42. State Bank of Saurashtra FINANCE TO SMALL SCALE INDUSTRIES • Loans up to Rs.5.00 lacs to SSI units without collateral security and loans from Rs.5.00 lacs to Rs. 25.00 lacs to SSI units can be considered collateral free to units having good track record and financials.

43. For guarantee coverage of such collateral free loans up to Rs. 25.00 lacs, our bank has become member of Credit Guarantee Fund Trust For Small Industries (CGTSI) set up by Govt. Of India and SIDBI . The coverage would be available for collateral free loans including third party guarantee.

44. S.B.S. FINANCE TO S.S.I. • CGTSI: • GUARANTEE SCHEME FOR INDUSTRIAL UNITS INCLUDING THOSE ENGAGED IN IT/ SOFTWARE INDUSTRY. SSSBE (IR) ALSO ELIGIBLE FOR COVERAGE. • THE GUARANTEE COVERAGE WOULD BE AVAILABLE @ 75 % OF THE AMOUNT IN DEFAULT MAXIMUM Rs. 18.75 LACS.

45. CGTSI: • AN UP FRONT GUARANTEE FEE @ 1.5% / 2.5% WOULD BE PAYABLE TO THE TRUST AS ONE TIME FEE ON SANCTIONED AMOUNT. • AN ANNUAL SERVICE FEE @ 0.75% OF THE AMOUNT OF LOAN SANCTIONED AS AT 31st MARCH EVERY YEAR WOULD BE PAYABLE TO THE TRUST. • NEW OR EXISTING UNITS ELIGIBLE FOR COVERAGE. COVERAGE WOULD BE AVAILABLE TO NEW LOANS OR RENEWED WORKING CAPITAL LIMITS. • OPERATIONALISED IN SBS w.e.f. 01.11.04

46. S.B.S. (SCHEMES OF SIDBI FOR S.S.I.) • CREDIT LINKED CAPITAL SUBSIDY SCHEMEFOR TECHNOLOGYUPDRADATION OF THE SMALL SCALE INDUSTRIES. SUBSIDY LINKED WITH INVESTMENT IN PLANT & MACHINERY AND LOAN AMOUNT WITH CERTAIN TERMS & CONDITIONS.

47. S.B.S. (SCHEMES OF SIDBI FOR S.S.I.) • CREDIT LINKED CAPITAL SUBSIDY SCHEME • THE UNITS / PRODUCTS COVERED UNDER THIS SCHEME ARE : BIO-TECH, COMMON ELLUENT TREATMENT PLANT, CORRUGATED BOXES , DRUGS & PHARMACEUTICALS, DYES & INTERMDIATES, PLASTIC MOULDED, GOLD PLATING & JEWELLERY, AUTO PARTS & COMPONENTS, FOUNDRIES, FOOD PROCESSING & OTHER SPECIFIED PRODUCTS.

48. SCHEME OF KHADI & VILLAGE INDUSTRIES COMMISSION / BOARD • WE ARE EXTENDING CREDIT FACILITIES UNDER THE SCHEME OF KVIC MARGIN MONEY ON MERIT OF THE CASE. • KVIC PROVIDES SUBSIDY IN THE FORM OF MARGIN MONEY MAXIMUM Rs.4.00 LACS FOR A MAXIMUM LOAN AMOUNT Rs.25.00 LACS. ( @10% FOR FIRST Rs. 10.00 LACS AND THEREAFTER @ 10% ON REMAINING AMOUNT). • THE SCHEME IS APPLICABLE ONLY TO NEW INDUSTRIAL UNITS BEING SET UP IN SPECIFIED AREAS.

49. OUR OTHER SCHEMES FOR SMALL & MEDIUM ENTERPRISES & SMALL BUSINESS FINANCES

50. A HEART THROBBING SCHEME FOR DOCTORS – DOCTOR PLUS BASED UPON SCORING SYSTEM EASY PROCESSING VERY LOW & ATTRACTIVE INTEREST RATES FINANCE UNDER SBF SEGMENT TAKE OVERFROM OTHER BANKS