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10/11/2016 Education Loan Scheme - SBI Corporate Website

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SelectServices 1yearMCLR8.90%w.e.f.01.11.2016
Personal Agricultural NRI International Corporate OnlineSBI:Internet
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Banking
LOCATORS /Rural Services
EDUCATIONLOANS Banking Banking BankingPayYourUtility
1)SBISTUDENTLOANSCHEME Bill24X7!

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LoanAmount RateofInterest*
InterestRates
ForloansuptoRs.7.5lacs 2%aboveMCLR,currently11.10%p.a.
DepositRates InterestRates
SavingsBankDeposits AboveRs.7.50lacs 1.85%aboveMCLR,currently10.75%p.a.
NRI
*(0.50%concessionininterestforgirlstudents)
LoanSchemesInterest
Rates *(1%concessionforfulltenureoftheloan,ifinterestisservicedpromptlyasandwhenapplied
HomeLoansInterest duringthemoratoriumperiod,includingcourseduration#)
Rates(Current)
AutoLoans ITexemptionunderSection80(E)inrespectofinterestpaidinallEducationLoans
EducationLoanScheme
PersonalLoansSchemes 2)SBISCHOLARLOANSCHEME
LoansagainstSecurities
List ROI
GoldLoans
LoansagainstProperty ListAA 0.45%aboveMCLRi.e.,9.35%p.a.atpresent(UptoRs.30Lacswithoutcollateral)

MarginalCostoffund ListA ForIIMs:0.45%aboveMCLRi.e.,9.35%p.a.atpreset


basedlendingrate(MCLR)
witheffectfrom0111 OtherInstitutions:0.65%aboveMCLRi.e.,9.55%p.a.atpresent(UptoRs.20Lacs
2016 withoutcollateral,uptoRs.30withcollateral)
InterestRateFor
BorrowersOtherThanP
Segment(Commercial ListB 0.95%aboveMCLRi.e.,9.85%p.a.atpresent(UptoRs.20Lacswithoutcollateral)
Loans)
Furtherconcessions:
InterestRatesOnPre
ShipmentCreditAnd 0.25%ifcollateralsecurity>=theloanamount
ExportBillDiscountingin 0.25%workexperienceofmorethan2years
ForeignCurrencyLoans
InterestRatesOnFCNB (effectiverateofinterestwithbothconcessionsnottobelowerthan0.40%aboveMCLR
LoansToExporters
Corporates presently,9.50%p.a.)

ProcessingFees
ListC 2.00% above MCLR i.e. 10.90% p.a.(UptoRs. 7.5 Lacs without collateral, upto Rs. 30
PenalInterest&Other withcollateral)
Charges
BenchmarkPrime 1%concessionforfulltenureoftheloan,ifinterestisservicedpromptlyasandwhen
LendingRate(Historical appliedduringthemoratoriumperiod,includingcourseduration#
Data)
BaseRate(Historical
Data) ITexemptionunderSection80(E)inrespectofinterestpaidinallEducationLoans

OldInterestRates(Last10
Years) 3)SBIGLOBALEDVANTAGESCHEME
SMESegment
1.85%aboveMCLR,currently10.75%p.a.
AgriculturalSegment
0.50%concessionforstudentsavailingofSBIRinnRaksha
0.50%concessionforgirlstudents

ITexemptionunderSection80(E)inrespectofinterestpaidinallEducationLoans

https://www.sbi.co.in/portal/web/interest-rates/education-loan-scheme 1/2
10/11/2016 Education Loan Scheme - SBI Corporate Website
4)SBISKILLLOANSCHEME
1.50%aboveMCLR,currently10.40%p.a.

1%concessionforfulltenureoftheloan,ifinterestisservicedpromptlyasandwhenappliedduring
themoratoriumperiod,includingcourseduration#

Note:1%interestconcessionforservicinginterestisavailableifinterestisservicedpromptlysoonafter
applicationbutnotlaterthanthefollowingmonth.

ITexemptionunderSection80(E)inrespectofinterestpaidinallEducationLoans

ALLINTERESTRATESARESUBJECTTOCHANGE,WITHOUTNOTICE.

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Personal Agricultural NRI International Corporate


SME Services
Banking /Rural Services Banking Banking

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