DOMESTIC TERM DEPOSITS

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The revised interest rates for Domestic Term Deposits 'Below Rupees One Crore'
effective from the 01.10.2010 would be as under:
Tenors Existing w.e.f. Revised w.e.f.
17.08.2010 01.10.2010
15 days to 45 days 4.00 15 days to 45 days 4.00
46 days to 90 days 4.00 46 days to 90 days 4.00
91 days to 180 days 4.75 91 days to 180 days 5.50
181 days to less than 1 year 6.00 181 days to less than 1 year 6.00
1 year to 554 days 6.75 1 year to 554 days 7.00
555 days 7.25 555 days 7.50
556 days to less than 2 years 6.75 556 days to less than 2 years 7.25
2 years to 999 days 7.00 2 years to 999 days 7.50
1000 days 7.25 1000 days 7.75
1001days to less than 3 years 7.00 1001days to less than 3 years 7.25
3 year to less than 5 years 7.25 3 year to less than 5 years 7.25
5 years to less than 8 years 7.50 5 years to less than 8 years 7.50
8 years and up to 10 years 7.75 8 years and up to 10 years 7.75
·Term deposits for maturity period of “7 days to 14 days” will continue to be accepted
only for amounts of Rs. 1 Crore and above.
·There shall be no premium in rate of interest for single domestic term deposit of ‘Rs.15
lakhs but less than Rs.1 Crore’ of any maturity.
The proposed rates of interest shall be made applicable to fresh deposits and renewals of
maturing deposits. The interest rates on “Capgains Plus”, “SBI Tax Savings Scheme
2006(SBITSS)” schemes and NRO deposits shall be aligned as per the proposed rates for
domestic term deposits. These rates of interest shall also be made applicable to domestic term
deposits from Cooperative Banks.

The revised interest rates on Domestic Term Deposits of Rs One Crore & above with
effect from 27.03.2010 would be as under:
 Interest Rates for Deposits of Rs. One
Crore & Above
(% p.a.)
Tenors Rates Revised
w.e.f. 03.03.2010 w.e.f. 27.03.2010
7 days to 14 days 1.50 1.50
15 days to 30 days 2.00 2.00
31 days to 45days 2.25 2.25
46 days to 90 days 3.00 3.00
91 days to 180 days 3.50 3.50
181 days to 270 days 4.50 4.50
271 days to less than 1 year 5.00 5.25
1 year and above 6.00 6.00

No differential (higher) rates of interest shall be paid for these deposits.

No premium for SBI Staff, SBI Staff Pensioners & Senior Citizens or any other category
of depositors shall be paid for such deposits.
Premature Payment of Term Deposits:
Interest to be paid on premature withdrawal of term deposits at 1.00% below the rate applicable
for the period deposit has remained with the Bank,
or 1.00% below the contracted rate, whichever is lower.

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RESIDENT INDIAN SENIOR CITIZENS DEPOSIT RATES

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DEPOSITS OF Resident Indian SENIOR CITIZENS

The interest rates payable on deposits to resident Indian Senior Citizens (60 years and
 above) for Domestic Term Deposits "Below Rupees One Crore" effective from the
01.10.2010 stands revised as under:-
Tenors Existing w.e.f. Revised
17.08.2010
w.e.f.
01.10.2010
15 days to 45 days 4.00 15 days to 45 days 4.00
46 days to 90 days 4.00 46 days to 90 days 4.00
91 days to 180 days 4.75 91 days to 180 days 5.50
181 days to less than 1 year 6.00 181 days to less than 1 year 6.00
1 year to 554 days 7.25 1 year to 554 days 7.50
555 days 7.75 555 days 8.00
556 days to less than 2 years 7.25 556 days to less than 2 years 7.75
2 years to 999 days 7.50 2 years to 999 days 8.00
1000 days 7.75 1000 days 8.25
1001 days to less than 3 years 7.50 1001days to less than 3 years 7.75
3 year to less than 5 years 7.75 3 year to less than 5 years 7.75
5 years to less than 8 years 8.00 5 years to less than 8 years 8.00
8 years and up to 10 years 8.25 8 years and up to 10 years 8.25
There shall be no premium in rate of interest for single domestic term deposit of ‘Rs.15
lakhs but less than Rs.1 Crore’ of any maturity.
The interest rate payable to SBI Staff and SBI pensioners will be 1.00% above the
applicable rates. The rate applicable to SBI Pensioners of age 60 years and above will be
1.00% above the rate payable to resident Indian senior citizens i.e. SBI resident Indian
Senior Citizen Pensioners will get both the benefits of Staff (1%) and resident Indian
Senior Citizens (0.50%).
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1. SBI EASY HOME LOAN (JULY
2010)
(Base Rate =7.50% p.a.)
Interest rate for proposals sanctioned between 1st
July
2010 and 30th September 2010.
Loan amount Maximum Rs.50 Lacs
Facility Type OD (MaxGain) or TL
Interest during first year 8% p.a.(Fixed)
2nd & 3rd year 9% p.a.(Fixed)
Floating interest rate after 3rd 1.75% above Base Rate, Currently effective
year rate being 9.25% p.a.
Fixed interest rate after 3rd year 3.50% above the Base Rate prevailing at the time of
reset,
with a reset frequency of 5 years.

2. SBI ADVANTAGE HOME LOAN

(JULY 2010)
Interest rate for proposals sanctioned between 1st
July
2010 and 30th September 2010.
Loan amount Above Rs.50 Lacs
 Facility Type TL
Interest during first year 8% p.a.(Fixed)
2nd & 3rd year 9% p.a.(Fixed)
Floating interest rate after 3rd year 2.25% above the Base Rate, Currently
effective rate being 9.75% p.a.
Fixed interest rate after 3rd year 3.50% above the Base Rate prevailing at the
time of reset, with a reset frequency of 5 years.

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PROJECT FINANCE
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Project Finance Strategic Business Unit

A one-stop-shop of financial services for new projects as well as expansion,

diversification and modernisation of existing projects in infrastructure and non
-infrastructure sectors .

Expertise

• Being India's largest bank and with the rich experience gained over
generation, SBI brings considerable expertise in engineering financial
packages that address complex financial requirements.

• Project Finance SBU is well equipped to provide a bouquet of structured

financial solutions with the support of the largest Treasury in India (i.e.
SBI's), International Division of SBI and SBI Capital Markets Limited.

• The global presence as also the well spread domestic branch network of SBI
ensures that the delivery of your project specific financial needs are totally
taken care of.

• Lead role in many projects

• Allied roles such as security agent, monitoring/TRA agent etc.

• Synergy with SBI caps (exchange of leads, joint attempt in bidding for
projects, joint syndication etc.). In a way, the two institutions are
complimentary to each other. We have in house expertise (in appraising
 projects) in infrastructure sector as well as non-infrastructure sector. Some of
the areas are as follows: Infrastructure sector:

Infrastructure sector:

Road & urban infrastructure

Power and utilities

Oil & gas, other natural resources

Ports and airports

Telecommunications

Non-infrastructure sector:

Manufacturing: Cement, steel, mining,

engineering, auto components, textiles, Pulp
& papers, chemical & pharmaceuticals …

Services: Tourism & hospitality, educational

Institutions, health industry …

Expertise

• Rupee term loan

• Foreign currency term loan/convertible bonds/GDR/ADR

• Debt advisory service

• Loan syndication

• Loan underwriting

• Deferred payment guarantee

• Other customized products i.e. receivables securitisation, e.t.c.

Why Project Finance SBU?

Since its inception in 1995 the Project Finance SBU has built-up a strong reputation
for it's in-depth understanding of the infrastructure sector as well as non-
infrastructure sector in India and we have the ability to provide tailor made financial
solutions to meet the growing & diversified requirement for different levels of the
project. The recent transactions undertaken by PF-SBU include a wide range of
projects undertaken by the Indian Corporates.

What's in it for you?

Single window solution

Appetite for large value loans.

Proven ability to arrange/syndicate loans.

Competitive pricing.

Professional team

Dedicated group with sector expertise.

Panel of legal and technical experts.

Procedural ease

Standardized information requirements.

Credit appraisal/ delivery time period is

minimized.

Wide branch network ensuring ease of disbursement.

Eligibility

The infrastructure wing of PF SBU deals with projects wherein

The project cost is more than Rs 100 Crores. The proposed share of SBI in the term
loan is more than Rs.50 crores. In case of projects in Road sector alone, the cut off
will be project cost of Rs.50 crores and SBI Term Loan Rs. 25 Crores, respectively.

The commercial wing of PF SBU deals with projects wherein ;

The minimum project cost is Rs. 200 crores (Rs. 100 crores in respect of Services
sector).
The minimum proposed term commitment is of Rs. 50 crores from SBI.

For project funding requirements below the amounts indicated above, you may
kindly contact the nearest branch of the SBI Group.
Contact us

Our team is well known for innovation in tailoring solutions for our clients. If you are
seeking solutions in project finance,We will be glad to assist you. please contact us.
E mail id: milind.kalkar@sbi.co.in

Or Call at: +91 (022) 22841262

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