Retail banking refers to the division of a bank that deals directly with retail

customers. Also known as consumer banking or personal banking, retail banking is

the visible face of banking to the general public, with bank branches located in
abundance in most major cities.

Banks that focus purely on retail clientele are relatively few, and most retail
banking is conducted by separate divisions of banks, large and small. Customer
deposits garnered by retail banking represent an extremely important source of
funding for most banks.

Corporate Banking, by comparison

Corporate banking, also known as business banking, refers to the aspect of banking
that deals with corporate customers. The term was originally used in the United
States to distinguish it from investment banking, after the Glass-Steagall Act of
1933 separated the two activities.

While that law was repealed in the 1990s, corporate banking and investment
banking services have been offered for many years under the same umbrella by
most banks in the United States and elsewhere. Corporate banking is a key profit
center for most banks; however, as the biggest originator of customer loans, it is
also the source of regular write-downs for loans that have soured.
Corporate Banking Products and Services
The corporate banking segment of banks typically serves a diverse range of clients,
ranging from small- to mid-sized local businesses with a few millions in revenues
to large conglomerates with billions in sales and offices across the
country. Commercial banks offer the following products and services to
corporations and other financial institutions:

 Loans and other credit products – this is typically the biggest area of
business within corporate banking, and as noted earlier, one of the biggest
sources of profit and risk for a bank.
 Treasury and cash management services – used by companies for managing
their working capital and currency conversion requirements.
 Equipment lending – commercial banks structure customized loans
and leasesfor a range of equipment used by companies in diverse sectors
such as manufacturing, transportation and information technology.
 Commercial real estate – services offered by banks in this area include real
asset analysis, portfolio evaluation, and debt and equity structuring.
 Trade finance – involves letters of credit, bill collection and factoring.
 Employer services – services such as payroll and group retirement plans are
typically offered by specialized affiliates of a bank.

Through their investment banking arms, commercial banks also offer related
services to their corporate clients, such as asset management and
securities underwriters.

Importance to the Economy

Retail and commercial banks are of critical importance to the domestic and global
economies. Retail banking brings in the customer deposits that largely enable
banks to make loans to their retail and business customers. Commercial banks, for
their part, make the loans that enable businesses to grow and hire people,
contributing to expansion of the economy.

For proof of the importance of banks to the economy, one needs to look no further
than the global credit crisis of 2007-08. The crisis had its roots in the U.S. housing
bubble and the excessive exposure of banks and financial institutions around the
world to derivatives and securities based on U.S. home prices.

As iconic American investment banks and institutions either

declared bankruptcy(Lehman Brothers) or were on the verge of it (Bear Stearns,
AIG, Fannie Mae, Freddie Mac), banks grew increasingly reluctant to lend money,
either to their counterparts or to companies. This resulted in a near-total freeze in
the global banking and lending mechanism, causing the most
severe recession worldwide since the Great Depression in the 1930s.

This near-death experience for the global economy led to renewed regulatory focus
on the largest banks that are deemed “too big to fail” because of their importance
to the worldwide financial system.

Biggest Retail and Commercial Banks

The amount of domestic deposits held by a bank is a widely used measure to gauge
the size of its retail banking operation. Based on that, as well as consolidated
assets, the biggest commercial and retail banks in the United States are:

 JPMorgan Chase
 Wells Fargo
 Bank of America
 Citigroup
  U.S. Bancorp

In Canada, the five biggest commercial and retail banks are:

 Royal Bank of Canada

 Toronto-Dominion Bank
 Scotiabank
 Bank of Montreal
 Canadian Imperial Bank of Commerce

The Bottom Line

Retail and commercial banks are essential for the smooth functioning of an
economy. Most large banks have specialized divisions that deal in retail banking
and corporate banking; both businesses are among the largest profit centers for
most banks.
 ICICI BANK

Cash Management Services

ICICI Bank's Cash Management Services offer full range of advanced products and
services to efficiently process your receivable and payable.We cater to all your
cash management requirements under one roof to optimise your cash flow position
and to ensure effective management of your business operation.
Collection Solutions

ICICI Bank offers a wide range of collection products to meet the specific
requirements of the clients like local cheque collections, upcountry cheque
collections, cash collections and electronic collections. With a wide network,
customised MIS and multiple channels for delivery of MIS, ICICI Bank renders
quick and effective management of receivables.
Payments

The payment solutions offered by ICICI Bank include bulk disbursement solutions
for making payments to channel partners through multiple modes, Payable at Par
solutions for payment of dividend, interest or for redemption and internet-based
cheque writing facility for printing of cheques at your own premises.
Key Benefits

 Leverage on vast network of locations within India

 Wide range of CMS products
 Efficient logistics support
 Advanced technology support and a highly competent team
 Ensuring timely deposit of collections
 Timely execution of disbursement request
 Collections
ICICI Bank offers a wide range of collection products to meet the specific
requirements of the clients. The products offered are as follows:

 Local cheque collection through

o ICICI Bank branches
o Correspondent bank branches
 Upcountry cheque collection through
o ICICI Bank branches
o Outside Network Banks
 Electronic collections
 Auto Debit
 Cash collections through our Doorstep banking services

Features

 Wide network coverage of over 840 own locations

 Capability to process cheques drawn at any location
 Assured payment on fixed day basis, irrespective of the fate of the instrument sent
in for clearing
 Instrument outstanding report and credits in the pipeline report available to
strengthen internal control
 Multiple channels available for receipt of data including e-mails, faxes, courier and
the Internet
 Prompt realisation of cheques through an extensive network, supported by
correspondent banking relationships
 Availability of information on the amounts deposited at multiple locations with
information available at the instrument level
 Provision of uploading the system generated deposit slip details, in a single file
 Customised MIS and availability of scan images of instruments at select locations

Cheque Collections
ICICI Bank offers a wide network of 840 own locations for collection of cheques. The
various services offered under cheque collections are as follows:

Local Cheque Collections (LCC)

Local Cheque Collections involve collection of local instruments from various
locations on behalf of customers. Cheques payable in local clearing are processed
and credit is given based on local clearing at the drawee location. The two variants
offered here are:

 For cheques drawn and presented at ICICI Bank locations

 For cheques drawn and presented at a location where ICICI Bank has a
correspondent bank tie-up.

Upcountry Cheque Collections (UCC)

Upcountry cheques are collected through our branches and through a huge network
of correspondent banks. You can manage your cash flow by using our services to
expedite your collections. We also provide you with collection reports to help you
monitor the status of cheque clearing and to facilitate easy reconciliation of account
receivables. Three variants offered under this service are:

 Cheques presented at and drawn at ICICI Bank locations

 Cheques presented at and drawn at locations where ICICI Bank has a
correspondent bank tie-up
 Cheques presented at and drawn at a location where ICICI Bank has no presence
and no correspondent bank tie-up.

Drop Box Services

Drop box services have been developed and implemented to extend convenience to
customers. It is a service where you can instruct your dealers or other channel
partners to drop cheques at any ICICI Bank ATM drop box for making payments.
 The cheques dropped would be cleared at a pre-defined frequency. Detailed and
customised MIS can be provided for the facility. By extending a wide network of
ATM drop boxes for cheque collection, ICICI Bank offers unmatched coverage.

Cash Collections
ICICI Bank has gained vast experience in handling doorstep banking services. The
various services offered under doorstep banking include

 Cash pick-up
 Cash delivery

Of these services, cash collection service has gained immense popularity across
various industry segments. ICICI Bank has implemented various customised cash
pick-up solutions to meet specific requirements of our customers. These solutions
provide various benefits such as

 Minimisation of operational risk

 Reduction in cost
 Security
 Increased efficiency

ICICI Bank has pioneered Doorstep banking in India, with the largest network
offering cash pick-up /delivery services.

I-Sure Pay - Collection at Branch counters

Features

 Acceptance at branch counter from client’s customers or agents

 Online validation of customers details with clients database/system before
acceptance
 Provision to update clients database/system instantly after the transaction
 Any customer (ICICI Bank / Non ICICI Bank) can walk-into branch to make payment
 Wide network coverage
 Funds are immediately available to client. (‘On realization’ in case of instrument)
 System-generated MIS
 Auto Debit
'Auto debit' is designed to leverage our extensive network coverage and a large
customer base. This facility eliminates the need for physical submission of cheques
by handling collections through one-time submission of the debit mandate forms to
be executed at regular and pre-defined cycles.
Features

 Debit triggered automatically based on debit mandate registration

 Online facility to upload debit instruction
 Option for a single instruction file for multiple debits
 Comprehensive reports, including mandate registration and debit instruction

e-Collections
e-Collections facilitates identification of the details of collections received through
RTGS and NEFT. Through this product, you can avail customized MIS for credits
received from your dealers and other business partners through RTGS and NEFT.
Features

 Real time credit for Collections received through RTGS and NEFT
 Details of the remitter available
 Frequency of MIS customizable as per requirement
 MIS available on email or host to host platform, in text, excel or xml formats
 Payments
ICICI Bank offers payment solutions that cater to all the requirements of a
corporation. The payment product suite includes bulk disbursement solution
through Integrated Payment System, Internet-based cheque writing which
facilitates printing of instruments at your own office and Payable at Par solution
for payment of dividend, interest and for redemption.
Key Features

Payment solutions of ICICI Bank offered through Integrated Payment System

(IPS) not only offers multiple modes of payment but also facilitates functional,
operational and financial benefits like:

 Single file upload to effect multiple modes of payments

o Physical modes include cheques, demand drafts
o Electronic modes include direct credit to ICICI Bank account holders, RTGS,
NEFT and Bulk IMPS.
 Web-based access for uploading and authorising printing requests
 ERP extractor for extracting data directly from the ERP system
 Host-To-Host connectivity for Straight Through Processing of transactions
 Data encryption for enhanced security
 Partial batch authorisation and processing
 Dynamic signature printing
 Printing of instruments and dispatch to Client office.
 Tracking of dispatches
 Advices over e-mail to beneficiaries
 Customised annexure printing for cheques
 At par cheques payable at over 700 locations
 Customised MIS
Paper Based

Paper-based payment modes offered under the CMS payment solutions include
cheque printing, Demand draft printing and Internet-based cheque writing.

Cheque Printing

One of the preferable modes of making payment used by corporates is through the
issuance of customer cheques. ICICI Bank offers customised cheque-writing
solutions to various companies. This facility includes printing, signing and despatch
of cheques. One important feature of customer cheques is that they can be
customised to suit your exact requirement.

Cheque printing is offered to corporates for making payments. Along with printing
the instrument, the customer has an option to print the cover note advice and imprint
the facsimile signature of the signatories of the company. The advice shows
beneficiary details and some additional fields of information as required by you.
Further, ICICI Bank also offers remote cheque printing solutions wherein cheques
are printed at various locations across India and are dispatched to Client office.
Through this facility the turn around time for delivery as well as the costs involved
are reduced.

Demand Draft/ Pay Order Printing

Demand draft printing renders corporations to make bulk disbursements through

demand drafts. This facility includes printing and despatch of demand drafts / pay
orders. In order to meet the requirements of corporations that want ICICI Bank to
issue demand drafts at locations where ICICI Bank does not have a branch, ICICI
Bank has tied up with various banks, also known as correspondent banks, thus
rendering corporations to make payments not only at ICICI Bank locations but also
at our correspondent bank locations.

Internet-Based Cheque Writing

 Internet-based cheque writing solution of ICICI Bank provides printing facility at your
premises or at your branches, based on information uploaded through Corporate
Internet Banking.
Internet-based cheque printing offers the following advantages:

 Cheques can be printed decentrally at your premises. This would reduce the turn
around time involved in the delivery of cheques
 Timely disbursement of funds with practically no paper work at the back office
 Both three per page and cover note stationery can be used for printing (advices and
annexures cannot be printed)
 Minimum processing cost on account of Straight Through Processing of cheques
without any intervention of ICICI Bank
 Convenience of e-authorisation for all uploaded transactions
 Larger geographical reach for making payments

Electronic Payments

Electronic modes of payment solutions offered by ICICI Bank include Funds

Transfer, Real Time Gross Settlement (RTGS), National Electronic Funds Transfer
(NEFT) and Bulk Immediate Payment Service (IMPS). Further, ICICI Bank also
offers the facility to send e-mail advices to the beneficiaries for all electronic fund
transfers.

Funds Transfer

This facility can be used for payment by customers to beneficiaries who are ICICI
Bank account holders. This method of funds transfer is the fastest and the most
secure form of remittance.
 Real Time Gross Settlement (RTGS)

RTGS offers functionality of online, real time, funds transfer facility across banks.
This facility can be used for transfers involving an amount greater than or equal to
Rs. 2,00,000. RTGS advantages include

 Seamless movement of funds

 Real time transfers and faster credit
 Elimination of delays due to outstation funds transfer
 E-mail alerts to beneficiaries

National Electronic Funds Transfer (NEFT)

NEFT facilitates transfer of funds electronically from one account to another,

between NEFT participant bank branches in India. This product offers
functionality of online funds transfer facility across banks. It is primarily for low
value transactions and offers an efficient, secure, economic, reliable and
expeditious solution for funds transfer.

Bulk Immediate Payment Service (IMPS)

 Interbank electronic instant money transfer service. Transfers money instantly

within banks across India through CIB with onscreen and File upload.
 The beneficiary account is credited immediately when a Fund Transfer request is
made through Internet Banking.
 IFSC based transactions. Making payment simpler just with the beneficiary
account number and IFSC.
 Maximum Limit offered : Per transaction is ₹ 2,00,000 /- (Non-Customizable) and
daily limit per customer is ₹ 5,00,00,000 /- .
 Single file upload for all types of transactions including NEFT, RTGS and Bulk
IMPS.
 Customized upload and download file design.
 Consolidated as well as incremental MIS for all the products.
 Alerts to customer as well as beneficiary.
 Duplication check at client level.

Dividend Payments

This facility renders payments to shareholders/investors for dividend, interest,

redemption proceeds, IPO refunds and any other payouts. ICICI Bank is one of the
leading players in this business segment, serving many of the elite corporations in
India.

You can choose among a wide array of payment modes that include physical as
well as electronic modes. The physical modes of payment comprise of warrants
and demand drafts, including foreign demand drafts. The electronic modes of
payment comprise of Funds transfers to ICICI Bank account holders, Real Time
Gross Settlement (RTGS), Electronic Clearing Service (ECS), National Electronic
Funds Transfer (NEFT) and Foreign Telegraphic Transfer (FTT).

Some of the features offered by the product are as follows:

 Online Validation
 Extensive network
 MIS and reconciliation
 Systems and checks to detect fraudulent encashment and duplicate payments
 Dedicated customer service desk

Tax payments

In today's intensely busy business world, every minute is precious. In this scenario,
tax paperwork can be a tedious process. ICICI Bank with its technology-driven
banking, gives you a better option - Online Tax. The key features of the Online
Tax payment process are:

 Cuts down on your paper work and simplifies the process

 You get an MIS link that shows you a record of all past payments made, along with
the payment status, as well as challan details
 You receive an immediate online acknowledgment of your challan
 You can easily view, download and print the acknowledged copy of the challan
using the MIS option.

Taxes you can pay through Online Tax

 Corporation Tax
 Service Tax
 Tax Deducted at Source
 Income Tax
 Wealth Tax
 Central Excise

Trade Services
ICICI Bank offers a wide range of trade services designed to meet a range of short
term to medium term trade financing requirements, so that your company can seize
new business opportunities whenever they arise. Customers can benefit from our
streamlined processes based on a sound technological backbone that are designed
to provide best in class service levels, and reduce the hassles associated with trade
transactions. Whether you are an importer or exporter, our correspondent network of
over 381 foreign banks across 57 countries, and foreign currency Nostro accounts in
more than 30 currencies, will ensure that we meet almost all your international trade
requirements.

With our expertise and experience, we can also structure and customise solutions to
meet customers’ specific requirements.

Imports
Letter of Credit
A Letter of Credit (LC) is a written undertaking issued by a bank on behalf of its
customer in favour of the beneficiary to pay a certain sum of money against
presentation of stipulated set of documents that comply with the terms of the LC.
Under an LC, the creditworthiness of the bank replaces that of the customer. ICICI
Bank issues, amends and pays sight and usance letters of credit. Customers can
benefit from our expertise in structuring the instrument in the best manner.
 The ICICI Bank Edge
1. Competitively priced
2. Quick turnaround time

Import Bill Collections

Documentary Collections are a common and flexible mode of payment for goods
purchased from domestic or overseas suppliers. It involves handling of documents
by bank in accordance with the collection instruction received from remitting bank.
Customers can rely on our expertise in efficient and prompt handling of Import
collection documents. This includes direct import bill collection where the import bills
/ documents have been received directly by you from the overseas supplier and you
need to effect a payment against the same.
i-DOCS
The initiative provides a payment solution that focusses on open account cross
border trade which increases transparency, efficiency and reduction in turnaround
time. ICICI Bank clients can now download the import bill of entries pending for
payment and initiate payment by simply sharing certain transactional information as
against earlier process of sharing multiple documents. The product is available on
ICICI Bank’s Trade internet banking channel Trade Online ‘TOL’ within Corporate
Internet banking ‘CIB’.
i-BOE
This is a self-service window available to the customer to enable them to match
ORM to BoE online. The outstanding bill of entries are shown to the client on the
Bank’s Trade internet banking portal where they can match off their outstanding
outward remittances with the respective bill of entry. This helps in enabling faster
turnaround of bill of entry regularization & regulatory compliance.
Advance Import Payment
Advance import payment is a pre-payment method in which, an importer makes the
payment for the items to be imported in advance prior to the shipment of goods. The
importer benefits from timely and accurate processing and remittances towards
advance payment for imports.
Merchanting Trade
Merchanting trade is where the supplier of goods will be resident in one foreign
country, the buyer will be resident in another foreign country and the merchant or
intermediary will be resident in India. In simple terms, merchanting transaction is one
which involves shipment of goods from one foreign country to another foreign
 country involving an Indian Intermediary. The Indian trader stands to benefit from
our regulatory expertise & efficient transaction processing.

Exports
Export Finance
The export finance scheme is intended to make short-term working capital finance
available to exporters at internationally comparable interest rates.Exporters have the
option of availing both pre-shipment and post-shipment finance in either in rupee or
in foreign currency from ICICI Bank.As per regulations, no worthwhile export order
should be denied packing credit from the banking sector. Packing credit is released
in lump sum or in stages, as per the requirement for executing the orders/LC.

Post-shipment credit runs from the date of extending credit, after shipment of goods
to the date of realisation of export proceeds. Post shipment credit may be provided
as requested by the exporter for part or full value of the bills submitted
The ICICI Bank Edge

1. Competitively priced
2. Quick turnaround time

Pre-shipment Finance
ICICI Bank provides pre-shipment finance both in rupee as well as foreign currency
at competitive rates. Pre-shipment/export packing credit is available to the exporters,
for financing purchase, processing, manufacturing or packing of goods prior to
shipment or working capital expenses for rendering of services on the basis of:

 Letter of Credit opened in favor of the exporter or in favor of some other person, by
an overseas buyer;
 A confirmed and irrevocable order for the export of goods from India;
 Any other evidence of an order or export from India having been placed on the
exporter or some other person, unless lodgment of export order or Letter of Credit
with the bank has been waived.

Export LC Advising
Any Letter of credit is forwarded to the beneficiary by the advising bank. The
advising bank acts as a conduit between the issuing bank and the beneficiary. The
advising bank ensures that the LC is apparently authentic, the international banks
use test key arrangements with correspondent banks to ensure that messages used
are secure.

The exporter benefits from timely receipt, expert advice and a wide international
network of ICICI Bank.
Export LC Confirmation
Confirmation of LC constitutes an undertaking on part of the confirming bank to pay
to the negotiating bank or the beneficiary without recourse if the documents are
presented in accordance with the terms and conditions of the LC. This undertaking
is in addition to the undertaking provided by the issuing bank.

The exporter can eliminate the credit risk, foreign bank risk and country risks from
his export transaction once ICICI Bank add its confirmation to the Letter of Credit.
The exporter is assured of payment, subject to non-discrepant documents,
irrespective of non-payment by LC opening bank.
Export Bill Negotiation
ICICI Bank negotiates the export bills drawn under Letter of Credit, if the documents
are found to be credit compliant in terms with the Letter of Credit conditions. ICICI
Bank negotiates the bills at very competitive rates both in rupee as well as foreign
currency with world-class service standards. Negotiation under LC is much simpler
than availing regular working capital limits from a bank.
Purchase/Discounting of Export Bills
Against sanctioned credit limits, ICICI Bank can pay you the exporter the discounted
value of the invoice, immediately up on shipment. ICICI Bank offers this service at
competitive rates both in rupee as well as foreign currency and with world-class
service standards.
Export Bill under Collection
Export bill collection means sending of export bills to overseas bank/buyer through
his bank to collect payment under export bills. The exporter can eliminate multiple
exporting hassles by availing documentary collection activities with ICICI Bank. The
exporter stands to benefit from increased control over export receivables and have
an efficient cash flow management.
e-Softex
e-SOFTEX as an application was conceived primarily to address the software
exporters’ requirements of managing its banking processes in relation to export
invoices, viz. softex management. This system leverages digitization to enable the
exporters to manage its entire export invoice lifecycle. This is a first-of-its-kind
product offering in the country for the IT segment.
 The product has been created with critical inputs from IT companies across the
spectrum. The application offers a unique remittance linking and e-FIRC facility
where the exporter can upload and track all its remittances to get a comprehensive
view of his realizations. Extensive reports and MIS can be accessed and
downloaded for the ease of tracking. This service additionally provides quick
regularization of softexs’ giving a seamless experience to the software exporters.
e-LC
This service allows the beneficiary to get a Single point access to the repository of
all advised LCs in Trade Online. It further eliminates the need to get the physical LC
confirmed from issuing bank for authenticity. The exporter gets near real time
intimation to beneficiary once LC is transmitted & advised. Additionally
SWIFT/SFMS message of LC can be viewed or downloaded as per requirement

Guarantees
In an increasingly challenging business environment, a bank guarantee is an
effective way of securing performance and payment. A company is often required to
submit a Bank Guarantee while entering into a large-scale business transaction or
carrying out a high-value project or receiving advance payment for working on a
project. We provide world-class bank guarantee services for both domestic as well
as international markets and in this way also assure your clients of your strong
commitment. Some of the variants of guarantees offered include:

 Performance Guarantees
 Financial Guarantees
 Bid Bond Guarantees
 Advance Payment Guarantees
 Deferred Payment Guarantees
 Standby Letter of Credit

e-Bank Guarantee (e-BG)

e-BG product enables the beneficiary to have a unique repository of all the advised
BGs in their favor.

Key features include

 Auto email trigger
 e-guarantee list on Trade Online platform

 Password protected attachment

Benefits
 Vault of all advised BGs

 Beneficiary can view and download the cover message

 Real time intimation of issuance/amendment of cover message

Client needs to submit a one-page request letter for availing the given product
offering.
Buyers credit backed by SBLC issued by ICICI Bank
Pursuant to the discontinuation of issuance of LoU/LuT by RBI for availing Buyers
credit, lender banks are permitted to take exposure in the form of direct buyers credit
(BC) by way of an unsecured facility. However, this is not a cost effective solution for
borrowers. Also, it exposes the BC lenders to higher credit risk. Accordingly, to
facilitate the working capital requirement of borrowers as well as to secure the
buyers credit facility, ICICI Bank offers issuance of BG/SBLC for buyers credit for
imports into India.

The BG/SBLC can be issued in favour of ICICI Bank Overseas Branches/other

foreign Banks/overseas branches of Indian Banks for extending buyers credit to
borrowers.

Inland Trade
ICICI Bank offers comprehensive range of Inland trade finance services that
optimizes the working capital cycle, enabling you to extend & negotiate superior
commercial terms with your customers and suppliers respectively. From financing
your suppliers/vendors to the financing of your dealers, we structure and customize
solutions suited to your specific business requirements.
Inland Letter of Credit Issuance
We issue Inland Letter of Credit on your behalf that helps you facilitate purchase of
goods and negotiate for better terms with the suppliers. Our team of dedicated
Relationship Manager/Account Manager advises you in drafting the terms and
conditions of the Letter of Credit so as to protect your interest.
Inland Bill Discounting (Under Letter of Credit)
We provide finance by discounting inland bills drawn under Letters of Credit issued
by scheduled commercial banks and MNC banks in India. We offer a single window
contact, simplified processes and excellent turnaround time. Bill discounting facilities
are customized to suit your requirement for short term finance at competitive rates,
which enables you to have improved liquidity, accuracy and visibility of cash flow.
Inland Bill Discounting (Not under Letter of Credit)
We provide financing for bills drawn on documents against acceptance terms, to the
extent of your sanctioned credit limits to help improve your cash flows.
Bills for Collection
ICICI Bank offers efficient Bill Collection services that ensure timely receipt of
payments. Pro-active monitoring and diligent follow up results in effective control of
timely realization of receivables.

By routing your inland bills through ICICI Bank, you experience fewer delays in
receiving payments, receive customized MIS that is integrated to your ERP systems,
gain increased control over your trade receivables and efficient cash flow
management.

Remittances
Inward Remittances
ICICI Bank's wire transfer instructions is one of the easiest methods of receiving
money to your current/business account in India.All you need to do is, select the
currency in which the remittance is intended to be received, fill in your 12-digit
current account number and brief details of remittance and forward the wire transfer
instructions to your overseas business partner in getting the remittance.Please
remember to advise your overseas partner to send instructions to their Bank with
"OUR" in their charges column when they send the wire transfer.

From the time your overseas business partner places the funds transfer request with
his local bank, it takes 24-48 banking hours for the funds to reach our account held
with our correspondent bank.The Wire transfer will be processed and the money will
 be credited to your account in quick time, provided you submit the required
documents defining the purpose to your ICICI Bank branch.

New- You can now also settle the inward remittances through your Corporate
Internet Banking.
For a sample wire transfer form please select currency below:

Select your Currency

Outward Remittance (Non Trade)

Outward remittance is a transfer of funds in the form of foreign exchange by a
person from India, to a beneficiary outside India (except for Nepal and Bhutan) for
any bonafide purposes as permissible under Foreign Exchange Management Act
(FEMA), 1999. It includes the following two types of payment:1. Outward remittance
(non-trade) 2. Outward remittance DD issuance or any other type of payments as
permitted by Reserve Bank of India as and when introduced.
The ICICI Bank Edge

1. Arrangement with all global and local financial institution across the globe
2. Quick turnaround time
 Online Trade Services
A comprehensive solution and a unique platform designed keeping in mind the end-
to-end requirements of our Trade Customers. It encompasses - Transaction,
Information and Notification.

Trade Online

Trade Online is a unique platform enabling corporates to submit trade finance

transaction requests like Bank Guarantee issuance and amendment, Letters of
Credit issuance and amendment Outward Remittances, Export Bills, Pre-shipment
Credit, SG/DO, i-BoE, e-BG, e-LC, i-DOCS & e-Docs online. The Trade Online
module works through the Corporate Internet Banking (CIB) platform. Clients can log
in through our website with their Corporate ID and User ID to initiate trade requests
which will directly flow into the bank system without any manual intervention.

Key Benefits
 Convenience for submitting trade transaction for customer having current account
with the bank
 Templatisation of repetitive transactions
 Customised authorisation matrix at customer end
 Quicker turnaround time for closure of trade transaction requests

Security Features
 Robust authentication processes
 Encrypted sessions between customer and the Bank (SSL v3 128 bit)
 Audit trails for administrative and transactional activities
 24/7 security monitoring and centralised incident management team
 Access control - for compliance and audit requirements at the customer's end

Registration Process
 Submit your Trade Online registration form along with Board resolution in your
branch today. Click here for downloading the forms.
FX Online
At ICICI Bank, we offer our clients customized hedging and trading solutions,
evaluating their business strategically across markets and time zones through
dedicated forex Relationship Managers. Learn more.

Blockchain
A Blockchain is a data structure that allows the creation of a digital ledger of
transactions that can be distributed amongst a digital network by using cryptography
resulting in Paperless transacting. This way, each participant on the network can
securely amend that ledger without the need for a central authority.

Our Blockchain platform are currently available for handling inland trade finance
processes between buyer, supplier and their banks. The platform is currently
available for transmitting customer’s trade documents such as purchase order, sales
invoice, transport documents, and other documents between participating banks.
 General Banking
The Current Account product provides a host of services like Anywhere Banking in
India (also anywhere in the world), which enables the customer to operate from any
branch, provides for faster collection of upcountry cheques, doorstep banking which
provides for delivery and pick-up of cash and documents, Internet Banking which
enables online tracking of the account, execution of transactions and so on. Multiple
variants of current accounts are offered by ICICI Bank to suit your specific
requirements.
General features of Current Account include

 Multi-location Funds transfer

 Anywhere deposit and withdrawal
 Mobile banking
 Electronic Funds Transfer
 Corporate Internet Banking
 Customer Care
 Periodical e-mail statements in multiple formats, including MT940, Multicash, Excel,
text, pdf, etc.

Roaming Current Account

Roaming Current Account (RCA) offered by ICICI Bank, travels the distance with
your business and helps effect lucrative business relationships. RCA brings with it
the concept of 'Anytime Anywhere' banking, enabling you to operate your RCA from
any of our branches in over 700 cities across India.

Recognising the fact that every business has particular requirements, a range of
variants are available under RCA to suit varying needs. The choice of variants is
based on committed Monthly Average Balance. It is also possible to modify/alter
your current variant every month in response to changing needs.

The following features are available with all variants:

 Multi-city cheques/Local cheques

 Unlimited withdrawal and deposit
 Demand drafts and pay orders
 Funds transfer
 Doorstep banking

Benefits

 Choose an account type that suits your business, from the available variants
 Cheque issued from your RCA may be encashed at any of the 700 centers across
India
 Allows your customer to deposit cheques into your account from any ICICI Bank
branch
 Speedy reflection of the deposited cheque in your account

Made2Order Current Account

ICICI Bank's Made2order Account (M2O) is an account which is tailor-made keeping
in mind transactions which are unique to your business. The M2O account gives you
the flexibility to choose services relevant to your specific business needs.

Depending on the services required, you may either maintain the required Monthly
Average Balance (MAB) or pay fees as per the volume and the services utilised.
Special features of the M2O Account include

 Flexibility in deciding the MAB

 Flexibility in deciding the free higher limits in services which are required frequently
 Customised DD/Pay Order limits
 Flexible cash deposit limits at both the base and the non-base branches
 Customised charges and free limits for services which are required frequently
 Flexibility in choosing free cheque leaves.

Escrow Account
At ICICI Bank, we provide escrow services for cash and demat transactions. The
Escrow services are offered to meet diverse requirements of clients that include the
following:

 Project financing and Loan repayments

 Sale purchase transactions
 Share Buyback and Mergers & Acquisitions
 Revenue and Profit sharing transactions
 Demat Escrows.

Benefits

 Provides safe and secured mode of routing cash flows

 Transactions can be customised to suit requirements of parties
 Open and operate multiple accounts for deals with waterfall mechanism
 Dedicated Escrow team to facilitate smooth operations
 Simplified documentation
 Online tracking of your escrow account.

Global Markets
ICICI Bank offers innovative FX services and products to its clients, based on their
unique requirements. We incorporate the best practices followed globally and
leverage technology to deliver bespoke solutions and a user- friendly experience.
About Global Market

Forex Desk
At ICICI Bank, we offer our clients customised hedging and trading solutions, across
markets and time zones through dedicated forex Relationship Managers.

Derivatives Desk
At ICICI Bank, our clients have the advantage of competitive pricing through one of
the largest USD/INR options book in India and market making in interest rates and
currency derivatives in all G7 currencies.

Bond Desk
ICICI Bank is a leading participant in the Indian fixed income markets. Our Debt
Syndication Desk offers end-to-end services related to origination and placement of
 bonds & commercial papers across various issuer and investor segments. Given our
time-tested expertise in the domestic debt market, we have strong relationships with
bank treasuries, mutual funds, insurance companies, retirement funds, foreign
portfolio investors, corporate treasuries and trusts.

Remittances Through FX Channels

Getting the right rates at the right time is the key determinant of profitability in Forex
transactions. ICICI Bank offers the advantage of seamless execution and market
making through a range of channels for your remittance requirements.

Treasury Research
The customers are also provided with regular market updates, both quantitative as
well as qualitative research on macroeconomics and financial markets.

Gold Metal Loan

Mechanism under which a jewellery manufacturer borrows gold metal instead of
rupees and settles the GML with the sale proceeds obtained.

Gold Outright Sale

ICICI Bank offers gold in standard bar forms on outright sale basis.

ICICI Bank acting as a Lead Manager for Debt Public Issuance of DHFL
The draft shelf prospectus has been filed with BSE and NSE on May 04, 2018, by
Dewan Housing Finance Limited to seek comments from the investors.

1. Shelf Prospectus
2. Tranche Prospectus
3. Download Application Form
Investment Banking
ICICI Bank's Global Investment Group services you through the entire length of your
project. From advisory and strategising services to successfully executing profitable
deals to handling all the banking requirements, ICICI Bank provides the support at
all stages.

Mergers and Acquisitions Advisory Group (MAAG)

Complete advisory services for mergers and acquisitions and private equity
syndication.

International Syndication Group

Syndication of offshore loans for companies, both India linked and regional.

Debenture Trusteeship
Debenture Trustee for residual cases. Not accepting any fresh issue since 2000 due
to amendment to the SEBI (Debenture Trustee) Regulation 1993.
 COPORATE BANKING SBI

CORPORATE BANKING

CAG is the dedicated SBU of the Bank handling the portfolio of ‘large credit'. The
SBU has 7 Offices in 6 regional centers viz. Mumbai, Delhi, Chennai, Kolkata,
Hyderabad and Ahmedabad headed by General Managers. The business model of
CAG is centered around the Relationship Management concept and each client is
mapped to a Relationship Manager who spearheads a cross-functional Client
Service Team. The Relationship strategy is anchored on delivering integrated and
comprehensive solutions to the clients, including structured products, within a
strict Turn-Around-Time. The principal objective of the strategy is to make SBI the
first choice of the top corporates thereby increasing the wallet-share and improving
the Return on Capital Employed. A sustained Account Planning exercise with
rigorous review of the account by senior management sets the pace for the
Relationship Management in CAG
SBI is a one shop providing financial products / services of a wide range for large,
medium and small customers both domestic and international.
Working Capital Financing
 Assistance extended both as Fund based and Non-Fund based facilities to
Corporates , Partnership firms , Proprietary concerns
 Working Capital finance extended to all segments of industries and services sector
such as IT
Term Loans
To support capital expenditures for setting up new ventures as also for expansion,
renovation etc.
Deferred Payment Guarantees
To support purchase of capital equipments.
 Corporate Loans
For a variety of business related purposes to corporates.
Export Credit
To Corporates / Non Corporates
Strategic Business Units
 Corporate Accounts Group (CAG)
 Project Finance
 Lease Finance
o An exclusive unit providing one stop shopping to Corporates
o A dedicated set up specialised in financing of infrastructure and other large
projects
o Exclusive set up for handling large ticket leases.
Pricing
 SBI's Prime Lending Rates (PLR) are among the lowest
 Presently Bank has two PLR's
 SBAR for loans payable on demand and upto one year
 SBMTLR for loans payable beyond one year.
 PROFILE

 An integrated solution for all financial challenges faced by the corporate universe.
 The primary delivery channels are The Corporate Banking Group and the National
Banking Group
 The Corporate Banking Group consists of dedicated Strategic Business Units that
cater exclusively to specific client groups or specialize in particular product
clusters.
 The Corporate Banking Group consists of dedicated Strategic Business units viz.
o Corporate Accounts Group (CAG),
o Project Finance unit and
o Leasing unit.
 The National Banking Group also delivers the entire spectrum of corporate
banking products to other corporate clients, on a nationwide platform.
Complete Range of Products and Services
 The SBI offers an exhaustive range of financial products and services that answers
any business or market circumstance, backed by an assublack expertise in
customizing the product to meet the most sensitive specificities of each client and
each business context.
 It is committed to understanding the finest nuances of your business objectives
and engineering cblackit and non-cblackit solutions to suit them.
 Its team of highly skilled and experienced product specialists can help you
forecast your cblackit patterns and structure complex transaction requirements.
The SBI Edge
 Commanding unsurpassed respect and legacy in the Indian financial expanse, the
SBI is committed to offering you financial solutions that extract maximum value
from business and market situations.
 While the bank is strongly positioned to structure financial packages that
anticipate the changing business environment, its vast network--the world's
largest--ensures delivery channels of unmatched reach, both in India and abroad.
 CORPORATE ACCOUNTS GROUP (CAG)

CAG - A perfect strategic fit

 Market leader image
 Focussed attention
 Flexible & Customer - friendly credit policies
 Structured Products - Fundbased & feebased
 Timely, comprehensive and assured delivery
 Competitive pricing
 Highly skilled credit expertise
CAG - SBI's Proactive response to emerging market needs
Created in the year 1995, CAG's'' mission is to:
 Focus on top corporate clients
 Establish itself as the most professional outfit of its kind in the country
 Render world class and cost effective financial services
 Evolve new products on a sustained basis-customised to the changing needs of the
corporates
 Stay ahead of competitors
CAG - A Symbol of excellence
a. Quality Relationship Banking
Exclusive, highly skilled Relationship teams of dynamic and motivated personnel,
each attending to a select group of top Corporates providing a one-stop-shop for
financial services
presently at Mumbai, New Delhi, Calcutta, Chennai and Ahmedbad.
 b. Delayered Credit process
Only two stage credit process consisting of appraisal and assessment by the
Relationship team and sanction by the Credit Committee/Central Board, leading to
quickest response time in the industry.
c. Offer of wider and sophisticated products
Apart from a variety of core credit products including structured finance and multi-
purpose short term corporate loan, CAG offers an array of customer specific
products like Cash Management Product, Treasury & Forex products and Merchant
Banking products in association with SBI Capital Markets Ltd., SBI Gilts Ltd. and
other subsidiaries of SBI.
CAG - One point contact
Account Management Teams will aid you in securing any product from any of our
various associates and subsidiaries as listed below
 For leasing requirements through our Leasing SBU
 Large Scale Project Finance through PF SBU
 Capital Market Requirements through SBICAPS
 Treasury and Investments through SBI GILTS and SBI SECURITIES
 Receivables factoring through SBI Factors Ltd.

CORE CREDIT PRODUCTS

PurposeType of Loan Pricing

Rupee Working Cash Credit facility Based on credit risk

Loans Capital rating of the Company
designed on the lines of
internationally accepted
 models, ranging from
our Base Rate (BR)
upwards.

Project & Medium Term Loans 5-7 years or Same as above - Base
Capex loans longer in exceptional cases Rate (BR) upwards.

Export Credits Packing Credit, Postshipment , RBI Defined LIBOR

Forfaiting linked and Market
Determined

Foreign Projects & External Commercial LIBOR linked

Currency Work. Cap Borrowings(ECBs) which include
Loans Syndicated loans, Stand-alone
loans,Buyers'Credit and Seller's
Credit, Bilateral loans in all major
currencies, ECA backed credits,
FRNs/Euro bonds(with SBICAp),
Pre-bid and post bid facilities for
project exports and FCNR(B)
Loans
 OTHER STRUCTURED PRODUCTS

Purpose Pricing

Short Term Corporate Loans For Shoring up Net Working Capital, Based on
Ongoing capital expenditure, the Credit
Repayment of high cost debt, R&D risk rating
expenditure, implementation of VRS - Linked
to our
Base Rate
(BR)

Securitised loans- in association with Upfronting of assured cash flow Based on

SBICAP emanating from future receivables risk rating
viz. rentals, Royalties, debtors, Lease
rentals etc.

Channel Financing- in association with Financing of downstream marketing Based on

other SBI branches channels the Credit
risk rating
- Linked
to our
Base Rate
(BR)

Fee Based Products - like Letter of For import of goods including capital Large
Credits(LCs), Guarantees, Defferred goods participation in international value
Payment Guarantees(DPGs) and Letter bids, performance guarantees etc. business -
of Comfort negotiable.
 TRADE FINANCES

 Issuance and advising of Domestic and Foreign Letters of Credit.

 Confirmation of Export Letter of Credit.
 Issuance of Guarantees on behalf of Domestic Customers
o In favour of Domestic Beneficiaries and
o Foreign Beneficiaries.
 Issuance of guarantees on behalf of foreign correspondent banks to beneficiaries
in India.
 Deferred Payment Guarantees.
 Domestic and Foreign Bills discounting.
 SWIFT Interface.
 (e-TradeSBI) Front-end interface (Internet Based) at the customer place. Through
e-TradeSBI, the customer can request the Bank;
o To issue Letter of Credit and handle related bill transactions
o To issue Bank Guarantee
o To send advice on Letters of Credit received from others
o To lodge Export Collection Bills
o To enquire status of Trade Finance transactions
o For negotiation of bills and track negotiated bills
o For Advance against Export Bills on Collection
o For Lodge of Bills where Full Advance Payment has been received
 Delivery Platforms at all 7 CAG branches having specialization to provide Trade
Finance Services, adhering to Six Sigma principles.
 While SBI is the most widely accepted Indian Bank across the world with
correspondent relationship extending to a spectrum of international banks
 numbering 876 at present our LCs, Guarantees and DPGs are issued at the most
competitive rates.
 SBI is the only Indian Bank whose guarantee is accepted by most of the Export
Credit Agencies globally without seeking confirmation.
 SBI's Clean & Documentary Collections are made at most competitive rates
through our Global Link Services.
 We also provide trade related information to Indian corporates, their overseas
partners/buyers through our foreign offices.
 MID- CORPORATE GROUP

Mid Corporate Group (MCG)

Mid Corporate Group (MCG) focuses on Mid Corporate customers, which are
defined by the Bank as entities availing aggregate limits of above Rs.50 Crores and
up to Rs.500 Crores (Fund Based + Non Fund Based). However, MCG handles
customers with limits of above Rs.500 Crores (Fund Based + Non Fund Based)
also, at centres where Corporate Accounts Group is not present.
The strengths of Mid Corporate Group are:
 special attention provided to the overall banking requirements of Mid Corporate
clients through Account Management Teams (AMTs);
 customised solutions to meet all financial requirements of Mid Corporate clients;
 network of 58 branches covering major industrial and business centres in India;
and
 executives well versed in credit, foreign exchange and trade finance.
Mid-sized corporate customers have been and continue to be the growth drivers of
India's economic development. This market segment encompasses more than
10,000 entities, many of whom are listed on domestic stock exchanges. High
concentration of these customers is in around 50 centres in the country, all of
which are served by the Bank's extensive branch network. In addition, Mid
Corporate Group serves this segment in 34Metropolitan and Urban centres through
58 dedicated branch outfits - housing specialised Account Management Teams
(AMTs) - ranging from 2 to 10 such teams in each of the branches.
Relationship Managers, leading the AMTs, are assigned to all Mid Corporate
customers. A typical Relationship Manager handles approximately 15 to 20 Mid
Corporate customers and is the customer's single point of contract in the Bank.
These Relationship Managers are mandated to fulfil every possible banking
 requirement of Mid Corporate customers, while simultaneously focusing on quality
of assets, containment of NPAs and regular evaluation of pricing offered to
customers on various products. The AMTs liaise with existing customers, as well
as reach out to potential customers, for familiarising them with the various
products and services offered by the Bank's different Verticals (e.g. Cash
Management Products, Interest Rate and Currency Hedging Products, Retail
Products, etc.) - besides Mutual Funds, Custodial Services and Insurance and other
products of the Bank's subsidiaries.
Mid Corporate Group is active in providing working capital advances, project
finance and term loans, including stand-alone term lending to well rated customers.
The Group also offers non-fund based business like Letters of Credit and Bank
Guarantees, by offering market related pricing in high-volume/high-income and
well rated accounts. Customers of Mid Corporate Group can also be industry
majors or vendors or dealers. The Group offers supply chain finance in the form of
vendor and dealer financing, thereby linking the Large Corporate, Mid Corporate
and SME customer segments served by the Bank.

MCG/MCRO ADDRESS TEL. NO. e-mail ID

MCG-I(MCROs : Chief General Manager (MCG- 022- cgm.mcq@sbi.co.in

Mumbai I & II, I)State Bank of India, Mid 22741231
Indore & Pune) Corporate Group, Corporate
Centre, 12th Floor, Madame Cama
Road, Mumbai - 400 021

MCG-II(MCROs: Chief General Manager (MCG- 022- cgm2.mcg@sbi.co.in

Ahmedabad, II)State Bank of India, Mid 22741291
Bangalore, Chennai- Corporate Group, Corporate
I & II & Hyderabad) Centre, 12th Floor, Madame Cama
Road, Mumbai - 400 021

MCG-III(MCROs : Chief General Manager (MCG- 022- cgm3.mcg@sbi.co.in

Chandigarh, New III) State Bank of India, Mid 22742201
Delhi - I & II, Corporate Group, Corporate
Kolkata – I & II) Centre, 12th Floor, Madame Cama
Road, Mumbai - 400 021

MCRO Ahmedabad The General Manager (MC) 079- gm.mcahm@sbi.co.in

State Bank of India Mid Corporate 26423200
Regional Office, A-24, Swastik
Society, 2nd & 3rd Floor, Shyam
Gokul Building, Near Stadium,
5th Road, Ahmedabad – 380 009

MCRO Bangalore The General Manager (MC) 080- gm.mcban@sbi.co.in

State Bank of India Mid Corporate 25943064
Regional Office, 2nd Floor, Local
Head Office Building. 65, St
Mark's Road Bangalore – 560
001.

MCRO Chandigarh The General Manager (MC) 0172- gm.mccha@sbi.co.in

State Bank of India Mid Corporate 4569011
Regional Office, Plot No. I-2-B,
City Centre, Sector 5, Panchkula,
Haryana – 134 109.

MCRO Chennai-I & The General Manager (MC-I ) & 044- gm.mcche@sbi.co.in
II (MC-II) 28243620 gm2.mcche@sbi.co.in
State Bank of India Mid Corporate 044-
Regional Office, 34, College 28243630
Road, Nungambakkam, Chennai
600 006

MCRO Hyderabad The General Manager (MC) 040- gm.mchyd@sbi.co.in

State Bank of India Mid Corporate 24756959
Regional Office, Local Head
Office Building, Bank Street,
Koti, Hyderabad – 500 095.

MCRO Indore The General Manager (MC) 0731- gm.mcind@sbi.co.in

State Bank of India Mid Corporate 2580302
Regional Office, 5, Yashwant
Niwas Road, Indore (M.P) – 452
003
 PROJECT FINANCE

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, SBI Capital Markets Limited &SBICAP Trustee
Company 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:
 Road &other PPP Projects
 Power sector including Renewal Energy Projects in Solar, Wind, Hydro Power
and Transmission Lines
 Oil & gas, other natural resources, City gas distribution
 Ports and Airports
 Telecommunications
 Railways
 Smart Cities &Urban Infrastructure
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
Why Project Finance SBU?
Since its inception in 1995 the Project Finance SBU has built-up a strong
reputation for its 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. Over a period of time,
PFSBU has acquired expertise and required skills to offer entire project finance
related requirements of domestic infrastructure projects.
 What's in it for you?

Single window solution

 Appetite for large value loans.
 Proven ability to arrange/syndicate loans.
 Competitive pricing.
 Letter of Credit Limits for financing domestic and imported equipment
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 150 Crores.
The commercial wing of PF SBU deals with projects wherein ;
The minimum project cost is Rs. 500 crores for non- infrastructure / commercial
projects
We also have PF Cell at New Delhi, which has criteria of reference for appraisal of
infrastructure Projectsis Rs. 75 crores (minimum) and Non – infrastructure &
Commercial Projects is Rs. 150 crores.
For project funding requirements, 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: cgm.pfsbu@sbi.co.in , gm.pfsbu@sbi.co.in
PRODUCTS AND SERVICES

SBI offers :-
 Working Capital Finance
 Project Finance
 Deferred Payment Gaurantees
 Corporate Term Loans
 Structured Finance
 Dealer Financing
 Channel Financing
 Equipment Leasing
 Loan Syndication
 Financing Indian Firms Overseas Subsidiaries or JVs
 Construction Equipment Loan

INDUSTRIAL SECTOR

Working Capital Finance

SBI offers working capital finance to meet the entire range of short-term fund
requirements that arise within a corporate's day-to-day operational cycle.
The SBI working capital loans can help your company in financing inventories,
managing internal cash flows, supporting supply chains, funding production and
marketing operations, providing cash support to business expansion and carrying
current assets.
SBI's working finance products comprise a spectrum of funded and non-funded
facilities ranging from cash credit to structured loans, to meet the different
demands from all segments of industry, trade and the services sector. Funded
facilities include cash credit, demand loan and bill discounting. Demand loans are
considered also under the FCNR (B) scheme. Non-funded instruments comprise
letters of credit (inland and overseas) as well as bank guarantees (performance and
financial) to cover advance payments, bid bonds etc.
Project Finance
The SBI has formed a dedicated Project Finance Strategic Business Unit to assess
credit proposals from and extend term loans for large industrial and infrastructure
projects. Apart from this, project term loans for medium sized projects and smaller
clients are delivered through the CAG and the NBG.
In general, project finance covers greenfield industrial projects, capacity expansion
at existing manufacturing units, construction ventures or other infrastructure
projects. Capital intensive business expansion and diversification as well as
replacement of equipment may be financed through the project term loans.
Project finance is quite often channeled through special purpose vehicles and
arranged against the future cash streams to emerge from the project.
The loans are approved on the basis of strong in-house appraisal of the cost and
viability of the ventures as well as the credit standing of promoters.
Deffered Payment Gaurantees
Q. What is the SBI deferred payment guarantee?
SBI can extend deferred payment guarantees to industrial projects for obtaining
imported equipment. The DPG is a standby credit guaranteeing deferred payments,
usually for payments for capital goods, turnkey contracts etc.
Corporate Term Loan
The SBI corporate term loans can support your company in funding ongoing
business expansion, repaying high cost debt, technology upgradation, R&D
expenditure, leveraging specific cash streams that accrue into your company,
implementing early retirement schemes and supplementing working capital.
Corporate term loans can be structured under the FCNR (B) scheme as well, with
the option of switching the currency denomination at the end of interest periods.
This will help you take advantage of global interest rate trends vis-a-vis domestic
rates to minimize your debt cost.
The bank's corporate term loans are generally available for tenors from three to
five years, synchronized with your specific needs.
SBI corporate term loans may carry fixed or floating rates, as befits the exact
requirement of the client and the risk context. Again, these rates will be linked to
the bank's prime lending rate.
SBI corporate term loans can have a bullet or periodic repayment schedule, as
required by the client. The repayment mode may be linked to the cash accruals of
the company.
The Bank's expert credit crew gauges the applicant's particular fund requirements
and evaluates the company's credit worthiness, factoring in the cash flows
generated by it.
Structured Finance
SBI structured finance involves assembling unique credit configurations to meet
the complex fund requirements of large industrial and infrastructure projects.
Structured finance can be a combination of funded and non-funded facilities as
well as other credit enhancement tools, lease contracts for instance, to fit the multi-
layer financial requirements of large and long-gestation projects.
Q. What is the SBI advantage in structured finance?
Being India's largest bank and with the rich experience that it brings with it, SBI
commands formidable expertise in engineering financial packages that address
complex requirements with minimum risk.
Further, SBI has firm relationships across the financial map of the world, which
can be leveraged to structure solutions that may necessitate the participation of
several credit agencies.
Dealer Financing
SBI extends financial support to the corporate distribution networks, by providing
both working capital finance and term loans to select dealers of identified
companies. This gives dealers to leverage their business relationship with major
corporates to avail low cost credit. Also, this type of financial solutions allows the
corporate negotiate a better price with dealers. Dealer financing may be extended
in the bill discounting form or simply as cash credit.
Channel Financing
Channel financing is an innovative finance mechanism by which the bank meets
the various fund necessities along your supply chain at the supplier's end itself,
thus helping you sustain a seamless business flow along the arteries of the
enterprise.
Channel finance ensures the immediate realization of sales proceeds for the SBI
client's supplier, making it practically a cash sale. On the other hand, the corporate
gets credit for a duration equaling the tenor of the loan, enabling smoother liquidity
management.
SBI has the world's largest banking network of over 9,000 branches and this
enables it to deliver the financial solution at your suppliers doorsteps, across the
span of the country.
Equipment Leasing
The SBI's has deployed a dedicated Strategic Business Unit for lease financing that
is richly experienced in arranging lease contracts for procuring expensive
equipment for your project or plant. At SBI, we arrange lease agreements as stand
alone contracts or as part of a structured package.
Loan Syndication
The SBI leverages its vast network of relationships to arrange syndicated credit
products for corporate clients and industrial projects.
With its rich experience and strong reputation, SBI's syndication desk can
assemble large loan packages involving a ring of reputed financial entities,
domestic and international, that match the large credit requirements of
infrastructure projects.
TRADE and SERVICES SECTOR

Transport Plus
Purpose
To finance new trucks/tankers/trailers/tippers/luxury buses and Car etc and WC
finance against receivables.(Take over from other Banks/FIs not allowed).
Eligibility
Profit making Corporates/Non-corporates (surface transport operators) owning
more than 10 well-maintained vehicles (including the proposed).
Type of Facility
(i) Term Loan and (ii) Cash Credit limit to finance receivables.
Quantum of finance
Term Loan and CC combined : Minimum Rs. 10 lacs and maximum Rs. 10 crores
for Corporates.
Repayment
Term Loan: Maximum 5 years.
Repayment will be in Equated Monthly Installments (EMI), starting two months
after disbursement. Cash Credit: Repayable on demand, renewal every year.
EMI Calculator
Margin
Term Loan and C.C : 20%
Eligible amount of finance
Term Loan:Cost on Road i.e. Billing price of the vehicle + Cost of body building +
Road Tax & Insurance
Cash Credit : 80% of receivables.
Prepayment
Term Loan: Maximum 1% p.a. on the pre-paid amount, for the residual period.
 Rate of Interest
As per Card Rates.
Security
Primary :Hypothecation of vehicles financed as well as book debts.
Collateral :
 Unencumbered vehicles/immovable properties for a value not less than 25% of
loan amount.
 Personal guarantee of promoters and two third-party guarantors.
Insurance
As per Banks guidelines.
Applicability
Metro/urban/semi-urban centers
Bill Finance
The bank?s bill finance product helps you bridge the fund gap between the date of
sale of products to the receipt of payments.
The bank purchases the bill of exchange your company receives against a product
sale, at a discount, thus doing away with the delay in realizing the receivables.
The extent of discounting would amount to the interest calculated till the payments
for the original sale are realized, and will be determined on the basis of market
interest rates as well as the credit rating of the borrower.
Cash Credit for Traders
SBI cash credit can be in the form of a running account, similar to an overdraft
secured by a charge on current assets, that meets the frequent cash requirements of
your trading cycle.
Term Loan for Asset Aquisition
The specialized product has been designed to help you purchase plant, machinery,
land or other physical assets required during the growth and expansion of the your
company.
Letters of Credit
The SBI offers Letters of Credit to facilitates your purchases of goods in trading
operations, both domestic and international. Backed by the SBI's strong reputation,
you will be able to build better trust in trade and forge business relationships faster.
The bank's vast network of branches and correspondent banks enables your
enterprise to sustain a seamless flow of business on a wide platform.
Further, the bank's informed trade finance crew can provide you with sophisticated
credit and trade information and market knowledge, helping you extract more
value from business.
Bank Gaurantees
The SBI guarantees the creditworthiness or the business capacity of its clients
through its financial and performance guarantees.
SPECIALIZED PRODUCTS

Cash Management Product

The bank offers a totally technology-driven cash management product, based on
the satellite-linked SBI FAST (for Funds Available in the Shortest Time) platform
that connects 722 centers spread across the country. Your cash collections can be
pooled at these centers at competitive rates.
Further, your cost centers at various locations can have a daily limit with the SBI's
local branch which can be swept automatically into your main account located at
your corporate center and reverse sweep shall take place next day morning. Thus
Corporates can save on interest cost.
The SBI is planning to raise the number of its cash management centers to 500,
which then would cover 90 per cent the bank's corporate clients financial
transactions.
Q. What are the benefits of the SBI cash management product?
The cash management solution ensures a comfortable liquidity position within
your corporation always and will significantly bring down transaction time and
cost. Further, the quicker, more efficient and better-controlled cash circulation can
actually create profit opportunities for the company.
The company will be better placed to forecast its cash positions and schedule
related financial transactions accordingly.
e-VFS (Electronic Vendor Financing Scheme) & e-DFS (Electronic Dealer
Financing Scheme)
e-VFS and e-DFS are fully automated and secured products, designed to ensure
efficient management of working capital cycle of the corporate and sustained
growth and profitability of business partners and the entire Supply Chain is taken
care under the scheme. Under Supply Chain Finance bas has tied up with 65
Industry Majors with across all Industry verticals like Auto, Oil, Steel, Power,
Fertilizer, FMCG and Textiles.
Channel Financing
Channel financing is an innovative finance mechanism by which the bank meets
the various fund necessities along your supply chain at the supplier's end itself,
thus helping you sustain a seamless business flow along the arteries of the
enterprise.
Channel finance ensures the immediate realization of sales proceeds for the SBI
client's supplier, making it practically a cash sale. On the other hand, the corporate
gets credit for a duration equaling the tenor of the loan, enabling smoother liquidity
management.
SBI has the world's largest banking network of over 14,500 branches and this
enables it to deliver the financial solution at your suppliers doorsteps, across the
span of the country.
Construction Equipment Loan (CEL) :
Line of credit for financing the requirement of existing construction companies,
having credit rating of SB-1 to SB-8 (new model), to purchase new machines /
equipments / vehicles for execution of construction projects / standard construction
equipments.
Quantum : Rs 3.00 crores to Rs 100.00 crores.
Pricing : Linked to the Base Rate of the Bank as per credit rating of the company.
Tenure : upto 4 years
Repayment : In monthly instalments. However, variable repayment programme can
also be considered based on the cash flow of the company.
Others : The loan may be disbursed in several tranches, subject to minimum 10%
of the sanctioned amount for any tranche, within a period of maximum one year
 from the date of sanction depending on requirement of equipments / machinery /
vehicles within the specified time frame.
Corporate Loan :
Corporate Loan, an innovative product which is in existence, has been
revamped/modified. Now, the Corporates with Borrower Rating of SB 10 and
above, can avail finance without any CAP for the following purposes under "
Corporate Loan Scheme" by way of Term Loan/WCTL with Repayment period not
to exceed 10 years or the useful life of the fixed assets under cover, whichever is
earlier.
 Shoring up the net working capital (NWC)
 Long term working capital requirements
 Ongoing capital expenditure such as replacement of parts of machineries,
upgradation, renovation etc.
 Repayment of high cost debts
 Research and Development expenditure
 Implementing Voluntary Retirement Scheme in the company