Public Sector Bank (PSU)Invoice Discounting / FactoringSmall Enterprise (Investment ≤ ₹10 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

SBI Supply Chain Finance (e-VFS & e-DFS)

Primary Lending Institution:State Bank of India (SBI)

₹5 Lakh to ₹10 Crore MSME credit at 8.50% – 9.75% with Up to 12 months (Revolving) tenure.

Interest Rate8.50% – 9.75%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹5 Lakh to ₹10 CroreBased on turnover & project cost

Repayment TenureUp to 12 months (Revolving)With moratorium where applicable

Collateral SecurityRestricted to vendors or dealers tied up with pre-approved corporate anchors on SBI's supply chain finance portal.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Restricted to vendors or dealers tied up with pre-approved corporate anchors on SBI's supply chain finance portal.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is SBI Supply Chain Finance (e-VFS & e-DFS)?

Automated digital invoice financing for MSME vendors and dealers of reputed corporate anchor buyers via SBI's supply chain web platform.

Key Benefits & Features

Instant liquidity against verified corporate invoices; paperless online discounting; 100% digital drawdowns.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Vendors/dealers with active supply contracts with corporate anchors empaneled with SBI.

Business Vintage1+ Years in Operation

Min. Annual Turnover₹50.0 Lakh

Processing Fee0.25% + GST

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://sbi.co.in/web/business/sme/sme-loans/supply-chain-finance with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

What is the maximum loan tenure and amount for SBI Supply Chain Finance (e-VFS & e-DFS)?

Borrowers can avail ₹5 Lakh to ₹10 Crore with a repayment tenure of Up to 12 months (Revolving).

What are the processing charges and collateral terms for SBI Supply Chain Finance (e-VFS & e-DFS)?

The processing fee is 0.25% + GST. Collateral terms: Restricted to vendors or dealers tied up with pre-approved corporate anchors on SBI's supply chain finance portal.

What are the eligibility criteria for SBI Supply Chain Finance (e-VFS & e-DFS)?

Vendors/dealers with active supply contracts with corporate anchors empaneled with SBI. Minimum business vintage required is 1 year(s).

How can an applicant apply for SBI Supply Chain Finance (e-VFS & e-DFS)?

Apply online at https://sbi.co.in/web/business/sme/sme-loans/supply-chain-finance or visit nearest branch with KYC, Udyam registration, and bank statements.