State Bank of Travancore Loans

State Bank of Travancore is an important subsidiary of State Bank of India. The bank has come up with a range of loan products to satisfy various needs of individual and corporate clients. State Bank of Travancore loans have all the benefits and features that borrowers constantly look for.

About State Bank of Travancore Loans

State Bank of Travancore loans come with attractive rates and terms that suit the needs and budgets of the borrowers. It is one of the best banks in Kerala and has been offering a diverse range of products and services to meet the needs of the customers since 1945. State Bank of Travancore loans can be categorized into the following:

State Bank of Travancore loans – Personal banking

The personal banking division of State Bank of Travancore offers the following loan products to meet the personal financing needs:

• Loan against deposits: Cash key facility
• Loan against scrips: Mitra Varsha
• Gold Loans: Liquid Gold and Conventional
• Personal loans: Sahaya Varsha, Housing Loan, Car Loan, Computer Loan, Home Cash, Two Wheeler Loan, Education loan, Prasanthi Loan, Suvidha Loan and Prasanthi Elite

Besides the abovementioned credit products, State Bank of Travancore also offers Aishwarya Home Loan and Reverse Mortgage Loan.

State Bank of Travancore loans – Business banking

The business banking division of State Bank of Travancore also has introduced a range of loan products to serve the financing needs of the business clients which includes the following:

1) MSME financing

• Term Loans
• Working Capital
• Entrepreneur Scheme
• Liberalized scheme
• Special hypothecation scheme
• Sahaya Hastha
• Composite term loans
• Scheme for financing purchase of computers and cell phones
• Standby line of credit (SLC)
• SBT Laghu Udyami Credit Card (LUCC)
• Flexi SSI Loan
• Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
• Swarojgar Credit Card (SCC) Scheme
• SME Easy loan
• SSI Special
• Margin Free Special
• Doctor’s special – Revised scheme
• Shoppe special
• Car loan to SME units
• Traders’ special
• Tourism special
• Homestay tourism
• RTO Special
• Petroleum Special
• Bus/Truck operators – working capital
• Scheme for financing automobile workshops
• Scheme for financing hostels
• RTO Finance – Tie Up with Eicher Motors Ltd
• RTO Finance – Tie Up with Poomkudy Force
• Working Capital Demand loan
• MSME Special Term Loan
• Mahila Vikas Scheme
• RTO Loan – Tie Up with Mahindra and Mahindra
• SBT - JCB Tie Up
• Rice Mill Special - Scheme for Financing Rice Mills
• Swagatham – Scheme For Returning Keralites
• RTO Loan - Tie Up With Premier Ltd

2) Financing trade and services

The commercial and institutional banking division of State Bank of Travancore offers the following schemes for financing trade and services:

• Vyapar Suvidha Loan (Mortgage Loan for Trade and Service Sector)
• General Scheme for Financing Trade and Services
• Pharma Plus
• Flexi Loan For Traders: General-Purpose Term Loan For Traders
• Distributor’s Plus
• Home Appliances Dealers Plus
• Rent Plus – Scheme for Financing against Rent Receivables
• SBT Short Term Corporate Loan to Corporate & Non-Corporate Customers
• Financing Fleet Operators
• Scheme For Financing Contractors
• SBT Oil Plus Scheme

3) Gold card for exporters – This is a credit scheme for fulfilling the financing needs of exporters.

State Bank of Travancore loans – NRI Banking

The NRI banking division of State Bank of Travancore offers the following credit schemes for NRIs (non resident Indians):

• Education loan
• Housing loan
• Suvidha – all purpose mortgage loan
• Vehicle loan

State Bank of Travancore loans – Social and Rural Banking

The Social and Rural Banking division of State Bank of Travancore offers the following loan schemes:

1) Agriculture finance

• Kisan Credit Card Scheme
• SBT Kisan Gold Card Scheme
• Purchase of land for agricultural purposes
• Farmhouse cultivation
• Scheme for farming of vanilla
• Scheme for farming of medicinal plants
• Advance against warehouse receipt
• SBT rain water harvesting scheme
• Minor irrigation
• Agricultural Loan to non-resident Indians
• Agriculture Gold Loan
• Farm mechanization
• Venture Capital Loan Schemes
• Karshaka Suhuruth
• Scheme for improvement/upgradation of agricultural marketing infrastructure, standardization and grading
• Scheme for agricultural clinics and agricultural business centres
• Agricultural gold loan for associated agricultural operations
• Construction/expansion/renovation of agricultural godown
• Scheme for transforming existing fishing vessels for tuna long lining
• Financing against warehouse receipts issued by NBHC
• Scheme for financing milking machines
• Scheme for financing of farmers for purchasing new multi utility vehicles for agricultural usages

2) Micro finance

• Scheme for financing developed SHGS for agricultural production and investment operations
• Self help group (SHG) bank linkage programme
• SBT Rural Housing Loan Scheme (Bhavanshree)
• SHG Gold Card
• SHG Credit Card
• Scheme on hygiene (Bhavanshree)
• Financing non government organisations (NGOs)/microfinance institutions (MFIs)
• Financing of joint liability groups (JLGs)