Micro Enterprises Above Rs 25 lac and upto Rs. 5 crore (Excluding TP)

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1 ANNEXURE Micro Enterprises Upto Rs. 2 lac (Excluding Tenor -TP) NA Micro Enterprises Above Rs. 2 lac and upto Rs. 25 lac (Excluding TP) AAA AA A BBB Below BBB Micro Enterprises Above Rs 25 lac and upto Rs. 5 crore (Excluding TP) AAA AA+/AA A BBB Below BBB Micro Enterprises Above Rs. 5 crore (Excluding TP) AAA AA+/AA A BBB Below BBB Small Enterprises Upto Rs. 2 lac (Excluding TP) NA

2 Small Enterprises Above Rs. 2 lac and upto Rs. 25 lac (Excluding TP) AAA AA A BBB Below BBB Small Enterprises Above Rs. 25 lac and upto Rs. 5 crore (Excluding TP) AAA AA+/AA A BBB Below BBB Small Enterprises Above Rs. 5 crore (Excluding TP) AAA AA+/AA A BBB Below BBB IB Doctor Plus (Excluding TP) A & above (WC) A & above (Term Loan/ Equip) A & above (Term Loan/ Building) BBB (WC) BBB (Term Loan / Equip) BBB (Term Loan / Building) Below BBB (Term Loan/ Equip) Below BBB (Term Loan / Building)

3 IB My Own Shop (36 months and above) Excluding TP A & above BBB For tenor less than 36 months, spread may be reduced by 0.50%. IB Vidya Mandir (Above Rs. 20 lac and upto Rs. 100 lac) Excluding TP A & above BBB For loans upto Rs. 20 lac, maximum spread may be reduced by 0.50%. IND Vahana (Where no collateral other than third party guarantee is available) Excluding TP A & above BBB In case collateral is more than 50%, spread may be reduced by 0.50%. IB Professional Special Excluding TP NA IB Annapoorna & Arogya Excluding TP A & above (WC) A & above (TL) BBB (WC) BBB (Term Loan) IB Star Rice Mill (Excluding TP) AA & above (WC) AA & above (Term Loan) A& BBB (WC) A & BBB (Term Loan) Below BBB (Term Loan)

4 IND SME Secure Security Cover 150% of limit(excluding TP) AA & above (WC) AA & above (TL) A(WC) A (Term Loan) BBB(WC) BBB(Term Loan) Below BBB (WC) Below BBB (TL) IND SME Secure, Security Cover 125% of limit(excluding TP) AA & above (WC) AA & above (TL) A(WC) A (Term Loan) BBB(WC) BBB(Term Loan) Below BBB (WC) Below BBB (TL) IND SME Secure, Security Cover 100% of limit (Excluding TP) AA & above (WC) AA & above (TL) A(WC) A (Term Loan) BBB(WC) BBB(Term Loan) Below BBB (WC) Below BBB (TL) IND SME Secure, Security Cover 75% of limit (Excluding TP) AA & above (WC) AA & above (TL) A(WC) A (Term Loan) BBB(WC) BBB(Term Loan) Below BBB (WC) Below BBB (TL)

5 IB Travel Tours (Excluding TP) A & above (WC) A & above (TL) BBB (WC) BBB (Term Loan) IB Caterer (Excluding TP) (Max) (Max) A & above (WC) A & above (TL) BBB (WC) BBB (Term Loan) IB BEML Equip Finance (Above Rs. 50 lac and upto Rs. 300 lac)-excluding TP A & above BBB Below BBB For loans upto Rs. 50 lac, spread may be reduced by 0.50% IB Contractors (Excluding TP) A & above (WC) A & above (TL) BBB (WC) BBB (Term Loan) Trade Finance upto Rs. 2 crore (Priority Sector), d on combined rating, Excluding TP Combined rating A & above BBB Below BBB For other MSME / SLPs which have been discontinued or become invalid (IB Hostel Plus, IB BPO Finance, IB Ayushman, IB ALL CV Auto Star), existing interest structure will continue. 5

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