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  • SBH Liquid Gold Plus Card

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    Established in 1941, State Bank of Hyderabad was founded with a vision to be the most preferred and trusted bank in India. With core values like transparency, respect and empathy for customers, commitment to national and social objectives, SBH has brought significant changes in the banking sector. SBH recently introduced SBH Liquid Gold Plus Scheme with an objective to help MSMEs (Micro Small and Medium Enterprises) during financial crisis.

    What is MSMEs?

    MSME stands for Micro, Small and Medium Enterprises. According to MSMED Act 2006, Micro, small and medium business units in Manufacturing and service sector falls under MSMEs. A manufacturing unit is classified under micro, small and medium enterprise based on the investment made on plant and machinery.

    Manufacturing units with less than Rs.25 lakhs investment on plant and machinery is called a Micro unit. Business unit with above Rs.25 lakhs and below Rs.5 crores is called small business unit and enterprises with more than Rs.5 crores investment on plant and machinery is called medium business enterprise.

    Under service sector, businesses are classified based on the investment in equipment. The investment on equipment doesn’t exceed Rs.10 lakhs for micro unit. Investment on equipment more than Rs.10 lakh and less than Rs. 2 crores is Small enterprise and a medium enterprise has investment on equipment more than Rs.2 crores but less than Rs.5 crores.

    MSMEs in India face financial crisis very frequently. To strengthen the financing aid extended to MSMEs in India, SBH introduced SBH Liquid Gold Plus Scheme.

    Features of SBH Liquid Gold Plus Scheme:

    • MSME schemes offered by State Bank of Hyderabad is customised to match the business needs.
    • Gold loans are offered in the form of Demand loan or overdraft.
    • Loan up to Rs.25 lakhs are granted.
    • Flexible repayment period of up to 18 months.
    • Gold of 22 carat gold or more is accepted.

    You are eligible to apply for SBH Liquid Gold Plus Scheme if:

    • You are a MSME customer with well-maintained current or loan account with State Bank of Hyderabad.
    • You are a new customer with proper introduction.
    • You are a new customer meeting the KYC norms set by the bank.

    Special services offered to MSME borrowers

    • State Bank of Hyderabad also offers other special benefits to MSMEs borrower like:
    • MSME can apply for loan online without visiting the bank.
    • Simple project appraisal for speedy sections
    • The working capital is decided as per the Nayak committee recommendation which is usually 20% of the estimated sales turnover or according to the traditional method, whichever is higher.
    • State Bank of Hyderabad also offers free counselling to budding entrepreneurs.
    • Loan up to Rs.10 lakhs doesn’t require collateral security. Loans above Rs.10 lakh and up to Rs.50 lakhs requires collateral but that can be waived based on the borrower's track record.
    • Project appraisal and validation considers technical feasibility, economic and commercial viability of the project.

    How can you apply for SBH Liquid Gold Plus Scheme?

    You can apply for SBH Liquid Gold Plus by visiting SBH website. For a quick comparison between SBH Liquid Gold Plus scheme and other MSME schemes available in the market, you can visit


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