Please refer to SMEFD Circular No.16 dated October 31, 2009 on the captioned subject.

2. It has been decided that effective April 1, 2010 the rates of service charges for Participating Financial Institutions (PFIs) and rates for end users under the captioned Scheme shall be as under: -

Period of financing	Rate of Refinance	PFIs’ Spread	End User’s Rate
Up-to 3 years	8.80%	1.50%	10.30%
Over 3 years and upto 5 years	7.90%	2.50%	10.40%
Over 5 years and upto 10 years	7.50%	3.00%	10.50%

3. Other instructions on the subject shall remain unchanged.