Please refer to IH&SMEFD Circular No. 06 dated September 10, 2012 on the captioned subject.

2.         It has been decided that effective January 01, 2013, the rates of service charges for banks/DFIs  and rates for end users under the captioned Scheme shall be as under: -

Tenor	Rate of Refinance	Bank’s/DFIs’ Spread	End User’s Rate
Up-to 5 years	8.40%	2.50%	10.90%
Over 5 years and upto 10 years	8.40%	3.00%	11.40%

3.         Other instructions on the subject shall remain unchanged.