Bank | Punjab National Bank |
Scheme | PNB ARHATIA |
Description | To provide Working Capital to the Commission Agents/ Arhatia, irrespective of their location enabling them to make advance payment to farmers for supply of inputs as also for buying the output from them.
Supply of inputs (such as fertilizers, pesticides, seeds, cattle feed, poultry feed, agricultural implements and other inputs) to farmers and buying the output from them.
Carrying post harvest activities such as sorting, grading etc. |
Eligibility | Commission Agents/ Arhatia having valid license from the market yard/Board.
All Commission Agents/ Arhatia irrespective of location shall be covered under the scheme. |
Rate of Interest & Repayment | Interest: as per Bank’s policies |
Collateral | Personal guarantee of owner the property as per guidelines |
Composite /loan Limit | Maximum up to Rs. 5.00 Crore |
Margin | NA |
Detail Link | View Link |
PNB TATKAAL
Bank | Punjab National Bank |
Scheme | PNB TATKAAL |
Description | An instant credit for farming community to meet the emergency requirements for Agriculture and Domestic purposes for tiding over temporary difficulties. |
Eligibility | Individual farmers /joint borrowers (not exceeding four farmers) who are existing Kisan Credit Card (KCC) holders having satisfactory track record of at least two years are eligible |
Rate of Interest & Repayment | |
Collateral | |
Composite /loan Limit | Minimum limit: Rs. 1000/Maximum limit: Rs.50000/- (Subject to ceiling at 50% of KCC limit/ 25% of annual income) |
Margin | |
Detail Link | View Link |
PNB UDYOG
Bank | Punjab National Bank |
Scheme | PNB UDYOG |
Description | WORKING CAPITAL: To meet the working capital requirement (including Pre and Post Shipment credit).
TERM LOAN: For acquiring fixed assets like land & factory building, plant and machinery by new enterprises. In case of existing units, for expanding factory accommodation, renovating and modernizing the existing factory with a view to improve the quality or reducing production cost, creating additional infrastructure facilities, like setting up of Research & Development Centres / Testing Laboratories, purchase of vehicle (other than the vehicles meant for personal use) which are required to meet production and marketing needs of the unit etc. |
Eligibility | Individuals / Partnership / Limited Liability Partnership (LLP) / Pvt. Ltd. Co. / Public Ltd. Co/Trust/ Societies & Cooperative Societies (registered and incorporated under applicable law) and are eligible to be categorized as MSME(s) as defined in the MSMED Act 2006.
MSME enterprises having GST Registration No. (wherever applicable) & Udyog Aadhar Number (desirable). |
Rate of Interest & Repayment | As per ROI applicable for MSME Loans
Repayment period shall be maximum of 7 years for Term Loan (including moratorium period) |
Collateral | Advance shall be covered by collaterals covering at least 30% of the exposure (FB+NFB).
The extent of cash margin (in case of Non fund based limit) over and above 15% shall be considered for the computation of collateral coverage. If the Primary Security is in the shape of Land & Building, residual value over and above 135% of the Term Loan O/s shall be treated as collateral security. Where collateral security is not available, facility should be covered under Credit Guarantee Schemes |
Composite /loan Limit | |
Margin | |
Detail Link | View Link |
PNB MAHILA UDYAMI
Bank | Punjab National Bank |
Scheme | PNB MAHILA UDYAMI |
Description |
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Eligibility |
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Rate of Interest & Repayment | Repayment: Term Loan: 3 to 5 years with maximum moratorium period of 3- 6 months depending upon type of activity and income generation.
Overdraft: The limit shall be sanctioned for a period of three years. However, the account will be reviewed on yearly basis and be renewed on every three years. |
Collateral | Primary security: Personal security of the borrower / asset created by the bank finance.
Collateral Security: NIL, to be covered under CGTMSE for eligible activities. |
Composite /loan Limit | Amount of loan has been restricted upto Rs. 10,00,000/- only with purpose to finance for setting up new unit / enterprise or for expansion / modernization of existing unit; for acquisition of fixed assets (Plant & Machinery, equipment, furniture & fixtures); |
Margin | Upto Rs. 2.00 Lakh: Nil
Above Rs. 2.00 Lakh to Rs. 5.00 Lakh: 20% Above Rs. 5.00 Lakh to Rs. 10.00 Lakh: 25% |
Detail Link | View Link |
PNB E-GODAM
Bank | Punjab National Bank |
Scheme | PNB E-GODAM |
Description | Financing against electronic Negotiable Warehouse Receipts issued by Repositories (approved by WDRA) for stocks / goods stored in WDRA accredited warehouses, to source MSME / Agriculture business. |
Eligibility | Farmers, Traders, Processors, Arthiyas, Exporters/ Importers who Are Original Depositors Covering only Non Perishable Agricultural Commodities. |
Rate of Interest & Repayment | As per Credit Risk Rating.
Repayment – Maximum 12 Months |
Collateral | Primary : Pledge of e-NWR duly endorsed in favor of bank issued by Repository for stocks / goods kept in WDRA accredited godowns by Farmers /Traders / Processors etc.
Collateral : Waived. |
Composite /loan Limit | For Individual: Rs. 50,000/- to 50 Lakh.
For Sole Proprietorship concern: Rs. 50,000/- to 25 Crore. For others: Need based. |
Margin | Minimum 25% |
Detail Link | View Link |
PNB STANDBY LINE OF CREDIT
Bank | Punjab National Bank |
Scheme | PNB STANDBY LINE OF CREDIT |
Description | To meet the temporary liquidity mismatch arising out of delayed realization of receivables, receipts of GST Inputs tax credits (including for Exports) and other Business requirements. |
Eligibility |
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Rate of Interest & Repayment | 0.50 % above the sanctioned Cash Credit rate.
✓ ROI for the primary account (originally sanctioned loan) shall not be changed on account of change in collateral coverage after extending PNB SLC. ✓ Penal Interest as applicable to Cash Credit account will be charged, if not repaid within the stipulated period. repayment period of 12months. |
Collateral | Hypothecation of stocks and receivables (GST and other Credit). Extension of charge on the Primary Security / Collateral security |
Composite /loan Limit | |
Margin | Nil |
Detail Link | View Link |