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Punjab National Bank

PNB MAHILA UDYAMI

Bank Punjab National Bank
Scheme PNB MAHILA UDYAMI
Description
  • To empower and encourage women for income generation for activities either in manufacturing/ service/ trading/ small business etc.
  • 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)
  • To meet working capital needs for purchase of various products /equipments/tools etc. to meet their day to day requirements.
Eligibility
  •  Any individual women/ women entrepreneur (s)/ Enterprise where women entrepreneurs hold not less than   50% of financial holding.
  • However, preference will be given to women belonging to ST/SC/BPL Card Holders.
  • Preference will be given to the categories of women entrepreneurs trained in R-SETIs/ Skill Development Institutions etc. any other training institute.
  • Not a defaulter to any Bank / Financial Institution.
  • Loan facility availed by the beneficiaries under Govt. sponsored scheme are not eligible under PNB MAHILA UDYAMI
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%

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