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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
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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
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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
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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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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%
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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
  • Existing Units having Limits upto Rs. 5 crore are eligible under the scheme. (In case, if total exposure of unit including this facility (PNB SLC) is above than Rs. 5 crore, guidelines regarding external risk rating shall be are applicable.
  • All Units irrespective of Rating.
  • Account to be standard. SMA-0, SMA-1 & SMA-2 are also eligible under the scheme.
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
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