WIXLIB

Main Schemes Promoted by Punjab NationalBank

SchemeDetails / PurposePMSVANIDHIi) To facilitateworking capitalTerm loan up toRs. 10,000ii) To incentivizeregular repaymentiii) To rewarddigitaltransactionsEligibilityLoanAmountAll street vendorsengaged in vendingin urban areas ason or beforeMarch 24, 2020subject to havingCertificate ofVending / IdentityCard issued byUrban Local Bodies(ULBs).MaximumRs.10000/- AsWorkingCapitalTerm Loan(WCTL)Rate ofInterestRLLR Spread(0.15%) tSubsidySecurity7%,NILavailable Enhancement of limit onnext cycle ofWCTL ontimelyrepayment ofloan.* Monthlycash back forDigitaltransactionsMonthly cashback for digitaltransactions:v On first 50EligibleTransactions Rs.50.00v Next 50Eligibletransactions upto 100 Rs.25.00v Next 100 ormore eligibletransactions Rs.25.00(Eligibletransactionsmeans digitalpayout orreceipt ofminimum Rs.25)

SchemePNB EGODAMDetails / PurposeFinancing againstelectronicNegotiableWarehouseReceipts issued byRepositories(approved byWDRA) for stocks/ goods stored inWDRAaccreditedwarehouses, tosource MSME /Agriculturebusiness.EligibilityFarmers, Traders,Processors,Arthiyas,Exporters/Importers who AreOriginal DepositorsCovering only NonPerishableAgriculturalCommodities.LoanAmountFor SoleProprietorshipconcern:Rs.50,000/- to25 Crore.For others:Needbased.Rate ofInterestAs perCredit RiskRating.MarginMargin :25% ofProjectCostInterestSubsidyNilSecurityPrimary :Pledge ofe-NWRdulyendorsedin favorof bankissued byRepository forstocks /goodskept inWDRAaccreditedgodownsbyFarmers/Traders /Processors etc.Collateral: nalchargeshave tobebornebyborrowersdepending uponquantum ofloan.Incentives/BenefitNILAdditionaldetails

SchemeDetails / PurposeEligibilityLoanAmountRate ofInterestAs perCredit RiskRating.PNB WeaverMudraScheme(WMS)For workingcapitalrequirements(W.C.R.) of theweaver.Existing HandloomWeavers areeligible who arehaving satisfactoryCIBIL score above650.MaximumWorkingCapitalLimit : Rs.5.00 lakh.(Inclusiveof MudraCredit cardof Rs.50,000/-)PNB MahilaUdyamiScheme to providefunding support towomenentrepreneurswho are engagedin SSIs wherein noAny individualwomen/ womenentrepreneur (s)/Enterprise wherewomenentrepreneurs holdMAXIMUMTerm Loan/ EorkingCapitalLimit Rs. 10lacMarginMargin :20% ofProjectCost(Providedas pothetical ofstocksandassignment ofreceivables notolderthanthreemonths isrequired.CGTMSECoverageNILPersonalsecurityof theborrower/ MSEFees:LoansuptoRs.50000/- :0.25% ofloanamountbyGovt.,for 3years.LoansaboveRs.50000/-&uptoRs.5lakh ByGovt.for 3yrs.Net Margin isNil afterclaimingSubsidy ofMinistry ofTextiles (GoIScheme)NILAdditionaldetailsMargin moneysubsidy @20%of loan, Max.Rs.10000/-, byMoT, GoI.

SchemePNB SevaDetails / PurposeEligibilitycollateral securityis to be submittedby the womenentrepreneurs tostart their ownbusinessnot less than 50%of financialholding.* Cash Credit oroverdraft is givenas per the natureof the business tomeet the WorkingCapitalrequirement* Term loan foracquiring fixedassets* Composite loanexpansion ofexistingoffices/workplaceand to meet theAny individuals /Partnership /Limited LiabilityPartnership /Private LimitedCompany / PublicLimited Company/Trust and Cooperative Societiesregistered underany cooperativesocieties engagedin the rendering ofservice and arecategorised asMicro, Small andLoanAmountNeedbasedfinancingRate ofInterestAs per ROIapplicablefor MSMEloansMarginTermLoans /Limit uptoRs. 2 Lac :NILTermLoans /Limitabove Rs.2 Lac uptoRs. 5 Lac :20%TermLoans /Limitabove Rs.InterestSubsidyNILSecurityby thebankfinance.Collateralsecurity:NIL, to ecurity:MortgageorHypothetical ofstocksandassignment ofreceivables notolderthanthreemonths efitNILAdditionaldetailsMoritoriumPeriod: Needbased.Maximum upto6 months.Interest to beserviced as andwhen nce shallbe covered by

SchemeDetails / PurposeWorking nAmountRate ofInterestMargin5 Lac rity:In respectof MSMEadvance,thecollateralsecurityor thirdpartyguarantee isrequiredas per thenormsmentioned below:In casethe landorbuildinghas beenfinancedandmortgaged /BenefitAdditionaldetailscollateralcoverage of atleast 40% of thetotal exposure(FB NFB). Theextent of cashmargin (In caseof Non fundbased limits)over and above15%, shall beconsidered forthecomputation ofcollateralcoverage.If the PrimarySecurity is in theshape of Land &Building,Residual Valueover and above135% of theTerm Loan O/sshall be treatedas collateralsecurity.

SchemeDetails / PurposeEligibilityLoanAmountRate vingtherealisablevalue ofequivalent to 133%of totalexposure,noadditionalcollateralsecurity isrequired.If there isanyshortfallin thesecurity,additionalcollateralin theform ceChargesIncentives/BenefitAdditionaldetailsWhere collateralsecurity is notavailable, facilitymay be coveredunder CreditGuaranteeSchemes i.e.CGTMSE, CGSSIas perguidelines.PersonalGuarantee ofpromoters /directors /Partners/Trustees/Members of thesociety/ etc. asapplicable shallbe obtained asper Bank'sPolicy guidelines

SchemeDetails / PurposeEligibilityLoanAmountRate ofInterestMarginInterestSubsidySecurityproceedings willbe taken.In casethe landorbuildingis notmortgaged withthe bank(if plant &machinery areconsidered for theloan) thecollateralsecurity isadded byway ofmortgageofimmovableproperties or BenefitAdditionaldetails

SchemeDetails / PurposeEligibilityLoanAmountRate tailsguarantee.PNB UdyogSchemeWorking Capital:To meet theworking capitalrequirement(including Preand Post Shipmentcredit).Term Loan: Foracquiring fixedassets like land &factory building,Individuals /Partnership /Limited LiabilityPartnership (LLP) /Pvt. Ltd. Co. /Public Ltd.Co/Trust/ Societies& CooperativeSocieties(registered andincorporatedunder applicableNeedbasedfinancingAs per ROIapplicablefor MSMELoansTermLoans /Limit uptoRs. 2 Lac :NILTermLoans /Limitabove Rs.2 Lac :25%TermNILHypothecation ofAssets i.e.Stock,Receivables, P &M,Vehiclesetc.createdout ofBankCGTMSECoverageNILMoritoriumPeriod: Max 12monthsExtension inrepaymentperiod beyond 7years may beallowed by nexthighersanctioningauthority on themerit of the

SchemeDetails / Purposeplantand machinery bynew enterprises.Eligibilitylaw) and areeligible to becategorized asMSME(s) asdefined in theMSMED Act 2006.MSME enterpriseshaving GSTRegistration No.(whereverapplicable) &Udyog AadharNumber(desirable).LoanAmountRate ofInterestMarginLoans (Oldmachinesupto 3Years) :25%TermLoans (Oldmachinesabove 3Years) e).If thePrimarySecurityis in theshape ofLand &Building,residualvalueover andabove135% ofthe TermLoan security terest to beserviced duringthe moratoriumperiod as andwhen due.

SchemePNBSanveejaniLoanSchemeDetails / PurposeTo meet thefinancialrequirements forsetting up of new/expansion/renovation/modernization ofNursing Home/Clinic / Hospital /VeterinaryHospital /Infrastructure forMedical TourismincludingPathologicalLaboratory,Diagnostic centresetc.EligibilityAll entities, i.e.MSMEs,Enterprises,Association ofpersons,Partnership firms,LLPs, PrivateLimitedCompanies, Trusts,and Societiesengaged inproviding medicalincludingveterinary /diagnostic services/ to the Societyhaving validlicense. TheminimumLoanAmountTerm Loan:MaximumRs. 5.00CroreOverdraft:MaximumRs. 2.00CroreRate ofInterestOne-yearMarginalCost ofFundsbasedLendingRate(MCLR) BusinessStrategySpread(BSS) StrategicPremiumMarginMargin :20% othecation ofentireequipment,Current &Noncurrentassets ofthe unit.Mortgageof ProjectLand withexisting eChargesIncentives/BenefitNilAdditionaldetails25% foracquisition ofpremises and/orexpansion/renovation/modernizationof existingpremises.15% forpurchase ofequipment/machinery/ costof onroadvehicles/for Ambulance/Other VehicleIn case of

SchemeDetails / PurposeEligibilityqualification isMBBS, BAMS, BDS,BHMSLoanAmountRate Minimum25%collateralsecurityshall beobtainedin theform ofimmovableproperty/ alue oftheprimarysecurityin theshape ofLand Additionaldetailspurchase of landmargin shouldbe minimum of50% of the costof land(including costof registration).However, loanamount for thepurchase of theland shall not bemore than 50%of the total termloan amountsanctioned

SchemeDetails / PurposeEligibilityLoanAmountRate gaged is morethan110%ofthetotalexposure.PNB General The objective ofCredit Cardthe scheme is to(GCC)increase the flowof credit toindividuals forentrepreneurialactivity in the nonfarm sectorprovided throughthe General CreditCard.All non-farmentrepreneurialcredit extended toindividuals which iseligible forclassification underthe priority sectorguidelines.The needbased limitbe fixedwith amaximumof Rs.10.00 Lakh,on case tocase basis,afteranalyzingcreditneeds andrepayingcapacity oftheborrower.As perbankguidelinesMargin :20% ofProjectCost onDP basisNilPrimarySecurity:Personalsecurityof theborrower/ assetcreatedby thebankfinance.CollateralSecurity:NIL, to details

SchemeDetails / PurposeEligibilityLoanAmountRate vities.PNB SatkarSchemeTo meet creditrequirements topurchase land &building and/ orset up a unit forbusiness of Hotels/ Restaurants /Lodges/ Guest Houses /Motels / Dhabas /Pizza Centres(Franchises) /Mess / Canteen /Catering Services /ServiceApartments (aservicedapartment is afully furnishedapartmentavailable for bothshort-term as wellas long-term stays,Individual,Proprietorship /Partnership firms,Limited LiabilityPartnerships(LLPs), Private /Public Ltd. Cos.Units under MSMEin Service sectorwith originalinvestment inequipments notexceeding Rs. 5.00Crores.Units must havevalid license(s),whereverapplicable, toestablish &conduct suchbusiness byMunicipal/LocalAdministration.Term Loan:Maximumupto Rs.10.00CroreOverdraft:Maximumoverdraftlimit up toRs. 50.00lac.TotalCumulativeExposure:Rs.10.00croreAs perBank'sguidelinesTermLoans /Limit :25% ofCost ofProject(Marginforpurchaseof land :50%)NilPrimary:Hypothecation ofentireequipment,Current &Noncurrentassets ofthe unitpurchased out ofthe BankFinance.Mortgageof Land &Buildingwithexisting /futureconstructionNilNilAdditionaldetails

SchemeDetails / Purposeproviding all thehotel-likeamenities, such ashaving roomservice, a fitnesscentre, a laundryroom, and/or arecreation room) /Banquets / CoffeeShop / food andbeverage jointswithentertainment /Gaming permittedby law etc. run bythemselves.EligibilityLoanAmountRate lateral:Advanceunderthisschememust becoveredbycollateralscoverageof at least40% oftheexposure(FB NFB).However,if thePrimarySecurityis in theshape ofLand gesIncentives/BenefitAdditionaldetails

SchemeDetails / PurposeEligibilityLoanAmountRate tailsover andabove135% ofthe TermLoanoutstanding hemeTo provideWorking Capital /Overdraftassistance (fundbased/ non fundbased) in the formof running limit,Letter of Credit,Bank Guaranteefor meetingworking capitalneeds and TermLoan forIndividual,Proprietorship,Partnership firms/LLP/ Private /Public Ltd. Cos.,falling within thedefinition of MSMEas per MSMED Act,2006.Needbased.However,interchangeabilityfrom FundBasedWorkingCapital(FBWC)limit toBG/LC maybeAs perBank'sguidelinesFor TermLoan:Minimum25%margin onequipments/ Plant &Machinery/ cation ofentireequipment/currentassetsandnoncurrent assets(Present& Future)Personalguaranteeshouldbeobtained in linewithextentguidelines ofNilHowever, ahighermoratoriumperiod may beallowed by nexthighersanctioningauthorityin deservingcases.

SchemeDetails / Purposepurchase ofequipments/Vehicles/ Plant &Machinery/ anyother legitimateassets to thecontractors/ subcontractors usedfor their businessEligibilityLoanAmountpermittedby thesanctioningauthorityup to 25%of thesanctionlimit.Rate ofInterestMargin20%margin um,RTO Taxand otherincidentalcharges incase SubsidySecurityof theunit.Collateral:Minimum75% oftheexposure(Fundbasedand NonFundbased) byway nalguarantee shouldbeobtainedin ntives/BenefitAdditionaldetails