Main Schemes Promoted by Punjab National

Bank
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
PM i) To facilitate All street vendors Maximum RLLR + Nil 7%, NIL CGTMS NIL * Monthly cash
SVANIDHI working capital engaged in vending Rs.10000/- Spread availa E Enhancemen back for digital
Term loan up to in urban areas as - As (0.15%) + ble on Coverag t of limit on transactions:
Rs. 10,000 on or before Working Service quart e next cycle of v On first 50
ii) To incentivize March 24, 2020 Capital Charge erly WCTL on Eligible
regular repayment subject to having Term Loan (4%) basis timely Transactions =
iii) To reward Certificate of (WCTL) (Presently repayment of Rs.50.00
digital Vending / Identity 10.80%) loan. v Next 50
transactions Card issued by * Monthly Eligible
Urban Local Bodies cash back for transactions up
(ULBs). Digital to 100 =
transactions Rs.25.00
v Next 100 or
more eligible
transactions =
Rs.25.00
(Eligible
transactions
means digital
payout or
receipt of
minimum Rs.
25)
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
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PNB E- Financing against Farmers, Traders, As per Margin : Nil Primary : Nil Concessi NIL
GODAM electronic Processors, For Sole Credit Risk 25% of Pledge of onal
Negotiable Arthiyas, Proprietors Rating. Project e-NWR charges
Warehouse Exporters/ hip Cost duly have to
Receipts issued by Importers who Are concern: endorsed be
Repositories Original Depositors Rs. in favor borne
(approved by Covering only Non 50,000/- to of bank by
WDRA) for stocks Perishable 25 Crore. issued by borrowe
/ goods stored in Agricultural For others: Repositor rs
WDRA Commodities. Need y for dependi
accredited based. stocks / ng upon
warehouses, to goods quantu
source MSME / kept in m of
Agriculture WDRA loan.
business. accredite
d
godowns
by
Farmers/
Traders /
Processor
s etc.
Collateral
: Waived.
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
PNB Weaver For working Existing Handloom Maximum As per Margin : Intere Primary CGTMS CGTMSE Net Margin is Margin money
Mudra capital Weavers are Working Credit Risk 20% of st Security: E Fees: Nil after subsidy @20%
Scheme requirements eligible who are Capital Rating. Project Subsi Mortgage Coverag Loans claiming of loan, Max.
(WMS) (W.C.R.) of the having satisfactory Limit : Rs. Cost dy or e upto Subsidy of Rs.10000/-, by
weaver. CIBIL score above 5.00 lakh. (Provided shall Hypotheti Rs.5000 Ministry of MoT, GoI.
650. (Inclusive as Subsidy be cal of 0/- :- Textiles (GoI
of Mudra by the stocks 0.25% of Scheme)
Credit card Ministry Intere and loan
of Rs. of st assignme amount
50,000/-) Textiles) Charg nt of by
ed receivabl Govt.,
over es not for 3
and older years.
above than Loans
6% three above
months is Rs.5000
required. 0/-&
upto
Rs.5
lakh By
Govt.
for 3yrs.
PNB Mahila Scheme to provide Any individual MAXIMUM NIL Personal NIL NIL
Udyami funding support to women/ women Term Loan security
women entrepreneur (s)/ / Eorking of the
entrepreneurs Enterprise where Capital borrower
who are engaged women Limit Rs. 10 / asset
in SSIs wherein no entrepreneurs hold lac created
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
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Amount Interest Subsi Coverag Charges Benefit details
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collateral security not less than 50% by the
is to be submitted of financial bank
by the women holding. finance.
entrepreneurs to Collateral
start their own security:
business NIL, to be
covered
under
CGTMSE
for
eligible
activities.
PNB Seva * Cash Credit or Any individuals / Need As per ROI Term NIL Primary NIL NIL Moritorium
overdraft is given Partnership / based applicable Loans / Security: Period: Need
as per the nature Limited Liability financing for MSME Limit upto Mortgage based.
of the business to Partnership / loans Rs. 2 Lac : or Maximum upto
meet the Working Private Limited NIL Hypotheti 6 months.
Capital Company / Public Term cal of Interest to be
requirement Limited Company/ Loans / stocks serviced as and
* Term loan for Trust and Co- Limit and when due,
acquiring fixed operative Societies above Rs. assignme during
assets registered under 2 Lac upto nt of moratorium
* Composite loan any cooperative Rs. 5 Lac : receivabl period.
expansion of societies engaged 20% es not
existing in the rendering of Term older Collateral
offices/workplace service and are Loans / than Security:
and to meet the categorised as Limit three Advance shall
Micro, Small and above Rs. months is be covered by
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
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Working Capital Medium 5 Lac : required. collateral
requirement Enterprises. 25% Collateral coverage of at
Security: least 40% of the
In respect total exposure
of MSME (FB+NFB). The
advance, extent of cash
the margin (In case
collateral of Non fund
security based limits)
or third over and above
party 15%, shall be
guarante considered for
e is the
required computation of
as per the collateral
norms coverage.
mentione
d below: If the Primary
In case Security is in the
the land shape of Land &
or Building,
building Residual Value
has been over and above
financed 135% of the
and Term Loan O/s
mortgage shall be treated
d as as collateral
primary security.
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
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Amount Interest Subsi Coverag Charges Benefit details
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security,
having Where collateral
the security is not
realisable available, facility
value of may be covered
equivalen under Credit
t to 133% Guarantee
of total Schemes i.e.
exposure, CGTMSE, CGSSI
no as per
additional guidelines.
collateral
security is Personal
required. Guarantee of
If there is promoters /
any directors /
shortfall Partners/
in the Trustees/
security, Members of the
additional society/ etc. as
collateral applicable shall
in the be obtained as
form of per Bank's
liquid Policy guidelines
security
or
insolvenc
y
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
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proceedi
ngs will
be taken.
In case
the land
or
building
is not
mortgage
d with
the bank
(if plant &
machiner
y are
considere
d for the
loan) the
collateral
security is
added by
way of
mortgage
of
immovabl
e
propertie
s or 3rd
party
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
guarante
e.

PNB Udyog Working Capital: Individuals / Need As per ROI Term NIL Hypothec CGTMS NIL Moritorium
Scheme To meet the Partnership / based applicable Loans / ation of E Period: Max 12
working capital Limited Liability financing for MSME Limit upto Assets i.e. Coverag months
requirement Partnership (LLP) / Loans Rs. 2 Lac : Stock, e Extension in
(including Pre Pvt. Ltd. Co. / NIL Receivabl repayment
and Post Shipment Public Ltd. Term es, P & period beyond 7
credit). Co/Trust/ Societies Loans / M, years may be
& Cooperative Limit Vehicles allowed by next
Term Loan: For Societies above Rs. etc. higher
acquiring fixed (registered and 2 Lac : created sanctioning
assets like land & incorporated 25% out of authority on the
factory building, under applicable Term Bank merit of the
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
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Amount Interest Subsi Coverag Charges Benefit details
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plant law) and are Loans (Old finance proposal.
and machinery by eligible to be machines (present However,
new enterprises. categorized as upto 3 and interest to be
MSME(s) as Years) : future). serviced during
defined in the 25% If the the moratorium
MSMED Act 2006. Term Primary period as and
MSME enterprises Loans (Old Security when due.
having GST machines is in the
Registration No. above 3 shape of
(wherever Years) : Land &
applicable) & 30% Building,
Udyog Aadhar residual
Number value
(desirable). over and
above
135% of
the Term
Loan shall
be
treated
as
collateral
security.
Where
collateral
security is
not
available,
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
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Amount Interest Subsi Coverag Charges Benefit details
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facility
should
be
covered
under
Credit
Guarante
e
Schemes
PNB To meet the All entities, i.e. Term Loan: One-year Margin : Nil Primary: Nil 25% for
Sanveejani financial MSMEs, Maximum Marginal 20% of Hypothec acquisition of
Loan requirements for Enterprises, Rs. 5.00 Cost of Project ation of premises and/or
Scheme setting up of new/ Association of Crore Funds- Cost entire expansion/
expansion/ persons, Overdraft: based equipme renovation/
renovation/ Partnership firms, Maximum Lending nt, modernization
modernization of LLPs, Private Rs. 2.00 Rate Current & of existing
Nursing Home/ Limited Crore (MCLR) + Non- premises.
Clinic / Hospital / Companies, Trusts, Business current
Veterinary and Societies Strategy assets of 15% for
Hospital / engaged in Spread the unit. purchase of
Infrastructure for providing medical (BSS) + Mortgage equipment/
Medical Tourism including Strategic of Project machinery/ cost
including veterinary / Premium Land with of on
Pathological diagnostic services existing / roadvehicles/
Laboratory, / to the Society future for Ambulance/
Diagnostic centres having valid constructi Other Vehicle
etc. license. The on
minimum thereon. In case of
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
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qualification is Collateral purchase of land
MBBS, BAMS, BDS, : margin should
BHMS Minimum be minimum of
25% 50% of the cost
collateral of land
security (including cost
shall be of registration).
obtained However, loan
in the amount for the
form of purchase of the
immovabl land shall not be
e more than 50%
property of the total term
/ liquid loan amount
security. sanctioned
No
collateral
is
required
if
realizable
value of
the
primary
security
in the
shape of
Land &
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
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Amount Interest Subsi Coverag Charges Benefit details
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Building
mortgage
d is more
than
110%
ofthe
total
exposure.

PNB General The objective of All non-farm The need As per Margin : Nil Primary CGTMS Nil
Credit Card the scheme is to entrepreneurial based limit bank 20% of Security: E
(GCC) increase the flow credit extended to be fixed guidelines Project Personal Coverag
of credit to individuals which is with a Cost on security e
individuals for eligible for maximum DP basis of the
entrepreneurial classification under of Rs. borrower
activity in the non- the priority sector 10.00 Lakh, / asset
farm sector guidelines. on case to created
provided through case basis, by the
the General Credit after bank
Card. analyzing finance.
credit Collateral
needs and Security:
repaying NIL, to be
capacity of covered
the under
borrower. CGTMSE
for
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
eligible
activities.

PNB Satkar To meet credit Individual, Term Loan: As per Term Nil Primary: Nil Nil
Scheme requirements to Proprietorship / Maximum Bank's Loans / Hypothec
purchase land & Partnership firms, upto Rs. guidelines Limit : ation of
building and/ or Limited Liability 10.00 25% of entire
set up a unit for Partnerships Crore Cost of equipme
business of Hotels (LLPs), Private / Overdraft: Project nt,
/ Restaurants / Public Ltd. Cos. Maximum (Margin Current &
Lodges Units under MSME overdraft for Non-
/ Guest Houses / in Service sector limit up to purchase current
Motels / Dhabas / with original Rs. 50.00 of land : assets of
Pizza Centres investment in lac. 50%) the unit
(Franchises) / equipments not Total purchase
Mess / Canteen / exceeding Rs. 5.00 Cumulative d out of
Catering Services / Crores. Exposure: the Bank
Service Units must have Rs.10.00 Finance.
Apartments (a valid license(s), crore Mortgage
serviced wherever of Land &
apartment is a applicable, to Building
fully furnished establish & with
apartment conduct such existing /
available for both business by future
short-term as well Municipal/Local constructi
as long-term stays, Administration. on
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
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Amount Interest Subsi Coverag Charges Benefit details
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providing all the thereon.
hotel-like Collateral
amenities, such as :
having room Advance
service, a fitness under
centre, a laundry this
room, and/or a scheme
recreation room) / must be
Banquets / Coffee covered
Shop / food and by
beverage joints collateral
with s
entertainment / coverage
Gaming permitted of at least
by law etc. run by 40% of
themselves. the
exposure
(FB+NFB).
However,
if the
Primary
Security
is in the
shape of
Land &
Building
Residual
Value
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
over and
above
135% of
the Term
Loan
outstandi
ng shall
be
treated
as
collateral
security.

PNB To provide Individual, Need As per For Term Nil Primary: Persona Nil However, a
Contractor Working Capital / Proprietorship, based. Bank's Loan: Hypothec l higher
Scheme Overdraft Partnership firms/ However, guidelines Minimum ation of guarant moratorium
assistance (fund LLP/ Private / interchang 25% entire ee period may be
based/ non fund Public Ltd. Cos., eability margin on equipme should allowed by next
based) in the form falling within the from Fund equipmen nt/ be higher
of running limit, definition of MSME Based ts/ Plant & current obtaine sanctioning
Letter of Credit, as per MSMED Act, Working Machinery assets d in line authority
Bank Guarantee 2006. Capital / any and with in deserving
for meeting (FBWC) other noncurre extent cases.
working capital limit to legitimate nt assets guidelin
needs and Term BG/LC may assets. (Present es of
Loan for be Minimum & Future)
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
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purchase of permitted 20% of the the
equipments/ by the margin on unit. Bank
Vehicles/ Plant & sanctioning Transport Collateral
Machinery/ any authority Vehicles, :
other legitimate up to 25% i.e., Minimum
assets to the of the inclusive 75% of
contractors/ sub- sanction of the
contractors used limit. insurance exposure
for their business premium, (Fund
RTO Tax based
and other and Non-
incidental Fund
charges in based) by
case of way of
new Mortgage
vehicles. of
For Immovabl
Working e
Capital: property/
Minimum liquid
25% security.
Personal
guarante
e should
be
obtained
in line
with
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
extent
guideline
s of the
Bank.

PNB Need-based term The borrower Term Loan 1-year Loans up Nil The CGTMS Nil
Professional loans and working should be / Working MCLR of to Rs. 2 Prime E
Loan capital loans professionally Capital Punjab lakh: No Security Coverag
Scheme provided to qualified under: Limit : National margin is for this e
professionals for Engineering & Maximum Bank + charged loan are
purchase or Technical Rs. 25 Lac Strategic on loans assets
construction of Education, Premium up to Rs. 2 created
office, purchase or Business lakh out of the
upgrade of Management, Loans loan
equipment, Media & Above Rs. amount.
expansion of unit, Journalism, Law, 2 lakh: Personal
etc Foreign Language, Punjab guarante
Computer, National e of
Animation, Bank takes partners,
Designing, Fine a 25% promoter
Arts, CA, ICWA, CS, margin for s or
etc. these directors
loans is also
required
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
Collateral
Security
for Loans
up to Rs.
10 lakh:
CGTMSE
coverage
is
required
Collateral
Security
for Loans
not
Covered
under
CGTMSE:
Collateral
by way of
land and
building
equivalen
t to at
least
100% of
loan
amount
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
PNB VANITA To ensure Any women The Nil Nil Primary CGTMS
Scheme employment engaged in maximum Security: E
opportunities for manufacturing/ser quantum Personal Coverag
women and vice/trading/small of security e
enable them to business activities assistance of the
become self- are eligible to under PNB borrower
employed apply for this Vanita or asset
entrepreneurs. scheme. Scheme created
To meet working Any women will be by bank
capital belongs to the Rs.25,000 finance is
requirements for category of for setting received
the purchase of SC/ST/Below up new as the
various Poverty Line (BPL) unit/enterp primary
products/types of can avail loan rise or security.
equipment/tools under PNB Vanita expansion Collateral
etc. scheme. or Security:
modernizat No
ion of collateral
existing or
unit. guarantor
is needed
as the
loan will
be
covered
under
CGTMSE
for
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
eligible
activities.

PNB To meet the Any individuals / No Term Nil Primary Nil

NIRMATA working capital Partnership firm / Maximum Loans / Security:
Scheme requirements of Private Limited Limit Limit Up The
the MSME Company /Limited to Rs. 2 mortgage
manufacturing Liability lakhs : NIL or
units against the Partnership/ Public Term hypotheti
cost of raw Limited Company/ Loans / cal of
material, Co-operative Limit up to stocks
components, Societies and trust Rs. 5 lakhs and
spares, stores, registered under : 20% assignme
processing of raw any cooperative Term nt of
materials, societies engaged Loans / receivabl
marketing of in manufacturing limit es not
finished products, and are Above Rs. older
etc and for categorised as 5 lakhs : than
acquisition of fixed Micro, Small and 25% three
assets for setting Medium months is
up new units and Enterprises are needed.
for expansion, eligible to apply for Collateral
modernisation PNB Nirmata. Security:
and diversification The
of existing units. collateral
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
security
or third
party
guarante
e is
required
as per the
norms
listed
below:
In case
the
building
or land
has been
financed
and
mortgage
d as
primary
security,
having
the value
equivalen
t to 133%
of total
exposure,
no
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
additional
security is
needed.
If there is
any due
or
shortfall
in the
security,
additional
collateral
in the
form of
liquid
security
or
insolvenc
y
proceedi
ngs will
be
required.
In case
the
building
or land is
not
mortgage
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
d with
the bank,
then the
collateral
security
will be
added by
way of
mortgage
of
immovabl
e
propertie
s or third
party
guarante
e.
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
PNB GREEN To assist transport * An individual, For New E- One-year For New Nil Primary : CGTMS Nil
RIDE operators of e- transport operator, Rickshaw: Marginal E- Vehicle E
Scheme (e- rickshaws (new an association,Sole a) Cost of Rickshaw: purchase Coverag
Rickshaw entrants) and to Proprietor, Maximum Funds- a) d with e
Loan create Partnership firms, 85% loans based Minimum the
Scheme) employment Private Ltd. of the Lending 15% of the amount
opportunities for Companies, Public invoice Rate invoice of the
the micro Ltd. Companies cost of the (MCLR) + cost of the loan will
borrowers desirous of owning vehicle .or Business vehicle or remain
particularly transport vehicle(s) 80% of On Strategy 20% of On hypothec
viz. E-Rickshaw, for road price, Spread road price, ated to
carrying whichever (BSS) + whichever the bank
passengers or less. Credit Risk higher. as
goods on hire, are b) Battery Premium security
eligible for replaceme of the
financing under nt after advance
the Scheme. one year - Collateral
* The borrower (s) 85% of : For
hold the necessary replaceme Loans up
driving license or nt cost to Rs. 10
engage driver (s) c) Battery lakh:
possessing valid replaceme No
license to operate nt after collateral
the type of vehicle two years - & third
for which credit is 85% of party
sought. replaceme Guarante
* The borrower(s) nt cost e and
should have been these
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
granted a permit loans are
by an appropriate to be
authority to ply covered
vehicle(s) for under
passengers or Credit
goods Guarante
transportation. e Scheme
* The vehicle to be of
financed must be CGTMSE
allowed to ply
commercially as
per the laws of
that particular
State and vehicle
must be
indigenous.
Guaranteed ü Working Capital ü All Business ü Pre- RLLR + NA ü ü WCTL
Emergency Term Loan Enterprises/MSME approved 1.00% Extension facility
Credit Line ü A separate loan borrower accounts loan upto subject to of Charge extende
(GECL) account shall be with combined 20% of the maximum on entire d under
opened for the outstanding loans total of 9.25% present the
borrower, distinct across all Banks/ outstandin and scheme
from the existing FIs of up to ₹ 25.00 g loans of future shall be
loan account(s) Crore as on eligible current covered
29.02.2020 and borrowers assets of under
annual turnover of up to ₹ the firm/ guarant
up to ₹ 100.00 25.00 company ee
Crore for FY 2019- Crore as on shall be coverag
20 are eligible 29th done. e
under the Scheme. February, ü The provide
ü In case accounts 2020 i.e. additional d by
for the FY 2019-20 loan WCTL NCGTC.
are yet to be amount granted No
audited/finalized, maximum shall rank Guarant
declaration of of ₹5.00 pari ee Fee
turnover from the Crore, passu shall be
borrower shall be subject to with the charged
obtained the existing from
ü Loans covered borrower credit the
under Pradhan meeting all facilities borrow
Mantri Mudra the in terms er for
Yojana (PMMY) eligibility of cash the
extended on or criteria. flows Credit
before 29.02.2020 However, and facilities
and reported on the security, provide
the MUDRA portal amount of with d under
are also eligible. loan may charge on the
ü Respective be decided the assets Scheme
sanctioning in financed .
authorities are consultatio under the ü
required to check n with the Scheme NCGTC
with credit bureau borrower to be shall
for assessing as per his created provide
overall outstanding requireme within a 100%
of the borrower nt. period of Guarant
across the all ü Total three ee
Banks/FIs to assess Outstandin months coverag
the eligibility of the g Amount from the e on the
borrower. would date of outstan
ü The Scheme is comprise disbursal. ding
valid for existing of the ü No amount
customers. onbalance additional for the
Borrower accounts sheet collateral credit
should be less than exposure shall be facility
or equal to 60 days such as obtained provide
past due as on outstandin for d
29th February, g amount additional under
2020 in order to be across funding the
eligible under the Working under the Scheme
Scheme i.e. all Capital scheme. as on
borrowers which Loan, Term However, the
have not been Loan and additional date of
classified as SMA 2 WCTL funding NPA.
or NPA by any of loans. Off- under the Howeve
the Banks/FIs as on balance scheme r, it is
29th February, sheet and will be require
2020 are eligible non-fund secured d to
under the Scheme. based through inform
Days Past Due exposures Guarante the
status as on will be e date on
29.02.2020 to be excluded Coverage which
checked by the while the
sanctioning arriving at from account
authority from total NCGTC. was
Credit Bureau. outstandin classifie
ü Business g amount. d as
Enterprises / NPA
MSME borrowers within
must be GST 90 days
registered in all of the
cases where such account
registration is being
mandatory. classifie
However, this d as
condition will not NPA.
apply to Business ü The
Enterprises / NCGTC
MSMEs which are shall
exempted from pay
GST registration. 75% of
ü For loans having the
co-applicant, only guarant
those existing eed
loans where entity amount
is the primary co- within
applicant are 30 days
covered under the of
Scheme for preferri
additional ng of
emergency eligible
funding. claim by
the
Bank,
subject
to the
claim
being
otherwi
se
found
in order
and
complet
e in all
respect
s. The
balance
25% of
the
guarant
eed
amount
will be
paid on
conclusi
on
of
recover
y
proceed
ings or
till the
decree
gets
time
barred,
whichev
er is
earlier.
[
ü Post
invocati
on of
the
guarant
ee
claim, if
any
recoveri
es are
made in
the
account
, Bank
shall
first
adjust
such
recoveri
es
towards
the
legal
costs
incurre
d by
them
for
recover
y of the
amount
and
shall
thereaft
er remit
to
NCGTC
the
balance
recoveri
es
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
dy e
PNB STAND To meet the a. Existing Units 25% of ✓ 0.50 % Margin is Hypothec
BY LINE OF temporary having Limits upto working above the Nil. ation of
CREDIT (PNB liquidity mismatch Rs. 5 crore are capital sanctioned However stocks
SLC) arising out of eligible under the (FBWC + Cash Credit margin for and
delayed scheme. (In case, if NFBWC) of rate. the receivabl
realization of total exposure of Existing ✓ ROI for existing es (GST
receivables, unit including this units the limits will and other
receipts of GST facility (PNB SLC) is having primary continue Credit).
Inputs tax credits above than Rs. 5 limits upto account as per the Extension
(including for crore, guidelines Rs. 5 crore, (originally sanctione of charge
Exports) and other regarding external with sanctioned d terms. on the
Business risk rating shall be maximum loan) shall Primary
requirements. are applicable. amount of not be Security /
b. All Units Rs. 1.25 changed on Collateral
irrespective of crore. account of security.
Rating. However change in
c. Account to be the limit collateral
standard. SMA-0, would be coverage
SMA-1 & SMA-2 sanctioned after
are also eligible in One Go extending
under the scheme and may be PNB SLC.
disbursed ✓ Penal
in multiple Interest as
tranches, applicable
with to Cash
overall Credit
repayment account
will be
 Intere Guaran
Eligibility Loan Rate of st tee Service Incentives/ Additional
Scheme Details / Purpose Margin Security
Amount Interest Subsi Coverag Charges Benefit details
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period of charged, if
12months. not repaid
within the
stipulated
period