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Punjab National Bank Business Loan – Highlights |
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| Interest Rate | As per the credit profile of applicant | |
| Loan Amount | Up to Rs 100 crore ( depending on the scheme & applicant’s loan eligibility) | |
| Repayment Tenure | Up to 7 years | |
| Scheme Name | Rates | |
| Margin | PNB Jeevan Rakshak Scheme | New customers – 15% Existing customers – NIL |
| PNB Electronic Dealer Scheme (PNB e-Dealer Scheme) for IOCL | NIL | |
| PNB Shikhar Scheme for Jammu & Kashmir and Ladakh | ● Stocks: 20% ● Book Debt: 25% ● Term Loan (availed for purchase of land): 50% ● Term Loan (availed for other purposes): 20% ● Non-Fund Based Limit – Minimum cash margin of 15% is compulsory |
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| PNB Compressed Bio Gas (CBG) Under ‘SATAT’ scheme | NIL | |
| MSME Prime Plus | 15% to 25% depending on the asset financed | |
| PNB GST Express Loan Scheme | NIL | |
| PNB e-MUDRA (SHISHU) Scheme | NIL | |
| PNB Sampatti Scheme | ● For Residential Property: Up to 35% ● Other than Residential Property: Up to 40% |
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Punjab National Bank Interest Rate
The interest rate for the Punjab National Bank Business Loan offered by the lender for its business schemes are as follows:
| Particulars | Interest Rate ( p.a.) |
| PNB Sampatti Scheme | For loan amount up to Rs 5 crore: RLLR + BSP + 1%
For loan amount above Rs 5 crore: As per the Card rates linked to RLLR + BSP subjective to the capping of RLLR + BSP + 1.50% |
| PNB e-MUDRA (SHISHU) Scheme | RLLR + BSP + 0.15% |
| MSME Prime Plus | Collateral Coverage of less than 50%: RLLR+BSP+0.50% to RLLR+BSP+1.50%
Collateral Coverage of 50% to less than 100%: RLLR + BSP+0.35% to RLLR+BSP+1.35% Collateral Coverage of above 100% – RLLR+BSP+0.20% to RLLR+BSP+1.25% |
| PNB Compressed Bio Gas (CBG) Under ‘SATAT’ scheme | MSME Based Advance: Linked with RLLR
Others: Linked with 1 year MCLR Concession of 0.25% on Card rate is available under this scheme. |
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PNB Shikhar Scheme for Jammu & Kashmir and Ladakh |
Up to Rs 50,000: – RLLR+BSP+0.10%
Above Rs 50,000 up to Rs 20 lakh: RLLR+BSP+1.00% Above Rs 20 lakh up to Rs 2 crore – Card rate or RLLR +BSP+1.35% (Whichever is lower) Exports ( Pre-hipment) – RLLR+BSP+0.35% Export (Post Shipment advances): RLLR + BSP + 0.35% Overdue export: RLLR + BSP + 4.00% Export Credit Not Otherwise Specified (ECNOS) : RLLR+BSP+6.00% If the collateral security offered is more than 75%, then additional 0.50% concession in the rate of interest can be offered subject to the minimum interest rate of RLLR+BSP |
| PNB Electronic Dealer Scheme (PNB e-Dealer Scheme) for IOCL | For MSMEs
Loan facility with collateral coverage of at least 25%: RLLR +BSP+0.85% In case of of no collateral coverage:RLLR+ BSP + 1.30%
For other than MSMEs Loan facility with collateral coverage of at least 25%: 1 Year MCLR+ 0.30% In case of no collateral coverage: 1 Year MCLR + 0.75% |
| PNB Jeevan Rakshak Scheme | For MSMEs – RLLR +1.35%
For non MSME – 1 Year MCLR+ 1.10% |
| PNB Stand By Line of Credit | 0.50% above the current sanctioned Cash Credit rate |
| PNB WMS (WEAVER MUDRA SCHEME) | 6% shall be borne by the borrower. The interest rate exceeding over and above 6% shall be borne by the government in the form of interest rate subsidy, subject to a cap of 7% for 3 years from the date of disbursement. |
Types of Punjab National Bank Business Loan
PNB Sampatti Scheme
Purpose: Punjab National Bank offers PNB Sampatti Scheme, a loan against property scheme, for financing various business related requirements like raising working capital requirement; purchasing/constructing/renovating/expanding business premises, office, godown, unit, shop,etc. Additionally, the borrowers can avail this scheme to deal with their temporary liquidity mismatch, repay their existing debts availed from other banks/FIs at higher cost, acquiring/creating fixed assets and augment long term margin.
Loan Amount : Above Rs 10 Lakhs
Rate of Interest :
- For loan amount up to Rs 5 crore: RLLR + BSP + 1%
- For loan amount above Rs 5 crore: As per the Card rates linked to RLLR + BSP subjective to the capping of RLLR + BSP + 1.50%
LTV Ratio:
- For Residential Property: Up to 65% of the realizable value of the property
- Other than Residential Property: Up to 60% of the realizable value
Repayment :
- For Overdraft (reducing) & Term Loan: 15 years
- For Overdraft (general): 1 Year, subject to annual renewal
Processing Fee:
- For overdraft facility: 0.25% p.a. of the limit
- For term loan: 0.50% of the loan amount
Assessment of Limit section:
- 25% of projected annual sales or receipts, whichever is lower, subject to the minimum LTV ratio.
- If the loan applicant does not maintain a proper financial statement, the maximum loan amount can go up to 4 times of their annual income.
PNB e-MUDRA (SHISHU) Scheme
Purpose : Punjab National Bank offers PNB e-Mudra (Shishu) scheme to its existing individual customers, having savings/current account, for availing small business loans. This facility can only be availed by non-farm enterprises involved in manufacturing, trading and service activities. The loan facility is offered in the form of working capital term loan and term loan facilities.
Loan Amount : Maximum loan amount for this facility can go up to Rs 50,000. The sanctioned loan amount would be the lowest of the following:
- For Rs 50,000
- For loan amount requested
- For cost of Goods/Articles are to be purchased
- For 10 times of the credit summation in the account in the last 6 months
Rate of Interest: RLLR + BSP + 0.15%
Tenure: Up to 7 years including maximum moratorium period of 3 months
Security :
Primary: Hypothecation of the assets created out of the bank loan
Collateral: Guarantee Coverage under the Credit Guarantee Fund for Micro Units (CGFMU) will be obtained.
Margin: No Margin cost
PNB GST Express Loan Scheme
Purpose: Punjab National Bank offers PNB GST Express Loan Scheme, a cash credit facility, to raise working capital requirements for financing business activities or expansion.
Loan Amount : The loan amount can range from above Rs 10 Lakhs to Rs 2 Crore. The maximum loan can go up to 25% of the sales reported in the GST return in the last 12 months. Also, wherever the GST returns have been filed in less than 1 year, maximum permissible bank finance will arrive based on 25% of the annual sale after annualizing the GST returns.
Rate of Interest : As per the bank’s guidelines
Loan Tenure : 1 year (renewable every year)
Security :
Primary Security: Hypothecation of assets created through the bank loan along with current assets and non-current assets (both existing & future assets).
Collateral Security:
- At least 100% of the collateral must be in the form of bank-approved liquid security or immovable property in compliance with SARFAESI regulations.
Or
At least 50% of the collateral must be of the bank-approved liquid security or SARFESI compliant immovable property with the rest of the exposure being secured through the CGTMSE cover provided under the Hybrid Model.
- A guarantee from the property’s owner must be acquired if the security is registered in the third party’s name.
- Loan applicants do not need to meet any benchmark ratios as there is no need for submitting any financial statements under this scheme.
Processing Fee: 50% concession on applicable
MSME Prime Plus
Purpose : Punjab National Bank offers MSME Prime Plus scheme to MSME’s and Agri-Infrastructure based business for raising fund based & non-fund based working capital and term loan for the purchasing fixed assets/plant and machinery (P&M) /equipments/vehicles, etc. Additionally, the bank provides MSME vishesh that provides automatic increase of working capital limits for the “MSME PRIME PLUS ” borrowers. Alos, MSME open term loan
Additional features:
MSME Vishesh: Automatic increase of Working Capital Limits for “MSME PRIME PLUS” borrowers
MSME open term loan: A pre approved term loan facility which provides flexibility to good existing units enjoying the credit facility from PNB Bank.
Rate of Interest :
Collateral Coverage of less than 50%: RLLR+BSP+0.50% to RLLR+BSP+1.50%
Collateral Coverage of 50% to less than 100%: RLLR + BSP+0.35% to RLLR+BSP+1.35%
Collateral Coverage of above 100% – RLLR+BSP+0.20% to RLLR+BSP+1.25%
Margin: 15% to 25% depending on the asset financed
Loan Amount :
Minimum: above Rs 10 lakhs
Maximum: up to Rs 100 crore
Repayment Tenure:
In case of working capital loans: To be repaid within 1 year of the loan sanction and can be renewed on an annual basis.
In case of term loans: Maximum repayment period can go up to 7 years including the moratorium period. Repayment tenure of more than 7 years repayment would be offered as per the bank’s extant guidelines.
Security :
Primary Security: Hypothecation of assets i.e. book debts, stock, plant & machineries, equipment, etc created from the bank loan (future & present).
Collateral Security : 30% to 75% depending upon the MSME segment viz. manufacturing, services, contractors & traders
Service charges:
- 50% concession on processing fee/ upfront fee documentation charges
- 25% concession on application charges on letter of credit/ bank guarantee
PNB Compressed Bio Gas (CBG) Under ‘SATAT’ scheme
Purpose: Punjab National Bank offers PNB Compressed Bio Gas ( CBG) under ‘Sustainable Alternative Towards Affordable Transportation (SATAT) scheme to businesses for setting up Compressed Bio Gas (CBG) plants. The loan is offered in the form of to provide term loans, working capital loans and non-fund based limits.
Loan Amount : Rs 1 Crore and above
Loan tenure :
Working Capital : 1 year subject to annual renewal of limits.
Term Loan : Up to 12 years including moratorium period up to 2 years including the construction achievement/period of construction operation date (COD) up to 18 months.
During the construction period the interest may be capitalised and must be a part of the project cost as per the Bank’s extant guidelines. Whereas, the interest during the Moratorium after the COD has to be served.
Rate of Interest :
MSME Based Advance: Linked with RLLR
Others: Linked with 1 year MCLR
Concession of 0.25% on Card rate is available under this scheme.
Primary Security:
Term Loan
- Exclusive charge is created over all project assets, including cash flow, moveable and immovable assets, escrow accounts, commercial agreements, and DSRA
- The Borrower is required to maintain an escrow account, to which all selling proceeds from the sale of CBG to Oil Marketing Companies (OMCs) will be credited. Usual waterfall mechanism will be followed for making the payment. The funds in the escrow account will be applied first towards the repayment of the term loan.
Working Capital
Hypothecation of Receivables and Stocks
Collateral Security : No collateral security needed
PNB Shikhar Scheme for Jammu & Kashmir and Ladakh
Purpose: Punjab National Bank offers “PNB Shikhar Scheme for Jammu & Kashmir and Ladakh” to meet the credit requirements in the form of term loan, working capital including Export Credit , non fund based limit and long term loans for the MSMEs located in the Union Territories of J&K and Ladakh. The scheme is aimed at promoting MSMEs working in hotels industries, tour & travel, transport, manufacturing, export of goods and services, ship/boat/shikara industry, traditional activities of the two Union Territories or any other MSME-related activities.
Loan Amount : The loan amount can go up to Rs 2 crore. Loan proposals of up to Rs 10 lakh will qualify for the Pradhan Mantri Mudra Yojana (PMMY) scheme and thus, CGTMSE guarantee coverage shall be obtained and no collateral will be required. .)
Margin :
- Stocks: 20%
- Book Debt: 25%
- Term Loan (availed for purchase of land): 50%
- Term Loan (availed for other purposes): 20%
- Non Fund Based Limit : Minimum cash margin of 15% is compulsory
Note – Reduction of margin 10% in stock & book allowed basis on the case
Repayment Tenure :
- Term Loan : 7 years including moratorium up to 1 year (the interest will be payable as and when due)
- Working capital : 1 year (subject to annual renewal)
Rate of Interest :
- Up to Rs 50,000: – RLLR+BSP+0.10%
- Above Rs 50,000 up to Rs 20 lakh: RLLR+BSP+1.00%
- Above Rs 20 lakh up to Rs 2 crore – Card rate or RLLR +BSP+1.35% (Whichever is lower)
- Exports ( Pre-hipment) – RLLR+BSP+0.35%
- Export (Post Shipment advances): RLLR + BSP + 0.35%
- Overdue export: RLLR + BSP + 4.00%
- Export Credit Not Otherwise Specified (ECNOS) : RLLR+BSP+6.00%
- If the collateral security offered is more than 75%, then additional 0.50% concession in the rate of interest can be offered subject to the minimum interest rate of RLLR+BSP
PNB Electronic Dealer Scheme (PNB e-Dealer Scheme) for IOCL
Purpose: Punjab National Bank offers PNB Electronic Dealer scheme to the authorized exclusive dealers of the Petroleum Division of IOCL. The list of eligible borrowers for this scheme is intimated to the bank through the corporate opinion report of the IOCL as per the tie-up arrangement for the e-Dealer Scheme.
Loan Amount : Up to Rs 2 Crore with 100% funding of the invoices
Margin : NIL
Rate of Interest:
For MSMEs
Loan facility with collateral coverage of at least 25%: RLLR +BSP+0.85%
In case of of no collateral coverage:RLLR+ BSP + 1.30%
For other than MSMEs
Loan facility with collateral coverage of at least 25%: 1 Year MCLR+ 0.30%
In case of no collateral coverage: 1 Year MCLR + 0.75%
Security :
Primary: Full hypothecation of all stocks and receivables.
Collateral Security:
- a) No collateral security will be required if the dealer has the dealership with IOCL for five years or more.
- b) In case the loan applicant does not meet the above-mentioned criteria, the loan applicant would have to provide at least 25% tangible collateral security in the form of movable securities or bank-approved liquid securities.
- c) Only with IOCL’s prior consent may the land housing the retail outlet (Petrol Pump) be mortgaged.
- d) The owner of the security must provide a guarantee if the collateral is owned by a third party.
- e) Account relationship with banks and financial institutions must be satisfactory.
Guarantee: Personal guarantee by the promoter/ partner/director of the dealer applicant
PNB Jeevan Rakshak Scheme
Purpose : Punjab National Bank Jeevan Rakshak Scheme offers term loan to hospitals to set up oxygen plants with power backup for their own use. This loan facility can also be availed by units engaged in manufacturing liquid oxygen, oxygen cylinders, etc to raise finance. Additionally, this loan scheme can also be used to avail Letter of Credit (front ended) for importing capital goods.
Loan Amount: Up to Rs 2 crore for Term Loan and Letter of Credit together
Margin :
New customers : 15%
Existing customers : NIL
Repayment Period :
Term Loan: Up to 5 years with moratorium of 6 months
Letter of Credit : On the due date by debit to term loan
Interest Rate :
For MSMEs : RLLR +1.35%
For non MSME : 1 Year MCLR+ 1.10%
Collateral Security :
Loans for MSMEs qualify for CGTMSE cover, wherein the guarantee fee is borne by the bank.
Non-MSMEs have to provide at least 25% collateral. However, the requirement for collateral may be waived off with certain conditions.
Letter of Credit Charges : 50% concession
PNB Stand By Line of Credit
Purpose : Punjab National Bank offers ‘PNB Stand By Line of Credit’ facility to businesses to meet the temporary liquidity mismatch caused by delayed realization of receivables, delayed receipts of GST Inputs tax credits (including exports) and other business related reasons. This facility is offered in the form of fund based facility only.
Loan Amount :
The limit for this scheme can go up to Rs 1.25 crore. However, this limit cannot exceed 25% of the existing working capital limit (with a limit up to Rs 5 Crore), including both fund based working capital & non-fund based working capital. The approved amount may be accessed by the borrower all at once or in installments.
Repayment Tenure:
- The drawn limit has to be repaid within 12 months from the date of loan sanction. The borrower have the option of repaying the loan in one lump sum or in monthly, quarterly, or half-yearly installments. However, the interest component must be repaid when it’s due.
- If the limits are accessed in installments, each tranche’s repayment or liquidation must be completed within a year of the sanction date.
- The borrower can prepay the loan without incurring any prepayment penalties.
- If the loan is repaid early, either in full or in installments, the borrower may be eligible to reapply for drawdown. But the following drawls must also be eliminated in the same manner as before.
Interest Rate :
0.50% above the current sanctioned Cash Credit rate
If the Cash Credit account is not repaid within the designated period, penal interest will be charged.
Margin: NIL
Processing Fee : NIL
Penal Interest: As applicable to Cash Credit Accounts
PNB e-Godam
Purpose: Punjab National Bank offers PNB e-Godam facility to provide finance against electronic Negotiable Warehouse Receipts (e-NWR) issued by WDRA approved Repositories for goods/ stocks stored in WDRA accredited warehouses. This credit facility is offered in the form of demand loan and cash credit.
Loan Amount :
For Individuals: Rs 50,000 to Rs 50 Lakhs
For Sole Proprietorship concern: Rs 50,000 to Rs 25 Crore
For Others: Need based
Rate of Interest : As per Credit Risk Rating
Margin : Minimum 25%
Repayment Tenure : Up to 12 months
PNB WMS (WEAVER MUDRA SCHEME)
Purpose : Punjab National Bank offers PNB Weaver Mudra Scheme ( WMS) to meet the working capital requirements of weavers. The scheme is offered in the form of overdraft and cash credit facility.
Loan Amount : Up to Rs 5 lakh (need-based)
Margin Money Subsidy : 20% of the loan amount (capped at Rs 10,000) from the Union Ministry of Textiles
Interest Rate : 6% shall be borne by the borrower. The interest rate exceeding over and above 6% shall be borne by the government in the form of interest rate subsidy, subject to a cap of 7% for 3 years from the date of disbursement.
CGTMSE Fees:
For loan amount of up to Rs 50,000 – 0.25% of the loan amount paid by the Government for 3 years
Loan above Rs 50,000 & up to Rs 5 Lakh – Borne by the Government for 3 years
PNB Mahila Udyami
Purpose: Punjab National Bank offers PNB Mahila Udyami to female entrepreneurs to finance their income generation activities. Female entrepreneurs can avail this scheme to set up new units/enterprises, expand or modernize their business, acquire fixed assets (Plants, Machinery, Equipments, Furniture and Fixtures) and to raise working capital for meeting their day-to:day requirements. Applicants can avail this scheme in the form of term loan or overdraft facility.
Loan Amount : Up to Rs 10 lakhs
Repayment Tenure :
Term Loan : 3 to 5 Years with moratorium period of 3-6 months
Overdraft : 3 Years (The account will be reviewed on yearly basis & can also be renewed after 3 years )
Security :
Primary: Personal security provided by the borrower or assets created through the loan
Collateral: NIL as the scheme is covered under the CGTMSE scheme
PNB Sanjeevani Scheme
Purpose : Punjab National Bank offers PNB Sanjeevani Scheme to provide financial requirement for setting up a new expansion/ modernize/ renovate the nursing Home/ Clinic/ hospital/ veterinary or infrastructure for medical tourism that is Diagnostic centers, Pathological Laboratory etc. The scheme also includes medical equipment ( like vehicles, ambulances and implants) and for office equipment that is computers, air conditioners, office furniture etc. The loan can be facilitated in the form of Term loan, Overdraft and Non fund based loans.
Repayment Tenure : 10 years with a moratorium period of maximum of 24 months
Interest Rate : As per the Bank’s Guideline
Margin :
- 25% for the purchase of new space and/or the enlargement, remodeling, and/or upgrading of already-existing space.
- 15% for the cost of purchasing machinery, equipment, on-road vehicles, ambulances, and other types of vehicles
- When buying land, the margin should be at least 50% of the total cost of the land, including registration fees. Nonetheless, the loan amount for the land acquisition cannot exceed 50% of the overall authorized term loan amount.
Security :
Primary :
- Hypothecation of all of the unit’s assets, including current and fixed.
- Mortgage on project land that is being or will be developed.
Collateral :
- It is required to get a minimum of 25% collateral security in the form of liquid security or real estate.
- If the land and building mortgaged as the primary security have a realizable value greater than 110% of the total exposure, no collateral is needed.
PNB Artisan Credit Card
Purpose : Punjab National Bank offers PNB Artisan Credit Card to provide financial support to Artisans and to make the credit delivery simple and easy.
Loan Amount : Up to 2 Lakhs for term loan and working capital
Repayment Tenure : Card is valid for 3 years
Margin : No margin for up to Rs 2 Lakhs
Security : Secured by Hypothecation of stocks, receivable, machinery and other equipments
Collateral : No collateral or any third party guarantee needed, loan is covered under Credit Guarantee Scheme of CGTMSE.
Eligibility Criteria for Punjab National Bank
PNB Sampatti Scheme
All business enterprises, including sole proprietorships, can avail this loan facility except certain exclusions.
In case of properties where the construction is not as per the approved map or the map is not available, the loan application can be assessed based on the realizable value of the land of the property.
Requirement of obtaining a completion certificate is not required.
In case of let out property, the loan facility can be availed against both commercial and residential properties.
PNB e-MUDRA (SHISHU) Scheme
- Any individual customer having an active saving account/ current account with PNB from last 6 months
- Applicants should be 18 – 60 years of age
- Verified Udyam Registration number is mandatory.
PNB GST Express Loan Scheme
- Business entities owned by individuals, firms, companies, Limited Liability Partnership, co-operative societies, engaged in legal business activities.
- GST registered units which have filed GST returns at least for the last 6 months.
MSME Prime Plus
Individuals, partnerships, sole proprietorships, limited liability partnerships (LLPs), Pvt. Ltd. companies, public limited companies, trusts, cooperative societies (registered and incorporated under applicable law), and any other legal entity with a valid Udyam registration and a valid GST registration number, wherever appropriate.
PNB Compressed Bio Gas (CBG) Under ‘SATAT’ scheme
- Businesses in the form of sole proprietorship, partnerships, limited liability partnership, companies and co-operative societies, which have been awarded ‘Letter of Intents’ (LoIs) by OMCs for the supply of compressed biogas under the SATAT scheme.
- The designated capacity of a single CBG plant should be at least 2.0 Tonnes CBG per day
PNB Shikhar Scheme for Jammu & Kashmir and Ladakh
This scheme can only be availed by MSMEs operating in the Union Territories of J&K and Ladakh in the form of proprietorship, partnership firms, limited liability partnerships (LLPs), Private/Public Ltd. Cos. and other legal entities.
PNB Electronic Dealer Scheme (PNB e-Dealer Scheme) for IOCL
Any dealer who can satisfy the below mentioned criterion would be eligible –
- 1 Year of dealership with IOCL (Petroleum Division) for all the existing dealers/ specific written recommendation from IOCL for New Dealers under social objective category.
- Existing Proprietorship, Partnership, Limited Liability Partnership, Company, Trust, Society etc. entity having valid Dealership Agreement with Indian Oil Corporation Limited (IOCL).
PNB Jeevan Rakshak Scheme
Hospitals and nursing homes owned by individuals or constituted as partnership firms, LLPs, corporations, trusts, societies (with borrowing powers), etc., and possessing the necessary permissions and registrations from the relevant regulatory bodies are eligible to avail PNB Jeevan Rakshak Scheme.
PNB Stand By Line of Credit
- Any existing adhoc facility has to be paid off from the proceeds of PNB SLC facility. The borrower cannot avail both adhoc facility and SLC facility at the same time..
- A certificate from a chartered accountant (CA) must be obtained attesting to the amount of unpaid GST and outstanding receivables up to the months for which the returns have been submitted.
- The chartered accountant (CA) of the borrower must get the certificate’s Unique Document Identification Number (UDIN) from the UDIN Portal, which then needs to be listed on the certificate issued by the CA. The lending branch should verify the UDIN on the UDIN site (https://udin.icai.org).
- The facility will be viewed as an exposure on the borrower’s part, and compliance with RBI Prudential Norms requirements is required.
PNB e-Godam
- Only e-NWR pledges made by repositories for stock or items stored in godowns accredited by the WDRA may be used as collateral for financing.
- Godowns accredited by the WDRA can be found with details at https://wdra.gov.in/web/wdra/registered-warehouses.
- The list of commodities that will be approved for financing under the program will be posted on the WDRA website, which should be examined on a regular basis.Visit https://wdra.gov.in/web/wdra/list-of-notified-commodities for further information.
PNB Mahila Udyami
- Any individual woman, any women entrepreneurs, or any business in which women entrepreneurs own at least 50% shareholding. Preference would be given to ST/SC/BPL cardholders.
- Women entrepreneurs trained in R-SETIs, skill development institutions or other training institutions will be given preference.
- The applicant should have never defaulted with any bank or other financial institutions.
- Beneficiaries of government-sponsored programs are not eligible for availing PNB Mahila Udyami