पंजाब नेशनल बैंक (PNB) GST Express व्यवसाय ऋण
ऋण प्रदाता बैंक / संस्था: Punjab National Bank (PNB)
₹10 Lakh to ₹5 Crore MSME credit at 8.75% – 10.50% with Up to 12 months (Revolving) tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Turnover-based credit line computed directly from verified GST return filings, providing instant working capital without deep financial ratios.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Credit limit linked directly to verified GST turnover; paperless digital validation; fast sanction within 3 business days.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Businesses with annual GST turnover exceeding ₹50 Lakh and regular monthly tax filings.
जमानत / कोलेटरल आवश्यकता (Collateral)
Borrower must have active GST registration with minimum 12 months filed GSTR-3B and GSTR-1 returns.
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans as per regulatory norms
📂आवश्यक दस्तावेज (Required Documents)
Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Borrower must have active GST registration with minimum 12 months filed GSTR-3B and GSTR-1 returns.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.pnbindia.in/pnb-gst-express.html with digital KYC and financial statements.
Visit nearest MSME branch of the institution with business registration and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure and amount for PNB GST Express Business Loan?
Borrowers can avail ₹10 Lakh to ₹5 Crore with a repayment tenure of Up to 12 months (Revolving).
What are the processing charges and collateral terms for PNB GST Express Business Loan?
The processing fee is 0.50% + GST. Collateral terms: Borrower must have active GST registration with minimum 12 months filed GSTR-3B and GSTR-1 returns.
What are the eligibility criteria for PNB GST Express Business Loan?
Businesses with annual GST turnover exceeding ₹50 Lakh and regular monthly tax filings. Minimum business vintage required is 1 year(s).
How can an applicant apply for PNB GST Express Business Loan?
Apply online at https://www.pnbindia.in/pnb-gst-express.html or visit nearest branch with KYC, Udyam registration, and bank statements.