पंजाब नेशनल बैंक (PNB) महिला उद्यम निधि (महिला MSME Equity)
ऋण प्रदाता बैंक / संस्था: Punjab National Bank (PNB)
Up to ₹10 Lakh MSME credit at 8.40% – 9.75% with Up to 10 years (with 1-year moratorium) tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Specialized soft loan equity assistance for women entrepreneurs setting up new tiny and small-scale manufacturing or service units.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Provides soft equity seed capital; soft loan component carries nominal 1% service charge; 10-year repayment tenure with 1-year moratorium.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Women entrepreneurs setting up new industrial or service micro unit.
जमानत / कोलेटरल आवश्यकता (Collateral)
Strictly for women entrepreneurs holding at least 51% financial stake in new micro enterprise.
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)
Strictly for women entrepreneurs holding at least 51% financial stake in new micro enterprise.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.pnbindia.in/mahila-udyam-nidhi.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 Mahila Udyam Nidhi (Women MSME Equity)?
Borrowers can avail Up to ₹10 Lakh with a repayment tenure of Up to 10 years (with 1-year moratorium).
What are the processing charges and collateral terms for PNB Mahila Udyam Nidhi (Women MSME Equity)?
The processing fee is 0.25% + GST (Waivers under campaigns). Collateral terms: Strictly for women entrepreneurs holding at least 51% financial stake in new micro enterprise.
What are the eligibility criteria for PNB Mahila Udyam Nidhi (Women MSME Equity)?
Women entrepreneurs setting up new industrial or service micro unit. Minimum business vintage required is 0 year(s).
How can an applicant apply for PNB Mahila Udyam Nidhi (Women MSME Equity)?
Apply online at https://www.pnbindia.in/mahila-udyam-nidhi.html or visit nearest branch with KYC, Udyam registration, and bank statements.