पंजाब नेशनल बैंक (PNB) MSME Sajag कार्यशील पूंजी ऋण (वर्किंग कैपिटल) योजना
ऋण प्रदाता बैंक / संस्था: Punjab National Bank (PNB)
₹5 Lakh to ₹5 Crore MSME credit at 8.65% – 10.25% with Up to 12 months (Renewable) tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Streamlined working capital facility for manufacturing and service MSMEs assessing cash credit limits on simplified turnover basis.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Quick renewal cycle; competitive interest rate linked to PNB RBLR; simplified balance sheet assessment.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Existing MSME units with registered commercial premise and clean credit bureau track.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires minimum 1 year satisfactory account operations and formal GST registration.
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)
Requires minimum 1 year satisfactory account operations and formal GST registration.
🚀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-msme-sajag.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 MSME Sajag Working Capital Scheme?
Borrowers can avail ₹5 Lakh to ₹5 Crore with a repayment tenure of Up to 12 months (Renewable).
What are the processing charges and collateral terms for PNB MSME Sajag Working Capital Scheme?
The processing fee is 0.40% + GST. Collateral terms: Requires minimum 1 year satisfactory account operations and formal GST registration.
What are the eligibility criteria for PNB MSME Sajag Working Capital Scheme?
Existing MSME units with registered commercial premise and clean credit bureau track. Minimum business vintage required is 1 year(s).
How can an applicant apply for PNB MSME Sajag Working Capital Scheme?
Apply online at https://www.pnbindia.in/pnb-msme-sajag.html or visit nearest branch with KYC, Udyam registration, and bank statements.