सार्वजनिक क्षेत्र का बैंक (PSU Bank)कार्यशील पूंजी ऋण (Working Capital)✓ CGTMSE / Bank Guarantee / Normal Securityसत्यापित: 2026-09-29 (180-दिवसीय SLA)

Punjab एवं Sind Bank PSB व्यापार योजना

ऋण प्रदाता बैंक / संस्था: Punjab & Sind Bank

₹2 Lakh to ₹2 Crore MSME credit at 8.80% – 10.45% with Up to 5 years tenure.

अधिकतम ऋण राशि₹2 Lakh to ₹2 Crore

ब्याज दर8.80% – 10.45%

पुनर्भुगतान अवधिUp to 5 years

प्रोसेसिंग शुल्क0.50% + GST

💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Credit line for retail traders, wholesalers, and grain merchants providing seasonal working capital.

प्रमुख लाभ एवं व्यावसायिक विशेषताएं

Flexible overdraft operations; lower documentation; competitive interest rate.

📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)

व्यावसायिक पात्रता शर्तें

Commercial traders with minimum 1 year trade existence.

जमानत / कोलेटरल आवश्यकता (Collateral)

Requires commercial premises and municipal trade license.

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 commercial premises and municipal trade license.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

Apply online via business net banking or approach loan account manager.

2. नए उद्यमी (ऑनलाइन):

Apply online at https://punjabandsindbank.co.in/content/psbvyapar with digital KYC and financial statements.

3. बैंक शाखा में जाकर:

Visit nearest MSME branch of the institution with business registration and bank statements.

आधिकारिक आवेदन पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan tenure and amount for Punjab & Sind Bank PSB Vyapar Scheme?

Borrowers can avail ₹2 Lakh to ₹2 Crore with a repayment tenure of Up to 5 years.

What are the processing charges and collateral terms for Punjab & Sind Bank PSB Vyapar Scheme?

The processing fee is 0.50% + GST. Collateral terms: Requires commercial premises and municipal trade license.

What are the eligibility criteria for Punjab & Sind Bank PSB Vyapar Scheme?

Commercial traders with minimum 1 year trade existence. Minimum business vintage required is 1 year(s).

How can an applicant apply for Punjab & Sind Bank PSB Vyapar Scheme?

Apply online at https://punjabandsindbank.co.in/content/psbvyapar or visit nearest branch with KYC, Udyam registration, and bank statements.