Public Sector Bank (PSU)Term Loan (Capex / Expansion)Women-Led Enterprises🛡️CGTMSE CoveredVerified: 2026-09-29

PNB Mahila Udyam Nidhi (Women MSME Equity)

Primary Lending Institution: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.

Interest Rate8.40% – 9.75%Linked to EBLR / MCLR / Risk

Loan Amount QuantumUp to ₹10 LakhBased on turnover & project cost

Repayment TenureUp to 10 years (with 1-year moratorium)With moratorium where applicable

Collateral SecurityStrictly for women entrepreneurs holding at least 51% financial stake in new micro enterprise.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Strictly for women entrepreneurs holding at least 51% financial stake in new micro enterprise.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is PNB Mahila Udyam Nidhi (Women MSME Equity)?

Specialized soft loan equity assistance for women entrepreneurs setting up new tiny and small-scale manufacturing or service units.

Key Benefits & Features

Provides soft equity seed capital; soft loan component carries nominal 1% service charge; 10-year repayment tenure with 1-year moratorium.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Women entrepreneurs setting up new industrial or service micro unit.

Business VintageNew & Existing units eligible

Min. Annual TurnoverTurnover proportionate

Processing Fee0.25% + GST (Waivers under campaigns)

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

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

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.pnbindia.in/mahila-udyam-nidhi.html with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

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

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

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.