Public Sector Bank (PSU)Machinery & Equipment FinanceSmall Enterprise (Investment ≤ ₹10 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

PNB Sanjeevani Scheme for Healthcare MSMEs

Primary Lending Institution:Punjab National Bank (PNB)

₹10 Lakh to ₹50 Crore MSME credit at 8.50% – 9.75% with Up to 10 years tenure.

Interest Rate8.50% – 9.75%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹10 Lakh to ₹50 CroreBased on turnover & project cost

Repayment TenureUp to 10 yearsWith moratorium where applicable

Collateral SecurityRestricted to qualified medical professionals (MBBS/MD/BDS) and accredited healthcare facilities.

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

Restricted to qualified medical professionals (MBBS/MD/BDS) and accredited healthcare facilities.

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 Sanjeevani Scheme for Healthcare MSMEs?

Specialized medical infrastructure loan for doctors, hospitals, diagnostic clinics, and nursing homes to acquire high-tech medical machinery.

Key Benefits & Features

Finances up to 90% of medical equipment cost; repayment up to 10 years; concessional interest rates for greenfield clinics.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Registered medical practitioners and diagnostic centres.

Business VintageNew & Existing units eligible

Min. Annual TurnoverTurnover proportionate

Processing Fee0.50% + GST

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/pnb-sanjeevani.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 Sanjeevani Scheme for Healthcare MSMEs?

Borrowers can avail ₹10 Lakh to ₹50 Crore with a repayment tenure of Up to 10 years.

What are the processing charges and collateral terms for PNB Sanjeevani Scheme for Healthcare MSMEs?

The processing fee is 0.50% + GST. Collateral terms: Restricted to qualified medical professionals (MBBS/MD/BDS) and accredited healthcare facilities.

What are the eligibility criteria for PNB Sanjeevani Scheme for Healthcare MSMEs?

Registered medical practitioners and diagnostic centres. Minimum business vintage required is 0 year(s).

How can an applicant apply for PNB Sanjeevani Scheme for Healthcare MSMEs?

Apply online at https://www.pnbindia.in/pnb-sanjeevani.html or visit nearest branch with KYC, Udyam registration, and bank statements.