Punjab National Bank Mudra Loan

Punjab National Bank offers MUDRA loans up to Rs. 10 lakh under the Pradhan Mantri MUDRA Yojana (PMMY) to non-farm enterprises in trading, manufacturing and service sectors. Under PMMY, PNB offers the PNB e-MUDRA (SHISHU) scheme for a loan amount of up to Rs. 50,000, the PNB Kishore and Tarun Loan Scheme for a loan amount above Rs. 50,000 to Rs. 10 lakh and the PNB Weaver MUDRA Scheme, a working capital facility for handloom weavers, along with a Mudra card (RuPay card) with a limit of up to Rs. 50,000.

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PNB MUDRA Loan at a Glance

Particulars	PNB Bank MUDRA Loan
Loan Amount	Up to Rs. 10 lakh
Facility	Term Loan, Working Capital
Interest Rates	8.50% to 9.75%
Tenure	Up to 7 years
Processing Fees	NIL

Types of PNB MUDRA Loan Schemes

PNB e-MUDRA (SHISHU) Scheme

Purpose: PNB e-MUDRA (SHISHU) Scheme is offered in the form of a working capital term loan facility to non-farm enterprises involved in manufacturing, trading and service activities.
Loan Amount: Up to Rs. 50,000
Tenure: Up to 7 years
Security:
- Primary- Hypothecation of assets created out of the Bank’s finances
- Collateral- Guarantee Coverage under CGFMU shall be obtained

PNB Kishor & Tarun Scheme:

Purpose: Extend collateral-free business loans to the non-farm sector of micro enterprises engaged in the business of manufacturing, trading and service sector in rural, urban and metro areas for income generation purposes
Eligibility: Any individual/proprietary concern/partnership firm/company/association of persons (AOP) / limited liability partnership (LLP) / etc, and not a defaulter to any Bank / Financial Institution, is eligible to avail Mudra loan.
Loan Amount: As per category:
- Kishore (Loans above Rs. 50,000 to Rs. 5.00 lakh)
- Tarun (Loans above Rs. 5.00 lakh to Rs. 10.00 lakh)
Tenure: Up to 7 years

PNB WMS (Weaver MUDRA Scheme)

Purpose: Punjab National Bank offers the PNB Weaver MUDRA Scheme to meet the working capital requirements of handloom weavers. The lender also issues Mudra Card (RuPay card) under this scheme, with a limit of up to Rs. 50,000.
Eligibility: Existing Handloom Weavers are eligible, having a satisfactory CIBIL.
Loan Amount: Up to Rs. 5 lakh
Margin: 20% of the loan for the loan amount up to Rs. 10,000, by the Union Ministry of Textiles
CGTMSE Fees:
- For loans up to Rs. 50,000- 0.25% of the loan amount for 3 years
- For loans above Rs. 50,000 and up to Rs. 5 lakh- for 3 years

Punjab National Bank MUDRA Loan Eligibility Criteria

Individuals, proprietary concerns, partnership firms, association of persons (AOP), limited liability partnership (LLP) and companies are eligible for the PNB MUDRA Loan scheme. The eligible applicant should not be a defaulter to any bank/financial institution. The lender also offers the PNB Weaver MUDRA Scheme to handloom weavers having a satisfactory CIBIL score.

Punjab National Bank MUDRA Loan Documents Required

PNB e-MUDRA (SHISHU) Scheme

Identity Proof- Aadhaar card, Voter ID, Passport, PAN Card, Driving License and photo IDs issued by government authorities.
Address Proof- Voter ID, Passport, Aadhaar card, telephone bills, electricity bills, receipt of property tax, passport of individual/partners/proprietors, certificate issued by government authority/municipality/local panchayat.
Recent photograph (not older than 6 months)
ID proof and address proof of business enterprise
Account statement from existing banker for the last 6 months
Proof of Minority/ST/SC/OBC, if applicable
Quotation of machinery or other items to be purchased

PNB Kishore and Tarun MUDRA scheme

Identity proof- Aadhaar card, PAN card, voter ID, driving license, passport and photo IDs issued by the government authority
Address Proof- Utility bills (telephone bills, electricity bills, property tax receipt not more than 2 months old), voter ID, Aadhaar card, passport of individuals/proprietors/partners and certificate issued by Local Panchayat/Municipality/Government authority.
Two photographs of the applicant/Proprietor/ Partners/ Directors not older than 6 months.
Identity proof and address proof of business enterprise- copies of relevant licenses, lease or rent agreement, registration certificates, other documents pertaining to ownership, address proof of business unit or Udyog Aadhaar Memorandum.
Unaudited balance sheets of existing units for the last 2 years, along with income tax or sales tax returns (applicable for loan amounts of Rs. 2 lakh and above)
Account statement for the last 6 months from the existing banker.
Sales of the current financial year up to the date of submission of the application.
Projected balance sheets of start-ups or existing units for 1 year (in case of working capital) and for the entire loan tenure (in case of term loan)
Memorandum and Articles of Association of the company/partnership deed of partners, etc.
Asset and liability statement of the borrower, including directors and partners

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FAQs

Any individual, proprietary concern, partnership firm, company, LLP, AOP, or similar entity that is not a defaulter with any Bank or Financial Institution is eligible to apply for a MUDRA loan.

PNB e-MUDRA offers working capital loans up to Rs. 50,000 for a tenure of 7 years.

The interest of the PNB MUDRA loan starts from 8.50% onwards.

The repayment tenure of PNB MUDRA loans goes up to 7 years.

To apply for a PNB MUDRA Loan, applicants can visit either the official PNB website or the official Gov. website of PMMY.

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Punjab National Bank Mudra Loan