►Punjab National Bank (PNB) offers a digital loan product specifically for Micro, Small, and Medium Enterprises (MSMEs) called "PNB Digi MSME Loan." This initiative is part of PNB's efforts to provide hassle-free, online, and straight-through finance to the MSE sector for business expansion and income generation. Key Features and Benefits of PNB Digi MSME Loan: Purpose: To provide online finance to existing customers engaged in manufacturing, trading, or services for genuine business activities. Digital Process: The application and sanction process is largely digital, aiming for a seamless and quick experience. Loan Type: Primarily offered as an Overdraft (General) facility, with an annual limit renewal. Loan Amount: Up to Rs. 25.00 Lakh. However, GST-registered entities requiring loans above Rs. 10 Lakh might be routed to the e-GST Express scheme. Eligibility (Key Criteria): Individual Customer or Sole Proprietor: Must have an active, KYC-compliant Current Account with any bank for the past 12 months. Age: Applicant should be between 18 and 65 years. Udyam Registration: Mandatory. (Udyam Registration is a government registration for MSMEs in India). No Existing Fund-Based Business Loan: The applicant should not be availing any fund-based business loan of revolving nature (like CC/OD) from any other Bank/Financial Institution. Credit Assessment: Based on pre-defined business rule engine and analytics, including trade-related credits in current accounts over the last 12 months. Credit Information Reports (CIR) are automatically generated and analyzed by the system. Security: Primary Security: Entire present and future current assets. Collateral Security: Guarantee Coverage under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) is to be obtained. CGTMSE charges are collected digitally from the borrower. Rate of Interest: Linked to RLLR (Repo Linked Lending Rate) plus a Business Specific Premium (BSP) and an additional margin. The exact rate varies based on scoring parameters. Documentation: Primarily done digitally through Aadhaar-based OTP. Offline document execution is required where e-sign and e-stamp facilities are not available. Charges: Processing Fee: Up to Rs. 5.00 Lakh: NIL Rs. 5.00 Lakh - Rs. 25.00 Lakh: 0.35% of loan amount + 18% GST. CIC Charges: Rs. 500 + GST (18%) for Commercial CIC and Rs. 100 + GST (18%) for Consumer CIC on a per hit basis. CGTMSE Fee: As per loan amount, borne by the borrower annually. Loan Account Opening: For existing PNB customers, the loan account is digitally opened in their base branch. For new customers, after sanction letter acceptance, the account is opened in a branch selected by the customer based on where they maintain their existing account in another bank. QR Code: A QR code is generated and delivered to the branch's and borrower's email ID (if available) for easy reference. How to Apply: PNB provides an online application portal for the Digi MSME Loan. You typically need to keep the following ready: PAN Aadhaar Mobile number linked with your current account Udyam Registration Number of your business This digital offering from PNB aims to provide quick and efficient financial support to eligible MSMEs, facilitating their growth and operational needs. For the most precise and up-to-date information, it's always recommended to visit the official PNB website or contact a PNB branch directly..
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অসংখ ধন্যবাদ আপনাকে, আমার এই পোস্ট টি দেখার জন্য,পোস্ট টি আপনার প্রয়োজনে লাগলে মন্তব্য করে জানাবেন। আপনার মন্তব্যের ফলে আমি আরো উৎসাহিত হবো। পরবর্তীতে আরো নতুন কিছু বিষয় সম্বন্ধে আপনাদের আরো বিশদ জানানোর প্রচেষ্টা করবো, আপনার একটি মন্তব্য আমার কাছে যথেষ্ট মূল্যবান।
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