Punjab National Bank Loans

Punjab National Bank, being one of the major public sector banks, offers a host of loan products to meet the needs of a variety of customers. Punjab National Bank loans are ideally designed to cater myriad requirements of the borrowers and all the loans come with flexible repayment terms and attractive interest rates.

About Punjab National Bank Loans

Punjab National Bank loans are available with one of the most competitive interest rates in India. The loans have been designed to meet the needs of individual clients, corporate clients, business sector clients and agriculturists. Given below are the different types of loan programs offered by Punjab National Bank to satisfy diverse financing needs of its clients:

Punjab National Bank Loans – Personal banking

The personal banking division of Punjab National Bank offers the following loan products:

• Educational loan scheme (Sarvottam Shiksha and Vidya Lakshapurt)
• Privilege Card Scheme
• PNB Financial Basket Scheme
• Personal Loan scheme for pensionholders
• Loan against mortgage of property
• Personal Loan
• Professional Loan
• Housing loan (PNB Flexible Housing Loan)
• Car finance
• Other credit schemes

Other credit schemes offered by Punjab National Bank can be categorized into the following types:

• Scheme for credit to self-employed individuals involved in small scale business.
• Scheme for credit to Road Transport Operators for purchasing of Buses and Truck and loans to proprietor-drivers of Car, Taxi, Diesel Jeep, Scooter, Tempos, Station Wagons and so on.
• Loan against own deposits of the Bank.
• Loans against Government securities, Indira Vikas Patras, Postal Securities, KVPs, Pensioner’s Benefit Scheme, Fixed Deposit Receipts of PNB Subsidiaries, Jewellery, UTI Units & other Mutual Funds and so on.
• Loans to individuals against Debentures/Stocks/Bonds.

Punjab National Bank loans – Social banking

The social banking division of Punjab National Bank offers the following loan programs:

Women

• Scheme for housewife and other women
• Mahila Udyam Nidhi Scheme

Farmers

• Agricultural Credit Schemes
• PNB Farmers Welfare Trust
• Krishi Card

The agricultural credit schemes launched by Punjab National Bank can be further categorized into the following types:

• Scheme for package loan to farmers (PNB Kisan Sampuran Rin Yojna)
• Scheme for financing under PNB Krishi Card (Kisan Credit Card)
• Credit against fixed deposit receipts, National Savings Certificates and Kisan Vikas Patra to farmers
• PNB Kisan Ichchha Purti Yojana
• Produce (marketing) loan scheme
• Credit against jewellery/gold ornaments to farmers
• Scheme for financing farmers for purchasing second hand tractors
• Farm mechanisation scheme - financing for purchase of agricultural equipments and renovation/maintenance of powertillers and tractors
• Scheme for financing farmers for purchase of trucks and other transport vehicles
• Scheme for financing minor irrigation
• Scheme for financing development of horticulture (flowers, fruits and vegetables) and plantation crops
• Scheme for financing self-propelled combine harvesters
• Scheme for financing agricultural graduates for establishing of agri-clinics and agri-business centres (ACABC)
• Scheme for financing forestry development programmes
• Scheme for financial assistance to agricultural graduates for purchase of land and performing agricultural operations
• Scheme for financing farmers for purchase of land for agricultural purpose
• Scheme for financing mushroom spawn production
• Scheme for financing mushroom farming
• Scheme for financing arhtiyas/commission agents/dealers, commission agents/ dealers and arhtiyas involved in distribution of poultry feed, cattle feed, dairy feed and so on against their paid-up stock
• Scheme for financing poultry farming
• Scheme for financing establishing of biogas units
• Dairy Vikas Card Scheme (applicable in chosen states)
• Scheme for financing fisheries development
• Scheme for financing dairy development programmes
• Scheme for financing piggery development
• Scheme for financing goat/sheep rearing/breeding activities
• Scheme for financing purchase of animal drawn vehicles i.e. Carts and draft animals
• Scheme for financing apiculture (bee-keeping)
• Scheme for financing kitchen gardening
• Scheme for financing sericulture
• Scheme for financing green houses
• PNB General Credit Card (GCC)
• PNB Kalyani Card Scheme
• PNB Krishak Sathi Scheme (Kss)
• Scheme for financing solar energy lighting system (SELS)

Punjab national bank loans – Corporate banking

The corporate banking division of Punjab National Bank offers the following loan schemes:

• Gold card scheme for exporters
• Loan Against Future Lease Rentals
• EXIM Finance

Punjab National Bank - Business sector banking

The business sector banking division of Punjab National Bank offers the following loan products:

SSI Sector

• PNB Pragati Udhami
• PNB Kushal Udhami
• PNB Laghu Udhami Credit Card
• PNB Vikas Udhami
• PNB Karigar Credit Card
• Sarthak Udhami
• SSI Charter