Nationalised / public-sector banks
Punjab National Bank
Punjab National Bank is an Ideal destination for all Banking need! PNB offer a wide range of personal banking services including loans, credit cards, savings account, fixed deposits and insurance to meet customer needs.
No product claims are published until official pages and controlling documents have been checked.
Official catalogue
Products and services
Insurance
Compare category →PNB–Bajaj General Insurance Portfolio
Fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel and household-goods insurance. Distributed by PNB as a corporate-agent partner portfolio.
PNB–Care Health Insurance Portfolio
Stand-alone health insurance products and customised health insurance products for PNB customers. Distributed by PNB as a corporate-agent partner portfolio.
PNB–Chola MS General Insurance Portfolio
Fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel and household-goods insurance. Distributed by PNB as a corporate-agent partner portfolio.
LIC Life Insurance Portfolio through PNB
Endowment assurance, money-back, whole-life, term, Aadhaar-based, pension, health and plans. Distributed by PNB as a corporate-agent partner portfolio.
PNB MetLife Life Insurance Portfolio
Child education, term insurance, long-term savings and retirement plans. Distributed by PNB as a corporate-agent partner portfolio.
PNB–Oriental General Insurance Portfolio
Fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel and household-goods insurance. Distributed by PNB as a corporate-agent partner portfolio.
PNB–Star Health Insurance Portfolio
Stand-alone health insurance products and customised health insurance products for PNB customers. Distributed by PNB as a corporate-agent partner portfolio.
Personal, home, vehicle & other loans
Compare category →PNB Advance against FCNR(B) Deposit
A deposit-backed loan for , generally based on a percentage of an (B) deposit. PNB publishes maturity-based margins, a 1–5-year tenure range, and separate rupee and foreign-currency pricing routes.
PNB Agriclinic and Agribusiness Centres Scheme
Need-based finance for eligible agriculture graduates and other listed candidates setting up farm-advisory clinics or agribusiness service centres.
PNB Agriculture Infrastructure Fund Scheme
Term finance for eligible post-harvest infrastructure and community-farming assets, with project-cost-based limits, a published margin schedule and interest subvention on eligible lending.
PNB Agriculture Marketing Infrastructure (AMI) Finance
Need-based finance for agricultural marketing and post-harvest infrastructure. AMI subsidy applications and new sanctions are in abeyance pending fresh budget allocation; PNB's older linked percentage/cap table is preserved as historical reference, not a currently available benefit.
PNB Scheme for Financing Apiculture (Bee-Keeping)
Need-based finance for honey houses, bee colonies and beekeeping equipment. PNB requires adequate beekeeping experience and a minimum unit of 10 hives; repayment is 5 years including a 12-month gestation period.
PNB Bhandaran: Finance Against Physical Warehouse Receipts
Finance against physical warehouse receipts for eligible farmers, food/agro manufacturers and traders. The published amount limits and demand-loan/cash-credit terms differ by borrower segment.
PNB Scheme for Financing Biogas Units
Need-based finance for a rural biogas plant with sanitary-latrine facilities. Repayment is 7 years for plants up to 5 m³ and 5 years for larger plants.
PNB Cold Storage and Horticulture Storage Finance
Need-based term finance for constructing, expanding or modernizing cold storage and horticulture-produce storage. PNB's linked subsidy sheet predates August 2026 guideline amendment; its current subsidy values and new-application status need confirmation.
PNB Coldware Secure
PNB finance for cold-storage and warehouse businesses, including working capital, term finance and non-fund limits. Maximum finance is ₹100 crore; term loans can run up to 12 years, and the bank publishes scheme-specific fee concessions.
PNB Scheme for Financing Combine Harvesters
Term finance for a combine harvester used by farmers, custom-service operators, state agriculture farms or eligible land-development corporations. The bank assesses the amount against verified equipment cost and publishes a five-to-seven-year repayment period.
PNB Financing to Farmers / Producers under Contract Farming
Working-capital and/or term finance for a farmer or producer growing specified crops or commodities under a forward agreement with a buyer.
PNB Financing to Custom Hiring / Service Units
Finance for custom-hiring or service units that maintain farm machinery and provide contracted work to farmers. PNB offers need-based term-loan and working-capital facilities with published margin and repayment rules.
PNB Scheme for Financing Dairy Development Programmes
Need-based finance for milch animals, calf rearing, sheds, fodder and milk-processing infrastructure. PNB describes a viable unit as 2 milch animals and links repayment to the lactation period.
PNB Differential Rate of Interest (DRI) Scheme
Concessional 4% p.a. credit for productive activities, subject to small-landholding and low family-income limits. The scheme requires no collateral or third-party guarantee.
PNB Scheme for Purchase of Animal-Drawn Vehicles and Carts
Need-based finance to buy draft animals and animal-drawn carts for transporting farm inputs and produce. PNB publishes animal-age, land-eligibility and repayment rules, with repayment ranging from 4 to 7 years by animal/
PNB e-GODAM Scheme
Demand-loan and cash-credit finance against electronic Negotiable Warehouse Receipts. The scheme sheet publishes a minimum 25% margin, maximum 12-month tenure, pledged e-NWR security and credit-risk-rated pricing.
PNB e-OD Against Fixed Deposit
An overdraft credit line against one eligible PNB fixed deposit, available digitally from ₹25,000 up to ₹50 lakh with a rate one percentage point above the linked deposit rate.
PNB Estate / Orchard Purchase Loan
Term finance for buying yielding plantation estates or orchards, including eligible stamp duty and registration costs. PNB publishes a maximum of ₹2 crore, minimum 40% margin and repayment within 7–10 years.
PNB Loan for Farm House Construction
PNB finances construction or repair of a farmhouse and related agricultural utility structures, with a construction ceiling of ₹15 lakh, repair cap of ₹5 lakh within that overall ceiling, 20% margin, and repayment capped by 20 years or age 70 for construction.
PNB Farm Mechanisation Scheme
Finance for new or second-hand tractors, power tillers, matching implements, farm machinery and eligible tractor repairs. PNB also publishes a separate tractor-finance route without mortgage of land, with its own margin, security and repayment conditions.
PNB Financing to Farmer Producer Companies and Organisations
PNB offers need-based working-capital and term finance through two published routes: an scheme under the Equity Grant and Credit Guarantee Fund framework, and a scheme for registered under any statute.
PNB Vehicle Loan for Farmers / Agriculturists
Finance for a new farm-use vehicle: up to ₹1 lakh for a two-wheeler, ₹3 lakh for a three-wheeler carrier or ₹15 lakh for a four-wheeler LMV. The sets vehicle-class-specific land, income, margin and repayment rules.
PNB Farmers' Trucks and Other Transport Vehicle Loan
Need-based finance for farmers buying new trucks and other new transport vehicles for agricultural inputs or produce. The PNB sheet publishes land thresholds by vehicle class and repayment up to 60 months, extendable to 72 months by Circle Heads.
PNB Scheme for Financing Fisheries Development
Need-based finance for inland, brackish-water and marine fisheries projects. The scheme covers ponds, fish seed, feed, equipment, boats and marine working capital, with different repayment periods by project and vessel type.
PNB Forestry Development Finance
Need-based finance for forestry nurseries and plantations, including land development, irrigation, inputs and labour. Tree-growing loans may run for up to 15 years including a maximum 6-year grace period.
PNB Scheme for Financing Greenhouses
Need-based finance for greenhouse/polyhouse construction, equipment, inputs, post-harvest work and marketing. PNB publishes separate term-loan and -repayment periods.
PNB Horticulture and Plantation Crops Finance
Need-based finance for fruit, plantation, spice, ornamental and medicinal crops; rejuvenation, vegetables, flowers, intercropping, greenhouse facilities and crop marketing. The sheet sets a separate cap for the marketing-loan component.
PNB Insta Loan against Securities (Mutual Fund)
PNB lists an advance against mutual-fund units with a rate formula of + or + 3.50 percentage points p.a. The linked e-LAS service is currently withdrawn; PNB directs customers to their home branch for offline access until it is reinstated.
PNB Financing to Joint Liability Groups
Need-based agriculture credit to groups of 4–10 members, using individual lending or a group loan backed by mutual undertaking.
PNB Kisan Samriddhi Yojana
PNB agriculture and allied-activity credit for production, investment, rural housing and specified household needs. The published maximum is ₹10 crore, subject to a lower limit based on borrower income and mortgaged-land value.
PNB Krishak Saathi Scheme
A term loan to help eligible farmers repay outstanding dues to moneylenders. The published maximum is ₹1 lakh, repayable over 5–7 years with up to 12 months' moratorium.
PNB Krishak Unnati Yojana
A five-year umbrella cash-credit limit combining crop-production credit with a second limit for agricultural and allied development.
PNB Krishi Bhu-Swami Agri-Land Purchase Scheme
Term finance to buy and cultivate agricultural, fallow or wasteland. The states an extent of ₹20 lakh and specifies a valuation basis; it does not label that figure a universal sanctioned maximum.
PNB Personal Loan for LIC Employees
A personal loan for confirmed employees, up to 24 times gross monthly salary capped at ₹20 lakh, with nil margin, processing and prepayment fees.
PNB Microfinance Loan Scheme
Collateral-free household finance for consumption or personal needs, farm activities, food/
PNB Minor Irrigation Finance
Need-based finance for pumpsets, wells, borewells, sprinkler/drip systems, solar pumps and other listed irrigation facilities. Repayment and gestation vary by facility type.
PNB Mushroom Cultivation and Spawn Production Finance
One PNB scheme sheet covers two linked facilities: mushroom cultivation and mushroom-spawn production. Cultivation repayment is up to 7 years including 6 months' gestation; spawn-production repayment is up to 7 years including 1 year's gestation.
PNB Financing to SHGs under NRLM
Cash-credit and term-loan support for eligible , with drawing-power/dose rules linked to group corpus, repayment history and the micro-credit plan.
PNB Scheme on Organic Farming and Organic Inputs
Need-based cash credit in the form of a Kisan Credit Card and/
PNB Scheme for Piggery Development
Need-based finance for pig breeding or rearing, housing, equipment, fencing, electricity, feed and medicine. PNB gives a usual unit of 1 boar and 3 sows, limits feed/
PNB PM KUSUM Scheme — Solar Energy
PNB term finance for -KUSUM solar projects. Component A has a published maximum of ₹10 crore; Components B, C (IPS) and C2 (FLS) are need-based. Tenure, security, eligibility and documents differ by component.
PNB PM SVANidhi Loan Scheme
Collateral-free working-capital term finance for eligible street vendors. PNB publishes maximum amounts of ₹15,000, ₹25,000 and ₹50,000 for the first, second and third tranches, with 12-, 18- and 36-month tenures; the bank page quotes a starting -linked rate of 10.25% p.a.
PNB PMAY-U 2.0 Home Loan
Home finance aligned to 2.0 Interest Subsidy Scheme, with up to ₹25 lakh finance and up to ₹1.80 lakh interest subsidy for eligible households.
PNB PMFME Scheme
Need-based credit for upgrading micro food-processing enterprises, with a credit-linked subsidy and separate assistance for eligible groups.
PNB Baghban Reverse Mortgage
A reverse-mortgage facility that pays regular monthly instalments against an unencumbered self-occupied home, up to ₹1 crore including interest, for senior-citizen living expenses.
PNB Car Loan
Finance for new or used private-use cars, with separate new/
PNB Combo Car Loan
New-car finance linked to a PNB housing loan, with up to 90% of on-road cost and repayment capped by the remaining housing-loan term or 84 months.
PNB Concessional Education Loan for Persons with Disabilities
Need-based higher-education finance up to ₹50 lakh for students with 40% or more disability, at 4% p.a. under the NHFDC-linked scheme.
PNB Digi Credit Risk Guarantee Home Loan
A PNB home-loan scheme for low-income urban borrowers, including people with regular digital income footprints but limited documented income.
PNB Digi Home Loan
A paperless digital home loan for eligible housing purposes, with finance up to ₹10 crore and a two-year requirement.
PNB Digi Saarthi Pre-Approved Two-Wheeler Loan
A pre-approved, digital two-wheeler loan for eligible existing PNB customers. The public Digi Saarthi page lists 11.10% , finance up to 90% of on-road price and nil upfront, processing and documentation charges.
PNB Digital Car Loan
A digital route for a new car, van, jeep, or , with ₹1 lakh–₹1 crore finance and a ₹25,000 monthly income threshold.
PNB Digital Education Loan
Paperless PNB Vidyalaxmi education finance for eligible study in India. The current rate sheet lists institute-group rates from 6.85% to 8.60% p.a.; margin, course and institute rules apply.
PNB Digital Gold Loan
A digital loan against pledged gold jewellery or ornaments, from ₹25,000 to ₹25 lakh for retail borrowers and ₹10,000 to ₹25 lakh for agriculture borrowers.
PNB Doctor's Delight Personal Loan
A professional personal loan for doctors, from ₹2 lakh up to ₹20 lakh or 24× monthly gross income, with a published ₹5 lakh minimum gross annual income.
PNB Gen-Next Housing Loan
A housing loan for salaried Gen-Next borrowers aged up to 40, with a ₹35,000 minimum net monthly salary, 30-year repayment and need-based finance.
PNB Gold Loan
Loan against pledged gold jewellery, ornaments or eligible coins for personal, non-agricultural or agricultural purposes, with bullet, and overdraft variants.
PNB Green Car (E-Vehicle) Loan
PNB electric-car finance covers a new car and reimbursement within 3 months, with up to 120 and income-linked limits.
PNB Housing Loan for Public
Housing finance for construction, purchase, plot purchase, additions, repairs, renovation and furnishing, with limits, margins and repayment periods varying by purpose.
PNB Honhaar Education Loan
Need-based education finance up to ₹10 lakh for eligible Delhi courses. Applicants must meet the Delhi schooling and admission conditions; PNB publishes a 10.10% p.a. floating rate.
PNB Housing Finance Scheme for NRIs and OCIs
Rupee housing finance for eligible /
PNB Insta Vehicle Loan
A term vehicle loan for eligible existing PNB home-loan borrowers, with up to 90% on-road finance capped at ₹10 lakh.
PNB Kaushal Skill Development Loan
A skill-development loan from ₹5,000 to ₹7.5 lakh for eligible vocational and technical courses, with nil security and repayment bands up to seven years.
PNB Kisan Credit Card (KCC)
Revolving crop and allied-activity credit for cultivation, post-harvest needs, marketing, household consumption and farm investment. PNB's May 2026 guideline sets a need-based ceiling up to ₹10 crore, with limits assessed by the published scale-of-finance rules.
PNB Krishi Tatkal Rin
An emergency agriculture term loan based on 25% of an existing PNB or Kisan Samriddhi limit, from ₹1,000 to ₹1 lakh, with five annual instalments beginning after the first 12 months.
PNB Matritva Personal Loan
A term personal loan for hospital expenses and maternity care from two months before expected delivery to three months after childbirth, with ₹25,000–₹3 lakh finance and up to 72 .
PNB Max-Saver Housing Loan
A housing-loan overdraft variant that lets borrowers deposit surplus cash and withdraw up to the monthly-reducing drawing power.
PNB my Property Loan
A term-loan or overdraft facility against an eligible non-encumbered property, from ₹2 lakh to ₹5 crore, with income and property-value based assessment.
PNB Car Loan for NRIs
Vehicle finance for eligible buying a new car, van, jeep, electric vehicle, or in India, with a published gross-income threshold and up to 84 monthly instalments.
PNB Personal Loan for Pensioners
Personal-needs loan for PNB pensioners from ₹25,000, with age-banded limits up to ₹10 lakh and repayment up to 60 or age 78.
PNB Personal Loan for Public
Personal finance for salaried employees of government, and reputed employers, with PNB salary-account or check-off routes. Finance is up to 24 times gross monthly salary, capped at ₹20 lakh, subject to repayment capacity.
PNB Personal Loan for Self-Employed
Personal loan for listed self-employed professionals with gross annual income of at least ₹6 lakh in each of the last 2 years, CIC score 750+, and a satisfactory PNB savings/
PNB PM CARES Education Loan
Education finance for identified CARES for Children beneficiaries. New enrolment was limited to 29 May–31 December 2021; the scheme is expected to support identified beneficiaries until they turn 23.
PNB Power Ride Two-Wheeler Loan
PNB financing for women buying a new scooter, motorcycle, moped or scooterette, with up to ₹60,000 and a 36-month repayment term.
PNB Pratibha Education Loan
Education loan for eligible premier institutes in India. For loans above ₹7.50 lakh, current floating rates are 6.95%–7.85% p.a. by institute group; fixed rates vary by institute and repayment period.
PNB Pre-Approved Personal Loan
A digital, paperless pre-approved personal loan with ₹25,000 minimum and up to ₹20 lakh for eligible salary customers.
PNB Pride Car Loan
PNB's concessional car-loan route for qualifying government, defence, paramilitary and employees and government pensioners.
PNB Pride Housing Loan for Government Employees
A separately listed PNB housing-loan scheme for government employees, Defence and Para Military Forces personnel, and Central/State Government pensioners. The product page links its core housing terms to PNB Housing Loan for Public and gives a separate rate/fee treatment.
PNB Rooftop Solar Loan (PM Surya Ghar)
Finance for a new residential rooftop system up to 10 kW. PNB publishes ₹2 lakh up to 3 kW and ₹6 lakh above 3–10 kW. Floating is 5.75% up to ₹2 lakh and 7.25%–9.85% above it; fixed for the higher band is 8.25%–10.85%, based on and PNB home-loan relationship. Maximum tenure is 10 years including a six-month moratorium.
PNB Saarthi Two-Wheeler Loan
Finance for new scooters, motorcycles, scooterettes and mopeds, with maximum amounts and repayment periods varying by vehicle class.
PNB Sahyog Personal Loan
PNB Sahyog is a separately named personal-loan scheme for public borrowers and agents. Its publishes borrower-specific take-home thresholds, finance limits and repayment; a current rate sheet varies pricing by borrower class and band.
PNB Saraswati Education Loan
Education loan for higher education in India. Current floating rates are 8.10%–10.10% p.a. for the listed medical, collateral-backed and CGFSEL routes; the student and security conditions determine the applicable band.
PNB Swaagat Personal Loan
A digital, branch-free personal loan for new-to-PNB salaried customers, from ₹25,000 up to ₹10 lakh, with repayment up to 72 months or age 60.
PNB Udaan Education Loan
Education loan for eligible higher education abroad. Current floating rates are 8.10%–10.10% p.a. across the published medical, top-50-institute, collateral-backed and CGFSEL bands; fixed rates depend on student category and tenure.
PNB Financing Poultry Farming
Investment credit for poultry sheds and equipment plus production credit for chicks, feed and medicines. The sheet separates subsidiary units from commercial main-activity farms and gives distinct repayment terms for layers and broilers.
PNB Scheme for Financing Seed Producers / Processors
Need-based term and working-capital finance for seed processing units and outsourced seed multiplication.
PNB Scheme for Financing Sericulture
Need-based finance for mulberry cultivation, silkworm rearing and related non-farm sericulture activities, with repayment over 4–9 years including a grace period depending on the activity financed.
PNB Scheme for Sheep and Goat Breeding or Rearing
Need-based finance to buy recognised sheep or goat breeds and fund breeding/
PNB Swarnim Agriculture Gold Loan
Agriculture-purpose credit against pledged gold ornaments, jewellery or gold coins, available as bullet demand loan, demand loan or overdraft.
PNB Scheme for Tea Financing
PNB offers term finance for tea acquisition, estate quarters, plantations and eligible mini-factories, plus working capital, export credit, non-fund limits and bank guarantees. The scheme sheet normally caps combined exposure at 75% of tea-estate value and requires a mortgage of the estate unless exempted.
PNB Wasteland Development Finance
Need-based finance for reclaiming and improving wasteland. The same PNB sheet also describes PNB Gram Uday, a separate term-loan component capped at ₹1 lakh.
Business, & agriculture finance
Compare category →PNB Arhatia Scheme
A working-capital overdraft for licensed commission agents/
PNB Artisan Credit Card
Term-loan and cash-credit support for artisans, stated up to ₹2 lakh, with nil margin at that limit, hypothecation of business assets and cover instead of collateral/
PNB Bill Financing
Advances against inland bills through purchase, discounting or collection; PNB also names bills supported by railway or motor-transport receipts, government-supply bills, third-party demand drafts and cheques.
PNB Compressed Bio Gas (CBG) under SATAT Scheme
Project finance for setting up a compressed bio-gas plant under SATAT, with a minimum ₹1 crore loan, minimum 2-tonne/
PNB Short Term Loan for Corporate Customers
Short-term finance for business exigencies of reputed and corporate customers, with a published maximum period of 12 months.
PNB Corporate Term Loans
Term loans for capital expenditure to set up/start an industrial unit or new business, and for business expansion.
PNB Digi MSME Loan
Paperless PNB finance for eligible micro and small enterprises, with overdraft and term-loan options up to ₹10 lakh or up to ₹25 lakh on credit-summation assessment.
PNB e-GST Express Loan (Digi MSME Prime)
Digital -return-based cash-credit facility from ₹10 lakh to ₹10 crore, assessed from sales and supported by or collateral security.
PNB e-Dealer Scheme for IOCL
Invoice-backed working-capital cash credit for authorized exclusive Petroleum Division dealers, up to ₹2 crore, with collateral requirements linked to dealership tenure.
PNB Expo Gold Card Scheme for Exporters
Export-credit facility with a three-year in-principle limit, automatic renewal subject to terms and a 20% standby limit for eligible exporters.
PNB Export Finance
Fund-based and non-fund-based credit before and after shipment, with published rupee and foreign-currency rate formulas that vary by stage, tenor and internal risk grade.
PNB Scheme for Financing to Start-Up
Startup finance from ₹1 crore to ₹50 crore for eligible innovation or scalable businesses, through cash credit, term loan, overdraft and non-fund-based /
PNB Financing Against Future Receivables
Finance against assured future receivables for business needs; PNB names education institutions, BPO/KPO businesses and BOT road-project toll/annuity receivables as examples.
PNB GeM Sahay Scheme
Short-term overdraft or term finance against confirmed Government e-Marketplace purchase orders; ₹25,001–₹5 lakh per order, capped at ₹20 lakh per borrower, with up to 80% of the order value financed.
PNB General Credit Card Scheme
Need-based revolving cash-credit for individuals carrying out eligible non-farm entrepreneurial activity, up to ₹10 lakh, repayable within 12 months under the scheme's account-credit conditions.
PNB Growth Plus Scheme
Working-capital finance from ₹10 lakh to ₹2 crore, assessed from sales or account credits, with -linked pricing and or collateral-security routes.
PNB GST Sahay
A short-term demand loan against a invoice for a B2B buyer or seller: ₹10,000 minimum, up to ₹2 lakh per invoice and ₹10 lakh per borrower, repayable in 90 days.
PNB Innovate Scheme
Startup finance above ₹20 lakh and up to ₹50 crore for eligible innovation or scalable businesses, through cash credit, term loan, overdraft or /
PNB Laghu Udyami Credit Card
Revolving cash-credit for eligible small businesses, traders, artisans, micro/
PNB Loan Against Future Lease Rentals
A term loan or overdraft against assigned rent from eligible leased commercial property; repayment is capped at 144 months or the assessed lease period, whichever is earlier.
PNB Mahila Udyami
Term loan and overdraft for women-led income-generating manufacturing, service, trading or small-business activities, up to ₹10 lakh, for new units, expansion, modernization, fixed assets or working capital.
PNB MSME Prime Plus — Construction & Mining Equipment
A distinct Prime Plus term-loan parameter set for construction and mining equipment, above ₹20 lakh and up to ₹50 crore, repayable over up to 84 months.
PNB MSME Prime Plus Scheme
Fund-based and non-fund-based working capital, plus term finance for fixed assets, above ₹20 lakh and up to ₹100 crore. Pricing varies by internal risk rating and collateral coverage.
PNB Project Finance and Infrastructure Finance
Fund-based and non-fund-based finance for new projects and expansion, diversification or modernization of existing infrastructure and non-infrastructure projects.
PNB Sampatti Scheme
Need-based business finance through overdraft, term-loan and non-fund facilities, secured against eligible property; the scheme sheet publishes assessment, , tenure and fees.
PNB Sanjeevani Scheme
Finance for healthcare facilities, medical equipment, vehicles and working capital. The current scheme sheet caps total facilities at ₹10 crore for individuals and ₹50 crore for non-individual medical centres, with separate working-capital sublimits.
PNB Shikhar Scheme
credit for Jammu and Kashmir and Ladakh, with term, working-capital/
PNB Solar Energy Scheme
A business term loan for grid-connected rooftop or ground-mounted solar used by an existing enterprise. No minimum amount is prescribed; the maximum is need-based, with minimum 20% margin and a 10-year maximum term.
PNB Stand By Line of Credit for MSMEs
A demand loan for an existing unit's temporary liquidity mismatch. The facility is 25% of existing working-capital limits, capped at ₹1.25 crore, and must be repaid within 12 months.
PNB Tatkaal
Working-capital cash credit or term loan for business expansion and fixed assets, from ₹1 lakh to ₹25 lakh; property purchase/
PNB Transport Scheme
Commercial RTO-registered vehicle finance with a term loan up to ₹5 crore and a separate overdraft of ₹50,000 per PNB-financed vehicle, capped at ₹10 lakh per borrower.
PNB e-PM Vishwakarma Scheme
Collateral-free, portal-based credit for eligible traditional artisans, with two stated working-capital demand-loan tranches: up to ₹1 lakh for 18 months and up to ₹2 lakh for 30 months. PNB's page states a 5% rate for standard accounts after Ministry interest subvention.
PNB Weaver Mudra Card
Working-capital overdraft/
PNB Working Capital Financing
Short-term finance for operating expenses, inventory and receivables through funded facilities, letters of credit and bank guarantees.
Credit cards
Compare category →PNB BLISS Credit Card
A PNB BLISS RuPay Platinum card with ₹510 annual fee waived at ₹1 lakh annual spends and recurring shopping, mobility, wellness, entertainment and subscription benefits.
PNB EaseMyTrip RuPay Platinum Credit Card
A RuPay Platinum travel co-brand card with ₹2,000 joining and annual fees (annual fee waived above ₹1 lakh prior-year spends), ₹3,000 EaseMyTrip welcome value, 10% flight discounts and lounge access.
PNB Kiwi RuPay Select Co-branded Credit Card
A Kiwi RuPay Select co-brand card with ₹2.50 lakh gross annual income requirement, ₹750 annual fee, 0.5% online and 1.5% scan-and-pay cashback in Kiwis, and monthly partner offers.
PNB Metal Credit Card LUXURA RuPay Ekaa
A premium RuPay Ekaa metal card for customers with ₹1.50 lakh monthly salary or ₹18 lakh annual income, ₹9,000 joining fee and ₹7,500 annual fee plus , unlimited lounge access and 4 points per ₹100.
PNB Metal Credit Card LUXURA Visa Infinite
A premium Visa Infinite metal card with ₹1.50 lakh monthly salary or ₹18 lakh annual income requirement, ₹4,999 joining fee and ₹1,999 annual fee plus , unlimited lounge access and 4 points per ₹100.
PNB Patanjali RuPay Platinum Credit Card
A Patanjali co-branded RuPay Platinum card with nil joining and annual fee when used quarterly, 1 point per ₹100, ₹2% Patanjali-store cashback and 5–7% recharge cashback.
PNB Patanjali RuPay Select Credit Card
A Patanjali co-branded RuPay Select card with ₹500 joining fee, ₹750 annual fee waived by quarterly use, 2% Patanjali-store cashback over ₹2,500 (capped at ₹50 per transaction), and 5–7% recharge cashback.
PNB PM SVANidhi UPI-linked RuPay Credit Card
A -linked RuPay credit-card facility described by PNB for SVANidhi borrowers eligible for the third loan tranche. PNB publishes a starting limit of ₹10,000, a maximum of ₹30,000 and five-year validity; card-specific fees and finance terms need a separate PNB source review.
PNB Rakshak RuPay Platinum Credit Card
A Rakshak RuPay Platinum card with nil joining fee, ₹500 annual fee waived by quarterly use, 1 point per ₹100 and ₹2 lakh insurance cover.
PNB Rakshak RuPay Select Credit Card
A Rakshak RuPay Select card with nil joining fee, ₹750 annual fee waived by quarterly use, 2 points per ₹150, lounge access and ₹10 lakh insurance cover.
PNB RuPay Millennial Credit Card
A RuPay youth card with ₹399 joining fee, ₹999 annual fee (waived at ₹1 lakh annual spends), ₹50,000–₹10 lakh regular limits and lifestyle benefits.
PNB RuPay Platinum Credit Card
A RuPay Platinum card with ₹500 annual fee waived by quarterly use, 1 point per ₹100 and up to ₹2 lakh RuPay insurance cover.
PNB RuPay Select Credit Card
A RuPay Select credit card with ₹500 joining fee, quarterly-use annual-fee waiver, 2 reward points per ₹150, lounge access, utility/
PNB Salary RuPay Platinum Credit Card
A lifetime-free RuPay Platinum card for PNB Excel salary-account holders with gross monthly income above ₹25,000, quarterly lifestyle vouchers, 4 domestic and 1 international lounge visit per year, and ₹2 lakh accident cover.
PNB Salary RuPay Select Credit Card
A RuPay Select card for PNB Optima and Imperial salary-account holders with gross monthly income above ₹75,000, 8 domestic and 2 international lounge visits per year, and ₹2 lakh accident cover.
PNB Visa Classic Credit Card
An all-purpose Visa Classic card with nil joining and annual fees, 1 point per ₹100 and fuel-surcharge waiver.
PNB Visa Gold Credit Card
An all-purpose Visa Gold card with nil joining fee, ₹300 annual fee, ₹3.50 lakh minimum gross annual income and 1 point per ₹100.
PNB Visa Platinum Credit Card
A Visa Platinum card with ₹500 annual fee, spend-and-usage waiver conditions and 2 points per ₹150.
PNB Visa Signature Credit Card
A premium Visa Signature card with ₹1,500 joining fee, ₹2,000 annual fee (waived at ₹3 lakh annual spends), ₹7.50 lakh minimum gross annual income and domestic lounge and concierge benefits.
PNB Wave & Pay Credit Card
A contactless Visa Platinum card using tap-to-pay within 2 cm, with ₹5,000 single-tap limit, ₹6,000 daily no- limit and PNB Visa Platinum fees and rewards.
Banking, wealth, forex & trade services
Compare category →PNB Corporate Internet Banking
Corporate portal for bulk and scheduled payments, salary files, tax and fee payments, trade-related services and multi-user approvals.
PNB Merchant Acquiring Business
Merchant-acquiring infrastructure for card, and Aadhaar-enabled payments through PNB's branch network, with , Bharat/ and internet payment gateway options.
PNB ONE Mobile Banking
PNB's unified mobile app for balances, transfers, , deposits, digital loans, bill payments, card controls and service requests.
PNB Retail Internet Banking
Anytime internet banking for PNB customers, with fund transfers, bill payments, / opening, cheque controls, card services and product applications.
PNB SMS Banking
Keyword-based account tracking and service requests over , including balance, mini statement, cheque status, stop payment and self-transfer up to ₹5,000 daily.
PNB Banking Services through WhatsApp
Verified WhatsApp banking on +91-9264092640 for account queries, cheque services, and e-statements, plus selected services for non-account holders.
Savings, current & salary accounts
Compare category →PNB Grow Saving Account
A minor savings account with zero minimum balance, free Master Grow Platinum debit card and published , and contactless limits.
PNB Rise Saving Account
A zero-balance youth account for ages 18–28 with a free Master Rise Platinum debit card, high daily limits and lifestyle offers.
PNB Women Power Emerald Savings Account
PNB Women Power Emerald savings account with ₹25,000 , ₹15 lakh personal-accident cover, ₹30 lakh air-accident cover, wellness benefits and airport lounge access.
PNB Women Power Pearl Savings Account
PNB Women Power Pearl savings account with ₹10,000 , accident and cancer covers, RuPay Women Pearl Platinum card, family zero-balance accounts and lifestyle offers.
PNB Women Power Solitaire Savings Account
PNB Women Power Solitaire savings account with ₹50,000 , ₹20 lakh personal-accident cover, ₹40 lakh air-accident cover, two annual lounge visits and premium lifestyle benefits.
Fixed & recurring deposits
Compare category →PNB Growth Fixed Deposit Scheme
A large-value flexible fixed deposit from ₹3 crore to ₹10 crore with 7–120 month maturity/
PNB Ordinary Term Deposit Scheme
A callable term deposit open to individuals, entities and institutions from ₹100 to ₹2,99,99,999 for 7–179 days, with demand-loan/
PNB Tax Shield Fixed Deposit Scheme
A five-year tax-saving fixed deposit with ₹100 minimum and ₹1.50 lakh annual maximum, no premature withdrawal before five years except death, and published senior/
Debit, prepaid, forex & payment services
Compare category →Primary registry evidence
Reserve Bank of India directory
The RBI directory establishes the institution’s classification and registry identity. Product availability and terms are checked separately on the bank’s current India operation.