agriculture: + 2.70%. The agricultural spread's linked microfinance-cap schedule footnotes the ₹2.70% route for NRLM/SRLM schemes repayable beyond 3 years
the current product-specific table does not repeat that qualifier, so confirm the applicable agriculture route at sanction.
8.35% effective 8 October 2026. effective 1 October 2026: overnight 8.00%, 1 month8.25%, 3 months8.50%, 6 months8.65%, 1 year8.80% and 3 years9.10%. These are benchmark values
they are not the scheme's + all-in rate.
Maximum ₹1,00,000.
Maximum 36 equal monthly instalments. PNB permits monthly, quarterly or half-yearly repayment periodicity according to borrower requirements.
PNB's scheme sheet requires actual or projected annual household income up to ₹3,00,000. The defines a household as husband, wife and their unmarried children.
Actual or projected annual household income up to ₹3,00,000. PNB defines a household as husband, wife and unmarried children. Total repayments on every existing household loan plus the proposed loan, including principal and interest, must be no more than 50% of monthly household income
no new loan is provided while the household is above this limit.
Value awaiting review
No prepayment penalty or foreclosure charge on a microfinance loan to a household borrower. PNB's tariff exception is for loans to -
it does not describe the household product in this scheme.
PNB's SVANidhi page, last updated 17 January 2026, quotes a starting rate of 10.25% p.a. linked to . PNB's is now 8.35% effective 8 October 2026, but the scheme page does not publish a spread
10.25% is retained as the last published quote, not recalculated or confirmed as repriced.
8.35% effective 8 October 2026. PNB's SVANidhi page does not state a product-specific spread.
1st tranche: up to ₹15,000
2nd tranche: up to ₹25,000
3rd tranche: up to ₹50,000.
1st tranche: 12 months
2nd tranche: 18 months
3rd tranche: 36 months.
Value awaiting review
Street vendors vending in various city-regions
minimum age 18 years. Government defines a vendor as a person selling goods or offering services to the public from a street, footpath, pavement or similar temporary/mobile location. A valid LoR or CoV is an application route
timely/early repayment qualifies for the next enhanced tranche.
No processing fee or documentation charge on PNB's published SVANidhi page.
Value awaiting review
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
