Personal, home, vehicle & other loans

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.

Maximum financeNeed-based, up to ₹100 crore Tenure and renewalWorking-capital facility: one year, renewable annually. Term loan: maximum 12 years including moratorium up to 24 months; moratorium itself may be up to 24 months.Processing/upfront/documentation charges50% concession on applicable processing, upfront and documentation charges under PNB IRMD L&A circulars; exact base charge varies by the applicable circular and is not stated on the Coldware sheet.

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✓ Manually checked 6 Oct 2026 · active

Offered byPunjab National Bank

See the official bank source for geographic availability.

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Facility typesWorking-capital facility, term loan and non-fund-based bank-guarantee/letter-of-credit limits.View source

The sheet separately names WC, term-loan and non-fund facilities.

Source: PNB Coldware Secure: Scheme for Financing to Cold Storage/Warehouse Solutions
Page / section: p.1, Purpose and Repayment
Accessed: 6 Oct 2026
Confidence: high

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PurposeWorking capital for onward lending to farmers and cold-storage/warehouse operating expenditure; term finance for purchase, construction, expansion or modernization of agriculture/food cold storage and warehouses; plant, machinery, equipment and vehicles for business; other asset-creating purposes for the business; and non-fund bank-guarantee/letter-of-credit limits.View source

All five purpose items in the sheet are represented.

Source: PNB Coldware Secure: Scheme for Financing to Cold Storage/Warehouse Solutions
Page / section: p.1, Purpose, all clauses
Accessed: 6 Oct 2026
Confidence: high

Open official source ↗

Maximum financeNeed-based, up to ₹100 croreView source

The sheet says need-based with a maximum up to ₹100.00 crore.

Source: PNB Coldware Secure: Scheme for Financing to Cold Storage/Warehouse Solutions
Page / section: p.1, Extent of Loan
Accessed: 6 Oct 2026
Confidence: high

Open official source ↗

Tenure and renewalWorking-capital facility: one year, renewable annually. Term loan: maximum 12 years including moratorium up to 24 months; moratorium itself may be up to 24 months.View source

Working-capital renewal and term-loan maximum are distinct clauses.

Source: PNB Coldware Secure: Scheme for Financing to Cold Storage/Warehouse Solutions
Page / section: p.1, Repayment, all clauses
Accessed: 6 Oct 2026
Confidence: high

Open official source ↗

Processing/upfront/documentation charges50% concession on applicable processing, upfront and documentation charges under PNB IRMD L&A circulars; exact base charge varies by the applicable circular and is not stated on the Coldware sheet.View source

Current schedule lists 50% concession on applicable processing/upfront/documentation charges; do not represent this as a 50% fee or a rupee amount.

Source: PNB Credit Related Service Charges — current page
Page / section: Section 13.1, PNB Coldware Secure Scheme; p.1 Service Charges
Accessed: 6 Oct 2026
Confidence: high

Open official source ↗

Other scheme charges25% concession on applicable letter-of-credit and bank-guarantee commission. CERSAI, inspection, commitment and out-of-pocket charges remain payable under PNB IRMD L&A guidelines.View source

The current scheme-specific row provides 25% / commission concession and lists other charges as recoverable under the applicable guidelines.

Source: PNB Credit Related Service Charges — current page
Page / section: Section 13.1, PNB Coldware Secure Scheme
Accessed: 6 Oct 2026
Confidence: high

Open official source ↗

Takeover chargeNil charge in case of takeover from another bank/financial institution.View source

The product-specific row states nil charges in case of takeover; this does not waive other service charges.

Source: PNB Credit Related Service Charges — current page
Page / section: Section 13.1, PNB Coldware Secure Scheme; p.1 Service Charges
Accessed: 6 Oct 2026
Confidence: high

Open official source ↗

Benefits and features

50% concession on applicable processing, upfront and documentation charges
25% concession on applicable / commission; nil charge for takeover from another bank/FI

Eligibility

The reviewed one-page scheme sheet describes eligible purposes and facility scope but does not publish a detailed applicant-entity eligibility list or minimum-income threshold.
PNB states that working capital can be used for onward lending to farmers and operating expenses; term finance covers eligible storage/warehouse assets and related business purposes.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Coldware's one-page scheme sheet does not enumerate applicant documents. PNB's general agriculture checklist is not treated as an exhaustive Coldware/business borrower checklist.

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableSection / case

Working capital · Published termFor cold-storage units to lend onward to farmers and meet running expenditure of cold stores/warehouses.

This value is copied from PNB Coldware Secure — complete published loan and fee terms. Check the table notes before relying on it.

Source: PNB Coldware Secure: Scheme for Financing to Cold Storage/Warehouse Solutions · p.1, all clauses; current detailed charges cross-checked with PNB service-charge page §13.1 Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 12 rows · 2 columnsPNB Coldware Secure — complete published loan and fee termsFull transcription of the one-page PNB scheme sheet and its current product-specific charges, preserving facility distinctions.View tableHide table

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PNB Coldware Secure — complete published loan and fee terms
Section / case	Published term
Working capital	For cold-storage units to lend onward to farmers and meet running expenditure of cold stores/warehouses.
Term-loan purpose	Purchase, construction, expansion or modernization of cold stores and warehouses for agriculture/food produce.
Other asset finance	Plant, machinery, equipment and vehicles for business activity; other business asset-creating purposes.
Non-fund facilities	Bank guarantee and letter of credit limits.
Maximum finance	Need-based, up to ₹100 crore.
Working-capital term	One year, renewable annually.
Term-loan tenure	Maximum 12 years, including moratorium up to 24 months.
Moratorium	Up to 24 months.
Processing/upfront/documentation charges	50% concession on applicable charges under PNB IRMD L&A circulars; exact base charge depends on the applicable circular.
Takeover from another bank/FI	Nil charges under the Coldware-specific row.
/ commission	25% concession on applicable commission.
Other charges	CERSAI, inspection, commitment charges and out-of-pocket expenses are recovered under applicable PNB IRMD L&A guidelines.

PNB Coldware Secure: Scheme for Financing to Cold Storage/Warehouse Solutions · p.1, all clauses; current detailed charges cross-checked with PNB service-charge page §13.1 · accessed 6 Oct 2026Open official source ↗

Table 2 · 5 rows · 2 columnsPNB agriculture-credit maximum application-disposal scheduleBank-wide maximum schedule by applied credit limit; not a guaranteed individual sanction date.View tableHide table

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PNB agriculture-credit maximum application-disposal schedule
Credit limit	Maximum published time
Up to ₹2 lakh	2 weeks
Above ₹2 lakh to ₹50 lakh	4 weeks
Above ₹50 lakh to ₹1 crore	5–6 weeks
Above ₹1 crore to ₹100 crore	6–7 weeks
Above ₹100 crore	8–9 weeks

The guidance is a maximum disposal schedule, not a promise that a specific loan will be sanctioned within that time.

PNB General Guidelines for Agricultural Credit · Section 1, Time Schedule for Disposal of Loan Applications · accessed 6 Oct 2026Open official source ↗

Table 3 · 5 rows · 2 columnsPNB general agriculture-credit document checklistGeneral agriculture page checklist; it is not complete scheme/entity-specific KYC.View tableHide table

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PNB general agriculture-credit document checklist
Document	Published checklist item
Application	Duly filled agriculture-credit application form.
Identity	Self-attested identity proof.
Residence	Residence proof.
Photographs	Two recent applicant photographs.
Land	Land-record particulars.

Scheme sheets add or may require scheme-specific and entity-specific documents; do not treat this list as exhaustive.

PNB Agricultural Banking — documents required for agriculture loan · Documents Required for Agriculture Loan · accessed 6 Oct 2026Open official source ↗

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PNB Coldware Secure

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

PNB Advance against FCNR(B) Deposit

PNB Agriclinic and Agribusiness Centres Scheme

PNB Agriculture Infrastructure Fund Scheme

PNB Agriculture Marketing Infrastructure (AMI) Finance