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Business, & agriculture finance

PNB Corporate Term Loans

Term loans for capital expenditure to set up/start an industrial unit or new business, and for business expansion.

Upfront feeCurrent term-loan upfront fees are exposure- and rating-based under §4.1; the fee bands and included expenses are shown in the table. Applicable taxes and stated out-of-pocket costs are extra.PurposeCapital expenditure for setting up/starting an industrial unit or new business and for expansion.FacilityTerm loan.
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✓ Manually checked 8 Oct 2026 · active
PNB Term Loans
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.

PurposeCapital expenditure for setting up/starting an industrial unit or new business and for expansion.View source
The catalogue states that term loans support capital expenditure for an industrial unit or new business and expansion.
Source
PNB Corporate Loans catalogue
Page / section
Term Loans card
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
FacilityTerm loan.View source
PNB lists this as a term-loan product.
Source
PNB Corporate Loans catalogue
Page / section
Term Loans card
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Upfront feeCurrent term-loan upfront fees are exposure- and rating-based under §4.1; the fee bands and included expenses are shown in the table. Applicable taxes and stated out-of-pocket costs are extra.View source
The current §4.1 schedule is for fresh term loans/reviews and is headed for all advances except agriculture borrowers.
Source
PNB Credit Related Service Charges — corporate facility schedule
Page / section
§4.1, existing-charge column and notes
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Supports capital expenditure for starting an industrial unit or new business and for expansion

Related official documents

PNB Download Forms directory — corporate lending checklist scope reviewofficial-forms-directory · relevant-form-directory-scope-reviewed · accessed 8 Oct 2026
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PNB Corporate Loans catalogueofficial-product-catalogue · all-corporate-catalogue-rows-reviewed · accessed 8 Oct 2026
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PNB Credit Related Service Charges — processing and term-loan fee scopeofficial-service-charge-page · reused-current-fee-scope-reviewed-not-applied-generically · accessed 8 Oct 2026
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PNB Interest Rates on Advances — current MCLR and RLLR benchmarksofficial-bank-rate-page · reused-current-benchmark-reviewed-2026-10-08 · accessed 8 Oct 2026
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PNB Other Advances (Not Specified Elsewhere) interest-rate scheduleofficial-interest-rate-page · shared-official-rate-sections-reviewed-exact-applicability-mapped · accessed 8 Oct 2026
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Loan repayment estimate

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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

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Loan Against Future Lease Rentals · PNB-published purpose and scopeFor property owners who have let out property in metro, urban, semi-urban or rural centres.

This value is copied from PNB corporate loan catalogue. Check the table notes before relying on it.

Source: PNB Corporate Loans catalogue · Corporate Loans, all eight cards Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsPNB corporate loan catalogueAll eight corporate loan facilities and the corresponding purpose published in the PNB catalogue.View tableHide table

Scroll sideways to view every column

PNB corporate loan catalogue
FacilityPNB-published purpose and scope
Loan Against Future Lease RentalsFor property owners who have let out property in metro, urban, semi-urban or rural centres.
Working Capital FinancingShort-term funds for day-to-day business operations.
Project Finance and Infrastructure FinanceFund and non-fund credit for new projects and expansion, diversification or modernization of existing projects.
Term LoansCapital expenditure for setting up/starting an industrial unit or new business, and for expansion.
Export FinancePre-shipment and post-shipment fund-based and non-fund-based export credit.
Bill FinancingPurchase, discount or advance against collection of inland bills for genuine trade; the card also names RRs, MTRs, government-supply bills, third-party demand drafts and cheques.
Financing Against Future ReceivablesFinance against assured receivables for corporate/non-corporate borrowers, including educational institutions, BPO/KPO and BOT road toll/annuity receivables.
Short Term LoanBusiness-exigency finance for reputed and corporate customers, for a period not exceeding 12 months.
PNB Corporate Loans catalogue · Corporate Loans, all eight cards · accessed 8 Oct 2026Open official source ↗
Table 2 · 12 rows · 3 columnsPNB term-loan upfront fee — current §4.1 scheduleFresh term loans/reviews; schedule is headed for all advances except agriculture borrowers. Tax and stated out-of-pocket costs are extra.View tableHide table

Scroll sideways to view every column

PNB term-loan upfront fee — current §4.1 schedule
ExposureInternal risk gradeCurrent upfront fee
Up to ₹25,000AllNil
Above ₹25,000 to ₹1 lakhAll₹500
Above ₹1 lakh to ₹5 lakhAll₹1,200
Above ₹5 lakh to ₹10 lakhAll1.40%
Above ₹10 lakh to ₹1 croreAll1.35%; minimum ₹14,000
Above ₹1 crore to ₹10 croreA1–A31.05%; minimum ₹1.35 lakh
Above ₹1 crore to ₹10 croreA4/B11.30%; minimum ₹1.35 lakh
Above ₹1 crore to ₹10 croreB2 and below1.60%; minimum ₹1.35 lakh
Above ₹10 croreA1–A31.00%; minimum ₹10.50 lakh
Above ₹10 croreA4/B11.25%; minimum ₹13 lakh
Above ₹10 croreB2 and below1.50%; minimum ₹16 lakh
Expense and inclusion notesWhere rating does not apply/CERSAI/insurance and other stated expenses are additional. For ₹5–10 lakh, upfront fee includes CERSAI/inspection/documentation/NEC/valuation (insurance and state stamp duty actual); for >₹10 lakh–₹1 crore it includes documentation and inspection. Above ₹1 crore, unrated accounts use B2 pricing.
PNB Credit Related Service Charges — corporate facility schedule · §4.1, existing-charge column and notes · accessed 8 Oct 2026Open official source ↗

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