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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.

Interest-rate basisAs per credit-risk rating; the scheme sheet gives no numeric rate.Maximum loan amountIndividual (other than farmer) and sole proprietorship: up to ₹25 crore. Partnership, private limited, public limited and other listed entity forms: need-based; minimum ₹2 lakh.Maximum tenureMaximum 12 months.
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Quick eligibility check

PNB e-GODAM Scheme

0 of 3 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Existing or fresh MSME customers with satisfactory credit history (traders, arthiyas, exporters/importers), original depositors of non-perishable agricultural commodities?

Published source: Eligibility

2Do you meet this requirement: Udyam registration is mandatory?

Published source: Eligibility

3Do you meet this requirement: Existing or fresh MSME customers with satisfactory credit history, including traders, arthiyas, exporters/importers, who are original depositors of non-perishable agricultural commodities?

0 of 3 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 7 Oct 2026 · active
Offered byPunjab National Bank

India

Key facts

What the official sources publish

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

PurposeFinance against electronic Negotiable Warehouse Receipts issued by WDRA-approved repositories for stock/goods in WDRA-accredited warehouses, to source MSME/agriculture business.View source
The purpose cell specifies eligible electronic receipts, issuing repositories and warehouse accreditation.
Source
PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receipts
Page / section
page 1, Purpose / Objective
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
EligibilityExisting or fresh MSME customers with satisfactory credit history (traders, arthiyas, exporters/importers), original depositors of non-perishable agricultural commodities; Udyam registration is mandatory.View source
The official sheet requires an original depositor, satisfactory PNB credit history and Udyam registration for the stated borrower group.
Source
PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receipts
Page / section
page 1, Eligibility
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
FacilitiesDemand loan or cash credit.View source
Both demand loan and cash credit are separately listed.
Source
PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receipts
Page / section
page 1, Type of facility
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Minimum loan amount₹2 lakh for the borrower groups covered by the sheet.View source
The amount section states a ₹2-lakh minimum for sole proprietors and all other listed entity categories; the individual bracket expressly says other than farmer.
Source
PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receipts
Page / section
page 1, Loan Amount; individual (other than farmer), sole proprietorship and all other entity categories
Accessed
7 Oct 2026
Confidence
medium
Open official source ↗
Maximum loan amountIndividual (other than farmer) and sole proprietorship: up to ₹25 crore. Partnership, private limited, public limited and other listed entity forms: need-based; minimum ₹2 lakh.View source
The sheet's first amount group expressly excludes farmers from its individual bracket; it caps sole proprietorship concerns at ₹25 crore. The listed other entity forms are need-based.
Source
PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receipts
Page / section
page 1, Loan Amount
Accessed
7 Oct 2026
Confidence
medium
Open official source ↗
Minimum margin25% minimum margin.View source
The source states minimum margin of 25%.
Source
PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receipts
Page / section
page 1, Margin
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Maximum tenureMaximum 12 months.View source
The source publishes a maximum loan tenure of 12 months.
Source
PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receipts
Page / section
page 1, Tenure of Loan
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
SecurityPrimary security: pledge of the e-NWR, endorsed in favour of PNB, for stocks/goods in a WDRA-accredited warehouse. Collateral security: nil.View source
The sheet identifies the endorsed e-NWR pledge as primary security and states collateral security is NIL.
Source
PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receipts
Page / section
page 1, Security
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Interest-rate basisAs per credit-risk rating; the scheme sheet gives no numeric rate.View source
The scheme sheet states 'As per Credit Risk Rating'. The current PNB advance-rate page does not list e-GODAM in its named specific-scheme rows.
Source
PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receipts
Page / section
page 1, Rate of Interest
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Conditional cash-credit closure chargeFor a non-individual borrower shifting to another bank/FI, PNB's current tariff charges 2% of the sanctioned limit if a cash-credit/overdraft facility is closed before its due date. No such charge applies if written notice of non-renewal is given at least 3 months before the due date and the facility closes on that date. The tariff lists exemptions for qualifying floating-rate individual/MSE borrowers and other stated cases; applicability depends on borrower, facility, rate type and takeover circumstances. The scheme sheet lists demand loan/cash credit, not term loan.View source
Section 10.15 applies the 2% sanctioned-limit charge to a non-individual borrower closing CC/ before due date to shift to another bank/FI; its written notice and on-due-date exception and enumerated exemptions remain material.
Source
PNB Credit Related Service Charges — current page
Page / section
Section 10.15, Pre-Payment / Fore Closure of Loan in Case of Take Over; conditions and exemptions
Accessed
7 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Two facilities are listed: demand loan and cash credit.
  • Collateral security is listed as nil; the electronic warehouse receipt is the primary security.
  • The published minimum margin is 25%.

Eligibility

  • Existing or fresh customers with satisfactory credit history, including traders, arthiyas, exporters/importers, who are original depositors of non-perishable agricultural commodities.
  • Udyam registration is mandatory.

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

Related official documents

PNB Interest Rates on Advances — current agriculture and specific-scheme ratesofficial-rate-table · current · accessed 7 Oct 2026
↗
PNB Credit Related Services Charges — historical scheme-specific search-index excerptofficial-service-charge-page-historical-index-excerpt · stale-indexed-excerpt-conflicts-with-current-page · accessed 7 Oct 2026
↗
PNB Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗
PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receiptsofficial-scheme-pdf · text-layer-reviewed-visual-and-hash-pending · accessed 7 Oct 2026
↗
PNB MSME Banking catalogueofficial-product-catalogue · current-catalogue-page · accessed 7 Oct 2026
↗

Plan before applying

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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.

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.

Purpose/objective · Published termFinance against electronic Negotiable Warehouse Receipts issued by WDRA-approved repositories for stocks/goods in WDRA-accredited warehouses, to source /agriculture business.

This value is copied from PNB e-GODAM — complete published scheme terms. Check the table notes before relying on it.

Source: PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receipts · page 1, Parameters / Particulars table, items 1–9 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 9 rows · 2 columnsPNB e-GODAM — complete published scheme termsAll nine numbered parameters from the one-page PNB sheet, with exact loan amount distinctions and source wording preserved.View tableHide table

Scroll sideways to view every column

PNB e-GODAM — complete published scheme terms
ParameterPublished term
Purpose/objectiveFinance against electronic Negotiable Warehouse Receipts issued by WDRA-approved repositories for stocks/goods in WDRA-accredited warehouses, to source /agriculture business.
EligibilityExisting or fresh customers with satisfactory credit history (traders, arthiyas, exporters/importers), original depositors of non-perishable agricultural commodities; Udyam registration mandatory.
FacilityDemand loan; cash credit.
Loan amountIndividual other than farmer and sole proprietorship: minimum ₹2 lakh, maximum ₹25 crore. All other listed categories, including partnership/private limited/public limited entities: minimum ₹2 lakh, maximum need-based.
MarginMinimum 25%.
TenureMaximum 12 months.
SecurityPrimary: pledge of e-NWR endorsed in favour of PNB for stocks/goods in WDRA-accredited warehouses. Collateral: nil.
Interest rateAs per credit-risk rating; no numeric rate appears on the scheme sheet.
Processing chargesConcessional charges; no numeric amount appears on the scheme sheet.
  • The amount groups are kept separate; the individual amount bracket explicitly excludes farmers.
  • A stale indexed extract conflicts with this directly opened sheet about farmer coverage and amount bands; the conflicting extract was not used.
  • page 1 is fully text-layer reviewed; visual page/table verification remains open.
PNB e-GODAM Scheme — finance against electronic Negotiable Warehouse Receipts · page 1, Parameters / Particulars table, items 1–9 · accessed 7 Oct 2026Open official source ↗
Table 2 · 5 rows · 3 columnsPNB e-GODAM — conditional cash-credit closure chargeOnly the current tariff clause that can conditionally apply to the scheme's published demand-loan/cash-credit facilities; not a blanket fee.View tableHide table

Scroll sideways to view every column

PNB e-GODAM — conditional cash-credit closure charge
SituationCharge / ruleScope and exceptions
Non-individual borrower shifts a cash-credit/overdraft facility to another bank/FI and closes before due date2% of sanctioned limitTakeover charge under section 10.15; the scheme sheet lists demand loan/cash credit, not term loan.
Cash-credit/overdraft closes on due dateNo charge if written notice of non-renewal was given at least 3 months before the due dateBoth notice and on-due-date closure conditions are required.
Floating-rate exemptionsNo charge for non-business loans to individuals, or business loans to individuals/, with or without co-obligantApplies irrespective of funding source, in part or full, without minimum lock-in; dual/special-rate applicability depends on whether the loan is floating at prepayment.
Other listed exemptionsNo charge for borrowers; microfinance loans except - loans; eligible fixed-rate/reset-to-floating loans; own-source repayment; specified rate-change transfers; bank-initiated closure; and eligible advances against PNB deposits/liquid securitiesRate-change transfer windows: move within 30 days of an upward-spread/terms circular; after an upward benchmark reset, notify within 30 days and shift within 90 days. Own-deposit/liquid-security exemption applies to facilities sanctioned or renewed from 01-01-2026.
Term-loan branchNot mapped to this schemeThe e-GODAM sheet lists demand loan and cash credit; it does not list a term loan.
  • Applicability depends on borrower type, facility, rate type, takeover purpose and notice timing; this is not an unconditional 2% product fee.
PNB Credit Related Service Charges — current page · Section 10.15, Pre-Payment / Fore Closure of Loan in Case of Take Over · accessed 7 Oct 2026Open official source ↗

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