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Business, & agriculture finance

PNB e- Express Loan (Digi Prime)

Digital -return-based cash-credit facility from ₹10 lakh to ₹10 crore, assessed from sales and supported by or collateral security.

Loan amount₹10 lakh to ₹10 crore.Interest ratePNB's named GST Express scheme schedule links the rate to internal risk rating: RLLR + BSP +0.20% minimum to RLLR + BSP +3.50% maximum. The rate page does not give the current BSP alongside RLLR, so it does not establish a current absolute percentage.Customer typeIndividuals and proprietorships operating GST-registered businesses
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Quick eligibility check

PNB e- Express Loan (Digi Prime)

0 of 6 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: Individual or proprietorship borrower with no active working-capital facility from another bank/FI?

Published source: Eligibility

2Do you meet this requirement: active current account for the previous 12 months?

Published source: Eligibility

3Do you meet this requirement: GST returns for the previous 12 months?

Published source: Eligibility

4Do you meet this requirement: Udyam Registration is mandatory?

Published source: Eligibility

5Do you meet this requirement: Individuals and proprietorships operating GST-registered businesses?

Published source: Customer type

6Document checkDo you have this required document or proof: Udyam Registration, GST returns, KYC and current-account information; additional security/charge documents where applicable?

Published source: Documents
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 4 Sept 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.

PurposeDigital working-capital finance for business activity or expansion.View source
PNB describes the product as digital credit for working capital and business expansion.
Source
PNB e- Express Loan / Digi Prime
Page / section
Purpose
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Facility typeCash credit.View source
The page names cash credit as the facility.
Source
PNB e- Express Loan / Digi Prime
Page / section
Type of facility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Loan amount₹10 lakh to ₹10 crore.View source
PNB publishes the ₹10 lakh–₹10 crore cash-credit range.
Source
PNB e- Express Loan / Digi Prime
Page / section
Loan amount
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Assessment25% of GST sales when at least 75% of sales is routed through the account; otherwise the limit is restricted to the lower of 25% of GST sales or credit summation.View source
The page publishes the 25% formula and 75% routing condition.
Source
PNB e- Express Loan / Digi Prime
Page / section
Loan assessment
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
TenureOne year, renewable annually.View source
PNB publishes a one-year renewable tenure.
Source
PNB e- Express Loan / Digi Prime
Page / section
Tenure
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Interest ratePNB's named GST Express scheme schedule links the rate to internal risk rating: RLLR + BSP +0.20% minimum to RLLR + BSP +3.50% maximum. The rate page does not give the current BSP alongside RLLR, so it does not establish a current absolute percentage.Effective 1 Jul 2025View source
The rate page names PNB Express, states the IRR linkage and publishes ++0.20% minimum / +3.50% maximum. The same page displays 8.10% but does not publish a current value, so no absolute rate is calculated.
Source
PNB Interest Rates on Advances — current scheme-specific rates
Page / section
Section 4.2, PNB Express Scheme; last updated 01-10-2026
Accessed
5 Oct 2026
Confidence
high
Open official source ↗
SecurityEither CGTMSE guarantee, or minimum 75% collateral in SARFAESI-compliant immovable property or approved liquid security.View source
PNB publishes and the 75% collateral alternative.
Source
PNB e- Express Loan / Digi Prime
Page / section
Security
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Unified fee0.30% of loan amount plus applicable GST; CIC, stamp duty, insurance, NEC, valuation, CGTMSE and other out-of-pocket charges are recovered at actuals where applicable.View source
PNB publishes a 0.30% unified fee plus and lists excluded actual charges.
Source
PNB e- Express Loan / Digi Prime
Page / section
Unified fee
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
EligibilityIndividual or proprietorship borrower with no active working-capital facility from another bank/FI; active current account for the previous 12 months; GST returns for the previous 12 months; Udyam Registration is mandatory.View source
The page publishes borrower type, other-bank facility restriction, current-account/ history and mandatory Udyam registration.
Source
PNB e- Express Loan / Digi Prime
Page / section
Eligibility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Turnover / GST historyGST-registered units must have filed GST returns for the last 12 months; the cash-credit assessment uses 25% of GST sales and requires at least 75% of those sales to be routed through the account.View source
PNB requires 12 months of returns and states the 25% -sales formula with 75% routing condition.
Source
PNB e- Express Loan / Digi Prime
Page / section
Eligibility and loan assessment
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
PNB e- Express Loan (Digi Prime) — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Customer typeIndividuals and proprietorships operating GST-registered businessesView source
The manually reviewed product record states: “Individuals and proprietorships operating -registered businesses”.
Source
PNB e- Express Loan (Digi Prime) — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
DocumentsUdyam Registration, GST returns, KYC and current-account information; additional security/charge documents where applicableView source
The manually reviewed product record states: “Udyam Registration, returns, and current-account information; additional security/charge documents where applicable”.
Source
PNB e- Express Loan (Digi Prime) — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Cash-credit working-capital facility
  • 25% of sales where at least 75% is routed through the account
  • One-year tenure renewable annually
  • or 75% collateral route
  • , and charges waived

Eligibility

  • Individual/proprietorship borrower must not have an active working-capital facility from another bank/FI; business must have an active current account for 12 months, 12 months of returns and mandatory Udyam Registration.

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

Documents the bank lists

  • Udyam Registration, returns, and current-account information; additional security/charge documents where applicable

Related official documents

PNB Interest Rates on Advances — current agriculture and specific-scheme ratesofficial-rate-table · current · accessed 6 Oct 2026
↗
PNB DIGI MSME PRIME product pageofficial-product-page · current · accessed 5 Oct 2026
↗
PNB e-GST Express Loan / Digi MSME Primeofficial-product-page · current · accessed 4 Sept 2026
↗
PNB MSME Banking catalogueofficial-product-catalogue · current-catalogue-page · accessed 7 Oct 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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₹14,499fourteen thousand four hundred ninety-nine rupees
Interest paid over the full loan₹9,79,758nine lakh seventy-nine thousand seven hundred fifty-eight rupees
Everything you repay₹34,79,758thirty-four lakh seventy-nine thousand seven hundred fifty-eight 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.

Digi Loan · Facility / amount and term loan; up to ₹10 lakh or ₹25 lakh on credit-summation basis

This value is copied from PNB digital and working-capital products. Check the table notes before relying on it.

Source: PNB Banking catalogue · Schemes and linked product pages Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 3 rows · 5 columnsPNB MSME digital and working-capital productsPublished terms transcribed from PNB's current product pages.View tableHide table

Scroll sideways to view every column

PNB MSME digital and working-capital products
ProductFacility / amountAssessmentTenureSecurity / rate
Digi Loan and term loan; up to ₹10 lakh or ₹25 lakh on credit-summation basis25% of 12-month credits, 20% projected turnover, or 75% asset value for term loanTerm loan up to 7 years incl. 6-month moratorium; 12 months renewableNo collateral; ; -linked
Growth PlusFunded and non-funded WC; ₹10 lakh–₹2 crore25% of 12-month sales or creditsNot published on reviewed page100% collateral//hybrid; -linked from 8.50%
e- Express / Digi PrimeCash credit; ₹10 lakh–₹10 crore25% sales with 75% routing; otherwise lower of 25% sales or credits1 year, renewable annually or 75% collateral; -linked
  • Final sanction, security and applicable charges remain subject to PNB's current guidelines.
PNB Banking catalogue · Schemes and linked product pages · accessed 4 Sept 2026Open official source ↗
Table 2 · 3 rows · 2 columnsPNB GST Express — current published rate formulaView tableHide table

Scroll sideways to view every column

PNB GST Express — current published rate formula
Pricing componentPublished term
Rate basisLinked to internal risk rating
Minimum + + 0.20% p.a.
Maximum + + 3.50% p.a.
  • PNB names Express in the scheme-specific rate table. The page displays at 8.10% but does not provide a current value, so the absolute current percentage cannot be computed from the page.
PNB Interest Rates on Advances — scheme-specific rates · Section 4.2, PNB Express Scheme; rate page last updated 01-10-2026 · accessed 5 Oct 2026Open official source ↗

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