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PNB General Credit Card Scheme

Need-based revolving cash-credit for individuals carrying out eligible non-farm entrepreneurial activity, up to ₹10 lakh, repayable within 12 months under the scheme's account-credit conditions.

Facility amountNeed-based limit up to ₹10 lakh, fixed case by case after analyzing credit needs and repayment capacity.Interest ratePNB's current MSME schedule: RLLR+BSP+0.15% for exposure up to ₹50,000; RLLR+BSP+1.40% above ₹50,000 to ₹20 lakh. BSP is not quantified here.Eligible borrowerIndividuals with non-farm entrepreneurial credit eligible for classification under priority-sector guidelines.
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Quick eligibility check

PNB General Credit Card Scheme

0 of 7 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: Individuals with non-farm entrepreneurial credit eligible for classification under priority-sector guidelines?

Published source: Eligible borrower

2Do you meet this requirement: The linked PNB MSME checklist is general and conditional?

Published source: Documents

3Do you meet this product condition: it requests KYC/entity, financial/tax, existing-bank and facility-specific project/security records where relevant?

Published source: Documents

4Do you meet this requirement: For individuals' non-farm entrepreneurial credit eligible under priority-sector guidelines?

5Do you meet this requirement: bank fixes the limit after assessing credit needs and repayment capacity?

6Document checkDo you have this required document or proof: The one-page scheme does not list a scheme-specific document set. The linked PNB MSME checklist is general and conditional; it requests KYC/entity, financial/tax, existing-bank and facility-specific project/security records where relevant?

Published source: Documents

7Document checkDo you have this required document or proof: The one-page scheme does not list a scheme-specific document set?

Published source: Documents
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 Oct 2026 · active
Offered byPunjab National Bank

All branches across 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.

Eligible borrowerIndividuals with non-farm entrepreneurial credit eligible for classification under priority-sector guidelines.View source
The facility is for eligible non-farm entrepreneurial credit to individuals, not a consumer purchase card.
Source
PNB General Credit Card Scheme
Page / section
page 1, Eligibility
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Facility amountNeed-based limit up to ₹10 lakh, fixed case by case after analyzing credit needs and repayment capacity.View source
The sets a ₹10 lakh maximum and case-by-case need/repayment assessment.
Source
PNB General Credit Card Scheme
Page / section
page 1, Extent of Limit
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Interest ratePNB's current MSME schedule: RLLR+BSP+0.15% for exposure up to ₹50,000; RLLR+BSP+1.40% above ₹50,000 to ₹20 lakh. BSP is not quantified here.View source
The product's ₹10 lakh cap is within the published up-to-₹20 lakh band; no all-in rate is calculated without .
Source
PNB Advances lending-rate schedule
Page / section
Advances effective 01-07-2025, exposure up to ₹20 lakh; current 8.35% effective 08-10-2026
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Repayment12 months. Aggregate credits into the account during the 12-month period must at least equal the maximum outstanding; no drawal may remain outstanding for more than 12 months.View source
Both 12-month account conditions are retained; no longer repayment is inferred.
Source
PNB General Credit Card Scheme
Page / section
page 1, Repayment clauses (a)–(b)
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
SecurityPrimary: personal security of borrower and/or assets created by bank finance. Collateral: nil, with CGTMSE cover for eligible activities.View source
Primary security and collateral security are separate clauses in the source.
Source
PNB General Credit Card Scheme
Page / section
page 1, Security
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Area of operationAll branches across the country.View source
The scheme expressly states all-India branch implementation.
Source
PNB General Credit Card Scheme
Page / section
page 1, Area of Operation
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
DocumentsThe one-page scheme does not list a scheme-specific document set. The linked PNB MSME checklist is general and conditional; it requests KYC/entity, financial/tax, existing-bank and facility-specific project/security records where relevant.View source
The manually reviewed product record states: “The one-page scheme does not list a scheme-specific document set. The linked PNB checklist is general and conditional; it requests /entity, financial/tax, existing-bank and facility-specific project/security records where relevant.”.
Source
PNB General Credit Card Scheme — official product page
Page / section
Published product metadata
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Need-based revolving cash-credit up to ₹10 lakh
  • Collateral security is nil for eligible activities covered under
  • Implemented through all PNB branches

Eligibility

  • For individuals' non-farm entrepreneurial credit eligible under priority-sector guidelines; bank fixes the limit after assessing credit needs and repayment capacity.

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

Documents the bank lists

  • The one-page scheme does not list a scheme-specific document set. The linked PNB checklist is general and conditional; it requests /entity, financial/tax, existing-bank and facility-specific project/security records where relevant.

Related official documents

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
↗
PNB Interest Rates on Advances — current MCLR and RLLR benchmarksofficial-bank-rate-page · reused-current-benchmark-reviewed-2026-10-08 · accessed 8 Oct 2026
↗
PNB MSME Banking catalogue — current scheme linksofficial-product-catalogue · current-catalogue-links-reviewed · accessed 8 Oct 2026
↗
PNB current general MSME loan application checklistofficial-application-checklist-pdf · reused-previously-reviewed-source · accessed 8 Oct 2026
↗
PNB General Credit Card (GCC) Schemeofficial-msme-scheme-pdf · all-pages-text-and-visual-review · accessed 8 Oct 2026
↗
PNB APR for term loans — general amount/rating illustrationsofficial-msme-term-loan-apr-pdf · reused-complete-review-not-product-mappable · accessed 8 Oct 2026
↗
PNB APR for working-capital loans — catalogue-linked PDFofficial-msme-working-capital-apr-pdf · reused-complete-review-not-product-mappable · 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.

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Objective and purpose · Published conditionRevolving credit to individuals for non-farm entrepreneurial activity

This value is copied from PNB General Credit Card — full published scheme terms. Check the table notes before relying on it.

Source: PNB General Credit Card Scheme · page 1, all nine numbered sections 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 General Credit Card — full published scheme termsView tableHide table

Scroll sideways to view every column

PNB General Credit Card — full published scheme terms
ParameterPublished condition
Objective and purposeRevolving credit to individuals for non-farm entrepreneurial activity
EligibilityNon-farm entrepreneurial credit eligible for priority-sector classification
Maximum limitNeed-based, up to ₹10 lakh; based on credit need and repayment capacity
FacilityRevolving cash credit: working capital, or WCTL if it includes a term-loan component; WCTL on reducing drawing-power basis
Area of operationAll branches across India
Primary securityBorrower personal security and/or asset created by bank finance
CollateralNil, covered under for eligible activities
InterestAs per bank guidelines; current general exposure-rate schedule is linked below
Repayment12 months; aggregate credits must be at least the maximum account outstanding; no drawal remains outstanding more than 12 months
PNB General Credit Card Scheme · page 1, all nine numbered sections · accessed 8 Oct 2026Open official source ↗
Table 2 · 10 rows · 2 columnsPNB MSME Advances — current exposure/rating spread tableView tableHide table

Scroll sideways to view every column

PNB MSME Advances — current exposure/rating spread table
Exposure / internal risk ratingSpread over +
Up to ₹50,000+0.15 percentage points
Above ₹50,000 to ₹20 lakh+1.40 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-A1+0.80 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-A2+1.30 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-A3+1.60 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-A4+1.65 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-B1+2.95 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-B2+4.10 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-B3+7.40 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-C1 and below+8.00 percentage points
  • Schedule heading states Advances effective 01-07-2025. Current PNB is 8.35% effective 08-10-2026; rates are over +, and borrower-specific risk are not quantified, and no customer quote is calculated.
  • For the linked facilities capped at ₹20 lakh or below, only the first two exposure rows apply. Tatkaal can reach ₹25 lakh, so its ₹20 lakh–below ₹5 crore internal-rating rows also apply above that exposure.
  • WMS support is separately conditional: borrower interest share 6%, with Government subsidy capped at 7 percentage points for 3 years in standard accounts.
PNB Interest Rates on Advances — current exposure schedule and · Advances sections, rows for exposures to below ₹5 crore; effective 08-10-2026 · accessed 8 Oct 2026Open official source ↗

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