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Business, & agriculture finance

PNB Sahay

A short-term demand loan against a invoice for a B2B buyer or seller: ₹10,000 minimum, up to ₹2 lakh per invoice and ₹10 lakh per borrower, repayable in 90 days.

Loan amount₹10,000 minimum; maximum ₹2 lakh per invoice, capped at ₹10 lakh per borrower. Finance is up to 85% of invoice value, or up to 70% if credit-history vintage is below 6 months; invoice age must not exceed 45 days.Interest rate8.35% p.a. linked to PNB RLLR, effective 8 October 2026; the scheme sheet states RLLR linkage without a separate spread.Eligible customerGST-registered MSME business proprietorships with a PNB account; applicants already availing working-capital finance are excluded.
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Quick eligibility check

PNB Sahay

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: GST-registered MSME business proprietorships with a PNB account?

Published source: Eligible customer

2Do you meet this requirement: applicants already availing working-capital finance are excluded?

Published source: Eligible customer

3Do you meet this requirement: The financed invoice is assigned to PNB?

Published source: Invoice and statements

4Do you meet this requirement: The scheme does not require financial statements or stock statements?

Published source: Invoice and statements

5Do you meet this requirement: The scheme is for GST-registered MSME business proprietorships that have a PNB account?

6Document checkDo you have this required document or proof: The financed GST invoice is assigned to PNB as primary security. The scheme sheet says financial statements and stock statements are not required; it does not give a complete separate supporting-document checklist?

Published source: Invoice and statements

7Document checkDo you have this required document or proof: it does not publish a complete separate document checklist?

Published source: Invoice and statements
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 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.

Eligible customerGST-registered MSME business proprietorships with a PNB account; applicants already availing working-capital finance are excluded.View source
All registered Business entities (Proprietorship) which are having account with PNB; applicants already availing Working capital facility are not eligible.
Source
Sahay — PNB scheme guidelines
Page / section
page 1, Eligibility
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
GST and account conditionGST registration and a PNB account are required; the scheme sheet states no numeric annual turnover threshold.View source
The complete one-page scheme sheet limits eligibility to -registered proprietorships with a PNB account; it publishes no turnover figure.
Source
Sahay — PNB scheme guidelines
Page / section
page 1, Eligibility
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Loan amount₹10,000 minimum; maximum ₹2 lakh per invoice, capped at ₹10 lakh per borrower. Finance is up to 85% of invoice value, or up to 70% if credit-history vintage is below 6 months; invoice age must not exceed 45 days.View source
Amount is ₹10,000 minimum; maximum ₹2 lakh per invoice subject to ₹10 lakh per borrower. The bank funds 85%, falling to 70% when credit-history vintage is below six months; invoice must be no older than 45 days.
Source
Sahay — PNB scheme guidelines
Page / section
page 1, Quantum of Exposure and Assessment of Loan Amount
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Interest rate8.35% p.a. linked to PNB RLLR, effective 8 October 2026; the scheme sheet states RLLR linkage without a separate spread.View source
Sahay says the interest rate is linked to Repo Linked Rate (), with no scheme spread printed; PNB's live benchmark page sets at 8.35% effective 8 October 2026.
Source
PNB advances-rate benchmarks and Sahay scheme guidelines
Page / section
benchmark effective 8 October 2026; Sahay page 1, Rate of Interest
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Repayment period90 days.View source
The sheet states a repayment period of 90 days.
Source
Sahay — PNB scheme guidelines
Page / section
page 1, Repayment Period
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
SecurityAssignment of the financed invoice to PNB is primary security; collateral security: nil.View source
Primary Security — Assignment of invoice against which bank has financed; Collateral Security — Nil.
Source
Sahay — PNB scheme guidelines
Page / section
page 1, Security
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Processing fee and other chargesUnified processing fee: 0.20% of the loan (₹200 per ₹1 lakh). Portal fee, credit-information-bureau charges and stamp duty are paid by the borrower at actual cost.View source
Unified fee is 0.20%, stated as ₹200 per lakh. Portal fee, charges and stamp duty are borrower-borne on actual basis.
Source
Sahay — PNB scheme guidelines
Page / section
page 1, Processing Fee; Documentation and other charges
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Invoice funding can cover up to 85% of an invoice; where credit-history vintage is under 6 months, the advance is capped at 70%.
  • No collateral security is stated; the financed invoice is assigned to PNB.
  • Financial statements and stock statements are not required; digital document execution and application through PNB ONE are available.

Eligibility

  • The scheme is for -registered business proprietorships that have a PNB account; existing working-capital borrowers are excluded.
  • The financed invoice must be no more than 45 days old. Credit-history vintage below 6 months changes the invoice-finance percentage and margin.

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

Documents the bank lists

  • The financed invoice is assigned to PNB as primary security. The scheme sheet says financial statements and stock statements are not required; it does not give a complete separate supporting-document checklist.

Related official documents

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
↗
GST Sahay — PNB scheme guidelinesofficial-msme-scheme-pdf · complete-text-page-review-visual-and-hash-pending · accessed 8 Oct 2026
↗

Plan before applying

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Loan repayment estimate

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One monthly payment₹21,459twenty-one thousand four hundred fifty-nine rupees
Interest paid over the full loan₹26,50,118twenty-six lakh fifty thousand one hundred eighteen rupees
Everything you repay₹51,50,118fifty-one lakh fifty thousand one hundred eighteen 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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1 · ParameterFacility and purpose

This value is copied from Sahay — complete one-page scheme terms. Check the table notes before relying on it.

Source: Sahay — PNB scheme guidelines · page 1, parameter rows 1–11 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 11 rows · 3 columnsGST Sahay — complete one-page scheme termsView tableHide table

Scroll sideways to view every column

GST Sahay — complete one-page scheme terms
No.ParameterPublished terms
1Facility and purposeDemand loan for short-term credit against invoices for a B2B buyer or seller.
2ExposureMinimum ₹10,000; maximum ₹2 lakh per invoice subject to ₹10 lakh maximum per borrower.
3Eligibility-registered business proprietorship with a PNB account; existing working-capital borrowers are ineligible.
4Loan assessment85% of invoice; 70% where credit-history vintage is below 6 months. Invoice must be no older than 45 days.
5Repayment90 days.
6InterestLinked to PNB Repo Linked Rate (); current is 8.35% effective 8 October 2026, with no scheme spread printed.
7Margin15% of invoice; 30% where credit-history vintage is below 6 months.
8SecurityPrimary: assignment of the financed invoice. Collateral security: nil.
9Processing feeUnified fee 0.20% of loan amount (₹200 per ₹1 lakh).
10Other chargesPortal fee, charges and stamp duty borne by borrower at actual cost.
11Other featuresDigital document execution; no financial-statement or stock-statement submission; loan application through PNB ONE app.
  • This is the complete parameter table from the current catalogue-linked one-page sheet. benchmark value is separately dated; invoice and credit-history conditions are retained with the funding percentage.
Sahay — PNB scheme guidelines · page 1, parameter rows 1–11 · accessed 8 Oct 2026Open official source ↗

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