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PNB Laghu Udyami Credit Card

Revolving cash-credit for eligible small businesses, traders, artisans, micro/small enterprises, professionals and self-employed borrowers, with a maximum limit up to ₹10 lakh and segment-specific turnover/income assessment.

Facility amountMaximum up to ₹10 lakh; cash-credit facility. The source adds “condition apply” but does not give the condition on this sheet.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 borrowerSmall-business units, retail traders, artisans, village industries, manufacturing/service MSEs, tiny units, professionals and self-employed persons, with cash-credit limits up to ₹10 lakh and satisfactory PNB dealings for the last 3 years.
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Quick eligibility check

PNB Laghu Udyami Credit Card

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.

1Are you this type of customer: Small-business units, retail traders, artisans, village industries, manufacturing/service MSEs, tiny units, professionals and self-employed persons, with cash-credit limits up to ₹10 lakh and satisfactory PNB dealings for the last 3 years?

Published source: Eligible borrower

2Do you meet this product condition: PNB's linked general MSME checklist lists conditional KYC, registration, statements, financial/tax and security records?

Published source: Documents

3Do you meet this requirement: not every item applies to every borrower?

Published source: Documents

4Do you meet this requirement: Borrowers in the listed small-business categories must enjoy cash-credit limits up to ₹10 lakh and have satisfactory dealings with PNB for the last three years?

5Document checkDo you have at least one of these required documents: The scheme sheet uses annual turnover, ITR income or the simplified MSE turnover method for limit assessment. PNB's linked general MSME checklist lists conditional KYC, registration, statements, financial/tax and security records; not every item applies to every borrower?

Published source: Documents

6Document checkDo you have at least one of these required documents: The scheme sheet uses annual turnover, ITR income or the simplified MSE turnover method for limit assessment?

Published source: Documents
0 of 6 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 borrowerSmall-business units, retail traders, artisans, village industries, manufacturing/service MSEs, tiny units, professionals and self-employed persons, with cash-credit limits up to ₹10 lakh and satisfactory PNB dealings for the last 3 years.View source
The specifies both the borrower categories and three-year satisfactory-dealings rule.
Source
PNB Laghu Udyami Credit Card
Page / section
page 1, Objective and Eligibility
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Facility amountMaximum up to ₹10 lakh; cash-credit facility. The source adds “condition apply” but does not give the condition on this sheet.View source
The says maximum up to ₹10 lakh and marks it subject to condition, without publishing that condition in the sheet.
Source
PNB Laghu Udyami Credit Card
Page / section
page 1, Loan Amount and Nature of Limit
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Limit assessmentSmall businesses/retail traders: up to 20% of annual turnover. Professionals/self-employed: 50% of gross annual income as per ITR. MSE units: simplified turnover method.View source
All three separate assessment methods are preserved; the method is not expanded beyond the source wording.
Source
PNB Laghu Udyami Credit Card
Page / section
page 1, Assessment of Credit Card 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 exposure 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 ↗
MarginFor non-trading MSE stock cash-credit: up to ₹2 lakh nil; above ₹2 lakh to ₹5 lakh 15%; above ₹5 lakh 20%. Trading MSE stock cash-credit: 30%–40%, considering stock nature, price fluctuation and shelf life.View source
The non-trading bands and separate 30%–40% trading-stock range are kept distinct.
Source
PNB Laghu Udyami Credit Card
Page / section
page 1, Margin, non-trading and trading
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
SecurityPrimary: hypothecation of stock, receivables, machinery and equipment. For MSE loans up to ₹10 lakh, no collateral or third-party guarantee; covered under CGTMSE.View source
Collateral waiver is explicitly scoped in the to loans up to ₹10 lakh.
Source
PNB Laghu Udyami Credit Card
Page / section
page 1, Security and Collateral Security
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
DocumentsThe scheme sheet uses annual turnover, ITR income or the simplified MSE turnover method for limit assessment. PNB's linked general MSME checklist lists conditional KYC, registration, statements, financial/tax and security records; not every item applies to every borrower.View source
The manually reviewed product record states: “The scheme sheet uses annual turnover, income or the simplified turnover method for limit assessment. PNB's linked general checklist lists conditional , registration, statements, financial/tax and security records; not every item applies to every borrower.”.
Source
PNB Laghu Udyami Credit Card — official product page
Page / section
Published product metadata
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Small-business/retail limit assessed up to 20% of annual turnover; professional/self-employed assessment up to 50% of gross annual income
  • For loans up to ₹10 lakh, the states no collateral/third-party guarantee with cover

Eligibility

  • Borrowers in the listed small-business categories must enjoy cash-credit limits up to ₹10 lakh and have satisfactory dealings with PNB for the last three years.

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

Documents the bank lists

  • The scheme sheet uses annual turnover, income or the simplified turnover method for limit assessment. PNB's linked general checklist lists conditional , registration, statements, financial/tax and security records; not every item applies to every borrower.

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 Laghu Udyami Credit Card — simplified loan delivery mechanismofficial-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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Eligible borrowers · Published conditionSmall businesses, retail traders, artisans, village industries, manufacturing/service , tiny units, professionals and self-employed persons

This value is copied from PNB Laghu Udyami Credit Card — full limit, margin and security terms. Check the table notes before relying on it.

Source: PNB Laghu Udyami Credit Card · page 1, all headings, limit method and margin table Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 12 rows · 2 columnsPNB Laghu Udyami Credit Card — full limit, margin and security termsView tableHide table

Scroll sideways to view every column

PNB Laghu Udyami Credit Card — full limit, margin and security terms
ParameterPublished condition
Eligible borrowersSmall businesses, retail traders, artisans, village industries, manufacturing/service , tiny units, professionals and self-employed persons
RelationshipCash-credit limits up to ₹10 lakh and satisfactory PNB dealings for last 3 years
Facility / maximumCash credit; maximum up to ₹10 lakh; says “condition apply” but gives no condition on this sheet
Small business / retail limit assessmentUp to 20% of annual turnover
Professional/self-employed assessment50% of gross annual income
assessmentSimplified turnover method; no formula supplied on this sheet
Non-trading stock margin up to ₹2 lakhNil
Non-trading stock margin above ₹2 lakh to ₹5 lakh15%
Non-trading stock margin above ₹5 lakh20%
Trading stock margin30%–40% considering stock nature, price fluctuation and shelf life
Primary securityHypothecation of stock, receivables, machinery and equipment
Collateral / third-party guaranteeFor loans up to ₹10 lakh: none; covered by
PNB Laghu Udyami Credit Card · page 1, all headings, limit method and margin table · 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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