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PNB Loan Against Future Lease Rentals

A term loan or overdraft against assigned rent from eligible leased commercial property; repayment is capped at 144 months or the assessed lease period, whichever is earlier.

Facility amountBased on the present value of net rent receivable over the unexpired lease or loan tenor, whichever is lower; rent is counted net of applicable TDS, GST and other taxes.Interest rateMSME borrowers: RLLR + BSP; other borrowers: 1-year MCLR. Add the published internal-rating spread: non-CRE 0.10%–3.45%; CRE 0.35%–3.95%.Eligible property and tenantProperty owners leasing to listed public-sector/government or reputed corporate institutions; approved/affiliated private schools or colleges; reputed private hospitals or nursing homes; or franchisees, dealers and distributors of reputed corporates.
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Quick eligibility check

PNB Loan Against Future Lease Rentals

0 of 5 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: Property owners leasing to listed public-sector/government or reputed corporate institutions?

Published source: Eligible property and tenant

2Do you meet this requirement: approved/affiliated private schools or colleges?

Published source: Eligible property and tenant

3Do you meet this requirement: reputed private hospitals or nursing homes?

Published source: Eligible property and tenant

4Do you meet this requirement: or franchisees, dealers and distributors of reputed corporates?

Published source: Eligible property and tenant

5Do you meet this requirement: The property must be leased to a tenant class named by PNB: public-sector/government or reputed corporate institutions, banks, financial institutions, insurers, MNCs, approved/affiliated private schools or colleges, reputed private hospitals/nursing homes, or franchisees/dealers/distributors of reputed corporates?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 Oct 2026 · active
PNB Loan Against Future Lease Rentals
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.

PurposeFinance against future rent from a leased property in a metro, urban, semi-urban or rural centre.View source
The page says the scheme is for property owners with property in metro/urban/semi-urban/rural centres who have let it out.
Source
PNB Scheme for Loan Against Future Lease Rental
Page / section
Opening paragraph; Nature and extent of loan
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Eligible property and tenantProperty owners leasing to listed public-sector/government or reputed corporate institutions; approved/affiliated private schools or colleges; reputed private hospitals or nursing homes; or franchisees, dealers and distributors of reputed corporates.View source
PNB lists the four eligible tenant groups, including government/public undertakings, banks/FIs/insurers/MNCs, approved education institutions, reputed healthcare institutions, and franchise/dealer/distributor tenants.
Source
PNB Scheme for Loan Against Future Lease Rental
Page / section
Eligibility, clauses (i)–(iv)
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
FacilityTerm loan or overdraft on reducing drawing power.View source
The page states: Term Loan or Overdraft on reducing Drawing Power.
Source
PNB Scheme for Loan Against Future Lease Rental
Page / section
Nature and extent of loan
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Facility amountBased on the present value of net rent receivable over the unexpired lease or loan tenor, whichever is lower; rent is counted net of applicable TDS, GST and other taxes.View source
PNB bases the maximum loan on NPV of net rent within the unexpired lease period or loan tenor, whichever is lower, after taxes.
Source
PNB Scheme for Loan Against Future Lease Rental
Page / section
Nature and extent of loan
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Interest rateMSME borrowers: RLLR + BSP; other borrowers: 1-year MCLR. Add the published internal-rating spread: non-CRE 0.10%–3.45%; CRE 0.35%–3.95%.View source
The product-named schedule sets loans over + and other borrowers over 1-year ; it lists non- and spreads separately by PNB risk grade. This is a formula, not one all-in rate.
Source
PNB Other Advances (Not Specified Elsewhere) interest-rate schedule
Page / section
Heading effective 01-07-2025; §5, benchmark note and non-/ grade tables
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
RepaymentMaximum 144 months or the total lease period used to assess the loan amount, whichever is earlier.View source
The page sets the earlier of 144 months or the lease period considered for calculating the eligible loan amount.
Source
PNB Scheme for Loan Against Future Lease Rental
Page / section
Repayment
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
SecurityAssignment of lease rentals and equitable mortgage of the leased property. For repayment up to 5 years, the loan cannot exceed mortgaged property value; beyond 5 years, it cannot exceed 75% of that value. Company borrowers require personal guarantees from promoter-directors.View source
PNB requires assignment of rent and equitable mortgage; the property-value caps vary by repayment period, with a promoter-director guarantee for companies.
Source
PNB Scheme for Loan Against Future Lease Rental
Page / section
Security
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Applicable fee scheduleFor a sanctioned term loan, use PNB §4.1 upfront fees; for an overdraft/working-capital facility, use §3.1. Which schedule applies depends on the sanctioned facility. Applicable taxes and stated out-of-pocket charges are extra.View source
The current schedule provides separate working-capital processing and term-loan upfront schedules. It does not identify one fee for both alternative facility forms.
Source
PNB Credit Related Service Charges — corporate facility schedule
Page / section
§§3.1 and 4.1; tax note
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Facility can be a term loan or an overdraft on reducing drawing power
  • Eligible amount is assessed from net lease rentals after applicable taxes and the lease/loan period
  • Repayment may extend to 144 months, subject to the lease-period cap

Eligibility

  • The property must be leased to a tenant class named by PNB: public-sector/government or reputed corporate institutions, banks, financial institutions, insurers, MNCs, approved/affiliated private schools or colleges, reputed private hospitals/nursing homes, or franchisees/dealers/distributors of reputed corporates.

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

Related official documents

PNB Download Forms directory — corporate lending checklist scope reviewofficial-forms-directory · relevant-form-directory-scope-reviewed · accessed 8 Oct 2026
↗
PNB Corporate Loans catalogueofficial-product-catalogue · all-corporate-catalogue-rows-reviewed · accessed 8 Oct 2026
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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 Scheme for Loan Against Future Lease Rentalofficial-product-page · complete-product-content-reviewed · accessed 8 Oct 2026
↗
PNB Other Advances (Not Specified Elsewhere) interest-rate scheduleofficial-interest-rate-page · shared-official-rate-sections-reviewed-exact-applicability-mapped · accessed 8 Oct 2026
↗

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Loan repayment estimate

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One monthly payment₹14,435fourteen thousand four hundred thirty-five rupees
Interest paid over the full loan₹9,64,362nine lakh sixty-four thousand three hundred sixty-two rupees
Everything you repay₹34,64,362thirty-four lakh sixty-four thousand three hundred sixty-two 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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Loan Against Future Lease Rentals · PNB-published purpose and scopeFor property owners who have let out property in metro, urban, semi-urban or rural centres.

This value is copied from PNB corporate loan catalogue. Check the table notes before relying on it.

Source: PNB Corporate Loans catalogue · Corporate Loans, all eight cards Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsPNB corporate loan catalogueAll eight corporate loan facilities and the corresponding purpose published in the PNB catalogue.View tableHide table

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PNB corporate loan catalogue
FacilityPNB-published purpose and scope
Loan Against Future Lease RentalsFor property owners who have let out property in metro, urban, semi-urban or rural centres.
Working Capital FinancingShort-term funds for day-to-day business operations.
Project Finance and Infrastructure FinanceFund and non-fund credit for new projects and expansion, diversification or modernization of existing projects.
Term LoansCapital expenditure for setting up/starting an industrial unit or new business, and for expansion.
Export FinancePre-shipment and post-shipment fund-based and non-fund-based export credit.
Bill FinancingPurchase, discount or advance against collection of inland bills for genuine trade; the card also names RRs, MTRs, government-supply bills, third-party demand drafts and cheques.
Financing Against Future ReceivablesFinance against assured receivables for corporate/non-corporate borrowers, including educational institutions, BPO/KPO and BOT road toll/annuity receivables.
Short Term LoanBusiness-exigency finance for reputed and corporate customers, for a period not exceeding 12 months.
PNB Corporate Loans catalogue · Corporate Loans, all eight cards · accessed 8 Oct 2026Open official source ↗
Table 2 · 10 rows · 2 columnsPNB Loan Against Future Lease Rentals — published termsView tableHide table

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PNB Loan Against Future Lease Rentals — published terms
ParameterPublished term
Eligible propertyLeased property situated in metro, urban, semi-urban or rural centres.
Eligible tenants/government/semi-government/state government and reputed corporates, banks, financial institutions, insurers and MNCs; approved/affiliated private schools/colleges; reputed private hospitals/nursing homes; franchisees/dealers/distributors of reputed corporates.
FacilityTerm loan or overdraft on reducing drawing power.
Amount assessmentNPV of net rent receivables within unexpired lease period or loan tenor, whichever is lower.
Rent calculationNet of , or other applicable taxes.
SecurityAssignment of rent and equitable mortgage of the leased property.
Property-value capRepayment up to 5 years: loan cannot exceed mortgaged-property value. Repayment beyond 5 years: loan cannot exceed 75% of mortgaged-property value.
Company borrowersPersonal guarantee of promoter-directors.
RepaymentMaximum 144 months or the lease period considered for amount assessment, whichever is earlier.
Service chargesAs per PNB credit-related service charges; applicable schedule depends on whether the sanctioned facility is a term loan or overdraft.
PNB Scheme for Loan Against Future Lease Rental · Eligibility; Nature and extent; Security; Repayment; Service Charges · accessed 8 Oct 2026Open official source ↗
Table 3 · 28 rows · 4 columnsFuture lease-rental finance: benchmark and borrower-grade spreadsRate schedule published as effective 1 July 2025. The current RLLR/MCLR benchmarks are separately dated; no all-in rate is calculated.View tableHide table

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Future lease-rental finance: benchmark and borrower-grade spreads
Borrower classificationPNB internal gradeBenchmarkSpread
, non-PNB-A1 + 0.10%
, non-PNB-A2 + 0.20%
, non-PNB-A3 + 0.35%
, non-PNB-A4 + 0.60%
, non-PNB-B1 + 1.10%
, non-PNB-B2 + 2.00%
, non-PNB-B3 and below + 3.45%
Other borrower, non-PNB-A11-year 0.10%
Other borrower, non-PNB-A21-year 0.20%
Other borrower, non-PNB-A31-year 0.35%
Other borrower, non-PNB-A41-year 0.60%
Other borrower, non-PNB-B11-year 1.10%
Other borrower, non-PNB-B21-year 2.00%
Other borrower, non-PNB-B3 and below1-year 3.45%
, PNB-A1 + 0.35%
, PNB-A2 + 0.45%
, PNB-A3 + 0.70%
, PNB-A4 + 0.95%
, PNB-B1 + 1.60%
, PNB-B2 + 2.50%
, PNB-B3 and below + 3.95%
Other borrower, PNB-A11-year 0.35%
Other borrower, PNB-A21-year 0.45%
Other borrower, PNB-A31-year 0.70%
Other borrower, PNB-A41-year 0.95%
Other borrower, PNB-B11-year 1.60%
Other borrower, PNB-B21-year 2.50%
Other borrower, PNB-B3 and below1-year 3.95%
PNB Other Advances (Not Specified Elsewhere) interest-rate schedule · §5, effective 01-07-2025 · accessed 8 Oct 2026Open official source ↗
Table 4 · 12 rows · 3 columnsPNB term-loan upfront fee — current §4.1 scheduleFresh term loans/reviews; schedule is headed for all advances except agriculture borrowers. Tax and stated out-of-pocket costs are extra.View tableHide table

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PNB term-loan upfront fee — current §4.1 schedule
ExposureInternal risk gradeCurrent upfront fee
Up to ₹25,000AllNil
Above ₹25,000 to ₹1 lakhAll₹500
Above ₹1 lakh to ₹5 lakhAll₹1,200
Above ₹5 lakh to ₹10 lakhAll1.40%
Above ₹10 lakh to ₹1 croreAll1.35%; minimum ₹14,000
Above ₹1 crore to ₹10 croreA1–A31.05%; minimum ₹1.35 lakh
Above ₹1 crore to ₹10 croreA4/B11.30%; minimum ₹1.35 lakh
Above ₹1 crore to ₹10 croreB2 and below1.60%; minimum ₹1.35 lakh
Above ₹10 croreA1–A31.00%; minimum ₹10.50 lakh
Above ₹10 croreA4/B11.25%; minimum ₹13 lakh
Above ₹10 croreB2 and below1.50%; minimum ₹16 lakh
Expense and inclusion notesWhere rating does not apply/CERSAI/insurance and other stated expenses are additional. For ₹5–10 lakh, upfront fee includes CERSAI/inspection/documentation/NEC/valuation (insurance and state stamp duty actual); for >₹10 lakh–₹1 crore it includes documentation and inspection. Above ₹1 crore, unrated accounts use B2 pricing.
PNB Credit Related Service Charges — corporate facility schedule · §4.1, existing-charge column and notes · accessed 8 Oct 2026Open official source ↗

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