IndiaBanks.org · independent research

Business, & agriculture finance

PNB Mahila Udyami

Term loan and overdraft for women-led income-generating manufacturing, service, trading or small-business activities, up to ₹10 lakh, for new units, expansion, modernization, fixed assets or working capital.

Facility amountUp to ₹10 lakh; the PDF describes term-loan and overdraft facilities.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. This scheme's ₹10 lakh ceiling is within those exposure bands; BSP is not quantified here.Eligible borrowerIndividual woman entrepreneur or enterprise with women entrepreneurs holding at least 50% of financial holding; applicant must not be a bank/FI defaulter. ST/SC/BPL and trained women receive preference; beneficiaries of Government-sponsored loan schemes are not eligible.
Official product page ↗Compare category

Quick eligibility check

PNB Mahila Udyami

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: Individual woman entrepreneur or enterprise with women entrepreneurs holding at least 50% of financial holding?

Published source: Eligible borrower

2Do you meet this requirement: applicant must not be a bank/FI defaulter?

Published source: Eligible borrower

3Do you meet this requirement: ST/SC/BPL and trained women receive preference?

Published source: Eligible borrower

4Do you meet this requirement: beneficiaries of Government-sponsored loan schemes are not eligible?

Published source: Eligible borrower

5Can you provide this required proof: PNB's linked general MSME checklist requests entity/owner KYC and registration, financial/tax records, existing-bank statements, projections, and project/security documents conditionally by facility?

Published source: Documents

6Document checkDo you have this required document or proof: The scheme PDF gives eligibility but no separate document checklist. PNB's linked general MSME checklist requests entity/owner KYC and registration, financial/tax records, existing-bank statements, projections, and project/security documents conditionally by facility?

Published source: Documents

7Document checkDo you have this required document or proof: The scheme PDF gives eligibility but no separate document checklist?

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

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 borrowerIndividual woman entrepreneur or enterprise with women entrepreneurs holding at least 50% of financial holding; applicant must not be a bank/FI defaulter. ST/SC/BPL and trained women receive preference; beneficiaries of Government-sponsored loan schemes are not eligible.View source
All eligibility and preference criteria are retained; preference is not treated as a mandatory threshold.
Source
PNB Mahila Udyami Scheme
Page / section
page 1, Purpose & Eligibility
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Facility amountUp to ₹10 lakh; the PDF describes term-loan and overdraft facilities.View source
The scheme restricts loan amount to ₹10,00,000.
Source
PNB Mahila Udyami Scheme
Page / section
page 1, Extent of Finance
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. This scheme's ₹10 lakh ceiling is within those exposure bands; BSP is not quantified here.View source
The table states a spread over +; no all-in customer rate is computed because /customer selection is not supplied.
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 ↗
Borrower marginUp to ₹2 lakh: nil; above ₹2 lakh to ₹5 lakh: 20%; above ₹5 lakh to ₹10 lakh: 25%.View source
All three amount bands and margins are preserved as printed.
Source
PNB Mahila Udyami Scheme
Page / section
page 1, Margin
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
RepaymentTerm loan: 3–5 years, with a maximum 3–6 month moratorium depending on activity and income generation. Overdraft: sanctioned for 3 years, reviewed annually and renewed every 3 years.View source
Term-loan repayment/moratorium and sanction/review/renewal are separate terms.
Source
PNB Mahila Udyami Scheme
Page / section
page 2, Repayment
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
SecurityPrimary: personal security of borrower and/or asset created from bank finance. Collateral: nil for eligible activities; covered under CGTMSE.View source
The distinguishes primary security from collateral security.
Source
PNB Mahila Udyami Scheme
Page / section
page 2, Security
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
DocumentsThe scheme PDF gives eligibility but no separate document checklist. PNB's linked general MSME checklist requests entity/owner KYC and registration, financial/tax records, existing-bank statements, projections, and project/security documents conditionally by facility.View source
The manually reviewed product record states: “The scheme gives eligibility but no separate document checklist. PNB's linked general checklist requests entity/owner and registration, financial/tax records, existing-bank statements, projections, and project/security documents conditionally by facility.”.
Source
PNB Mahila Udyami — official product page
Page / section
Published product metadata
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • No borrower margin up to ₹2 lakh; published margin bands are 20% above ₹2 lakh to ₹5 lakh and 25% above ₹5 lakh to ₹10 lakh
  • Collateral security is stated as nil for eligible activities covered under

Eligibility

  • Women must hold at least 50% of the enterprise's financial holding. Preference is given to ST/SC/BPL women and women trained by R-SETIs, skill-development institutions or other training institutes; applicants must not be bank/FI defaulters. Government-sponsored-scheme beneficiaries are excluded.

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

Documents the bank lists

  • The scheme gives eligibility but no separate document checklist. PNB's linked general checklist requests entity/owner and registration, financial/tax records, existing-bank statements, projections, and project/security documents conditionally by facility.

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 Mahila Udyami — scheme for financing women for income generationofficial-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
↗

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₹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.

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.

Purpose · Published conditionIncome-generating manufacturing, service, trading or small business; new unit, expansion/modernization, fixed assets and working capital

This value is copied from PNB Mahila Udyami — purpose, eligibility, finance, margin and repayment. Check the table notes before relying on it.

Source: PNB Mahila Udyami Scheme · pages 1–2, every scheme row 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 Mahila Udyami — purpose, eligibility, finance, margin and repaymentView tableHide table

Scroll sideways to view every column

PNB Mahila Udyami — purpose, eligibility, finance, margin and repayment
ParameterPublished condition
PurposeIncome-generating manufacturing, service, trading or small business; new unit, expansion/modernization, fixed assets and working capital
Eligible ownershipIndividual woman entrepreneur or enterprise with women holding at least 50% financial holding
PreferencesST/SC/BPL women and women trained by R-SETIs, skill-development or other training institutions
Other eligibilityMust not be a bank/FI defaulter; beneficiaries of Government-sponsored loan schemes are excluded
Facility / maximumTerm loan and overdraft; up to ₹10 lakh
Margin: up to ₹2 lakhNil
Margin: above ₹2 lakh to ₹5 lakh20%
Margin: above ₹5 lakh to ₹10 lakh25%
Term loan repayment3–5 years; maximum 3–6 month moratorium depending on activity and income generation
OverdraftSanction period 3 years; annual review; renewal every 3 years
Primary securityBorrower personal security and/or asset created from bank finance
CollateralNil for eligible activities, covered under
PNB Mahila Udyami Scheme · pages 1–2, every scheme row · 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 ↗

More from Punjab National Bank

Related products

PNB Arhatia Scheme

A working-capital overdraft for licensed commission agents/arhatias to advance farm inputs, buy farmers' output and fund post-harvest sorting or grading, up to ₹5 crore.

View product

PNB Artisan Credit Card

Term-loan and cash-credit support for artisans, stated up to ₹2 lakh, with nil margin at that limit, hypothecation of business assets and cover instead of collateral/third-party guarantee.

View product

PNB Bill Financing

Advances against inland bills through purchase, discounting or collection; PNB also names bills supported by railway or motor-transport receipts, government-supply bills, third-party demand drafts and cheques.

View product

PNB Compressed Bio Gas (CBG) under SATAT Scheme

Project finance for setting up a compressed bio-gas plant under SATAT, with a minimum ₹1 crore loan, minimum 2-tonne/day plant capacity and term-loan, working-capital and non-fund facilities.

View product