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Business, & agriculture finance

PNB Sampatti Scheme

Need-based business finance through overdraft, term-loan and non-fund facilities, secured against eligible property; the scheme sheet publishes assessment, , tenure and fees.

Facility amount and assessmentNeed-based. The assessed amount is the lower of 25% of projected annual sales/receipts, a cash-budget assessment, 4 times average cash profit over the last 3 years, or the maximum prescribed LTV, subject to the minimum prescribed LTV. For named professionals/self-employed borrowers without proper financial statements, MPBF can be 4 times annual income.Interest rateCurrent PNB schedule, last updated 7 October 2026: up to ₹5 crore, RLLR+BSP+1.00%; above ₹5 crore, card rate or RLLR+BSP+1.50%, whichever is lower. The undated Sampatti PDF shows different spreads (above ₹0.50 lakh to ₹25 lakh: +2.40%; above ₹25 lakh to ₹5 crore: +1.10%; above ₹5 crore: card rate or +1.60%, whichever is lower); the newer explicitly named rate-page rows are used for current pricing and the discrepancy is retained below.Customer typeMSMEs and non-MSMEs borrowing for business purposes; Professionals and self-employed borrowers without proper financial statements have a separate income-based MPBF method
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Quick eligibility check

PNB Sampatti Scheme

0 of 8 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: MSMEs and non-MSMEs for business purposes, subject to the scheme's exclusions?

Published source: Eligibility

2Does your annual income meet this requirement: For professionals/self-employed borrowers without proper financial statements, the sheet separately permits MPBF of up to 4 times annual income?

Published source: Eligibility

3Do you meet this product condition: PNB's linked general MSME checklist requests business/owner financial and KYC records, applicable MSME/GST registration, six months of existing-bank statements, audited financial statements/tax returns, projections and property title/security papers?

Published source: Application documents

4Do you meet this requirement: The checklist is not Sampatti-specific?

Published source: Application documents

5Do you meet this requirement: takeover applicants also need existing facility terms and account status?

Published source: Application documents

6Document checkDo you have this required document or proof: PNB's linked general MSME checklist requests entity/owner asset and liability statements; applicable MSME and GST registrations; six months of statements from existing bankers; three years of audited accounts and applicable tax returns; current performance and projections; and title/security documents?

Published source: Application documents

7Document checkDo you have this required document or proof: For term finance it requests a project report and applicable approvals; takeover cases require the existing facility terms and account status. These are general checklist items, not a Sampatti-specific exhaustive list?

Published source: Application documents

8Document checkDo you have this required document or proof: the sheet refers to certain exclusions but does not list them in the reviewed one-page document?

Published source: Application documents
0 of 8 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.

PurposeWorking capital; augmenting long-term margin; purchase, construction, renovation or expansion of business premises; acquisition of fixed assets; temporary liquidity mismatch; and repayment of business loans from other banks/financial institutions.View source
The purpose rows include working capital, premises, fixed assets, liquidity mismatch and repayment of other-bank/FI business loans.
Source
PNB Sampatti Scheme
Page / section
page 1, Purpose/Objective rows
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
FacilityGeneral or reducing overdraft, term loan and non-fund-based facility.View source
The scheme lists general/reducing overdraft, term loan and non-fund-based facility.
Source
PNB Sampatti Scheme
Page / section
page 1, Type of Facility
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
EligibilityMSMEs and non-MSMEs for business purposes, subject to the scheme's exclusions. For professionals/self-employed borrowers without proper financial statements, the sheet separately permits MPBF of up to 4 times annual income.View source
The eligibility row covers and non- for business purposes except certain exclusions; the assessment row provides the four-times-income route for named professionals/self-employed borrowers without proper statements.
Source
PNB Sampatti Scheme
Page / section
page 1, Eligibility and Assessment rows
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Facility amount and assessmentNeed-based. The assessed amount is the lower of 25% of projected annual sales/receipts, a cash-budget assessment, 4 times average cash profit over the last 3 years, or the maximum prescribed LTV, subject to the minimum prescribed LTV. For named professionals/self-employed borrowers without proper financial statements, MPBF can be 4 times annual income.View source
The amount row says need-based; the assessment row specifies the lower-of methods and the separate four-times-annual-income route.
Source
PNB Sampatti Scheme
Page / section
page 1, Loan Amount and Assessment rows
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Repayment tenureReducing overdraft and term loan: up to 180 months. General overdraft: 1 year, subject to annual renewal.View source
The sheet states 180 months for reducing and term loan and one year with annual renewal for general .
Source
PNB Sampatti Scheme
Page / section
page 1, Tenure of Loan/Repayment
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Loan-to-valueResidential property: up to 65% of realizable value. Other-than-residential property: up to 60% of realizable value.View source
The row sets up to 65% for residential property and 60% for property other than residential, measured against realizable value.
Source
PNB Sampatti Scheme
Page / section
page 1, Loan to Value Ratio
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
SecurityLoan sizing is subject to prescribed LTV against property; the scheme sheet distinguishes residential and other-than-residential realizable property values.View source
The scheme ties sizing to prescribed and publishes separate residential/other property ceilings.
Source
PNB Sampatti Scheme
Page / section
page 1, Loan to Value Ratio and Loan Assessment
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
BenchmarkCurrent PNB RLLR: 8.35% effective 8 October 2026; Sampatti's current named scheme rows price over RLLR+BSP. BSP and final card rate are not specified for an individual borrower.View source
The page displays 8.35% and names Sampatti in section 4.3 with spreads over +.
Source
PNB Interest Rates on Advances — current benchmarks
Page / section
row and section 4.3
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Interest rateCurrent PNB schedule, last updated 7 October 2026: up to ₹5 crore, RLLR+BSP+1.00%; above ₹5 crore, card rate or RLLR+BSP+1.50%, whichever is lower. The undated Sampatti PDF shows different spreads (above ₹0.50 lakh to ₹25 lakh: +2.40%; above ₹25 lakh to ₹5 crore: +1.10%; above ₹5 crore: card rate or +1.60%, whichever is lower); the newer explicitly named rate-page rows are used for current pricing and the discrepancy is retained below.View source
The updated PNB rate page expressly names Sampatti and gives up to ₹5 crore at ++1.00%, and above ₹5 crore at card rate or +1.50% whichever lower. The undated product contains different spreads, retained in the published evidence table as a source discrepancy.
Source
PNB Sampatti Scheme — current rate row and source conflict
Page / section
Current PNB rate page §4.3 (last updated 7 October 2026); compare undated scheme page 1, Rate of Interest
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Processing / upfront feeGeneral overdraft: processing fee 0.25% p.a. of the sanctioned limit. Term loan: upfront fee 0.50% of the loan amount.View source
The scheme sheet publishes process fee at 0.25% p.a. of the limit and TL upfront fee at 0.50% of the loan amount.
Source
PNB Sampatti Scheme
Page / section
page 1, Process Fee/Upfront Fee
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Application documentsPNB's linked general MSME checklist requests business/owner financial and KYC records, applicable MSME/GST registration, six months of existing-bank statements, audited financial statements/tax returns, projections and property title/security papers. The checklist is not Sampatti-specific; takeover applicants also need existing facility terms and account status.View source
The checklist lists entity/owner records, financial and tax statements, projections, title/security documents, and conditional takeover documents.
Source
PNB loan documents checklist
Page / section
pages 1–2, items 1–15 and takeover items 20–21
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Customer typeMSMEs and non-MSMEs borrowing for business purposes; Professionals and self-employed borrowers without proper financial statements have a separate income-based MPBF methodView source
The manually reviewed product record states: “ and non- borrowing for business purposes; Professionals and self-employed borrowers without proper financial statements have a separate income-based method”.
Source
PNB Sampatti Scheme — official product page
Page / section
Published product metadata
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Working capital, business premises, fixed assets, temporary liquidity and refinancing of other-bank business loans
  • Residential property up to 65%; other business property up to 60% of realizable value

Eligibility

  • For business purposes; the sheet refers to certain exclusions but does not list them in the reviewed one-page document.
  • Where proper financial statements are not maintained, the sheet says can be four times annual income for named professional/self-employed examples.

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

Documents the bank lists

  • PNB's linked general checklist requests entity/owner asset and liability statements; applicable and registrations; six months of statements from existing bankers; three years of audited accounts and applicable tax returns; current performance and projections; and title/security documents.
  • For term finance it requests a project report and applicable approvals; takeover cases require the existing facility terms and account status. These are general checklist items, not a Sampatti-specific exhaustive list.

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 application for MSME loans above ₹2 crore — catalogue-linked PDFofficial-msme-loan-application-form · complete-text-and-visual-review-amount-band-form · accessed 8 Oct 2026
↗
PNB-1016 (R) application for MSME loans up to ₹2 crore, other than MUDRAofficial-msme-loan-application-form · complete-text-and-visual-review-amount-band-form · 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 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
↗
PNB Sampatti Scheme — official one-page scheme sheetofficial-msme-scheme-pdf · complete-text-and-visual-review-rate-conflict-preserved · accessed 8 Oct 2026
↗

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Loan repayment estimate

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One monthly payment₹13,126thirteen thousand one hundred twenty-six rupees
Interest paid over the full loan₹6,50,268six lakh fifty thousand two hundred sixty-eight rupees
Everything you repay₹31,50,268thirty-one lakh fifty thousand two hundred sixty-eight 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 · Undated scheme-sheet entryWorking capital; long-term margin; business-premises purchase/construction/renovation/expansion; fixed assets; liquidity mismatch; repayment of other-bank/FI business loans

This value is copied from PNB Sampatti — scheme-sheet terms and rate-source discrepancy. Check the table notes before relying on it.

Source: PNB Sampatti Scheme and current PNB advances-rate page · Scheme page 1, all rows; current rate page section 4.3 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 3 columnsPNB Sampatti — scheme-sheet terms and rate-source discrepancyView tableHide table

Scroll sideways to view every column

PNB Sampatti — scheme-sheet terms and rate-source discrepancy
ParameterUndated scheme-sheet entryCurrent linked PNB rate page / disposition
PurposeWorking capital; long-term margin; business-premises purchase/construction/renovation/expansion; fixed assets; liquidity mismatch; repayment of other-bank/FI business loansSame purpose; source page 1
Eligible borrowers and non- for business purposes, except certain exclusionsThe one-page scheme sheet does not enumerate the exclusions
FacilitiesGeneral/reducing ; term loan; non-fund facilitySource page 1
Amount / assessmentNeed-based; lower of 25% projected annual sales/receipts, cash-budget method, 4× average last-3-year cash profit or maximum prescribed , subject to minimum prescribed Professionals/self-employed without proper statements: can be 4× annual income
RepaymentReducing /TL: 180 months; general : 1 year subject to annual renewalSource page 1
Property Residential up to 65% of realizable value; other property up to 60%Source page 1
Interest — scheme Above ₹0.50 lakh to ₹25 lakh: ++2.40%; above ₹25 lakh to ₹5 crore: +1.10%; above ₹5 crore: card rate or +1.60%, whichever lowerUndated rates conflict with the named rate-page rows below; do not treat this column as current pricing
Interest — current PNB pageNot stated on the undated scheme Page last updated 7 October 2026: up to ₹5 crore, ++1.00%; above ₹5 crore, card rate or ++1.50%, whichever lower
Processing/upfront feeGeneral process fee 0.25% p.a. of limit; TL upfront fee 0.50% of loan amountScheme-specific fee published on page 1
No product-specific in the scheme sheetThe general term and working-capital use illustrative assumptions that cannot be mapped to Sampatti's current named rate rows; no product is inferred
  • The current, explicitly named scheme-rate page updated 7 October 2026 is used for the comparison rate. No all-in rate is calculated because /card rate and applicant pricing are not specified.
PNB Sampatti Scheme and current PNB advances-rate page · Scheme page 1, all rows; current rate page section 4.3 · accessed 8 Oct 2026Open official source ↗
Table 2 · 2 rows · 2 columnsPNB Sampatti — current named scheme spreadsView tableHide table

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PNB Sampatti — current named scheme spreads
Loan amount bandPublished rate
Up to ₹5 crore++1.00 percentage point
Above ₹5 croreCard rate or ++1.50 percentage points, whichever is lower
  • Current rate page last updated 7 October 2026; is 8.35% effective 8 October 2026. /card rate is not supplied here as a borrower-specific all-in value.
PNB Interest Rates on Advances — current scheme rates · Section 4.3, PNB Sampatti Scheme · accessed 8 Oct 2026Open official source ↗
Table 3 · 25 rows · 3 columnsPNB-linked MSME loan checklist — full published itemsView tableHide table

Scroll sideways to view every column

PNB-linked MSME loan checklist — full published items
ItemDocument / information requestedCondition
1Asset and liability statement of proprietor/partners/directorsAs applicable to the entity
2SSI/ registration and registration certificatesIf applicable
3Rent agreement for rented business premises; Pollution Control Board clearanceIf applicable
4Applicant should not be a defaulter with any bank/financial institutionApplicant condition in checklist
5Account statement for the last 6 months with existing bankersExisting bankers
6Three years' audited unit balance sheets with income-tax/ returns and applicable assessment orders; provisional balance sheet if latest audited balance sheet is unavailable; projected balance sheet/cash budget for the next two years for working-capital limits and for the loan period for term loansFinancial records and projection periods depend on facility
7Borrowing concern's year-to-date performance (balance sheet, profit and loss, etc.)As requested in checklist
8Information on legal heirs and relationship to applicantIndividual/sole proprietor/partner/ cases
9Government approvals for power, pollution and building plan; land allotment/conveyance deed; architect certificate validating construction cost; project report with machinery, suppliers, price, capacity, production, sales, profit/loss and balance-sheet projectionsTerm loans; items depend on project
10Month-wise sales and production; imported/indigenous raw materials; work-in-progress/finished stock; debtors, creditors and bank working-capital/term/bill-discounting outstandingAccount review information
11Manufacturing process, executive profiles, tie-ups, raw-material suppliers, buyers, competitors and comparative strengths/weaknessesManufacturing/where applicable
12Top 20 major suppliers and customers, with contact number/addressAs requested in checklist
13Unit profile: promoters/directors, business activity, office/plant addresses and shareholding patternAs applicable to entity
14External risk rating copyIf applicable/available for facility
15Lease/title deeds and approved plans for properties offered as primary/collateral securityWhere property security is offered
16Agreement with principalDistributors/sole selling agents/franchises
17Proof of minority statusIf applicable (the checklist cites SC/ST/OBC etc.)
18Borrowing concern and promoters'/directors'/partners' income-tax returnsAs requested in checklist
19Associate/allied concern details and their last three years' financial statements/borrowing arrangementsWhere associates/allied concerns exist
20Other-bank/FI sanction terms and reason for takeoverTakeover cases
21Existing-bank account position and confirmation that the asset is standardTakeover cases
22Orders in hand, status and copies of orders/letters of intent/contractsBank-guarantee limit
23Lease deeds, lease term/unexpired period/renewal/exit/penalty; lessor profile and lessee constitution, management, scale, years, business and profitabilityFuture-lease-rental discounting only
24Sanction letters with detailed terms and conditionsExisting sole/multiple/consortium-bank limits
25Any other document required under prevailing bank guidelinesBank's residual request
  • This is the full bank-linked general checklist, not a promise that all 25 items apply to every scheme. Product-specific terms and the sanctioned facility control; items are conditional where shown.
PNB loan documents checklist · pages 1–2, checklist items 1–25 · accessed 8 Oct 2026Open official source ↗

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