Business, & agriculture finance

PNB Sanjeevani Scheme

Finance for healthcare facilities, medical equipment, vehicles and working capital. The current scheme sheet caps total facilities at ₹10 crore for individuals and ₹50 crore for non-individual medical centres, with separate working-capital sublimits.

Facility amountIndividuals: maximum ₹10 crore total, including working capital up to ₹2 crore. Medical centres/hospitals and other non-individual borrowers: maximum ₹50 crore total, including working capital up to ₹5 crore.Eligible customerQualified medical professionals, including proprietorships, and licensed medical/veterinary/diagnostic centres operated by the listed entities; valid URN for MSME cases.CollateralAt least 25% collateral in immovable property/liquid security, or CGTMSE/CGSSI cover for the full loan. No additional collateral is required for a term loan against land/building when the mortgaged primary security exceeds 110% of total exposure.

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✓ 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

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Eligible customerQualified medical professionals, including proprietorships, and licensed medical/veterinary/diagnostic centres operated by the listed entities; valid URN for MSME cases.View source

The sheet lists individual medical qualifications and the permitted medical-centre entity/service, licence, doctor-management and approval conditions. The detailed qualifications and conditions are also retained in eligibilityNotes and the full source table.

Source: PNB Sanjeevani Scheme — current catalogue-linked sheet
Page / section: pp.1–2, Eligibility
Accessed: 8 Oct 2026
Confidence: high

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Experience requirementIndividual applicants need at least 2 years' experience; if experience is below 2 years, the maximum overdraft is ₹1 crore. The sheet gives no universal turnover threshold.View source

PNB states minimum experience of 2 years and caps the at ₹1 crore when experience is less than 2 years; it does not state a turnover amount.

Source: PNB Sanjeevani Scheme — current catalogue-linked sheet
Page / section: page 1, Eligibility — individual applicant experience
Accessed: 8 Oct 2026
Confidence: high

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The two borrower-type caps and their separate working-capital sublimits are transcribed separately; one is not substituted for the other.

Source: PNB Sanjeevani Scheme — current catalogue-linked sheet
Page / section: page 2, Loan Amount
Accessed: 8 Oct 2026
Confidence: high

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RepaymentTerm loan: up to 10 years including moratorium up to 24 months; standalone equipment-finance moratorium up to 6 months. OD: yearly renewal and repayable on demand. Reducing OD: up to 10 years/120 months, subject to annual renewal.View source

Each facility type has its own repayment/renewal rule; demand status is not presented as a fixed amortisation term.

Source: PNB Sanjeevani Scheme — current catalogue-linked sheet
Page / section: page 2, Tenure of Loan
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

CollateralAt least 25% collateral in immovable property/liquid security, or CGTMSE/CGSSI cover for the full loan. No additional collateral is required for a term loan against land/building when the mortgaged primary security exceeds 110% of total exposure.View source

The alternative guarantee route and specific primary-security exception are preserved separately.

Source: PNB Sanjeevani Scheme — current catalogue-linked sheet
Page / section: page 2, Collateral Security
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Processing / upfront feeNominal unified processing/upfront fee; the sheet gives no rupee amount or percentage.View source

Keep the scheme's published fee wording; the current general tariff does not supply a scheme-specific rupee fee.

Source: PNB Sanjeevani Scheme — current catalogue-linked sheet
Page / section: page 2, Service Charges
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

DocumentsPNB links a conditional 25-item general MSME checklist for MSME applicants; the checklist is not Sanjeevani-specific or exhaustive. PNB's commercial-loan FAQ says a case-specific checklist accompanies the application.View source

The checklist includes entity/owner, registration, financial, existing-bank, project and security records, with applicability conditions shown in its complete table. PNB's says the scheme/application-specific list accompanies the form.

Source: PNB Banking catalogue and linked general checklist
Page / section: Banking, scheme link and Application Forms/Checklist; checklist pp.1–2, items 1–25
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

MSME credit-decision timelineFor MSME applications, PNB states a credit-decision timeline not exceeding 14 working days for limits up to ₹25 lakh and 6 weeks for limits above ₹25 lakh. This is not a sanction or disbursement guarantee.View source

The says the timelines are mandated under the direction and distinguishes a digital 59-minute approval journey from subsequent bank disbursement. The conditional scope is retained.

Source: PNB Frequently Asked Questions — Commercial Loans
Page / section: Commercial Loans , What is the time frame for sanctioning Commercial Loans?; table: Credit Limit / Time limit not exceeding
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Benefits and features

Term loan, overdraft/reducing overdraft, need-based bank guarantee and letter of credit; Buyers' Credit is subject to regulatory norms.
Term loans can run up to 10 years, including a maximum 24-month moratorium; standalone equipment finance has a shorter published moratorium cap.

Eligibility

Individuals, including proprietorships, need a recognized medical-science qualification from the listed minimum qualifications. A postgraduate/diploma qualification is required for specialized CT, MRI and PET equipment.
Individuals need at least 2 years' experience; below 2 years, the maximum overdraft limit is ₹1 crore. Statutory clearances/approvals are required.
Medical centres/hospitals must be among the listed entity types, provide medical/veterinary/diagnostic services under a valid licence, not have promoters/owners, and have qualified doctors as owners or in management, with required approvals/registrations and employed qualified doctors. cases require a valid URN.

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

Documents the bank lists

For applicants, see PNB's linked 25-item general checklist; items are conditional on entity and facility and it is not a Sanjeevani-specific or exhaustive list. PNB's Commercial Loans says a loan-specific checklist accompanies the application form.

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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.

TableParameter

Purpose / objective · Published termsSet up, expand, renovate or modernize nursing homes, clinics, hospitals, veterinary hospitals and medical-tourism infrastructure, including pathological labs, diagnostic centres, maternity homes, endoscopy, dialysis, IVF and ENT centres; specialty skin, dental, orthopaedic-prosthetics and heart-research centres; physiotherapy, Ayurvedic, Homeopathic, acupressure and medical-treatment yoga centres; other therapy/medical centres. Purchase new/refurbished medical equipment; office equipment (computers, air conditioners, furniture), vehicles/ambulances; and hospital oxygen plants with power backup for medical use.

This value is copied from PNB Sanjeevani Scheme — complete current published terms. Check the table notes before relying on it.

Source: PNB Sanjeevani Scheme — current catalogue-linked sheet · pages 1–2, complete scheme 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 · 10 rows · 2 columnsPNB Sanjeevani Scheme — complete current published termsView tableHide table

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PNB Sanjeevani Scheme — complete current published terms
Parameter	Published terms
Purpose / objective	Set up, expand, renovate or modernize nursing homes, clinics, hospitals, veterinary hospitals and medical-tourism infrastructure, including pathological labs, diagnostic centres, maternity homes, endoscopy, dialysis, IVF and ENT centres; specialty skin, dental, orthopaedic-prosthetics and heart-research centres; physiotherapy, Ayurvedic, Homeopathic, acupressure and medical-treatment yoga centres; other therapy/medical centres. Purchase new/refurbished medical equipment; office equipment (computers, air conditioners, furniture), vehicles/ambulances; and hospital oxygen plants with power backup for medical use.
Eligibility — individuals	Recognized-university medical-science qualification at least MBBS, BDS, BHMS, BAMS, Veterinary, BPT or BUMS; postgraduate/diploma qualification for specialized CT/MRI/PET equipment; at least 2 years' experience, or if below 2 years an cap of ₹1 crore; statutory clearances/approvals.
Eligibility — medical centres/hospitals	AOPs, partnerships, , private limited companies, trusts and societies providing medical/veterinary/diagnostic services with a valid licence; promoters/owners must not be . Hospital owned by qualified doctors or doctors in management as partner/director/trustee; statutory approvals/registrations and qualified doctors employed. cases require valid URN.
Facility type	Project/equipment/vehicle term loan; working capital as overdraft or reducing ; need-based bank guarantee; need-based letter of credit (may be sublimit of term loan within overall limit); Buyers' Credit within regulatory norms.
Loan amount	Individuals: maximum ₹10 crore including working capital up to ₹2 crore. Medical centres/hospitals and other non-individual borrowers: maximum ₹50 crore including working capital up to ₹5 crore.
Margin	Premises acquisition/expansion/renovation/modernization: 25%. New equipment/machinery, on-road new vehicle or ambulance: 15%. Refurbished medical equipment: age up to 3 years, 40%; above 3 years, 50%. Land: 50%.
Tenure	Term loan up to 10 years including moratorium up to 24 months; standalone equipment finance moratorium up to 6 months. renewed yearly and repayable on demand. Reducing up to 10 years/120 months, subject to annual renewal.
Collateral security	At least 25% collateral in immovable property/liquid security OR /CGSSI coverage for the full loan. No additional collateral is required for the term-loan portion against land/building when mortgaged primary land/building security exceeds 110% of total exposure.
Rate of interest	Concessional rate linked with Internal Risk Rating; no numeric rate/spread stated in the scheme sheet.
Service charges	Nominal unified processing/upfront fee; no rupee amount/percentage stated in the sheet.

Transcribed from the currently linked two-page sheet. The older unlinked PNB sheet has different terms and is retained separately as historical evidence, not merged here.

PNB Sanjeevani Scheme — current catalogue-linked sheet · pages 1–2, complete scheme table · accessed 8 Oct 2026Open official source ↗

Table 2 · 25 rows · 3 columnsPNB general MSME checklist — full published itemsView tableHide table

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PNB general MSME checklist — full published items
Item	Document / information requested	Condition
1	Asset and liability statement of proprietor/partners/directors	As applicable to the entity
2	SSI/ registration and registration certificates	If applicable
3	Rent agreement for rented business premises; Pollution Control Board clearance	If applicable
4	Applicant should not be a defaulter with any bank/financial institution	Applicant condition in checklist
5	Account statement for the last 6 months with existing bankers	Existing bankers
6	Three 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 loans	Financial records and projection periods depend on facility
7	Borrowing concern's year-to-date performance (balance sheet, profit and loss, etc.)	As requested in checklist
8	Information on legal heirs and relationship to applicant	Individual/sole proprietor/partner/ cases
9	Government 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 projections	Term loans; items depend on project
10	Month-wise sales and production; imported/indigenous raw materials; work-in-progress/finished stock; debtors, creditors and bank working-capital/term/bill-discounting outstanding	Account review information
11	Manufacturing process, executive profiles, tie-ups, raw-material suppliers, buyers, competitors and comparative strengths/weaknesses	Manufacturing/where applicable
12	Top 20 major suppliers and customers, with contact number/address	As requested in checklist
13	Unit profile: promoters/directors, business activity, office/plant addresses and shareholding pattern	As applicable to entity
14	External risk rating copy	If applicable/available for facility
15	Lease/title deeds and approved plans for properties offered as primary/collateral security	Where property security is offered
16	Agreement with principal	Distributors/sole selling agents/franchises
17	Proof of minority status	If applicable (the checklist cites SC/ST/OBC etc.)
18	Borrowing concern and promoters'/directors'/partners' income-tax returns	As requested in checklist
19	Associate/allied concern details and their last three years' financial statements/borrowing arrangements	Where associates/allied concerns exist
20	Other-bank/FI sanction terms and reason for takeover	Takeover cases
21	Existing-bank account position and confirmation that the asset is standard	Takeover cases
22	Orders in hand, status and copies of orders/letters of intent/contracts	Bank-guarantee limit
23	Lease deeds, lease term/unexpired period/renewal/exit/penalty; lessor profile and lessee constitution, management, scale, years, business and profitability	Future-lease-rental discounting only
24	Sanction letters with detailed terms and conditions	Existing sole/multiple/consortium-bank limits
25	Any other document required under prevailing bank guidelines	Bank's residual request

PNB's full general checklist. Each row's conditional scope is retained; it is not a scheme-specific exhaustive list, and non- applicants should not treat it as their checklist.

PNB loan documents checklist — current linked · pages 1–2, checklist items 1–25 · accessed 8 Oct 2026Open official source ↗

Table 3 · 14 rows · 2 columnsPNB Commercial Loans FAQ — common and activity-dependent application documentsView tableHide table

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PNB Commercial Loans FAQ — common and activity-dependent application documents
Document / information	PNB-published condition
Duly filled loan application form	Common document
Identity proof: Aadhaar, Voter , passport, driving licence, , or signature identification from present bankers	Proprietor/partner/director, as applicable
Residence proof: Aadhaar, recent telephone/electricity bill, property-tax receipt, passport or voter	Proprietor/partner/director, as applicable
Proof of business address	Common document
Company Memorandum/Articles or partnership deed	Constitution documents, as applicable
Promoter/guarantor assets and liabilities statement with latest income-tax returns	Common document
Legal Entity Identifier registration	Listed under common documents
SSI/ registration / Udyog Aadhaar Memorandum	If applicable
Projected balance sheets for the next 2 years for working capital; for the loan period for term finance	Facility-dependent
Last 3 years' audited balance sheets	Firm/company etc., as applicable
Lease/title deeds of properties offered as primary or collateral security	Where property is offered
Certificate of incorporation from Registrar of Companies, including and directors' DIN	For a company
Bank account details and outstanding existing loans/limits	Where applicable
number and returns	If applicable

PNB's says it will provide a legal/regulatory-compliant case checklist with the application form and can assist with the form. This list is general commercial-loan guidance, not a scheme-specific exhaustive requirement.

PNB Frequently Asked Questions — Commercial Loans · Commercial Loans , What Documents need to be submitted for a commercial loan? · accessed 8 Oct 2026Open official source ↗

Table 4 · 2 rows · 2 columnsPNB MSME credit-decision timelineView tableHide table

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PNB MSME credit-decision timeline
Credit limit	Time limit not exceeding
Up to ₹25 lakh	14 working days
Above ₹25 lakh	6 weeks

PNB says these timelines apply to conveying credit decisions under the direction. The separately states that post-digital approval disbursement depends on the information and documentation supplied; this table is not a promise of sanction or disbursement.

PNB Frequently Asked Questions — Commercial Loans · Commercial Loans , credit-decision timeline table · accessed 8 Oct 2026Open official source ↗

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PNB Sanjeevani Scheme

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

PNB Arhatia Scheme

PNB Artisan Credit Card

PNB Bill Financing

PNB Compressed Bio Gas (CBG) under SATAT Scheme