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Business, & agriculture finance

PNB Tatkaal

Working-capital cash credit or term loan for business expansion and fixed assets, from ₹1 lakh to ₹25 lakh; property purchase/construction is excluded and working-capital finance is assessed through the PSB Loans in 59 Minutes portal.

Facility amount₹1 lakh to ₹25 lakh.Interest rateAs per PNB policy; current MSME spread table for exposure up to ₹20 lakh is RLLR+BSP+0.15% up to ₹50,000 and +1.40% above ₹50,000. For exposure above ₹20 lakh and below ₹5 crore, spread is RLLR+BSP plus the internal-risk-rating spread: PNB-A1 +0.80%, A2 +1.30%, A3 +1.60%, A4 +1.65%, B1 +2.95%, B2 +4.10%, B3 +7.40%, C1 and below +8.00%. BSP is not quantified; no all-in quote is calculated.Eligible borrowerGST-registered individuals, firms, companies, LLPs, co-operative societies or trusts engaged in lawful, non-speculative business; GST returns must have been filed for at least the last year. Not for purchase/construction of immovable property.
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Quick eligibility check

PNB Tatkaal

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.

1Do you meet this requirement: GST-registered individuals, firms, companies, LLPs, co-operative societies or trusts engaged in lawful, non-speculative business?

Published source: Eligible borrower

2Do you meet this requirement: GST returns must have been filed for at least the last year?

Published source: Eligible borrower

3Do you meet this requirement: Not for purchase/construction of immovable property?

Published source: Eligible borrower

4Do you meet this requirement: GST registration and at least one year of filed GST returns are explicit eligibility inputs?

Published source: Documents

5Do you meet this requirement: The portal obtains last-12-month actual GST sales for working-capital assessment?

Published source: Documents

6Document checkDo you have this required document or proof: GST registration and at least one year of filed GST returns are explicit eligibility inputs. The portal obtains last-12-month actual GST sales for working-capital assessment. PNB's general MSME checklist may request additional conditional KYC, financial, project and security records?

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 borrowerGST-registered individuals, firms, companies, LLPs, co-operative societies or trusts engaged in lawful, non-speculative business; GST returns must have been filed for at least the last year. Not for purchase/construction of immovable property.View source
The conditions were transcribed from the rendered because its text layer is corrupt.
Source
PNB Tatkaal Scheme
Page / section
page 1, Purpose and Eligibility
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Facility amount₹1 lakh to ₹25 lakh.View source
The table states minimum ₹1.00 lakh and maximum ₹25.00 lakh.
Source
PNB Tatkaal Scheme
Page / section
page 1, Loan Limit
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Interest rateAs per PNB policy; current MSME spread table for exposure up to ₹20 lakh is RLLR+BSP+0.15% up to ₹50,000 and +1.40% above ₹50,000. For exposure above ₹20 lakh and below ₹5 crore, spread is RLLR+BSP plus the internal-risk-rating spread: PNB-A1 +0.80%, A2 +1.30%, A3 +1.60%, A4 +1.65%, B1 +2.95%, B2 +4.10%, B3 +7.40%, C1 and below +8.00%. BSP is not quantified; no all-in quote is calculated.View source
The Tatkaal says rate is per Bank policy; the current PNB schedule supplies exposure/risk spreads. is 8.35% effective 08-10-2026; and customer rating are not fixed here.
Source
PNB Advances rates and Tatkaal Scheme
Page / section
Advances effective 01-07-2025, exposure up to ₹20 lakh and ₹20 lakh to below ₹5 crore; Tatkaal page 1, Rate of Interest
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Working-capital assessmentPortal derives projected sales from actual GST sales for the last 12 months; permissible working-capital finance is 20% of projected sales. Term-loan amount is assessed from cash accrual, margin, tenure and applicable ROI through the portal.View source
The defines actual sales X, projected sales Y and =20% of Y; no minimum turnover threshold is stated.
Source
PNB Tatkaal Scheme
Page / section
page 2, Permissible Bank Finance /
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Minimum marginMinimum 25%.View source
The states minimum margin 25%.
Source
PNB Tatkaal Scheme
Page / section
page 2, Margin (%)
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
TenureCash credit: 1 year, subject to annual renewal. Term loan: up to 7 years; includes a maximum 6-month moratorium, which the next higher authority may extend up to 1 year.View source
The CC renewal and term-loan repayment/moratorium terms are stated separately.
Source
PNB Tatkaal Scheme
Page / section
page 1, Tenor of Loan
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
SecurityPrimary: hypothecation of assets created from bank finance and the unit's entire present and future current and non-current assets. All loans must have CGTMSE/CGTSI cover; for CGTMSE guarantee cover above ₹10 lakh, Circle Head permission is required under MSME Policy.View source
The source distinguishes hypothecated primary assets from the guarantee-coverage condition.
Source
PNB Tatkaal Scheme
Page / section
page 1, Security
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
DocumentsGST registration and at least one year of filed GST returns are explicit eligibility inputs. The portal obtains last-12-month actual GST sales for working-capital assessment. PNB's general MSME checklist may request additional conditional KYC, financial, project and security records.View source
The manually reviewed product record states: “ registration and at least one year of filed returns are explicit eligibility inputs. The portal obtains last-12-month actual sales for working-capital assessment. PNB's general checklist may request additional conditional , financial, project and security records.”.
Source
PNB Tatkaal — official product page
Page / section
Published product metadata
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Cash-credit and term-loan options
  • Working-capital is 20% of projected sales derived from prior 12-month sales; term finance is calculated by the portal using cash accrual, margin, tenure and

Eligibility

  • Individuals, firms, companies, , co-operative societies and trusts engaged in lawful, non-speculative business; -registered units must have filed returns for at least the last year. Purchase/construction of immovable property is excluded.

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

Documents the bank lists

  • registration and at least one year of filed returns are explicit eligibility inputs. The portal obtains last-12-month actual sales for working-capital assessment. PNB's general checklist may request additional conditional , financial, project and security records.

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 Tatkaal — business finance scheme parameters and descriptionsofficial-msme-scheme-pdf · all-pages-visual-review-text-layer-corrupt · 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₹13,802thirteen thousand eight hundred two rupees
Interest paid over the full loan₹8,12,588eight lakh twelve thousand five hundred eighty-eight rupees
Everything you repay₹33,12,588thirty-three lakh twelve thousand five hundred eighty-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.

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Purpose · Published termBusiness finance or expansion; not for purchase/construction of immovable property

This value is copied from PNB Tatkaal — complete scheme parameters and finance calculation. Check the table notes before relying on it.

Source: PNB Tatkaal Scheme · pages 1–2; every visual table row and calculation Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 13 rows · 2 columnsPNB Tatkaal — complete scheme parameters and finance calculationView tableHide table

Scroll sideways to view every column

PNB Tatkaal — complete scheme parameters and finance calculation
ParameterPublished term
PurposeBusiness finance or expansion; not for purchase/construction of immovable property
Eligible entitiesIndividuals, firms, companies, , co-operative societies and trusts in lawful, non-speculative business
condition-registered units with returns filed for at least the last year
FacilitiesCash credit for working capital; term loan for fixed assets
Amount₹1 lakh to ₹25 lakh
Primary securityHypothecation of assets created from finance plus all present/future current and non-current unit assets
Guarantee coverAll loans covered under /CGTSI; Circle Head permission under Policy for coverage above ₹10 lakh
Cash-credit tenor1 year subject to annual renewal
Term-loan tenorUp to 7 years including max 6-month moratorium; next higher authority may extend moratorium up to 1 year
InterestAs per Bank policy; current PNB exposure-rate spread matrix linked below
Working-capital assessmentPortal obtains actual sales for last 12 months from ; projected sales are portal-derived; = 20% of projected sales
Term-loan assessmentPortal amount calculation considers cash accrual, margin, tenure and applicable
MarginMinimum 25%
PNB Tatkaal Scheme · pages 1–2; every visual table row and calculation · 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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