Business, & agriculture finance

PNB Working Capital Financing

Short-term finance for operating expenses, inventory and receivables through funded facilities, letters of credit and bank guarantees.

Customer typeCorporates, partnership firms and proprietary concerns in industry, trade and services requiring short-term business finance.Working-capital processing chargeCurrent §3.1 schedule: up to ₹25,000 nil; above ₹25,000–₹1 lakh ₹500; above ₹1–₹5 lakh ₹1,200; above ₹5–₹10 lakh 0.60%; above ₹10 lakh–₹1 crore 0.50% (minimum ₹6,000); above ₹1–₹10 crore 0.35%–0.50% by internal rating (minimum ₹50,000); above ₹10 crore 0.30%–0.40% by rating, with ₹3.50–₹5 lakh minimums. Schematic, retail and agriculture credit are excluded; taxes and specified expenses are extra.PurposeShort-term funds for day-to-day business operations across industry, trade and services.

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✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

India; facilities may be in Indian or foreign currency

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

PurposeShort-term funds for day-to-day business operations across industry, trade and services.View source

PNB says it provides working-capital finance for short-term funds needed to manage day-to-day business operations and the needs of industry, trade and services.

Source: PNB Working Capital Financing
Page / section: Overview
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Customer typeCorporates, partnership firms and proprietary concerns in industry, trade and services requiring short-term business finance.View source

PNB says working capital is provided to corporates, partnership firms and proprietary concerns in industry, trade and services.

Source: PNB Working Capital Financing
Page / section: Overview
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

FacilitiesFunded: cash credit, demand loan and bill discounting. Non-funded: inland/overseas letters of credit and performance/financial bank guarantees.View source

The official page enumerates the funded and non-funded instruments and identifies inland/overseas and performance/financial types.

Source: PNB Working Capital Financing
Page / section: Funded and non-funded facilities
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Working-capital processing chargeCurrent §3.1 schedule: up to ₹25,000 nil; above ₹25,000–₹1 lakh ₹500; above ₹1–₹5 lakh ₹1,200; above ₹5–₹10 lakh 0.60%; above ₹10 lakh–₹1 crore 0.50% (minimum ₹6,000); above ₹1–₹10 crore 0.35%–0.50% by internal rating (minimum ₹50,000); above ₹10 crore 0.30%–0.40% by rating, with ₹3.50–₹5 lakh minimums. Schematic, retail and agriculture credit are excluded; taxes and specified expenses are extra.View source

The existing-charge column is current on 8 October 2026. The same section lists a separate revised schedule effective 1 November 2026, which is not substituted for the current tariff.

Source: PNB Credit Related Service Charges — corporate facility schedule
Page / section: §3.1 current-charge column and scope notes
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Benefits and features

Cash credit, demand loan and bill discounting
Inland and overseas letters of credit
Performance and financial bank guarantees
Facilities in Indian and foreign currency

Eligibility

PNB describes facilities for corporates, partnership firms and proprietary concerns in industry, trade and services; sanction-specific eligibility is assessed by the bank.

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

Documents the bank lists

PNB business-loan application and /financial/security documents requested during sanction; no fixed checklist is published on the reviewed page

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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.

TableFacility

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
Facility	PNB-published purpose and scope
Loan Against Future Lease Rentals	For property owners who have let out property in metro, urban, semi-urban or rural centres.
Working Capital Financing	Short-term funds for day-to-day business operations.
Project Finance and Infrastructure Finance	Fund and non-fund credit for new projects and expansion, diversification or modernization of existing projects.
Term Loans	Capital expenditure for setting up/starting an industrial unit or new business, and for expansion.
Export Finance	Pre-shipment and post-shipment fund-based and non-fund-based export credit.
Bill Financing	Purchase, 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 Receivables	Finance against assured receivables for corporate/non-corporate borrowers, including educational institutions, BPO/KPO and BOT road toll/annuity receivables.
Short Term Loan	Business-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 · 6 rows · 2 columnsPNB working-capital facilitiesView tableHide table

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PNB working-capital facilities
Facility group	Published facilities / conditions
Purpose	Short-term funds for day-to-day business operations in industry, trade and services.
Customer forms	Corporates, partnership firms and proprietary concerns.
Funded facilities	Cash credit, demand loan and bill discounting.
Non-funded facilities	Inland/overseas letters of credit and performance/financial bank guarantees.
Currency	Indian rupees and foreign currency.
Guarantee transmission	PNB identifies SFMS IFN 760/760 COV for guarantees and IFN 767 COV for amendments; the page asks beneficiaries to confirm through the controlling office/online verification portal.

PNB Working Capital Financing · Complete product content · accessed 8 Oct 2026Open official source ↗

Table 3 · 18 rows · 4 columnsWorking-capital processing fee — existing/current and future revised chargesSection 3.1 excludes schematic, retail and agriculture credit. Current charges apply on 8 October 2026; revised values begin 1 November 2026. Tax and expense conditions in the notes also apply.View tableHide table

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Working-capital processing fee — existing/current and future revised charges
Exposure	Risk grade	Current charge	Revised from 01-11-2026
Up to ₹25,000	All	Nil	No change
Above ₹25,000 to ₹1 lakh	All	₹500	No change
Above ₹1 lakh to ₹5 lakh	All	₹1,200	No change
Above ₹5 lakh to ₹10 lakh	All	0.60%	No change
Above ₹10 lakh to ₹1 crore	All	0.50%; minimum ₹6,000	0.60%; minimum ₹6,000
Above ₹1 crore to ₹10 crore	A1/A2	0.35%; minimum ₹50,000	0.40%; minimum ₹60,000
Above ₹1 crore to ₹10 crore	A3	0.35%; minimum ₹50,000	0.45%; minimum ₹60,000
Above ₹1 crore to ₹10 crore	A4	0.45%; minimum ₹50,000	0.45%; minimum ₹60,000
Above ₹1 crore to ₹10 crore	B1	0.45%; minimum ₹50,000	0.55%; minimum ₹60,000
Above ₹1 crore to ₹10 crore	B2	0.50%; minimum ₹50,000	0.55%; minimum ₹60,000
Above ₹1 crore to ₹10 crore	B3 and below	0.50%; minimum ₹50,000	0.80%; minimum ₹60,000
Above ₹10 crore	A1/A2	0.30%; minimum ₹3.50 lakh	0.30%; minimum ₹4 lakh
Above ₹10 crore	A3	0.30%; minimum ₹3.50 lakh	0.35%; minimum ₹4.50 lakh
Above ₹10 crore	A4	0.35%; minimum ₹4.50 lakh	0.35%; minimum ₹4.50 lakh
Above ₹10 crore	B1	0.35%; minimum ₹4.50 lakh	0.45%; minimum ₹5.50 lakh
Above ₹10 crore	B2	0.40%; minimum ₹5 lakh	0.45%; minimum ₹5.50 lakh
Above ₹10 crore	B3 and below	0.40%; minimum ₹5 lakh	0.80%; minimum ₹8 lakh
Notes	Applicability	/CERSAI/insurance and other stated expenses are additional; internal-rating fallback and bundled-cost exceptions apply at the amounts stated in §3.1. Enhancement fees are pro-rated. Standalone bills backed by another approved bank's have a separate 25%-of-card-rate/minimum-₹500 rule; own-bank ILC-backed standalone bill limits and listed occasional transactions have stated nil-fee exceptions.	Current exclusions continue unless revised schedule specifies otherwise.

PNB Credit Related Service Charges — corporate facility schedule · §3.1 · accessed 8 Oct 2026Open official source ↗

Table 4 · 16 rows · 3 columnsInland letter-of-credit service chargesCurrent charges are effective on 8 October 2026. The future column contains changes effective 1 November 2026; taxes are extra.View tableHide table

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Inland letter-of-credit service charges
Charge	Current published term	Revised from 01-11-2026
opening, per	Minimum ₹1,000; monthly commission inclusive of commitment/usance: A1–A3 0.09% p.m. (1.08% p.a.); A4/B1 0.10% (1.20%); B2 0.17% (2.04%); B3 and below 0.21% (2.52%). Unrated: B2 rate. Charge period runs from opening through validity plus usance; part-month counts as a full month.	Minimum ₹1,000; A1/A2 0.09% p.m.; A3/A4 0.10%; B1 0.12%; B2 0.20%; B3 and below 0.25%. Unrated: B2 rate. Same calculation period.
Confirmation and revolving	Normal §1.1 charges.	No change.
Advising	0.10%; minimum ₹1,000, maximum ₹5,000; each amendment advising ₹500 flat.	No change.
Discrepant documents negotiated/discounted under	0.30%; minimum ₹3,000 when payment is received and credited to beneficiary.	No change.
Certificate/commercial invoice attestation	₹50 per invoice; minimum ₹100 per occasion.	No change.
Clean payment received under	₹500 flat.	No change.
Transferable	₹1,000 flat per transfer.	No change.
Negotiating/discounting bills under	0.30% of bill amount; minimum ₹1,000, maximum ₹10,000, plus applicable interest from negotiation to reimbursement.	No change.
Amendment	Validity extension: normal §1.1 charges on the extended period. Other amendments: ₹500 flat each. Enhancement/extension rows state recovery on the relevant increased amount/period.	Revised extension/reduction fee is the difference between total revised charge and charge already recovered, with minimum ₹500 per instance; other amendments unchanged.
Liquid-margin concession	At least 100% margin: 25% of normal charge; at least 75%: 50%; at least 50%: 75%; below 50%: normal commission.	No change.
Postage/out-of-pocket expense	Collected from beneficiary unless otherwise specified.	No change.
Payment of bills under	Bill up to ₹50 lakh: ₹1,500; above ₹50 lakh: ₹2,000 per bill.	No change.
SFMS/ India message	₹150 per message.	No change.
Non-payment/non-acceptance of demand/usance bill on presentation due date	0.20% of bill amount; minimum ₹1,000.	No change.
Outward-ILC discrepancy handling (new)	Not listed in current column.	0.15% of bill amount; minimum ₹500, maximum ₹1,500; deducted from remittance when discrepant documents are presented, even if terms allocate charges to issuing bank.
Inward/outward ILC collection/bill handling (new)	Not listed in current column.	Per bill up to ₹25 lakh: ₹500; above ₹25 lakh: ₹1,000.

PNB Credit Related Service Charges — corporate facility schedule · §1.1–1.17 · accessed 8 Oct 2026Open official source ↗

Table 5 · 12 rows · 3 columnsInland bank-guarantee service chargesCurrent charges are effective on 8 October 2026. The future column contains changes effective 1 November 2026; taxes are extra.View tableHide table

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Inland bank-guarantee service charges
Charge	Current published term	Revised from 01-11-2026
Guarantee up to ₹1 crore	PBG 2.00% p.a.; FBG 2.40% p.a.	Current schedule unchanged.
Guarantee above ₹1 crore — A1–A3	PBG 1.60% p.a.; FBG 2.00% p.a.	A1/A2 unchanged; A3/A4: PBG 1.70%, FBG 2.10% p.a.
Guarantee above ₹1 crore — A4/B1	PBG 1.80% p.a.; FBG 2.25% p.a.	A4: PBG 1.70%, FBG 2.10% p.a.; B1: PBG 1.85%, FBG 2.25% p.a.
Guarantee above ₹1 crore — B2	PBG 2.00% p.a.; FBG 2.50% p.a.	PBG 2.10% p.a.; FBG 2.50% p.a.
Guarantee above ₹1 crore — B3 and below	PBG 2.40% p.a.; FBG 3.00% p.a.	PBG 2.60% p.a.; FBG 3.00% p.a.
Minimum commission / unrated / periodic recovery	Minimum one quarter; unrated accounts use B2 rate. If commission is recovered annually/quarterly instead of for full guarantee+claim period, additional 0.25% p.a.	Minimum one quarter; same stated conditions.
Liquid-margin concession	At least 100% liquid margin: 25% of normal charge; at least 75%: 50% of normal charges.	No change.
Refund on cancellation	Refund full unexpired quarters only; minimum two quarters recovered; no refund if guarantee is invoked.	No change.
Government/state/ECGC/bank counter-guarantee	50% of normal commission on the counter-guaranteed amount; normal commission on the uncovered portion.	No change.
Standby	Commission at par with financial bank guarantee.	No change.
SFMS/ India message	₹150 per message.	No change.
Guarantee amendment	Up to ₹10 lakh: ₹500; above ₹10 lakh–₹1 crore: ₹1,000; above ₹1–₹10 crore: ₹2,000; above ₹10 crore: ₹5,000 per instance.	No change.

PNB Credit Related Service Charges — corporate facility schedule · §2.1–2.7 · accessed 8 Oct 2026Open official source ↗

Table 6 · 6 rows · 2 columnsPNB working-capital facilitiesFacility types and uses published on PNB's official working-capital page.View tableHide table

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PNB working-capital facilities
Facility group	Published facilities / use
Working-capital purpose	Operating expenses, inventory purchases and receivables financing
Funded	Cash credit, demand loan and bill discounting; direct assistance for business assets and expenses
Non-funded	Inland and overseas letters of credit; performance and financial bank guarantees
Currency	Indian currency and foreign currency
Verification	PNB provides SFMS/IFN 760 and IFN 767 guidance for bank-guarantee verification
Not published	No universal amount, rate, tenor, security, fee or document checklist

PNB Working Capital Financing · Overview; Funded and non-funded facilities; SFMS/IFN verification · accessed 30 Aug 2026Open official source ↗

Table 7 · 6 rows · 2 columnsPNB Expo Gold Card published termsEligibility, limits, validity and processing timelines from PNB's official exporter scheme page.View tableHide table

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PNB Expo Gold Card published terms
Area	Published term
Eligibility	B1 or better internal risk rating; Standard account continuously 3 years; no blacklisting/loss-making conditions
Export track record	Overdue export bills at or below 10% of previous-year export turnover; collection-basis exporter has at least 3 years export business
Credit limit	In-principle limit for 3 years; standby limit 20% of assessed limit; peak/off-peak limits for seasonal goods
Validity	3 years with automatic renewal for another 3 years subject to terms; annual review
Processing target	25 days fresh, 15 days renewal and 7 days ad hoc
Not published	No numeric rupee ceiling, interest rate, collateral schedule or fee amount

PNB Expo Gold Card Scheme for Exporters · Eligibility; Credit limit; Validity; Processing time · accessed 30 Aug 2026Open official source ↗

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PNB Working Capital Financing

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