Business, & agriculture finance

PNB Digi Loan

Paperless PNB finance for eligible micro and small enterprises, with overdraft and term-loan options up to ₹10 lakh or up to ₹25 lakh on credit-summation assessment.

Loan amountUp to ₹10 lakh; where the limit is assessed on credit summation in a current account, it may extend up to ₹25 lakh.Interest rateCompetitive rate linked to RLLR (Repo Linked Lending Rate).Customer typeIndividuals and sole proprietors running manufacturing, trading or service MSEs

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✓ Manually checked 4 Sept 2026 · active

Offered byPunjab National Bank

India

Key facts

What the official sources publish

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PurposeDay-to-day working capital through overdraft, or acquisition of plant, machinery, equipment, vehicles and other business assets through a term loan.View source

PNB lists overdraft for working capital and term loans for business assets.

Source: PNB Digi Loan
Page / section: Type of facility
Accessed: 4 Sept 2026
Confidence: high

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Facility typeOverdraft and term loan.View source

The page publishes both overdraft and term-loan options.

Source: PNB Digi Loan
Page / section: Type of facility
Accessed: 4 Sept 2026
Confidence: high

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Loan amountUp to ₹10 lakh; where the limit is assessed on credit summation in a current account, it may extend up to ₹25 lakh.View source

PNB states up to ₹10 lakh, extendable to ₹25 lakh under credit-summation assessment.

Source: PNB Digi Loan
Page / section: Loan amount
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Interest rateCompetitive rate linked to RLLR (Repo Linked Lending Rate).View source

The page says pricing is competitive and linked to .

Source: PNB Digi Loan
Page / section: Interest rate
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

TenureTerm loan up to 7 years, including up to 6 months' moratorium; overdraft is for 12 months and renewable annually.View source

PNB publishes separate term-loan and overdraft repayment periods.

Source: PNB Digi Loan
Page / section: Repayment
Accessed: 4 Sept 2026
Confidence: high

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CollateralNo collateral required; facility is secured under CGTMSE guarantee coverage.View source

The page states no collateral and coverage.

Source: PNB Digi Loan
Page / section: Collateral
Accessed: 4 Sept 2026
Confidence: high

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EligibilityIndividuals and sole proprietors in manufacturing, trading or services with a valid Udyam Registration; no fund-based revolving business loan from another bank/FI; an active KYC-compliant operative account for the last 12 months where credit-summation assessment is used.View source

PNB publishes the borrower types, sectors, Udyam condition and account/facility restrictions.

Source: PNB Digi Loan
Page / section: Purpose and eligibility criteria
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

AssessmentCredit-summation assessment may use 25% of total credits over the last 12 months; projection-based assessment may use 20% of realistic projected turnover; term loan can cover up to 75% of the asset value.View source

The page publishes all three assessment methods and percentages.

Source: PNB Digi Loan
Page / section: Assessment methods
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Turnover / account historyDigi MSME does not publish a minimum turnover or vintage threshold; where credit-summation assessment is used, PNB requires an active KYC-compliant operative account for the previous 12 months. Growth Plus assesses GST-return entities on 25% of GST sales for the last 12 months or non-GST entities on 25% of credit summation for the last 12 months.View source

Neither page states a universal turnover floor; both publish the 12-month account/sales assessment conditions recorded here.

Source: PNB Digi Loan and Growth Plus Scheme
Page / section: Eligibility and assessment
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Processing feeDigi MSME: no numeric processing fee is published on the reviewed page. Growth Plus: 25% concession on applicable processing fee is published, but the base fee is not stated.View source

Digi does not list a processing fee; Growth Plus lists a 25% concession but no base amount.

Source: PNB Digi Loan and Growth Plus Scheme
Page / section: Complete fee review
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Geographic limitsIndiaView source

The manually reviewed product record states: “India”.

Source: PNB Digi Loan — official product page
Page / section: Published product metadata
Accessed: 4 Sept 2026
Confidence: high

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Customer typeIndividuals and sole proprietors running manufacturing, trading or service MSEsView source

The manually reviewed product record states: “Individuals and sole proprietors running manufacturing, trading or service ”.

Source: PNB Digi Loan — official product page
Page / section: Published product metadata
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

DocumentsUdyam Registration Certificate, KYC/PAN and digital application information; PNB may request additional sanction documentsView source

The manually reviewed product record states: “Udyam Registration Certificate, / and digital application information; PNB may request additional sanction documents”.

Source: PNB Digi Loan — official product page
Page / section: Published product metadata
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Digital overdraft for working capital
Term loan for plant, machinery, equipment, vehicles or other business assets
No collateral; guarantee coverage
Term loan up to 7 years including up to 6-month moratorium

Eligibility

Valid Udyam Registration; no fund-based revolving business loan from another bank/FI; active -compliant operative account for the previous 12 months where credit-summation assessment is used.

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

Documents the bank lists

Udyam Registration Certificate, / and digital application information; PNB may request additional sanction documents

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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.

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ProductChoose column

Digi Loan · Facility / amount and term loan; up to ₹10 lakh or ₹25 lakh on credit-summation basis

This value is copied from PNB digital and working-capital products. Check the table notes before relying on it.

Source: PNB Banking catalogue · Schemes and linked product pages Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 3 rows · 5 columnsPNB MSME digital and working-capital productsPublished terms transcribed from PNB's current product pages.View tableHide table

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PNB MSME digital and working-capital products
Product	Facility / amount	Assessment	Tenure	Security / rate
Digi Loan	and term loan; up to ₹10 lakh or ₹25 lakh on credit-summation basis	25% of 12-month credits, 20% projected turnover, or 75% asset value for term loan	Term loan up to 7 years incl. 6-month moratorium; 12 months renewable	No collateral; ; -linked
Growth Plus	Funded and non-funded WC; ₹10 lakh–₹2 crore	25% of 12-month sales or credits	Not published on reviewed page	100% collateral//hybrid; -linked from 8.50%
e- Express / Digi Prime	Cash credit; ₹10 lakh–₹10 crore	25% sales with 75% routing; otherwise lower of 25% sales or credits	1 year, renewable annually	or 75% collateral; -linked

Final sanction, security and applicable charges remain subject to PNB's current guidelines.

PNB Banking catalogue · Schemes and linked product pages · accessed 4 Sept 2026Open official source ↗

PNB Digi Loan

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 e-GST Express Loan (Digi MSME Prime)

PNB Expo Gold Card Scheme for Exporters

PNB Growth Plus Scheme

PNB Working Capital Financing

PNB Digi MSME Loan

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 e-GST Express Loan (Digi MSME Prime)

PNB Expo Gold Card Scheme for Exporters

PNB Growth Plus Scheme

PNB Working Capital Financing

PNB Digi Loan