Business, & agriculture finance

PNB Expo Gold Card Scheme for Exporters

Export-credit facility with a three-year in-principle limit, automatic renewal subject to terms and a 20% standby limit for eligible exporters.

Facility amountIn-principle credit limit is sanctioned for three years, with a standby limit equal to 20% of the assessed limit; peak/off-peak limits may be set for seasonal goods. No rupee ceiling is published.Interest rateNo numeric rate is published on the reviewed page; PNB states a preference for packing credit in foreign currency and foreign-currency term loans.Customer typeCreditworthy exporters with minimum internal risk rating B1 and a Standard PNB account maintained continuously for three years without irregularities or adverse features.

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✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

India for export businesses and their overseas trade

Key facts

What the official sources publish

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Customer typeCreditworthy exporters with minimum internal risk rating B1 and a Standard PNB account maintained continuously for three years without irregularities or adverse features.View source

PNB publishes the B1 rating and three-year Standard-account conditions.

Source: PNB Expo Gold Card Scheme for Exporters
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

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Turnover / vintageExport-bill overdue must not exceed 10% of the previous year's export turnover; collection-basis exporters must have export business for at least three years. The page does not publish a minimum turnover amount.View source

The eligibility section gives the 10% overdue-bill test and three-year collection-basis history.

Source: PNB Expo Gold Card Scheme for Exporters
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

PNB states three-year in-principle limits, 20% standby and peak/off-peak limits.

Source: PNB Expo Gold Card Scheme for Exporters
Page / section: Credit limit
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Interest rateNo numeric rate is published on the reviewed page; PNB states a preference for packing credit in foreign currency and foreign-currency term loans.View source

The page gives facility preferences but no interest percentage or spread.

Source: PNB Expo Gold Card Scheme for Exporters
Page / section: Credit limit
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureThree-year facility validity with automatic renewal for another three years unless adverse features arise; annual review applies.View source

PNB publishes three-year validity, three-year auto-renewal and yearly review.

Source: PNB Expo Gold Card Scheme for Exporters
Page / section: Validity and repayment
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

CollateralNot published on the reviewed official page; no universal security, margin or collateral schedule is stated.View source

The complete page gives exporter and limit conditions but no security terms.

Source: PNB Expo Gold Card Scheme for Exporters
Page / section: Complete page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing timelinePublished processing target: 25 days for a fresh sanction, 15 days for renewal and 7 days for an ad-hoc limit; no processing-fee amount is published.View source

PNB publishes 25/15/7-day processing timelines and no fee amount.

Source: PNB Expo Gold Card Scheme for Exporters
Page / section: Processing time
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

DocumentsNo itemised checklist is published on the reviewed page; exporter financials, risk rating, account conduct, KYC and sanction/security documents are assessed by PNB.View source

The page sets eligibility and limits but contains no document checklist.

Source: PNB Expo Gold Card Scheme for Exporters
Page / section: Complete page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsIndia-based PNB exporter facility supporting overseas trade; no state, branch or country restriction is published.View source

The product is presented for Indian exporters; the page does not narrow the export destination scope.

Source: PNB Expo Gold Card Scheme for Exporters
Page / section: Overview
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Three-year in-principle credit limit
20% standby limit
Peak/off-peak limits for seasonal goods
Preference for packing credit in foreign currency and foreign-currency term loans
Defined fresh, renewal and ad-hoc processing timelines

Eligibility

Requires minimum internal risk rating B1, a Standard account for three continuous years without irregularities, no relevant blacklist/loss-making conditions and export-bill overdue within the published 10% limit.

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

Documents the bank lists

Exporter application, financials, risk-rating and account-conduct records plus security/ documents requested by PNB; no fixed checklist is published on the reviewed page

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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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TableFacility group

Working-capital purpose · Published facilities / useOperating expenses, inventory purchases and receivables financing

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

Source: PNB Working Capital Financing · Overview; Funded and non-funded facilities; SFMS/IFN verification Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 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 2 · 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 ↗

PNB Expo Gold Card Scheme for Exporters

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 Working Capital Financing