Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
PurposeWorking-capital requirements through funded and non-funded facilities.View source
The page says the scheme meets working-capital requirements and provides FB+NFB facilities.
- Source
- PNB Growth Plus Scheme
- Page / section
- Purpose and type of facility
- Accessed
- 4 Sept 2026
- Confidence
- high
Facility typeFunded and non-funded working-capital facilities.View source
PNB labels the facility as working capital (FB+NFB).
- Source
- PNB Growth Plus Scheme
- Page / section
- Type of facility
- Accessed
- 4 Sept 2026
- Confidence
- high
Loan amount₹10 lakh to ₹2 crore.View source
The page publishes a ₹10 lakh–₹200 lakh range.
- Source
- PNB Growth Plus Scheme
- Page / section
- Loan amount
- Accessed
- 4 Sept 2026
- Confidence
- high
Interest rateConcessional rate linked to RLLR, starting from 8.50% per annum.View source
PNB states -linked pricing starting from 8.50%.
- Source
- PNB Growth Plus Scheme
- Page / section
- Rate of interest
- Accessed
- 4 Sept 2026
- Confidence
- high
MarginOverdraft: nil. Non-fund based facility: minimum 10%.View source
The page publishes separate overdraft and non-fund margins.
- Source
- PNB Growth Plus Scheme
- Page / section
- Margin
- Accessed
- 4 Sept 2026
- Confidence
- high
AssessmentGST-return entities: 25% of sales reported in GST returns for the last 12 months. Non-GST-return entities: 25% of credit summation in the bank account over the last 12 months.View source
PNB publishes the two assessment formulas and 12-month period.
- Source
- PNB Growth Plus Scheme
- Page / section
- Assessment of loan
- Accessed
- 4 Sept 2026
- Confidence
- high
CollateralImmovable property and/
The page publishes 100% exposure coverage and alternatives.
- Source
- PNB Growth Plus Scheme
- Page / section
- Collateral security
- Accessed
- 4 Sept 2026
- Confidence
- high
Special features25% concession on processing fee and LC/
PNB lists the fee concessions, payment-charge waivers and targeted concessions.
- Source
- PNB Growth Plus Scheme
- Page / section
- Special features
- Accessed
- 4 Sept 2026
- Confidence
- high
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
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
TenureNot published on the reviewed Growth Plus product page; the page describes working-capital facilities without a fixed repayment period.View source
The current page publishes purpose, facility, amount, assessment, rate, margin and security but no tenure.
- Source
- PNB Growth Plus Scheme
- Page / section
- Complete repayment-tenure review
- Accessed
- 4 Sept 2026
- Confidence
- high
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
- Source
- PNB Growth Plus Scheme — official product page
- Page / section
- Published product metadata
- Accessed
- 4 Sept 2026
- Confidence
- high
Customer typeMSMEs and non-MSMEs, with special focus on micro enterprises, women and youth entrepreneursView source
The manually reviewed product record states: “ and non-, with special focus on micro enterprises, women and youth entrepreneurs”.
- Source
- PNB Growth Plus Scheme — official product page
- Page / section
- Published product metadata
- Accessed
- 4 Sept 2026
- Confidence
- high
DocumentsKYC, constitution and GST/financial information required for the selected facility; PNB sanction terms govern the final checklistView source
The manually reviewed product record states: “, constitution and /financial information required for the selected facility; PNB sanction terms govern the final checklist”.
- Source
- PNB Growth Plus Scheme — official product page
- Page / section
- Published product metadata
- Accessed
- 4 Sept 2026
- Confidence
- high
Benefits and features
- Funded and non-funded working-capital facilities
- Rate starting at 8.50% linked to
- 25% concession on applicable processing fee and /
commission - Nil , and charges
- or hybrid-security route
Eligibility
- Individuals, proprietorships, partnerships, , private/
public companies, trusts, societies and cooperatives with registration wherever applicable; assessment uses 25% of last-12-month sales or credit summation.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- , constitution and /financial information required for the selected facility; PNB sanction terms govern the final checklist
Related official documents
PNB Growth Plus Schemeofficial-product-page · current · accessed 4 Sept 2026
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