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.

Facility amountNo minimum, maximum, drawing-power formula or sanctioned amount is published; the page lists the available funded and non-funded facility types.Interest rateNot published on the reviewed official page; no benchmark, spread, commission or reset basis is stated.Customer typeCorporates, partnership firms and proprietary concerns in industry, trade and services requiring short-term business finance.

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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.

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

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Turnover / vintageNot published on the reviewed official page; no turnover, revenue, profitability or business-vintage threshold is stated.View source

The complete page describes customer types and facilities but does not publish a financial threshold.

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

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Facility amountNo minimum, maximum, drawing-power formula or sanctioned amount is published; the page lists the available funded and non-funded facility types.View source

The official page lists funded cash credit/demand loan/bill discounting and non-funded / facilities, without a numeric limit table.

Source: PNB Working Capital Financing
Page / section: Funded and non-funded facilities
Accessed: 30 Aug 2026
Confidence: high

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Interest rateNot published on the reviewed official page; no benchmark, spread, commission or reset basis is stated.View source

The complete page describes working-capital products but publishes no pricing.

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

Open official source ↗

TenureShort-term working-capital finance; the page does not publish a facility tenor, renewal cycle or review schedule.View source

The page describes short-term working-capital requirements, but gives no repayment tenor.

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

Open official source ↗

CollateralNot published on the reviewed official page; no security, margin, guarantee or drawing-power schedule is stated.View source

The official page lists facility forms but no collateral terms.

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

Open official source ↗

FeesNot published on the reviewed official page; no processing, commitment, letter-of-credit or guarantee fee is stated.View source

The complete page has no fee tariff or charge amount.

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

Open official source ↗

DocumentsNo itemised document checklist is published on the reviewed page; PNB requests application, KYC, financial and facility/security documents during assessment.View source

No application-document checklist appears on the complete page.

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

Open official source ↗

Geographic limitsPNB presents the facilities for its business customers in India and states that funded and non-funded finance may be available in Indian and foreign currency; no narrower territory is published.View source

The official Benefits section says facilities are available in Indian and foreign currency.

Source: PNB Working Capital Financing
Page / section: Benefits
Accessed: 30 Aug 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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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.

Use the published table

Find the exact published value

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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 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 Expo Gold Card Scheme for Exporters