Interest Rate on Advances Linked to MCLR
Annexure I
MASTER TABLE FOR ADVANCES (Other than MSME, NBFC)- Applicable upto 31.08.2019
internal Risk Rating/
PNB Score/PNB Score SME |
External rating |
|
AAA |
AA |
A |
BBB |
Unrated |
BB & Below |
Unrated$ |
|
A1 |
>80 |
MCLR+ 0.20 |
MCLR+0.25 |
MCLR+ 0.65 |
MCLR+ 1.25 |
MCLR+ 1.50 |
MCLR+ 2.15 |
MCLR+ 2.15 |
|
A2 |
>70<=80 |
MCLR+0.20 |
MCLR+0.30 |
MCLR+ 0.70 |
MCLR+ 1.30 |
MCLR+ 1.55 |
MCLR+ 2.15 |
MCLR+ 2.15 |
|
A3 |
>64<=70 |
MCLR+ 0.55 |
MCLR+ 0.65 |
MCLR+ 1.05 |
MCLR+ 1.65 |
MCLR+ 1.90 |
MCLR+ 2.50 |
MCLR+ 2.50 |
|
A4 |
>58<=64 |
MCLR+ 1.05 |
MCLR+ 1.10 |
MCLR+ 1.50 |
MCLR+ 2.10 |
MCLR+ 2.35 |
MCLR+ 3.00 |
MCLR+ 3.00 |
|
B1 |
>52<=58 |
MCLR+ 1.60 |
MCLR+ 1.65 |
MCLR+ 2.05 |
MCLR+ 2.65 |
MCLR+ 2.90 |
MCLR+ 3.50 |
MCLR+ 3.50 |
|
B2 |
>46<=52 |
MCLR+ 2.50 |
MCLR+ 2.55 |
MCLR+ 2.95 |
MCLR+ 3.60 |
MCLR+ 3.85 |
MCLR+ 4.45 |
MCLR+ 4.45 |
|
B3 |
>40<=46 |
MCLR+ 4.30 |
MCLR+ 4.35 |
MCLR+ 4.75 |
MCLR+ 5.00 |
MCLR+ 5.00 |
MCLR+ 5.00 |
MCLR+ 5.00 |
|
C1 |
>35<=40 |
MCLR+5.00 |
|
C2 |
>25<=35 |
|
C3 |
<=25 |
$All unrated claims on Corporates, AFCs, and NBFC-IFCs having aggregate exposure from banking system of more than INR 100 Crores which were rated earlier and subsequently have become unrated or having aggregate exposure from banking system of more than INR 200 Crores.
Following Interest Rate factors to be added in ROI for all Term Loan Accounts under B1, B2 & B3 (internally rated), over and above the spread prescribed under the above Master Table:
|
Rating Grade |
Additions in ROI for Term Loan Accounts |
|
B1 |
0.05% |
|
B2 |
0.10% |
|
B3 |
0.50% |
MASTER TABLE FOR ADVANCES (Other than MSME, NBFC)- Applicable w.e.f. 01.09.2019
internal Risk Rating/
PNB Score/PNB Score SME |
External rating |
|
AAA |
AA |
A |
BBB |
Unrated |
BB & Below |
Unrated$ |
|
A1 |
>80 |
MCLR+ 0.20 |
MCLR+0.25 |
MCLR+ 0.65 |
MCLR+ 1.70 |
MCLR+ 1.95 |
MCLR+ 2.55 |
MCLR+ 2.55 |
|
A2 |
>70<=80 |
MCLR+0.20 |
MCLR+0.30 |
MCLR+ 0.70 |
MCLR+ 1.70 |
MCLR+ 1.95 |
MCLR+ 2.55 |
MCLR+ 2.55 |
|
A3 |
>64<=70 |
MCLR+ 0.55 |
MCLR+ 0.65 |
MCLR+ 1.05 |
MCLR+ 2.15 |
MCLR+ 2.40 |
MCLR+ 3.00 |
MCLR+ 3.00 |
|
A4 |
>58<=64 |
MCLR+ 1.35 |
MCLR+ 1.50 |
MCLR+ 1.85 |
MCLR+ 2.65 |
MCLR+ 2.90 |
MCLR+ 3.50 |
MCLR+ 3.50 |
|
B1 |
>52<=58 |
MCLR+ 2.20 |
MCLR+ 2.35 |
MCLR+ 2.70 |
MCLR+ 3.50 |
MCLR+ 3.75 |
MCLR+ 4.35 |
MCLR+ 4.35 |
|
B2 |
>46<=52 |
MCLR+ 3.15 |
MCLR+ 3.35 |
MCLR+ 3.65 |
MCLR+ 4.50 |
MCLR+ 4.75 |
MCLR+ 5.30 |
MCLR+ 5.30 |
|
B3 |
>40<=46 |
MCLR+ 5.40 |
MCLR+ 5.55 |
MCLR+ 5.90 |
MCLR+ 6.00 |
MCLR+ 6.00 |
MCLR+ 6.00 |
MCLR+ 6.00 |
|
C1 |
>35<=40 |
MCLR+6.00 |
|
C2 |
>25<=35 |
|
C3 |
<=25 |
$All unrated claims on Corporates, AFCs, and NBFC-IFCs having aggregate exposure from banking system of more than INR 100 Crores which were rated earlier and subsequently have become unrated or having aggregate exposure from banking system of more than INR 200 Crores will attract a risk weight of 150%.
MSME Advances:
|
Particulars |
Rate of interest |
|
Advances up to Rs. 50000/- |
MCLR |
|
Advances above Rs. 50000/- & up to Rs 20 lacs |
MCLR+1.25% |
|
Advances above Rs. 20 lacs |
As per MSME Master Table |
Master Table (MSME)
|
Internal Risk Rating/PNB Score/PNB Score SME |
External rating |
|
AAA |
AA |
A |
BBB |
Unrated |
BB & Below |
|
A1 |
>80 |
MCLR+ 0.20 |
MCLR+ 0.25 |
MCLR+ 0.30 |
MCLR+ 0.40 |
MCLR+ 0.55 |
MCLR+ 2.05 |
|
A2 |
>70<=80 |
MCLR+ 0.20 |
MCLR+ 0.30 |
MCLR+ 0.35 |
MCLR+ 0.45 |
MCLR+ 0.60 |
MCLR+ 2.10 |
|
A3 |
>64<=70 |
MCLR+ 0.55 |
MCLR+ 0.65 |
MCLR+ 0.75 |
MCLR+ 0.85 |
MCLR+ 1.00 |
MCLR+ 2.45 |
|
A4 |
>58<=64 |
MCLR+ 1.10 |
MCLR+ 1.15 |
MCLR+ 1.20 |
MCLR+ 1.30 |
MCLR+ 1.45 |
MCLR+ 3.00 |
|
B1 |
>52<=58 |
MCLR+ 1.60 |
MCLR+ 1.65 |
MCLR+ 1.70 |
MCLR+ 1.80 |
MCLR+ 1.95 |
MCLR+ 3.50 |
|
B2 |
>46<=52 |
MCLR+ 2.50 |
MCLR+ 2.60 |
MCLR+ 2.95 |
MCLR+ 3.55 |
MCLR+ 3.80 |
MCLR+ 4.40 |
|
B3 |
>40<=46 |
MCLR+ 4.40 |
MCLR+ 4.45 |
MCLR+ 4.85 |
MCLR+ 5.00 |
MCLR+ 5.00 |
MCLR+ 5.00 |
|
C1 |
>35<=40 |
MCLR+5.00 |
|
C2 |
>25<=35 |
|
C3 |
<=25 |
Other Advances:
|
Particulars |
Rate of interest |
|
Advances up to Rs. 2.00 lacs |
MCLR+3.00% |
|
Advances above Rs. 2.00 lacs {including CRE (RH), Future Lease Rentals |
As per Master Table (Other than MSME) |
|
Advances over 2.00 lacs to CRE (Others), Capital Market, Film Production/ Entertainment Industry |
1.00% over and above rates prescribed in the Master Table (Other than MSME) |
|
NBFCs (AFC) |
0.20% to 1.50% over and above rates prescribed in the Master Table (Other than MSME) |
|
NBFCs(Others) |
1.20% to 2.50% over and above rates prescribed in the Master Table (Other than MSME) |
Other Guidelines
Under the MCLR system, the interest rate applicable to an account shall remain fixed during the reset period, which is applicable on all loans sanctioned & renewed w.e.f. 01.04.2016 and all Base Rate linked loans desiring to shift to MCLR system. The periodicity of reset shall correspond to the maturity period of the MCLR.
All working capital advances and Term Loan on floating rate (any maturity) will linked with one year MCLR except those loans which are specifically linked with particular MCLR.
In any case, interest rate on advances shall not be below the MCLR, wherever ROI is linked to MCLR.
Advances where valid External Risk Rating is not available or external rating expired be treated as unrated category.
Scheme specific rate of interest
Advance against Bank`s Own Deposits:
|
Particulars |
Rate of interest |
|
Rupee Loans & Advances against Term Deposits standing in the name of Borrowers (singly/jointly or as a guardian in case of Individual Borrowers), including NRE deposits |
1% above the rate allowed on deposit |
|
Advances to Borrowers against third party term deposits including NRE deposits standing in the name of individuals or entities other than individuals e.g. Partnership Concerns, Societies, Trusts, Public/ Private Ltd Cos etc. |
2% above the rate allowed on deposit subject to minimum of MCLR. |
|
Rupee Loans & Advances against FCNR(B) Deposits standing in the name of the borrower (singly/jointly or as a guardian), Advances against term deposits held by the bank for less than minimum stipulated period of FDR (on cancellation) and for advances against balance lying in current/ savings a/c) |
MCLR |
|
Advances against third party FCNR(B) deposits |
MCLR+0.75% |
Advance against:
|
Particulars |
Rate of interest |
|
Life Insurance Policies including Postal Life Insurance (LIP) |
MCLR + 1.00% |
|
Postal securities (NSC/KVP/IVP)/ RBI Relief Bonds |
|
|
I. Demand Loan |
MCLR + 3.00% |
|
II. Overdraft |
MCLR + 3.50% |
|
Other Govt. Securities, Bonds, Units of Mutual Fund, FDRs of PNB Subsidiaries, etc. |
MCLR + 3.50% |
|
Postal Term Deposits |
MCLR + 3.00% |
Schemes for financing against pledge/e-pledge of warehouse receipts issued by approved Collateral Managers including under tie up with N-SPOT:
|
Particulars |
Rate of interest |
|
(i) Loans up to Rs. 50 lakh to
(a) Individual farmers [including Self Help Groups (SHGs) or Joint Liability Groups (JLGs) i.e. groups of individual farmers, provided banks maintain disaggregated data on such loans] engaged in Agriculture & allied activities,
(b) Corporates, Partnership firms and institutions engaged in Agriculture and allied activities.
(ii) Loans to Micro, Small & Medium Enterprises including food and agro processing units under MSME.*
|
|
Internal Rating |
Rate of interest |
|
A1, A2, A3, A4 |
MCLR + 1.00% |
|
B1 |
MCLR + 1.20% |
|
B2 |
MCLR + 1.40% |
|
B3 |
MCLR + 1.75% |
|
Unrated below Rs. 20 lacs |
MCLR + 1.25% |
|
*T&C apply.
**The above ROI will be applicable for One Year from 1st January, 2019. The account should remain regular for enjoying above ROI and on becoming irregular, Interest Rates as per Bank`s guidelines will be applicable. The rates are inclusive of Collateral Management charges being paid to Collateral Management Companies.
Scheme for Financing Dealers/ Sellers of Agriculture Inputs and Scheme for Financing Distributors of Agriculture Inputs:
|
Scheme Type |
Rate of Interest |
|
Scheme for Financing Dealers/ Sellers of Agriculture Inputs |
Realizable Value of Collateral Security |
Revised Interest rate |
|
Minimum 100% |
MCLR 1 year + 2.10%. |
|
More than 100% less than 150% |
MCLR 1 year + 1.60%. |
|
More than 150% |
MCLR 1 year + 1.10%. |
|
Scheme for Financing Distributors of Agriculture Inputs for B1 and above rated accounts. |
MCLR 1 year + 1.10%. |
Discounting Of Bills:
|
Tenor of the Bills backed by confirmed ILCs of Approved Banks |
Rate of interest |
|
Upto 90 days |
MCLR (3 Month) |
|
91 to 180 days |
MCLR (6 Month) |
|
181 days – upto less than 1 year |
MCLR (1 Year) |
|
Bills not backed by ILCs |
Interest Rates as applicable to Working Capital Limits. (As per Master Table (Other than MSME) |
*The above rate shall apply when the bills are realized as per the original tenor of the bill. In case of bills not realized as per the original tenor of the bill, interest is to be recovered at MCLR (1 year) + 6.00% for the particular bill from the due date, for the overdue period.
Intermediary Agencies:
|
Particulars |
Rate of interest |
|
Loans sanctioned upto 31.01.2000 |
|
|
Finance granted to Intermediary Agencies (excluding those for Housing) for on lending to Ultimate Beneficiaries and Agencies providing input support |
MCLR + 3.00 |
|
Finance granted to Housing Finance Intermediary Agencies for on lending to Ultimate Beneficiaries |
MCLR + 3.00 |
|
Term Loans sanctioned w.e.f. 01.02.2000 and Working Capital Advance to Intermediary Agencies (including Housing Finance Agencies) |
Minimum MCLR + 3.00 |
Rupee Export Credit:
|
Particulars |
Rate of interest |
Pre-shipment Credit
Upto 270 days
Against incentives receivable from Govt. covered by ECGC Guarantee (upto 90 days)
|
MCLR + 0.75% |
Post-Shipment Credit
Demand bills for transit period (as specified by FEDAI)
Usance bills (For total period comprising usance period of export bills, transit period as specified by FEDAI and grace period, wherever applicable).Upto 180 days
Overdue bills upto 180 days from the date of advance
Against incentives receivable from Govt. covered by ECGC Guarantee (upto 90 days)
Against undrawn balance (upto 90 days)
Against retention money (for supplies portion only) payable within one year from the date of shipment (upto 90 days)
|
Deferred Credit
Deferred credit for the period beyond 180 days.
|
MCLR + 6.00% |
Export Credit Not Otherwise Specified (ECNOS):
Pre-shipment Credit
Post-shipment Credit
|
Annexure II
Interest Rate on Advances - Retail Segment Loan
|
S No. |
Loan Products |
Schemes |
Rate of interest (Based on MCLR of 1 year) |
|
|
Limit Up to Rs. 75 Lac |
Limit above Rs. 75 Lac |
|
1 |
Housing loan |
Floating Women* |
MCLR+0.20% |
MCLR+0.25% |
|
Floating Others |
MCLR+0.25% |
MCLR+0.30% |
|
Floating PNB PRIDE #(Housing) |
MCLR+0.20% |
MCLR+0.25% |
|
PNB Max Saver ! Women and PNB Pride # (available under floating ROI only) |
MCLR+0.35% |
MCLR+0.40% |
|
PNB Max Saver! Others (available under floating ROI only) |
MCLR+0.40% |
MCLR+0.45% |
|
Floating OD HL |
MCLR + 1.40% |
|
Fixed General |
FLOATING +0.50% |
|
Fixed PNB Pride# |
Floating (PNB PRIDE #) +0.50% |
|
For purchase of stand alone solar system |
MCLR+2.10% |
|
|
|
# PNB PRIDE is for Cenral/State Government Employee/Defence Personnel & Para Military Forces |
|
|
|
! PNB Max Saver is Housing Loan in the form of Overdraft with reducing drawing power. |
|
|
|
*Women should be the sole applicant or one of the co-applicant for the Home Loan and also the sole owner or one of the co-owners of the property proposed to be financed by the bank. |
|
2 |
Car Loan |
Floating |
|
Women, PNB PRIDE & Corporates (Under floating rate) Irrespective of CICs score |
|
MCLR + 0.60% |
|
Others Individual(Floating) |
CIC Score 750 & above |
MCLR + 0.60% |
|
CIC Score 700 and up to 749 |
MCLR + 0.80% |
|
CIC Score less than 700 |
MCLR + 1.05% |
|
Fixed |
|
Fixed for all |
MCLR+0.95% |
|
PNB Pride (Fixed Option) |
MCLR+0.95% |
|
3 |
Two wheeler |
Scheme/ Borrower Type |
Repayment Period |
|
|
Salary being disbursed through PNB and /or under check-off facility. |
< 3 years |
MCLR+3.25% |
|
>= 3 years |
MCLR+3.75% |
|
Others including business concern |
< 3years |
MCLR+4.25% |
|
>= 3 years |
MCLR+4.75% |
|
Power Ride (for Women Only) |
|
MCLR+1.75% |
|
4 |
Education loan |
PNB Kaushal |
Loan up to Rs. 1.50 lac |
MCLR+1.50% |
|
Education Loan to children of PNB`s Employees where employee is either co-borrower or guarantor (Under CGFSSD-Optional) |
MCLR+0.50% |
|
Education Loan to children of PNB`s Employees where employee is either co-borrower or guarantor - Others |
MCLR+0.10% |
|
PNB Saraswati/Udaan |
Loan up to 7.50 lac |
MCLR+2.00% |
|
Loan Above Rs, 7.50 lac |
MCLR+2.60% |
|
Loans irrespective of amount (where 100% tangible collateral security in the shape of IP,enforceable under SARFAESI Act,and/or liquid security security is available) |
MCLR+1.85% |
|
Loan for pursuing education from premier foreign universities and educational institutes (200) under PNB Udaan Loan up to 7.50 lac Covered under CGFSEL |
MCLR+1.85% |
|
Loan for pursuing education from premier foreign universities and educational institutes (200) under PNB Udaan - Others |
MCLR+1.85% |
|
Education Loan to children of PNB`s Employee is either co-borrower or guarantor. |
MCLR+0.10% |
|
PNB Pratibha admission to other than IITs , IIMs, XLRI Jamshedpur and NITs |
Loan up to Rs. 7.50 lac |
MCLR+0.60% |
|
Loan above Rs. 7.50 lac |
MCLR+0.10 |
|
PNB Pratibha admission to IITs , IIMs, XLRI Jamshedpur and NITs |
Loan up to Rs. 7.50 lac |
MCLR+0.50% |
|
Loan above Rs. 7.50 lac |
MCLR |
|
PNB Pravasi Shiksha Loan |
MCLR+2.00% |
|
PNB Honhaar |
Loan up to Rs. 10.00 lac |
MCLR+2.00% |
|
PNB Bihar Student Credit Card Scheme |
Loan up to Rs.4.00 lac |
MCLR+2.00% |
|
Concessional Loan to Persons with Disabilities |
Women |
3.50% |
|
Others |
4.00% |
|
|
|
No further concession in interest shall be available to any category of borrowers for regular servicing of interest during moratorium period. |
|
5 |
Personal Loan |
Loans upto Rs.10 lac -For individuals whose salary is being disbursed through our branches only (Including Defence Personnel). |
MCLR + 3.55% |
|
*Loans above Rs.5 lacs & upto Rs.10 lac* -For other categories i.e., applicants not having salary account with our bank irrespective of check off facility.(*Field functionaries are not empowered to sanction these cases.) |
MCLR + 4.55% |
|
Loans upto Rs.5 lac -For individuals who are availing the loan under check off facility (Including Defence Personnel) |
MCLR + 5.55% |
|
For others upto Rs.5 lac |
MCLR + 6.55% |
PNB Doctor’s Delight-Personal Loan to Doctors
Concession of 1% where prospective borrower (Doctor) maintaining his/her salary account with us or maintain his/her Receipt collection account with us or where Tangible Collateral Security of the value of 100% of loan amount. |
MCLR + 2% |
|
6 |
Pension loan |
Personal Loan to Pensioners (Pension Loan) |
MCLR + 2.80% |
|
7 |
Gold loan |
Productive Purpose |
For agriculture |
MCLR+1.60% |
|
Others |
MCLR+2.60% |
|
Non-Productive Purpose |
Public/Staff |
MCLR+2.60% |
|
8 |
Reverse mortgage |
For all(Fixed with reset clause of five years) |
|
MCLR+2.60% |
|
9 |
Earnest Money Deposit |
For all |
|
MCLR+0.10% |
|
10 |
Advance Against Gold Bonds |
Individuals |
MCLR+1.00% |
|
Other than individuals |
MCLR+2.00% |
Advance against Mortgage of Immovable Property (IP)
|
S No. |
Risk rating/ PNB score |
Over Draft |
Term Loan |
|
10 |
A1 / >80
|
MCLR +1.65
|
MCLR +1.75
|
|
A2 / > 70 = 80
|
MCLR +1.75
|
MCLR +2.25
|
|
A3 / > 64 = 70
|
MCLR +2.00
|
MCLR +2.45
|
|
A4 / > 58 = 64
|
MCLR +2.35
|
MCLR +2.75
|
|
B1 / > 52 = 58
|
MCLR +2.55
|
MCLR +3.00
|
|
B2 / > 46 = 52
|
MCLR +3.00
|
MCLR +3.50
|
|
B3 / > 40 = 46
|
MCLR +3.50
|
MCLR +4.00
|
|
C1 / > 35 = 40
|
MCLR +4.00
|
MCLR +4.50
|
|
C2 / > 25 = 35
|
MCLR +4.50
|
MCLR +5.00
|
|
C3 / = 25
|
MCLR +5.50
|
MCLR +6.00
|
Annexure III
Interest Rate on Advances – Agriculture Advances
Crop Loans/ KCC
|
S. N. |
Particulars |
Rate of Interest |
|
Sanctioned Limit upto Rs. 20 lakh |
Sanctioned Limit > Rs. 20 lakh |
|
(1) |
Regular Crop Loans/ KCC |
7% upto outstanding of Rs. 3.00 Lacs and MCLR (1 year) + 1.05% over Rs. 3.00 Lacs |
7% upto outstanding of Rs. 3.00 Lacs and over Rs. 3.00 Lacs as per Master Table (Other than MSME)
|
|
(2) |
Irregular Crop Loans/ KCC |
MCLR (1 year) + 1.05% |
As per Master Table (Other than MSME)
|
NRLM (National Rural Livelihood Mission)
|
S. N. |
Particulars |
Rate of Interest |
|
Sanctioned Limit upto Rs. 20 lakh |
Sanctioned Limit > Rs. 20 lakh |
|
1 |
NRLM loans to women in 250 identified districts |
|
a |
Loans repayable in upto 1 year |
7% upto outstanding of Rs. 3.00 Lacs and MCLR (1 year) + 2.10% over Rs. 3.00 Lacs |
7% upto outstanding of Rs. 3.00 Lacs and over Rs. 3.00 Lacs As per Master Table (Other than MSME)
|
|
b |
Loans repayable in > 1 year and upto 3 years |
7% upto outstanding of Rs. 3.00 Lacs and MCLR (1 year) + 2.15% over Rs. 3.00 Lacs |
7% upto outstanding of Rs. 3.00 Lacs and over Rs. 3 Lacs As per Master Table (Other than MSME)
|
|
c |
Loans repayable in > 3 years |
7% upto outstanding of Rs. 3.00 Lacs and MCLR (1 year) + 2.70% over Rs. 3.00 Lacs |
7% upto outstanding of Rs. 3.00 Lacs and over Rs. 3 Lacs As per Master Table (Other than MSME) |
|
2 |
NRLM loans to non-women in 250 identified districts and other than 250 districts |
|
a |
Loans repayable in upto 1 year |
MCLR (1 year) + 2.10% |
As per Master Table (Other than MSME)
|
|
b |
Loans repayable in > 1 year and upto 3 years |
MCLR (1 year) + 2.15% |
|
c |
Loans repayable in > 3 years |
MCLR (1 year) + 2.70% |
SRLM (State Rural Livelihood Mission)
|
S. N. |
Particulars |
Rate of Interest |
|
1 |
Sanctioned Limit upto Rs. 20 lakh |
|
(a) |
Loans repayable in upto 1 year |
MCLR (1 year) + 2.10% |
|
(b) |
Loans repayable in > 1 year and upto 3 years |
MCLR (1 year) + 2.15% |
|
(c) |
Loans repayable in > 3 years |
MCLR (1 year) + 2.70% |
|
2 |
Sanctioned Limit > Rs. 20 lakh |
As per Master Table (Other than MSME) |
Other Agriculture Loans
|
S. N. |
Particulars |
Rate of Interest |
|
1 |
Sanctioned Limit upto Rs. 20 lakh |
|
a |
Loans repayable in upto 1 year |
MCLR (1 year) + 1.05% |
|
b |
Loans repayable in > 1 year and upto 3 years |
MCLR (1 year) + 1.05% |
|
c |
Loans repayable in > 3 years |
MCLR (1 year) + 1.05% |
|
2 |
Sanctioned Limit above Rs. 20 lakh |
As per Master Table (Other than MSME) |
Schemes with concessional rate of interest
a. 0.50% concession to women beneficiaries under Priority Sector and 0.25% under non-priority sector under Women Empowerment Campaign.
b. S. No. c: Scheme for Financing to Food & Agro Processing classified under Agriculture
1. Advances up to ?20.00 Lakhs: MCLR (1 Yr)+1.05%
2. Advances above Rs. 20.00 Lakhs:
|
INTERNAL RISK RATING/ PNB SCORE |
ERR |
|
AAA |
AA |
A |
BBB |
UNRATED |
BB & BELOW |
|
A1 |
>80 |
MCLR+0.20% |
MCLR+0.25% |
MCLR+0.30% |
MCLR+0.40% |
MCLR+0.55% |
MCLR+2.05% |
|
A2 |
>70=80 |
MCLR+0.20% |
MCLR+0.30% |
MCLR+0.35% |
MCLR+0.45% |
MCLR+0.60% |
MCLR+2.10% |
|
A3 |
>64=70 |
MCLR+0.55% |
MCLR+0.65% |
MCLR+0.75% |
MCLR+0.85% |
MCLR+1.00% |
MCLR+2.45% |
|
A4 |
>58=64 |
MCLR+1.10% |
MCLR+1.15% |
MCLR+1.20% |
MCLR+1.30% |
MCLR+1.45% |
MCLR+3.00% |
|
B1 |
>52=58 |
MCLR+1.60% |
MCLR+1.65% |
MCLR+1.70% |
MCLR+1.80% |
MCLR+1.95% |
MCLR+3.50% |
|
B2 |
>46=52 |
MCLR+2.50% |
MCLR+2.60% |
MCLR+2.95% |
MCLR+3.55% |
MCLR+3.80% |
MCLR+4.40% |
|
B3 |
>40=46 |
MCLR+4.40% |
MCLR+4.45% |
MCLR+4.85% |
MCLR+5.00% |
MCLR+5.00% |
MCLR+5.00% |
|
C1 |
>35=40 |
MCLR+5.00% |
|
C2 |
>25=35 |
|
C3 |
=25 |
Collateral Linked concessions:
|
COLLATERAL VALUE |
ADDITIONAL CONCESSION LINKED TO COLLATERAL VALUE |
|
>50-75% |
0.25% |
|
>75-100% |
0.50% |
|
>100-125% |
0.75% |
|
>125-200% |
0.85% |
|
>200% |
1.00% |