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%.

Interest Rates on Advances for Medium Enterprises:

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 (Interest Rates on Advances for Medium Enterprises)

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

Advances to Micro and Small Enterprises

a) MSE Advances up toRs. 20 Lacs is as under:

Particulars	Rate of interest
Advances up to Rs. 50000/-	RR + Mark Up + 0.15
Advances >Rs. 50000/- to Rs. 20 lacs	RR + Mark Up + 1.40

b) MSE advances above Rs.20 lacs is as under:

Internal Risk Rating/PNB Score/PNB Score SME		External Rating
		AAA	AA	A	BBB	Unrated	BB & below
A1	>80	RR+ Mark Up+0.35	RR+ Mark Up+0.40	RR+ Mark Up+0.45	RR+ Mark Up+0.55	RR+ Mark Up+0.70	RR++ Mark Up +2.20
A2	>70<=80	RR+ Mark Up+0.35	RR+ Mark Up+0.45	RR+ Mark Up+0.50	RR+ Mark Up+0.60	RR+ Mark Up+0.75	RR+ Mark Up+2.25
A3	>64<=70	RR+ Mark Up+0.70	RR+ Mark Up+0.80	RR+ Mark Up+0.90	RR+ Mark Up +1.00	RR+ Mark Up+1.15	RR+ Mark Up+ 2.60
A4	>58<=64	RR+ Mark Up+1.25	RR+ Mark Up+1.30	RR+ Mark Up+1.35	RR+ Mark Up+1.45	RR+ Mark Up+1.60	RR+ Mark Up+3.15
B1	>52<=58	RR+ Mark Up+1.75	RR+ Mark Up+1.80	RR+ Mark Up+1.85	RR+ Mark Up+ 1.95	RR+ Mark Up+2.10	RR+ Mark Up+3.65
B2	>46<=52	RR+ Mark Up+ 2.65	RR+ Mark Up+2.75	RR+ Mark Up+3.10	RR+ Mark Up+3.70	RR+ Mark Up+3.95	RR+ Mark Up+4.55
B3	>40<=46	RR+ Mark Up+4.55	RR+ Mark Up+4.60	RR+ Mark Up+5.00	RR+ Mark Up+5.15	RR+ Mark Up+5.15	RR+ Mark Up+5.15
C1	>35<=40	RR+ Mark Up + 5.15
C2	>25<=35
C3	<=25

*RR- REPO RATE

MU - Kindly visit branch or contact Toll free no.

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 of warehouse receipts issued by approved Collateral Managers:

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 RLLR)
				Limit Up to Rs. 30 Lakh	Limit 30 Lakh Up to Rs. 75 Lakh	Limit above Rs. 75 Lakh
1	Housing loan	Floating CIC Score >=750		RLLR+0.15%	RLLR+0.30%	RLLR+0.30%
		Floating CIC Score >700 to <= 749		RLLR+0.30%	RLLR +0.55%	RLLR +0.65%
		Floating CIC Score <700		RLLR+0.55%	RLLR+0.80%	RLLR+0.90%
		Floating PNB Pride# CIC Score >=750		RLLR+0.15%	RLLR+0.30%	RLLR+0.30%
		Floating PNB Pride# CIC Score <750		RLLR+0.15%	RLLR+0.40%	RLLR+0.40%
		Concession of 0.05% to women* borrower on the applicable ROI under all slabs
		Floating under PNB Max Saver! Additional ROI of 0.15% under each slab based on the Credit Score of the borrower
		Fixed^ Women*		MCLR+0.70%	MCLR+0.70%	MCLR+0.75%
		Fixed^ Others		MCLR+0.75%	MCLR+0.75%	MCLR+0.80%
		Fixed^ PNB PRIDE #(Housing)		MCLR+0.70%	MCLR+0.70%	MCLR+0.75%
		Floating OD HL		RLLR+1.55%
		For purchase of stand alone solar system		RLLR+2.25%
		# 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.
		0.05% higher rate in case of housing loan under CRE (Commercial Real Estate)
		^ Based on 1Year MCLR
2	Car Loan	Floating
		Women, PNB PRIDE & Corporates (Under floating rate)	Irrespective of CICs score	RLLR+0.75%
		Others Individual(Floating)	CIC Score 750 & above	RLLR+0.75%
			CIC Score 700 and up to 749	RLLR+0.95%
			CIC Score less than 700	RLLR+1.20%
		Fixed ^
		Fixed ^ for all		MCLR+0.95%
		PNB Pride (Fixed ^ Option)		MCLR+0.95%
		^ Based on 1Year MCLR
3	Two wheeler	Scheme/ Borrower Type	Repayment Period
		Salary being disbursed through PNB and /or under check-off facility.	< 3 years	RLLR + 3.40%
			>= 3 years	RLLR + 3.90%
		Others including business concern	< 3years	RLLR + 4.40%
			>= 3 years	RLLR + 4.90%
		Power Ride (for Women Only)		RLLR + 1.90%
4	Education loan	PNB Kaushal	Loan up to Rs. 1.50 lac	RLLR+1.65%
			Education Loan to children of PNB`s Employees where employee is either co-borrower or guarantor (Under CGFSSD-Optional)	RLLR +0.65%
			Education Loan to children of PNB`s Employees where employee is either co-borrower or guarantor - Others	RLLR+0.25%
		PNB Saraswati	Loan up to 7.50 lac (covered under CGFSEL Scheme)	RLLR + 2.15%%
			Loan Above Rs. 7.50 lac	RLLR+2.75%
			Loans irrespective of amount (where 100% tangible collateral security in the shape of IP,enforceable under SARFAESI Act, and/or liquid security is available)	RLLR+2.00%
			Education Loan to children of PNB’s Employees where employee is either co-borrower or guarantor.	RLLR +0.25%
		PNB Udaan	Loan up to 7.50 lac (covered under CGFSEL Scheme)	RLLR + 2.15%
			Loan Above Rs. 7.50 lac	RLLR+2.75%
			Loans irrespective of amount (where 100% tangible collateral security in the shape of IP,enforceable under SARFAESI Act, and/or liquid security is available)	RLLR + 2.00%
			Loan for pursuing education from premier foreign universities and educational institutes (200) under PNB Udaan Loan up to 7.50 lac Covered under CGFSEL	RLLR + 2.00%
			Loan for pursuing education from premier foreign universities and educational institutes (200) under PNB Udaan - Others	RLLR + 2.00%
			Education Loan to children of PNB`s Employee is either co-borrower or guarantor.	RLLR + 0.25%
		PNB Pratibha admission to other than IITs , IIMs, XLRI Jamshedpur and NITs	Loan up to Rs. 7.50 lac under CGFSEL	RLLR + 0.75%
			Loan above Rs. 7.50 lac	RLLR+0.25%
		PNB Pratibha admission to IITs , IIMs, XLRI Jamshedpur and NITs	Loan up to Rs. 7.50 lac under CGFSEL	RLLR + 0.65%
			Loan above Rs. 7.50 lac	RLLR +0.15%
		PNB Pravasi Shiksha Loan		RLLR+2.15%
		PNB Honhaar	Loan up to Rs. 10.00 lac	RLLR+2.15%
		PNB Bihar Student Credit Card Scheme	Loan up to Rs.4.00 lac	RLLR+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).		RLLR+3.70%
		*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.)		RLLR+4.70 %
		Loans upto Rs.5 lac -For individuals who are availing the loan under check off facility (Including Defence Personnel)		RLLR+5.70%
		For others upto Rs.5 lac		RLLR+6.70%
		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.		RLLR+2.15%
6	Pension loan	Personal Loan to Pensioners (Pension Loan)		RLLR+ 2.95%
7	Gold loan	Productive Purpose	For agriculture	RLLR+ 1.75%
			Others	RLLR+ 2.75%
		Non-Productive Purpose	Public/Staff	RLLR+ 2.75%
8	Reverse mortgage	For all(Fixed with reset clause of five years)		RLLR+2.75%
9	Earnest Money Deposit	For all		RLLR+0.25%
10	Advance Against Gold Bonds	Individuals		RLLR+1.15%
		Other than individuals		RLLR+ 2.15%

Advance against Mortgage of Immovable Property (IP)

S No.	Risk rating/ PNB score	Over Draft	Term Loan
11	A1 / >80	RLLR +1.80%	RLLR +1.90%
	A2 / > 70 <= 80	RLLR +1.90%	RLLR +2.40%
	A3 / > 64 <= 70	RLLR +2.15%	RLLR +2.60%
	A4 / > 58 <= 64	RLLR +2.50%	RLLR +2.90%
	B1 / > 52 <= 58	RLLR +2.70%	RLLR +3.15%
	B2 / > 46 <= 52	RLLR +3.15%	RLLR +3.65%
	B3 / > 40 <= 46	RLLR +3.65%	RLLR +4.15%
	B4 / > 35 <= 40	RLLR +4.15%	RLLR +4.65%
	C1 / > 25 <= 35	RLLR +4.65%	RLLR +5.15%
	C2 / <= 25	RLLR +5.65%	RLLR +6.20

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

RATES OF INTEREST ON FOOD & AGRO ADVANCES–LINKED WITH RLLR (w.e.f. 01.10.2019)

a. Advances up to Rs. 20 Lakhs: RR+ (MU)2.65%+(SPREAD)1.20%

b. Advances above Rs. 20.00 Lakhs: Advances under Food & Agro Processing Segment with sanctioned limit above Rs. 20.00 Lakhs & up to Rs. 100.00 Cr (per borrower from banking system) (only for Micro & Small Enterprises)

INTEREST RATES
		External Rating
Internal Risk Rating/PNB Score/PNB Score SME		AAA	AA	A	BBB	UNRATED	BB & BELOW
A1	>80	RR+MU+0.35%	RR+MU+0.40%	RR+MU+0.45%	RR+MU+0.55%	RR+MU+0.70%	RR+MU +2.20%
A2	>70=80	RR+MU+0.35%	RR+MU+0.45%	RR+MU+0.50%	RR+MU+0.60%	RR+MU+0.75%	RR+MU +2.25%
A3	>64=70	RR+MU+0.70%	RR+MU+0.80%	RR+MU+0.90%	RR+MU+1.00%	RR+MU+1.15%	RR+MU +2.60%
A4	>58=64	RR+MU+1.25%	RR+MU+1.30%	RR+MU+1.35%	RR+MU+1.45%	RR+MU+1.60%	RR+MU +3.15%
B1	>52=58	RR+MU+1.75%	RR+MU+1.80%	RR+MU+1.85%	RR+MU+1.95%	RR+MU+2.10%	RR+MU +3.65%
B2	>46=52	RR+MU+2.65%	RR+MU+2.75%	RR+MU+3.10%	RR+MU+3.70%	RR+MU+3.95%	RR+MU +4.55%
B3	>40=46	RR+MU+4.55%	RR+MU+4.60%	RR+MU+5.00%	RR+MU+5.15%	RR+MU+5.15%	RR+MU +5.15%
C1	>35=40	RR+MU+5.15%
C2	>25=35
C3	=25

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%