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Interest Rate On Advances Linked To MCLR/RLLR

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As on date - One year MCLR Rate 7.35% About MCLR
Click Here for Monthly MCLR Rates
As on date, Repo Linked Lending Rate (RLLR): 6.80%
w.e.f. 01.09.2020About RLLR
As on date, BASE RATE: 8.80% w.e.f. 01.09.2020
As on date, BPLR: 14.00% w.e.f. 01.05.2012

Interest Rate On Advances Linked To MCLR/RLLR

A. RETAIL LOANS

1.HOUSING LOAN

Rate of Interest (Under floating options)

Borrower Type

PNB Pride*

(Irrespective of Risk Profile)*

Others

CIC Score 750 & above

CIC Score 700 and upto 749

CIC Score less than 700

Loan Up to Rs. 30 lakh
Having LTV up to 80%

RLLR+0.35%

RLLR+0.35%

RLLR+0.50%

RLLR+0.60%
Loan Up To Rs. 30 Lakh
Having LTV more than 80% up to 85 %		 RLLR+0.45% RLLR+0.45% RLLR+0.60% RLLR+0.70%

Loan above Rs. 30 lakh up to Rs. 75 lakh

RLLR+0.60%

RLLR+0.50%

RLLR+0.75%

RLLR+0.85%

Loan above Rs. 75 lakh

RLLR+0.85%

RLLR+0.95%

*PNB PRIDE covers the permanent employees of Central, State Govt. Para Military personnel and Pensioners of Central & State Govt
*Concession of 0.05% is available to the women borrower on the applicable rate of interest under all slabs except under CRE category.


2.TOP-UP HOUSING LOAN (NEW VARIANT UNDER HOUSING LOAN IN ADDITION TO ODHL)

Facility

Rate of Interest

Term Loan

RLLR+1.35%

Overdraft

RLLR + 2.35%

HOUSING FINANCE SCHEME FOR PUBLIC “PNB MAX-SAVER

Rate of Interest (Under floating options)

Borrower Type

PNB Pride*

(Irrespective of Risk Profile)*

Others

CIC Score 750 & above

CIC Score 700 and upto 749

CIC Score less than 700

Loan Up to Rs. 30 lakh
Having LTV up to 80%

RLLR+0.50%

RLLR+0.50%

RLLR+0.65%

RLLR+0.75%
Loan Up To Rs. 30 Lakh
Having LTV more than 80% up to 85 %		 RLLR+0.60% RLLR+0.60% RLLR+0.75% RLLR+0.85%

Loan above Rs. 30 lakh up to Rs. 75 lakh

RLLR+0.75%

RLLR+0.65%

RLLR+0.90%

RLLR+1.00%

Loan above Rs. 75 lakh

RLLR+1.00%

RLLR+1.10%

*PNB PRIDE covers the permanent employees of Central, State Govt. Para Military personnel and Pensioners of Central & State Govt
*Concession of 0.05% is available to the women borrower on the applicable rate of interest under all slabs except under CRE category.

3.SCHEME FOR FINANCING PURCHASE OF CAR BY PUBLIC

Scheme/ Borrower Type

Rate of Interest

 Loan to Defence/ Para Militery Under Rakshak Plus
New Car Old Car

Women (Floating)

Irrespective of CICs Score

RLLR+0.75%

RLLR+1.75%

New Car –RLLR + 0.50%



Old Car – RLLR + 1.50%

PNB PRIDE* (Floating)

Corporates (Floating)

Others Individual (Floating)

CIC Score 750 & above

RLLR+0.75%

RLLR+1.75%

CIC Score 700 and up to 749

RLLR+0.90%

RLLR+1.90%

CIC Score less than 700

RLLR+1.00%

RLLR+2.00%

Under Fixed Rate option for All# (Including under PNB Pride)

MCLR+0.95%

MCLR+1.95%

Not Available

*PNB PRIDE covers the permanent employees of Central, State Govt. Para Military personnel and Pensioners of Central & State Govt.

4.PNB SAARTHI & PNB POWER RIDE– SCHEME FOR FINANCING TWO – WHEELERS TO PUBLIC/WOMEN

Particular

Rate of Interest

Salaried Person

RLLR + 2.75%

Other than salaried including business concern & Professionals

RLLR + 3.25%

PNB Power Ride (Two Wheeler loan to Women)

RLLR + 1.90%

5.PRE-APPROVED INSTA VEHICLE LOAN SCHEME FOR EXISTING HOME LOAN BORROWERS

Particular

Rate of Interest

For existing Home loan borrowers with 5 years conduct with nil default at a concession in ROI @ 0.25% on card rate

6.EDUCATION LOAN

a) PNB SARASWATI

Particular

Rate of Interest

Loan upto Rs. 7.50 lakh (covered under CGFSEL Scheme)

RLLR+2.00%

Loan above Rs. 7.50 lakh

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%

b) PNB PRATIBHA

(i) Students getting admissions in institutions other than IITs, IIMs & XLRI Jamshedpur

Loan up to Rs. 7.50 lakh under CGFSEL

RLLR+0.75%

Loan above Rs. 7.50 lakh

RLLR+0.25%

(ii) Students getting admissions in IITs, IIMs, XLRI Jamshedpur & NITs

Loan up to Rs. 7.50 lakh under CGFSEL

RLLR+0.65%

Loan above Rs. 7.50 lakh

RLLR+0.15%
For students getting admissions in Top 3 IIMs i.e IIM - Ahmedabad, IIM - Bengaluru and IIM – Kolkata

Loan above Rs. 7.50 lakh

RLLR+0.10%

c) PNB UDDAN

Loan upto Rs. 7.50 lakh (covered under CGFSEL Scheme)

RLLR+2.00%

Loan above Rs. 7.50 lakh

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

a. Loan upto Rs. 7.50 lakh covered under GFSEL Scheme

RLLR+2.00%

b. Others

RLLR+2.00%

d) PNB KAUSHAL

Loan up to Rs. 1.50 lakh (Covered under CGFSSD)

RLLR+1.50%

e) PNB HONHAAR

RLLR + 2.15%

a) PNB PRAVASI SHIKSHA LOAN

7.PERSONAL LOAN SCHEME

7.1. FOR PUBLIC/ LIC AGENTS

S N.

Category of Borrower

Rate of Interest

a)

Loan to Govt. Employees drawing salaries through our Bank

RLLR+3.00%

b)

Loan to corporate Employees drawing salaries through our Bank

RLLR+4.00%

c)

Loan to Defence/ Para Military Personals drawing salaries through our Bank including account covered under Rakshak Plus Scheme

RLLR+2.15%.

d)

Loan to employees under check off facility

RLLR+5.00%

7.2

PNB Doctors Delight

RLLR + 2.15%

7.3

PERSONAL LOAN SCHEME FOR PENSIONERS

RLLR + 2.50%

S.N.

Scheme

Particular

Rate of Interest

8.

ADVANCE AGAINST GOLD JEWELLERY/ ORNAMENTS

Demand Loan/ term Loan

RLLR + 1.95%

Overdraft

RLLR + 2.20%

9.

ADVANCE AGAINST SOVEREIGN GOLD BONDS

Individual

RLLR+1.15%

Other than Individual

RLLR+2.15%

10.

PNB BAGHBAN

RLLR+2.75%

11.

EARNEST MONEY DEPOSIT (EMD) SCHEME

RLLR + 0.25%

8.PNB myProperty Loan.

Based on CIC Score of the Borrower

 Rate of Interest
TL OD
CIC Score 750 & above RLLR+1.90% RLLR+2.40%
CIC Score 700 and up to 749 RLLR+2.40% RLLR+2.90%
CIC Score less than 700 RLLR+3.00% RLLR+3.50%

B. AGRICULTURE ADVANCES

1.RATE OF INTEREST FOR AGRICULTURE ADVANCES (EXCLUDING SCHEMATIC LENDING)

Exposure

Rates of Interest

Regular KCC/ Crop Loans –O/S upto Rs. 3.00 Lakh

7.00%

Up to Rs. 20.00 Lac (including irregular KCC/ Crop Loans)

MCLR(1 Yr) + 1.50%

Above Rs. 20 Lakh and upto Rs. 50 lakh

MCLR(1 Yr) + 3.00%

Above Rs. 50 lakh

As per IRMD MasterTable

(Refer Section C or D as applicable)

2.RATE OF INTEREST FOR SPECIFIC SCHEMES

a)RATE OF INTEREST FOR NRLM / SRLM SCHEME

Particulars

Rates of Interest

NRLM Loans to Women Borrowers in 250 Identified Districts

NRLM Loans to Non-Women Borrowers in 250 Identified Districts & in other than 250 Identified Districts

SRLM Loans

Outstanding of Rs. 3.00 Lakh

7.00%

Sanctioned limit up to Rs. 20.00 lakh

a. Loans repayable up to 1 year

MCLR (1 Yr)+ 2.10%

b. Loans repayable in >1 year and up to 3 years

MCLR (1 Yr)+ 2.15%

c. Loans repayable in >3 years

MCLR (1 Yr)+ 2.70%

Sanctioned limit >Rs. 20.00 Lakh

As per IRMD MasterTable (Refer Section C or D as applicable)

b)RATE OF INTEREST ON FOOD & AGRO ADVANCES LINKED TO MCLR

ADVANCES UP TO Rs. 20.00 LAKH: MCLR (1 Yr) + 1.25%

ADVANCES ABOVE Rs. 20.00 LAKH: For advances under Food & Agro Processing Segment with sanctioned limit above Rs. 20.00 lakh and up to Rs. 100.00 Crore (from Banking System) rates of interest will be applicable on the basis of internal & external rating, as under:

(Spread over MCLR)

Internal Risk Rating

EXTERNAL RATING

AAA

AA

A

BBB

BB & BELOW

UNRATED

1

0.20

0.25

0.30

0.40

2.05

0.55

2

0.20

0.30

0.35

0.45

2.10

0.60

3

0.55

0.65

0.75

0.85

2.45

1.00

4

1.10

1.15

1.20

1.30

3.00

1.45

5

1.60

1.65

1.70

1.80

3.50

1.95

6

2.50

2.60

2.95

3.55

4.40

3.80

7

4.40

4.45

4.85

5.00

5.00

5.00

8

5.00

9

10

c)RATE OF INTEREST ON FOOD & AGRO ADVANCES LINKED TO RLLR

All new floating rates on loans to Food & Agro processing units (Micro, Small and Medium Enterprises (MSMEs)units):

ADVANCES UP TO Rs. 20.00 LAKH: RLLR+ (SPREAD) 1.20%.

ADVANCES ABOVE Rs. 20.00 LAKH: For advances under Food & Agro Processing Segment with sanctioned limit above Rs. 20.00 lakh and up to Rs. 100.00 Crore (from Banking System) rates of interest will be applicable on the basis of internal and external rating, as under:

(Spread over RLLR)

Internal Risk Rating

EXTERNAL RATING

AAA

AA

A

BBB

BB & BELOW

UNRATED

1

0.35

0.40

0.45

0.55

2.20

0.70

2

0.40

0.45

0.50

0.60

2.25

0.75

3

0.70

0.80

0.90

1.00

2.60

1.15

4

1.25

1.30

1.35

1.45

3.15

1.60

5

1.75

1.80

1.85

1.95

3.65

2.10

6

2.65

2.75

3.10

3.70

4.55

3.95

7

4.55

4.60

5.00

5.15

5.15

5.15

8

5.15

9

10

Note:

Refer section H for mapping of internal risk rating with rating grade and score band.

Rate of Food & Agro processing Industry is in line with MSME and whenever there is change in rate of interest in MSME, rate of interest applicable on Food & Agro Processing will change accordingly.


C. MSME ADVANCES (Except Schematic Lending not Specified Elsewhere)
1.EXPOSURE UP TO Rs. 20 LAKH

Particulars

Spread over RLLR

Advances up to Rs. 50000/-

0.15%

Advances >Rs. 50000/- to Rs. 20 Lakh

1.40%

2.EXPOSURE ABOVE Rs. 20 LAKH AND UP TO Rs. 5 CRORE

Internal Risk Rating *

Spread over RLLR

1

0.70%

2

0.75%

3

1.15%

4

1.60%

5

2.10%

6

3.95%

7& Below

5.15%

3.EXPOSURE ABOVE Rs. 5 CRORE

(Spread over RLLR)

Internal Risk Rating

External Rating

AAA

AA

A

BBB

Unrated

BB & Below

Unrated

20%

30%

50%

100%

100%

150%

150%

1

0.35%

0.40%

0.45%

0.55%

0.70%

2.20%

2.20%

2

0.40%

0.45%

0.50%

0.60%

0.75%

2.25%

2.25%

3

0.70%

0.80%

0.90%

1.00%

1.15%

2.60%

2.60%

4

1.25%

1.30%

1.35%

1.45%

1.60%

3.15%

3.15%

5

1.75%

1.80%

1.85%

1.95%

2.10%

3.65%

3.65%

6

2.65%

2.75%

3.10%

3.70%

3.95%

4.55%

4.55%

7

4.55%

4.60%

5.00%

5.15%

5.15%

5.15%

5.15%

8 & Below

5.15%

Note:

Refer section H for mapping of internal risk rating with rating grade and score band


D. OTHER ADVANCES (Not Specified Elsewhere)
1.EXPOSURE UP TO Rs. 20 LAKH

Particulars

Spread over MCLR

Advances up to Rs. 50000/-

0.00%

Advances >Rs. 50000/- to Rs. 20 Lakh

1.50%

2.EXPOSURE ABOVE Rs. 20 LAKH AND UP TO Rs. 5 CRORE

Internal Risk Rating

Spread over MCLR

1

1.95%

2

2.00%

3

2.40%

4

2.90%

5

3.75%

6

4.75%

7

5.50%

8& below

6.00%

3.EXPOSURE ABOVE Rs. 5 CRORE

(Spread over MCLR)

Internal Risk Rating

External Rating

AAA

AA

A

BBB

Unrated

BB& Below

Unrated

20%

30%

50%

100%

100%

150%

150%

1

0.20%

0.25%

0.65%

1.70%

1.95%

2.55%

2.55%

2

0.25%

0.30%

0.70%

1.75%

2.00%

2.60%

2.60%

3

0.55%

0.65%

1.05%

2.15%

2.40%

3.00%

3.00%

4

1.35%

1.50%

1.85%

2.65%

2.90%

3.50%

3.50%

5

2.20%

2.35%

2.70%

3.50%

3.75%

4.35%

4.35%

6

3.15%

3.35%

3.65%

4.50%

4.75%

5.30%

5.30%

7

5.40%

5.55%

5.90%

6.00%

6.00%

6.00%

6.00%

8 & Below

6.00%

Note:

Refer section H for mapping of internal risk rating with rating grade and score band


E. NBFC

SPREAD OVER MCLR FOR NBFC (AFC)

Internal Risk Rating

External Rating

AAA

AA

A

BBB

Unrated

BB & Below

Unrated

20%

30%

50%

100%

100%

150%

150%

1

0.40%

0.55%

1.15%

2.70%

2.95%

4.05%

4.05%

2

0.45%

0.60%

1.20%

2.75%

3.00%

4.10%

4.10%

3

0.75%

0.95%

1.55%

3.15%

3.40%

4.50%

4.50%

4

1.55%

1.80%

2.35%

3.65%

3.90%

5.00%

5.00%

5

2.40%

2.65%

3.20%

4.50%

4.75%

5.85%

5.85%

6

3.35%

3.65%

4.15%

5.50%

5.75%

6.50%

6.50%

7

5.60%

5.85%

6.40%

6.50%

6.50%

6.50%

6.50%

8 & Below

6.50%

SPREAD OVER MCLR FORNBFC (OTHER THAN AFC)

1.00% over the ROI as mentioned above

Refer section H for mapping of internal risk rating with rating grade and score band


F. SPECIFIED CATEGORIES
1. DISCOUNTING OF BILLS:

1.1 INTEREST RATE ON BILL DISCOUNTED/ PURCHASED UNDER LETTER OF CREDIT (DA/DP Basis)

Tenor of the Bills backed by confirmed ILCs of Approved Banks

Rate of Interest*

Upto 90 days

RLLR/ MCLR (3 Month)

91 to 180 days

RLLR/MCLR (6 Month)

181 days – upto less than 1 year

RLLR/MCLR (1 Year)

*Applicable Benchmark

Note: 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.

1.2 Bills not backed by ILCs:

Interest Rates as applicable to working capital limits.

2.RATE OF INTEREST IN CASE OF RUPEE EXPORT CREDIT

2.1PRE-SHIPMENT / POST-SHIPMENT CREDIT

Particulars

Rate of interest

Pre-shipment Credit

(i) Upto 270 days

(ii) Against incentives receivable from Govt. covered by ECGC Guarantee (upto 90 days)

RLLR / MCLR

+ 0.75%

Post-Shipment Credit

(i) Demand bills for transit period (as specified by FEDAI)

(ii) 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

(iii) Overdue bills upto 180 days from the date of advance

(iv) Against incentives receivable from Govt. covered by ECGC Guarantee (upto 90 days)

(v) Against undrawn balance (upto 90 days)

(vi) Against retention money (for supplies portion only) payable within one year from the date of shipment (upto 90 days)

NOTE: For exporters under the Gold Card Scheme a concession @ 0.25% from the above rates may be applicable.

2.2 INTEREST RATES ON OVERDUE EXPORT BILLS

RLLR / MCLR + 4.00%

2.3 DEFERRED CREDIT/ EXPORT CREDIT NOT OTHERWISE SPECIFIED (ECNOS)

RLLR / MCLR + 6.00%

3. ADVANCE AGAINST DOMESTIC TERM DEPOSITS, NRE DEPOSITS, FCNR (B) DEPOSITS AND RESIDENT FOREIGN CURRENCY DEPOSITS

3.1 ADVANCE AGAINST DOMESTIC/ NRE DEPOSITS

Self

1.00%*

Third Party Deposit

2.00%* subject to Min. RLLR / MCLR

*Over the applicable rates of interest on deposits

Note:In case there is more than one deposit in the name of the depositor(s) with varied rate of interest, 1% or 2% higher on the weighted average of rate of interest paid on deposits should be taken for calculating interest rate on loan.

3.2 RUPEE LOAN AGAINST FCNR DEPOSITS/ RESIDENT FOREIGN CURRENCY DEPOSIT (RFC) (IN INDIA)

Self

RLLR / MCLR

Third party Deposit

RLLR / MCLR + 1.00%

3.3 FOREIGN CURRENCY LOAN AGAINST FCNR/ NRE DEPOSITS (IN INDIA)

Rate of interest is provided by the Treasury Division on case to case basis.

4.INTEREST RATES ON PAPER SECURITIES, RELIEF BONDS OF RBI & OTHER CATEGORIES

4.1 ADVANCE against LIFE INSURANCE POLICIES, NSCs, KVP, other postal securities, Govt. & other paper securities

LIP including Postal Life Insurance

RLLR / MCLR +3.50%

Postal Securities (NSC/KVP/IVP)

Bonds/ RBI Relief Bonds, Units of Mutual Fund etc.

Postal Term Deposits

4.2 OTHER

Clean Loan*/Any other category not specified elsewhere

RLLR / MCLR +6%

Adhoc/Over Limit/ Temporary Facilities

2% over applicable ROI

DRI

4.00%

*Including Advances / Withdrawals against Uncleared Effects

5.FUTURE RENTAL SCHEME

SN

Particular

Spread over Applicable Benchmark ie., RLLR / MCLR

1.

Landlord of own bank Premises

3.00%

2.

Other Category

2.1

Individual*

As per IRMD MasterTable

(Refer Section C or D as applicable)

2.2

Non-Individual

*In case of individual, rate of interest as applicable to unrated borrowers with risk weight 100% shall be applied.


G. CONCESSIONS
1.COLLATERAL LINKED CONCESSIONS

Security Coverage

(% of total exposure)

Concession in Applicable Card Rate as per Internal Risk Rating *

1 to 6

7 & Below

Up to 50% of the loan amount

NIL

NIL

Above 50% and up to 75%

0.25%

NIL

Above 75% and up to 100%

0.50%

NIL

Above 100% and upto 150%

0.75%

NIL

Above 150%

1.00%

NIL

* Refer Section H for mapping of internal risk rating with rating grade and score band

Note: As per RBI guidelines no collateral should be insisted upon for MSE loan up to Rs. 10 lakh. Accordingly, no concessional rate is applicable for Loans up to Rs. 10 lakh. However, for loan accounts amounting Rs. 10 Lakh and above, the additional discount /reductions in rate of interest based on % of collateral security offered by the borrower.

This concession shall not be allowed on collateral securities in shape of Agriculture Land, Educational Institutions, Hospitals, Nursing homes, Guarantee Cover, Plant & Machinery.

In any case, the interest rate should not be below applicable benchmark, after exercising the discretionary powers and concessions.

2.SPECIFIC CONCESSION TO WOMEN ENTREPRENEURS

0.50% concession shall be available to women entrepreneurs enterprises* classified under Priority Sector and 0.25% under non priority sector under women Empowerment campaign. However, minimum lending rate after giving all rebates shall not be below Applicable Benchmark.

An enterprise shall be classified as a Women Entrepreneurs’ Enterprise where:

One or more women entrepreneurs have not less than 51% financial holding.

Specific for Para No. 1 and 2:

In case of partnership concerns, one or more women partners have not less than 51% profit/loss sharing ratio as per the Registered Partnership Deed

Collateral linked and Specific Concessions to Women Entrepreneurs mentioned at Para No. 1 and 2 aboveshall not be applicable in following cases:
In case of advance is sanctioned under any schematic lending where specific concession in ROI is already inbuilt, subject concession will not be applied unless specifically mentioned in the scheme.
In case any concession already given by respective / higher sanctioning authority.

Existing Concession already permitted to borrower mentioned at Para No. 1 and 2 shall continue till renewal/review of credit facilities. The proposed guidelines on concession shall be applicable at the time of renewal/ review of credit facilities.


3.CONCESSIONS NOT SPECIFIED ELSEWHERE

As per discretionary power vested with various sanctioning authority.

H. MAPPING OF RATING GRADES AND SCORE BANDS

For convenience of users, Rating Grades and Score bands are mapped with a common Internal Risk Rating as per the table below. The table can also be referred for rating significance and risk profile:


Rating Grade

Score Band

Internal Risk Rating

Rating Significance

Risk Profile

p style="text-align:center"

>80

1

Minimum Risk

Low Risk

A2

>70 to <=80

2

Marginal Risk

A3

>64 to <=70

3

Modest Risk

A4

>58 to <=64

4

Lower Risk

B1

>52 to <=58

5

Average Risk

Average Risk

B2

>46 to <=52

6

Marginally Acceptable Risk

B3

>40 to <=46

7

Cautiously Acceptable Risk

Borderline Risk

C1

>35 to <=40

8

High Risk

High Risk

C2

>25 to <=35

9

Very High Risk

C3

<=25

10

Exceptionally High Risk

NOTE

Applicable benchmarks are RLLR and MCLR. For MSME borrowers and Retail schemes, lending rate is linked to RLLR and for other borrowers lending rate is linked to MCLR.

Existing borrowers shall be charged with existing spread over applicable benchmark till next renewal / review of facilities.

Any concession permitted to existing borrowers which is inbuilt in nature shall continue till next renewal of facilities.

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