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Interest rates on advances- linked with MCLR

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As on date - One year MCLR Rate 8.05% About MCLR
Click Here for Monthly MCLR Rates
As on date, Repo Linked Lending Rate (RLLR): 7.80%
w.e.f. 05.10.2019 About RLLR
As on date, BASE RATE: 9.05% w.e.f. 01.01.2020
As on date, BPLR: 14.00% w.e.f. 01.05.2012

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%

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%

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