The base rate is the minimum rate of interest at which a bank can lend to its borrowers. The base rate of Punjab National Bank is 9.60% w.e.f. 01.10.2015.

Interest Rates - Loans & Advances

BASE RATE: 9.60% w.e.f. 01.10.2015

BPLR: 14.00% w.e.f. 01.05.2012

Master Table

Internal Risk Rating/PNB Score/PNB Score SME External rating
AAA AA A BBB BB & B C & D Unrated
A1 >80 BR BR+0.25 BR+0.50 BR+1.00 BR+1.50 BR+2.00 BR+1.25
A2 >70≤80 BR+0.25 BR+0.50 BR+0.75 BR+1.25 BR+1.75 BR+2.25 BR+1.50
A3 >64≤70 BR+0.50 BR+0.75 BR+1.00 BR+1.50 BR+2.00 BR+2.50 BR+1.75
A4 >58≤64 BR+0.75 BR+1.00 BR+1.25 BR+1.75 BR+2.25 BR+2.75 BR+2.00
B1 >52≤58 BR+1.25 BR+1.50 BR+1.75 BR+2.25 BR+2.75 BR+3.25 BR+2.50
B2 >46≤52 BR+1.75 BR+2.00 BR+2.25 BR+2.75 BR+3.25 BR+3.75 BR+3.00
B3 >40≤46 BR+2.25 BR+2.50 BR+2.75 BR+3.25 BR+3.75 BR+4.25 BR+3.50
C1 >35≤40 BR+2.75 BR+3.00 BR+3.25 BR+3.75 BR+4.25 BR+4.75 BR+4.00
C2 >25≤35 BR+3.25 BR+3.50 BR+3.75 BR+4.25 BR+4.75 BR+5.00 BR+4.50
C3 ≤25 BR+3.75 BR+4.00 BR+4.25 BR+4.75 BR+5.00 BR+5.00 BR+ 5.00


Agriculture advances:

(i) Regular Crop Loans/KCC up to Rs. 3 lacs: 7%

(ii) Loans up to Rs. 20.00 lacs (including regular
crop loans/KCC above Rs. 3 lacs): BR + 2%

(iii) Loans above Rs. 20.00 lacs: As per Master Table above.

MSME Advances:

a)
(i)Advances up to Rs. 50000/-: BR
(ii)Advances above Rs. 50000/- & up to Rs 20 lacs: BR+2.25%
(iii)Advances above Rs. 20 lacs: As per Master Table above

b)

i)-Minimum ROI for MSME advances BR i.e presently 9.60 %
ii)-Maximum ROI for MSME advances BR+2.50% * treating the investment grade as PNB B-3 as per internal rating
iii) Mean ROI for MSME advances BR+2.13% *

The total yearly interest cost on fixed amount of credit of Rs.100000/- based on Minimum/Maximum/ Mean ROI on MSME advances will be as under till any change in our ROI structure or Base Rate.

i) At Minimum ROI @ 9.60% =Rs.10034/-
ii) At Maximum ROI @ 13.85% =Rs.14764/-
iii) At Mean ROI @ 11.73% =Rs.12382/-

Other Advances:

(i)Advances up to Rs. 2 lacs: BR+ 3%
(ii)Advances above Rs. 2 lacs {including CRE(RH) Future Lease Rentals, & NBFCs (AFC)}: As per Master Table above
iii)For advances over 2 lacs to CRE (Others) & all other NBFCs: 100 basis points (1.00%) over and above rates prescribed in the Master Table.

Customer Care Division-

Toll Free No.
1800 180 2222
1800 103 2222
Tolled No. 0120-2490000
Landline :011-23714562