The Life and Times of Lala Lajpat Rai There are few leaders of the pre-independence era who, after having plunged themselves into the political struggle, continued to take an active interest in social, cultural and educational work. Lala Lajpat Rai was one of such leader. Born on 28th January, 1865 at a small village, Dhudike in the Ferozpur district of Punjab, he belonged to the Agarwal Baniya caste and it was perhaps because of this, in addition to taking part in social and political life of the country, he took keen interest in industrial and financial matter also. His father was a teacher of Persian and Urdu in a government school.

(1865-1928)

Having passed the final examination in Law from Punjab University, he started his practice in1883, when he was barely 18 years old. Endowed with a rich legacy of moral and intellectual background, Lala Lajpat Rai had benefit of education in his the practical rationalism of western science combined with the religious purity and moral elevation of Eastern literature put on him the hallmark of true culture. While sympathizing with and aiding every movement made for progress, Lala Lajpat Rai identified himself very closely with Arya Samaj, in which he found ample scope for the exercise of his patriotism, philanthropy and religious zeal. Having qualified as a pleader, Lala Lajpat Rai started practice at Hissar and soon became a leading lawyer of the district. He organized the Arya Samaj there and put it on proper lines. In 1892, he transferred his practice to the wider field at Lahore. Education, both secular and religious, was in Lala Lajpat Rai’s view an important factor in national development. HE took part in the foundation of the D.A.V. College at Lahore. Lalaji and Politics Lala Lajpat Rai always felt drawn towards politics. It was in 1888 that he joined the Indian National Congress when it met at Allahabad under the presidency of Mr. G. Yule. In 1905, the Indian National Congress Committee having recognized in him an austere, sincere and selfless devoted worker selected him as one of its delegates to place before the British public the political grievances of the Indian people. He met the expenses of his trip from his own pocket. He along with Gokhale carried on the political campaign in various parts of England and brought home to the mind of the British, the evils of an unsympathetic and bureaucratic government under which India was labouring and pleaded in eloquent language, adding facts and figures in supporting their contention, cause of the half starving and half dying people of India. Lala Lajpat Rai created an impression on the public of England.

After his return from England, he was busy devising and organizing ways and means for political advancement and industrial emancipation of the country. The movement of “Swadeshi” was in the offing and he put his heart and soul into it. He preached the message of swadeshi to the people of Punjab and made it very popular. This naturally enraged the bureaucracy and he came to be regarded as a revolutionary by the Bitishers and the Anglo-Indian press. He was openly dubbed as a Revolutionary and an instigator of the armed forces. The Jalianwala Bagh tragedy and the Government's denial to censure the conduct of its officers made him a complete non cooperator. He lost his faith in the British and threw himself whole heartedly into the non-cooperation movement. In 1925, he joined the Swaraj Party and became its deputy leader. He took active part in the deliberations of the debates of the Assembly. It was he, who moved the resolution for the Boycott of the Simon Commission in the Assembly. It was while leading the boycott procession at Lahore on the 30th October, 1928 that he received lathi blows on his chest which ultimately brought about his death on the 17th November, 1928. Lala Lajpat Rai and PNB Lalaji was keenly concerned with the fact that though Indian capital was being used to run English Banks and companies, the profits went entirely to the British, while Indians had to contend themselves with a small interest on their capital. He echoed this sentiment in one of his writing while concurring with Rai Mul Raj of Arya Samaj who had long cherished the idea that Indians should have a National Bank of their own. At the instance of Rai Mul Raj, Lala Lajpat Rai sent a circular to selected friends insisting on an Indian joint stock Bank as the first step in constructive Swadeshi and the response was satisfactory. After filing and registering the memorandum and Articles of Association on 19 May, 1894, the bank was incorporated under Act VI of the 1882 Indian Companies Act. The prospectus of the bank was published in the Tribune, and the Urdu Akhbar-e-Am and Paisa Akhbar. On 23rd May, 1894, the founders met at the Lahore residence of Sardar Dyal Singh Majithia, the first Chairman of PNB, and resolved to go ahead with the scheme. They decided to hire a house in the famous Anarkali Bazar of Lahore opposite the post office and near well known stores of Rama Brothers. On 12th April 1895, the bank opened for business, a day before the great Punjabi festival of Baishakhi. The essence of the Bank’s culture was clear at this first meeting itself. The fourteen original shareholders and seven directors took only a modest number of shares; the control of the bank was to lie with the large, dispersed shareholding, a purely professional approach that was as uncommon then as it is today.

SAVING A/C
TOTAL FREEDOM – SAVING FUND SALARY ACCOUNT

Purpose: To offer an attractive Saving Fund Account to Corporate Employees for enabling them to have their Salary Credited as well as availing overdraft facility up to Rs. 30,000/or the last salary credited in the account whichever is lower, at our interest rates applicable to Personal Loans to employees, it would be adjustable in bullet repayment at the time of next salary credit Initial Deposit and Minimum Balance Requirements : Zero Service Charges : It will be a ZERO CHARGES ACCOUNT, i.e., the customer would not be subjected to any charges in respect of any of the services related to this account.

Other Facilities offered: The following facilities are also be provided under the scheme:
• • • • •

Free Cheque: 20 cheques leaves free per annum. Free Statement of Accounts; Free issuance of all types of certificates including interest certificate and balance certificate, etc; Free of Cost issuance of PNB Debit/ATM Card; however, annual charges shall be recoverable. RTGS/NEFT Transaction: Free upto Rs 50,000/thereafter, normal charges. 50% discount in one locker at the branch convenient to customer for 1st year only.

Zero Balance, Zero Charges Saving Fund Account for Students ------------------------------------ PNB VIDYARTHI SAVINGS FUND ACCOUNT SCHEME

Eligibility Accounts can be opened in the name of students who have attained the age of 10 years and above, studying at VARIOUS RECOGNISED EDUCATIONAL INSTITUTIONS. Initial Deposit Amount/ QAB/Minimum Balance Required Zero Overdraft Facility The overdraft facility shall be given to students (of reputed educational institutions only) who are staying away from their parents. It would be made available on the request of the student with the UNDERTAKING TO PAY/ CONSENT LETTER from earning parents/natural guardian/local guardian of student. In the first year of opening of account, the facility would be available up-to a maximum limit of Rs.5,000/-. Subsequent to the satisfactory conduct of the account, in second year it could be enhanced upto Rs. 10,000/-. Other terms & conditions of this overdraft facility would be as under: Rate of Interest The overdraft facility would attract at the rate of interest as applicable to Personal Loans to the general public. The overdraft facility would be available for the students, having completed the age of 18 years Contingent day to day needs of those students who are staying away from

Age of Student

Purpose

Repayment

Recovery Aspects

their parents for the study purposes having got an admission with recognised and reputed educational institutions. For repayment purposes, a single post dated cheque must be obtained from earning parents/natural guardian/local guardian of student and kept on record. The overdraft facility must be brought into credit once in 3 months, failing which recovery process be started. The facility would be recalled and the student would not be eligible for this overdraft facility at any branch of our Bank. In any case, this facility should not be allowed to continue when the student is in the final year of study at that educational institution, i.e. account has to be got into credit at least six month before the expiry of the tenure of the study period without any further continuation of

overdraft facility. Attractive Freebies/Concessions The following freebies are also admissible: Demand drafts for all types Free of cost of fees/examination fees The account will be opened without Initial Deposit any initial deposit, Amount i.e., it will be Zero Balance Saving Fund Account Incidental Charges NIL Ledger Folio NIL Charges Retail Internet Free (at CBS Banking Services branches only) Intersol transactions including cash Free withdrawal/deposits Free (subject to ATM Card/DEBIT availability of CARD ATMs in the area) Cheque Book Free (2 cheque Facility books in a year) All other guidelines of the Bank regarding photographs, introduction, nomination facility, KYC norms, etc., as applicable to Savings Fund Account would also continue to remain applicable to these accounts.

PNB ‘MITRA’ SAVINGS BANK ACCOUNT NO-FRILLS SAVING BANK ACCOUNT FOR FINANCIAL INCLUSION OF POOREST/DESERVING SECTIONS OF SOCIETY

To ensure the financial inclusion of the poorest / deserving sections of the society, PNB has launched a No-frills Savings Bank Account Scheme known as PNB ‘MITRA’ SAVINGS BANK ACCOUNT that can be opened by an INDIVIDUAL singly or jointly, minors of the age of 10 years and above, minors under natural/legal guardianship. An illiterate or a visually impaired person is also eligible to open account under the scheme with usual safeguards. Simplified KYC procedures may be adopted for opening of these accounts. Product Highlights : •

For these accounts, minimum balance/initial balance requirement would be ZERO. No cheque book is to be issued under the Scheme.

For further information, please contact the nearest Branch Office.

CURRENT A/C
'PNB SMART ROAMER' (Current Account with Sweep In and Sweep out facility) The product is aimed at offering Current Account Customers convenient opportunity to earn extra-returns on surplus funds lying in the accounts which may not normally be utilised in the near future or are likely to remain unutilized. The automated nature of the facility for 'Sweep In or Sweep Out' of more than a lac of rupees, and creating fixed deposits for desired period, would save lot of operational hassles and create Customer Value. Roaming Features: The Customers would be able to operate their 'Current Comfort' at all other CBS branches of our Bank. It will facilitate transfer of funds as well as much faster cheque collection services for the customers, simultaneously customers will be able to withdraw cash from our CBS branches. Sweep in and Sweep out Features:

The Customer shall be able to profitably deploy his funds which were earlier not attracting any interest. Funds (above Rs. One Lac) lying in Current Accounts and their ready availability when required for payment /clearance of cheques. The bank would provide the facility of automatic transfer of balance from Current Accounts having a balance of over Rs.1,00,000/- (Rupees one lac only) in multiples of Rs. 25,000/- (Rupees Twenty Five Thousand Only) to Fixed Deposit Accounts. Sweep In Funds would be accepted for a minimum maturity period of 7 days and Maximum maturity period of 45 days. The customer would get the interest on such deposit at the TERM DEPOSIT CARD RATE (for below Rs 15 lacs amount of single Term Deposit) applicable for the period indicated by him/her, provided it remains under FD portion for a minimum period of 7 days.
Additional Features (subject to maintenance of stipulated 'minimum balance' in the account throughout during previous quarter i.e. clear balance on the closing of everyday should have been Rs.25,000/- or above) : i. ii. Free ATM Card; Free Debit Card (slated to be introduced by the Bank shortly-publicity on this aspect will begin only after launch) Free remittance of funds upto an extant of Rs. 25000/- per month at any of our branches having connectivity under CBS. One Cheque book of 50 leaves free of cost per quarter to be issued (inclusive of item no. xii) Free e-mails for statement of account on monthly basis Same day Credit for outstation cheques drawn on other branches of our Bank under CBS Connectivity

iii. iv.
v. vi.

vii. viii. ix. x. xi.

Free collection of one outstation cheque (issued in favour of customer) per quarter upto Rs. 10000/-(however, out of pocket expenses shall be recovered) Immediate credit of outstation cheques upto 15,000/25% concession on Annual Custody Charges for Demat Services 25% concession on service charges for providing EFT Services; Transaction i.e. T + 3 Days' Credit for outstation cheques drawn on other bank branches at locations where we have at least one PNB branch under CBS connectivity. If possible, Free Special Cheque Book (under relevant MICR Code) shall also be issued to customers enabling them to make payment by cheque to outstation parties at CBS centers.

xii.

PNB VAIBHAV– CURRENT ACCOUNT

Big on benefits & advantages * Available through PNB' s network of select Centralised Banking Branches Features Quarterly average balance required Rs.5,00,000/- and above Initial Deposit Amount required for Rs.5,000/opening of the account. Non-maintenance charges Rs.3000/- Qty. Free (of transaction charges) Unlimited Transactions allowed Transaction charged/L.F. charges Free Inter sol transfer charges – Free Local non-base branches Inter sol transfer chargesFree Outstation non-base branches Outstation/local-cheques/ Bills, etc. 50% discount on normal charges collection charges Free Statement on request. Upto 4 in a month Statement of Account(e-mail on Free on monthly basis request) Remittance charges/Drafts issuing, 50% discount on normal charges. etc. Standing Instructions Regn. Free De-mat A/c Charges (except charges First Year Free to be paid by Ban to NSDL) Rebate on Locker Rent (of any size) 50% rebate in locker rent of one

Internet Banking Services Debit-cum-ATM Card RTGS Services Personalised Multi-City Cheque Book Stop Payment Instruction charges Interest/Balance certificate Cash Withdrawals/Deposits charges – at Local Non-Base Branches, free upto: Cash Withdrawals/Deposits charges – at outstation Non-Base Branches, free upto Charges on payment of outstation Multicity Cheques, Free upto

locker Free Free 50% concessions on normal charges. UNLIMITED Free Free Rs.5 lac per day, thereafter 50% discount on normal charges. Rs.1 lac per day, thereafter 50% discount on normal charges Rs.1 lac per day, thereafter 50% discount on normal charges.

PNB GAURAV– CURRENT ACCOUNT

Big on benefits & advantages * Available through PNB' s network of select Centralised Banking Branches Features Quarterly average balance required Rs.1,00,000/- and above Initial Deposit Amount required for Rs.5,000/opening of the account. Non-maintenance charges Rs.1200/- Qty. Free (of transaction charges) 200 in a quarter Transactions allowed Rs.2/- per transaction beyond 200 Transaction charged/L.F. charges transaction. Inter sol transfer charges – Free Local non-base branches Upto Rs.50,000/- per day – no Inter sol transfer chargescharges, thereafter, 50% discount on Outstation non-base branches normal charges. Outstation/local-cheques/ Bills, etc. 25% discount on normal charges collection charges Free Statement on request. Upto 2 in a month Statement of Account(e-mail on Free on Quarterly basis request) Remittance charges/Drafts issuing, 20% discount on normal charges. etc. Standing Instructions Regn. 50% concessions on normal charges. De-mat A/c Charges (except charges First Year Free to be paid by Ban to NSDL)

Rebate on Locker Rent (of any size) Internet Banking Services Debit-cum-ATM Card RTGS Services Stop Payment Instruction charges Interest/Balance certificate Cash Withdrawals/Deposits charges – at Local Non-Base Branches, free upto: Cash Withdrawals/Deposits charges – at outstation Non-Base Branches, free upto Charges on payment of outstation Multicity Cheques, Free upto FIXED DEPOSIT

25% rebate in locker rent of one locker Free Free 20% concessions on normal charges. Free Free Rs.1 lac per day, thereafter 25% discount on normal charges. Rs.50,000/- per day, thereafter 25% discount on normal charges Rs.50,000/-per day, thereafter 25% discount on normal charges.

Spectrum Fixed Deposit Scheme
A Multi-Option Fixed Deposit Scheme that fit your needs, timing & resources, to match your convenience. Features:

Initial Deposit of Rs.1000/-only, and thereafter in convenient multiples of any amount of Rupee one Period of Deposit: (a) Maturity Option: For any period from 15 days to 120 months-For a single Term Deposit less than Rs. 15 lac and for any period from 7 days to 120 months-For a single Deposit of Rs. 15 lac & above. (b) Income Option: For any period from 6 months to 120 months. At PAR Collection of Fixed Deposit Receipt Payable at par at all CBS branches(premature payment, loans andother miscellaneous matters before maturity of the FDR shall be attended to only by the issuing branch) Multiple options available for interest payment viz. Monthly/Quarterly/Half-Yearly/Yearly or on maturity For an amount of Rs. 10,000/- and above overdraft with cheque book facility is available, to enable use of deposits. The

customer shall also be at liberty to make use of the facility through ATM-cum-Debit Card under 'Anywhere-Anytime Banking'. It will enable customers to have freedom to utilise their Fixed Deposits as and when needed without even coming to the Bank. The interest is chargeable only for the amount and period for which the overdraft facility has been availed; The illiterate and blind persons can also open the account without exercising the option of Overdraft Facility. Margin and rate of interest on Loans against deposits under the scheme shall be as per prescribed guidelines which shall be subject to modifications from time to time Automatic payment of LOCKER rent out of Interest proceeds Conversion facility regarding mode of payment of interest allowed;(provided FDR has been issued for a period of 12 months or more and remaining period of FD is more than 6 months) without invoking any penal provision Penalty clause, as per Bank’s guidelines, would be applicable to all term deposits schemes including recurring deposits. Automatic Renewal facility is provided as per option exercised by the depositor Availability of premature extension Part withdrawal in multiples of Rs.1000/- without loss of interest on remaining FDR
For further details, Please contact our nearest Branch.

Anupam Account

Our Bank has several Domestic Deposit Schemes designed to cater to the needs of various segments of customers to meet your specific requirement. The features of the Anupam Account Deposit Scheme are as under: 1. Participation Anupam Account Scheme may be opened in the name of individual(s), sole proprietorship concern, partnership firm, association, trust, Ltd. Company etc. However, Anupam Account shall not be opened in the name of a minor, illiterate and blind persons.

2. Minimum Initial Deposit Rs.10,000/- and thereafter in multiples of Rs.1000/- thereof. 3. Period of Deposit For any period from 6 months to 120 months. Existing deposits under Multi Benefit Deposit Scheme for Rs.10,000/- and above with unexpired term of 6 months or more are eligible for transfer to Anupam Account Scheme. 4. Overdraft Facility Overdraft facility shall be permitted through a Current Account and a Cheque Book will be issued to the depositor on the same day. The margin on the amount of overdraft against the deposit is For Public Maturity Period remaining at the time of granting overdraft Upto 2 years Above 2 years and upto 3 years Above 3 years and upto 4 years Above 4 years and upto 5 years Above 5 years 5. Third Party Advance Only depositors can avail overdraft facility against their deposits under this scheme. No third party advance ie Credit Facility / overdraft to persons other than depositors is allowed under Anupam Account. Even the overdraft facility to a proprietorship firm against Fixed Deposit in the name of its proprietor is not allowed. 6. Premature withdrawal of Deposit If any depositor desires to withdraw the deposit before maturity, Bank may at its discretion repay the deposit with upto date quarterly compounded interest at the rate applicable to the period for which deposit remained with the bank Margin 5% 7.5% 10.0% 12.5% 25%

7. Facility of Further Fixed Deposit in the same Anupam Account Further, Fixed Deposit can be accepted in the same Anupam Account on your request and the limit in the overdraft account be increased accordingly against the additional deposit and it will also be endorsed in the Receipt Form with you. 8. Renewal of Term Deposit on Maturity Renewal of Fixed Deposit is permitted at your request, if no overdraft is outstanding against it. 9. Withdrawable in multiples of Rs.1000/You may withdraw any amount before maturity anytime as well in multiples of Rs.1000/- any time according to your convenience without breaking the entire deposit and also without losing interest on remaining part of Fixed Deposit Receipt under the Scheme.

Multi Benefit Fixed Deposit (MBFD) Scheme

It entitles you to earn interest at term deposit rates on quarterly compounding basis. You may open with any amount with a minimum deposit of Rs.1000/for any period from 6 months to 120 months. You can avail the additional facility of automatic renewal of fixed deposit with or without interest on maturity. On demand, Loan in this MBFD scheme is also made available by us. For further details, Please contact our nearest Branch.

Recurring Deposit Scheme - EARN LARGE, SAVE SMALL Features
Account can be opened with a minimum monthly deposit of Rs.100/- or its multiples for a period of 6 months to 120 months in multiples of 3 months. Interest at term deposit rates is computable on quarterly compounded basis

The small monthly savings in the Recurring Deposit scheme enable you to accumulate a handsome amount on maturity.

For further details, Please contact our nearest Branch

Swechha Jama Yojna / Flexi RD Scheme
Features: Individuals can open account, singly or jointly, by a minor of the age of 10 years and above in his name or through his guardian. A depositor can choose a monthly installment with a minimum of Rs.100 or above in its multiples. However, the subsequent monthly installment will not exceed ten times of such core amount without any ceiling on maximum amount. No matter, even if the monthly installment is skipped. Deposit accepted for any period from 6 months to 120 months and interest is paid at term deposit rates on half yearly basis. For further details, Please contact our nearest Branch

LOAN Car Finance

Available for purchase of New Car/ Van/ Jeep/ Multi Utility Vehicle (MUV)/ Sports Utility Vehicle (SUV) or for old vehicles that are not older than 3 years. Finance will be provided for purchase of vehicle of indigenous/ foreign makes
Eligibility

For Private use Individuals as well as Business Concerns (Corporate or non-corporate).
Amount of Loan

For Individuals / Proprietorship Concerns: 25 times of the monthly net salary OR Rs.25 lacs (for one or more vehicles), whichever is lower. Income of parent(s) / spouse can be taken into account for determining loan amount. In such cases, the parent(s)/ spouse shall stand as additional guarantor. For Business Concerns (Corporate or non-corporate): No ceiling on loan amount (for one or more vehicles).
Margin For New Vehicles: 20% For Old Vehicles: 30% Security

The vehicle purchased with the amount of loan is to be hypothecated to the Bank. It will be registered in the name of the borrower jointly with the Bank.
Guarantee / Collateral Security

• Guarantee of spouse, if employed/ earning or third party guarantee, OR • Collateral Security in the shape of either Immovable Property or Liquid Security equivalent to 100% of loan amount. • Additional guarantee of parent(s)/ spouse to be taken incase their income has been taken account for determining loan amount.
Rate of Interest Click Here to view rate of interest Repayment

For New Vehicle: The loan amount together with interest is to be repaid

Personal Loan Scheme For Public

Purpose

To meet all types of personal needs.
Eligibility

i) All permanent Defence Personnel including officials of Military Station Headquarters, BSF, CRPF, CISF, ITBP ii) Confirmed/ permanent employees of Central/ State Govt/ PSUs and all reputed companies/ Institutions, who are drawing their salary through accounts maintained with our branches. Employees of above categories under ‘check-off facility’ iii) Professionally qualified Doctors viz. MBBS, BDS & above having annual income of Rs.4.00 lac & above. Minimum Net Monthly Income - Rs.15000 per month for eligible customers at Metro Centres; - Rs.12500 per month for eligible customers at Urban Centres; and - Rs.10000 per month for eligible customers at Semi-Urban and Rural Centres. However, for Teachers, Army Jawans, other permanent employees of Military Station Headquarters and Para Military Personnel whose salary is being credited and disbursed through our branches the minimum Net Monthly Income criteria shall be Rs.7500/- at all Centres viz. Metro, Urban, Semi-Urban and Rural.
Nature and Amount of Loan

Term Loan/ Overdraft – Minimum amount of loan will be Rs.50,000/and maximum amount of loan Rs.4,00,000/- or 20 times monthly net salary, whichever is lower, depending upon the repaying capacity.
Margin NIL Security

Suitable guarantee acceptable to the Bank.
Rate of Interest Click Here to view rate of interest Repayment

Term Loan: 60 Equated Monthly Instalments (EMIs) OR remaining period of service, whichever is earlier. Instalment to commence one month after disbursement of loan. Overdraft: The overdraft limit shall be adjusted within a maximum period of 60 months by reducing Drawing Power(DP) equivalent to EMI amount at the beginning of every month. However, loan allowed to Army Jawans, other permanent employees of Military Station Headquarters and Para Military Personnel shall be Repayable in maximum 36 Equated Monthly Instalments or remaining period of stay at the particular posting, whichever is lower.
Upfront Fee

1.8% of the loan amount + Service Tax & Education Cess
Documentation Charges

Rs.270/- upto Rs.2 Lac + Service Tax & Education Cess Rs.450/- over Rs.2 Lac + Service Tax & Education Cess
Other Guidelines

In Case of Employees of Govt./Institutions etc. In case of employees of government/institution etc., irrevocable letter of authority from the borrower to remit salary/installment and other amount payable to bank. Post dated cheques towards monthly installments be obtained from the borrower under the cover of ‘letter of deposit’ (Mandate of the borrower conveying deposit of PDCs for appropriation in the loan account). Where the employer agrees to check off facility, at least one PDC to

be obtained. In case of Army Officers : In case of Army Jawans, Other permanent employees of Military Station Headquarters and Para Military Personnel (Undertaking to be obtained from the Station Commandant/ Unit Incharge at the time of retirement/death/transfer of a particular Jawan/Personnel or on transfer of a unit, loan under the scheme will get adjusted.)

Professional Loan Schemes
PNB extends assistance to self-employed persons, firms and joint ventures of such professional persons engaged in professions such as: Medical practitioners including dentists, chartered accountants, cost accountants, practicing company secretaries, who are not in regular employment of any employer, accredited journalists or cameramen who are free lancers, i.e. not employed by a particular newspaper/magazine, lawyers or solicitors, engineers, architects, surveyors, construction contractors or management consultants or to a person trained in any other art or craft who holds either degree or diploma from any institution established, aided or recognised by Government or to a person who is considered by the bank as technically qualified or skilled in the field in which he is engaged. Loans under this scheme may be granted for the purpose of financing purchase of equipment used by the borrowers, business premises, construction, making alterations or renovation of business premises/nursing homes or for working capital requirements, in their professions. Eligibility Persons already practicing or new entrants in various professions, having licenses issued under Central or State Legislations; Associations of persons engaged in a single profession provided that each member of such an association is qualified and duly licensed to practice in the profession; and The qualified professionals will be required to produce a certified copy of the license for the record at the bank.

Amount of Loan Need based on merits within the overall permissible limits as under:

Metro/ Urban 1. Medical practitioners 2. Other professionals Rs 5.00 lac Rs 5.00 lac

S.Urban/Rural Area Rs 10.0 lac Rs 5.00 lac

Margin: Nil up to Rs.25000/-. 25% Above Rs. 25000/-. Securit y Hypothecation/Mortgage of the goods purchased/created with the amount of loan till the final adjustment of bank's loan and interest thereon. Collateral security by way of immovable properties or acceptable third party guarantee in case of advances above Rs. 25000/-.

Rate of Interest Click Here to view rate of interest Repayment Term Loan Loans up to Rs.50000/- 48 months Loans beyond Rs.50000/- 60 months Working Capital loans are renewable every year. Disbursemen t Payments will be made direct to the suppliers/ dealers. In case of construction of the premises, the loan may be disbursed in phases after verifying the end use in terms of the plan as also at the spot.

EDUCATIONA LOAN EDUCATION LOAN - "VIDYALAKSHYAPURTI"

The Scheme aims at providing financial assistance to deserving / meritorious students pursuing higher education in India or abroad. viz., Graduation courses – B.A., B.Com., B.Sc., etc., Post-Graduation courses, Masters & Ph.D; Professional courses, Engineering, Medical, Agriculture, Veterinary, Law, Dental, Management, Computer etc., Computer Certificate courses of reputed Institutes accredited to Department of Electronics or institutes affiliated to University; Courses like ICWA, C.A., CFA, etc., courses conducted by IIM, IIT, IISc, XLRI, NIFT, etc., Regular Diploma/Degree courses conducted by Colleges/Universities approved by UGC/Govt./AICTE/AIBMS/ICMR, Regular Degree / Diploma courses like Aeronautical, Pilot training, Shippling etc. approved by DGCA/ etc., Courses offered by National Institutes and other reputed Private Institutes. Students should approach the branch nearest to the place of domicile. Interest is charged monthly on simple basis during the repayment holiday/moratorium period & concession of 1% in rate of interest is allowed provided the same is serviced regularly during study period. Punjab National Bank has tied up with Kotak Mahindra Insurance to provide life insurance cover for Student borrowers.
Eligibility

Student eligibility
Should be an Indian National. Secured admission to Professional / Technical courses in India or abroad through Entrance Test / Merit based Selection process..

Expenses considered for Loan
Fee payable to College / School / Hostel Examination / Library / Laboratory fee. Purchase of books / equipments / instruments / uniforms. Caution Deposit / Building Fund / Refundable Deposit supported by Institution Bills / Receipts, subject to the condition that the amount does not exceed 10% of the total tution fee for entire course.. Travel Expenses / Passage money for studies abroad. Purchase of computers - essential for completion of the Course.

Boarding and lodging expenses in recognised Boarding Houses / private accomondations
Any other expense required to complete the course - like study tours, project work, thesis etc.

Click here for applying for education loan online

Loan Against Mortgage of Immovable Property
Scheme seeks to provide finance against mortgage of immovable property situated in Metro/ Urban/ Semi Urban centres. The scheme is designed to offer instant solutions relating to business needs or for personal needs such as, children's higher education, travel, daughter's marriage, medical emergencies, etc. Loan is, however, not available for speculative purpose. Purpose

For personal & business needs
Eligibility • • Employees of Central/ State Govt/ Schools/ Colleges/ Public Sector Undertakings (PSUs), Reputed Corporates and other intcome tax assesses who are below the age of 60 years Business Enterprises having a satisfactory track record of o 3 years of cash profit; and o Net profit in the immediately preceding financial year

Income Criterion

For Individuals

Minimum net monthly salary/ net annual income of Rs.10,000/ Rs.1,20,000/- for salaried and for other income tax assesses respectively Net annual income should be double that of total EMIs for the year

For Business Enterprises
• •

Minimum net annual income/ profit of Rs.1,20,000/Net income/ profit should be 1.5 times that of total EMIs for the year

Amount of loan

Term Loan & Overdraft

Minimum Loan:- Rs. 1 Lac Maximum Loan:- Rs.100 Lacs Security Non-encumbered residential house/ flat or Commercial or Industrial property (in the shape of building/ industrial shed) - self occupied or vacant. Rate of interest Click Here to view rate of interest Repayment • Loan

together with interest is repayable in maximum 84 equal monthly installments or upto the age of 65 years which ever is earlier Overdraft facility is to be renewed/ reviewed annually

Upfront Fee (in case of Term Loan)

0.90% of the loan amount (subject to a maximum of Rs.45,000/-) + Service Tax & Education Cess
Processing Fee (in case of General Overdraft Limit)

Upto Rs. 25,000/- - NIL Above Rs. 25,000/- & upto Rs. 2 Lac - Rs. 270/- + Service Tax & Education Cess Above Rs. 2 Lac - Rs. 225/- per lac or part thereof + Service Tax & Education Cess
Documentation Charges

Rs.900/- + Service Tax & Education Cess

'PNB FIN-BASKET' Scheme
1. OBJECTIVE

Offers attractive benefits as part of a Package to those customers who have the capacity and are willing to avail a minimum specified loan amount under at least two or more specified Retail Loan Schemes. 2. SCHEME APPLICABILITY Authorised Branches. 3. ELIGIBILITY Individuals, including joint owners, who are willing to avail a minimum loan of Rs.5.00 lac as a package under at least two specified Retail Loan Schemes at a time. One of which necessarily be for HOUSING and the other may be any one of the following purposes: Car, Personal or Education. At the same time, such individuals/ including joint owners should have adequate capacity to regularly service such loans. 4. PURPOSE Finance will be allowed for: Meeting need based requirement of purchase / construction /addition / repair/alteration/renovation/furnishing of House/Flat. Loans are also available for purchase of land/plot for House Building. Loan on pari passu or second charge basis only to confirmed employees of Central/ State Government / Public Sector Undertakings (PSUs) maximum upto Rs. 20 lacs. The quantum of loan be decided taking into account the amount of earlier loan availed and repaying capacity of the borrower. Purchase of New Car. Meeting urgent requirements of personal nature, such as marriage of children, holiday, foreign travel, family function, medical expenses etc. However, loan will not be granted for speculation purposes. Education for Self or Children, including the school education of the child. 5. AMOUNT OF LOAN

For Housing: Need Based - Minimum Rs.2 lac. Maximum Rs. 50 lacs For Car : Need Based - Minimum Rs.2 lac. For Personal Needs: Need Based - Minimum Rs.1 lac Maximum Rs. 2 lacs For Education: For Studies in India - Minimum Rs.1 lac Max. Rs.5.00 lac For Studies abroad - Minimum Rs.1 lac Max. Rs.10.00 lac 6. MARGIN 10% except when loan is availed for Personal and or Educational needs in which case it shall be Nil. 7. RATE OF INTEREST Housing TENOR For loans repayable in/upto i) Upto 5 years ii) Above 5 & upto 10 years Rate of Interest @percent p.a. REVISED w.e.f. 01.08.2003 7.75 8.25

Car - PTLR presently 11.50% Personal - 13% Education - 50 basis points below PTLR viz.11% 8. REPAYMENT Housing - Maximum 10 years (120 months) in equal Monthly Instalments. For Car and Personal - Maximum 4 years (48 months) in equal Monthly Instalments. For Education - Maximum 7 years (84 months) in equal Monthly Instalments. Obtention of advance cheques (P.D.Cs) signed by the borrowers be ensured towards repayment of equated monthly instalments alongwith letter of

deposit. In case of Housing and Education Loans minimum 24 advance cheques be obtained at a time. In case of loan of other purposes cheque for complete repayment period be taken. No moratorium period for repayment will be allowed and repayment to commence immediately. 9. MODE OF DISBURSEMENT As per extant guidelines of specific schemes viz. Housing, Car, Personal and Education. However, No charges for issue of Demand Draft /Bankers cheques are to be levied. 10. INSURANCE Comprehensive Insurance Policy to be obtained where loan is allowed for Housing and Car needs. 11. SECURITY: Housing Equitable/ Registered Mortgage of the House/Flat/ Plot Financed. Obtention of pari passu or second charge over the property mortgaged in favour of other Lender in situations where senior authorities consider requests and allow loan only to confirmed employees of Central / State Govts. / Public Sector Undertakings, who have raised funds for construction / acquisition of accommodation from other sources and need supplementary finance, for an amount of loan of maximum upto Rs. 20 lacs, which, however, should be for a minimum of Rs. 2lacs as prescribed above. Car Hypothecation of the Vehicle financed. Equitable mortgage should be for the total amount of loan. 12. GUARANTEE Suitable guarantee acceptable to the Bank may be obtained which may also include guarantee from family members/other relatives. 13. UPFRONT & DOCUMENTATION CHARGES

Flat Upfront charges of Rs.2,500/- & no documentation charge. 14. PREPAYMENT PENALTY In case any of the loan facilities allowed are adjusted within a period of three years, borrower(s) will be required to pay a prepayment Penalty @ 2% on the amount which had not become due for payment. 15. GENERAL The concessional loan facility is available provided the combined availment is Rs. 5 lacs or more. Equitable Mortgage of the Immovable Property against which Housing loan has been allowed will secure the combined loan for two or more purposes. Equitable Mortgage shall not to be released till final adjustment of all the loans.

Personal Loan Scheme for Pensioners
ELIGIBILITY

All types of pensioners who are drawing their pension through our branches are eligible. This includes pensioners and Ex-employees of our Bank. PNB’s pre 1986 retirees who are getting ex-gratia are also eligible. Further, pensioners whose pension is being received by the Bank through Department of Pension Disbursing Office (DPDOs) may also be allowed loan under the Scheme.
PURPOSE

To meet personal needs including medical expenses.
LOAN AMOUNT

- Maximum Rs.1,50,000/- (Rupees one lac only) or amount equivalent to 18 months' net pension, whichever is lower. - For Pensioners above the age of 75 years, the maximum amount of loan would be Rs.70,000/-.

MARGIN

Nil RATE OF INTEREST
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PROCESSING FEE

Nil
SECURITY

Guarantee of spouse eligible for family pension to be obtained or of any other family member of means OR a third party guarantee acceptable to the Bank.

Other Credit Schemes
To meet your credit requirements, PNB is there with many attractive schemes to choose from Scheme for advances to Road Transport Operators for purchase of Truck, Buses and advances to owner-drivers of Taxi, Car, Scooter, Diesel Jeep, Station Wagons or Tempos etc. Scheme for advance to self-employed persons engaged in small business. Advance against Bank's own Deposits. Loans to individuals against Shares / Debentures / Bonds. Advances against Govt. securities, postal securities, IVPs, KVPs, Jewellery, FDRs of PNB Subsidiaries, Units of UTI & other Mutual Funds, Pensioner's Benefit Scheme etc.

DEBIT CARD DEBIT CARD
PNB Debit Card 1) Online Electronic Payment at Shops at over 25 millions 2) International debit card can be used all over the globe

PNB DEBIT CARD :PNB Debit Card is purely an on-line product. PNB Debit card bears Master logo on the front. The Debit Cards can be accepted in India at over 300000

merchant locations and over 43000 ATMs. TYPES OF DEBIT CARD ISSUED AND IT’S FEATURES: 1.) Classic Debit Card: • Classic Debit card are issued personalized and non-personalized form. • Non – Personalized cards where name of the customer is not embossed on the card. • Personalized cards where name of the customer is embossed on the card. • The daily withdrawal limits for ATM and at POS terminals are Rs.25000/each. • The card can be used at POS terminals as like credit card (i.e. swipe the card at Pos terminal and sign the receipt). • The card can also be used on Internet for shopping (E-commerce transactions) 2.) Gold Debit Card: • Gold debit card is issued to Premium customers maintaining minimum Quarterly average balance of Rs.50000 in Saving fund A/c and Rs. 100000/in Current A/c. • Gold Cards where name and photo of the customer is embossed on the card. • The daily withdrawal limit for ATM and at POS terminals are Rs.40000/and Rs.60000/- respectively. • The card can be used at POS terminals as like credit card (i.e. swipe the card at Pos terminal and sign the receipt). •The card can also be used on Internet for shopping (E-commerce transactions) 3.) Biometric ATM Card: • Biometric ATM card is issued to illiterate customers. • With this card, transaction is authorized based on the finger print of the customer. • The card will be used at Biometric ATM only with the use of fingerprint only. • Daily withdrawal limit at ATM is Rs. 10000/-. ADDON Debit Card: • PNB account holder can get two add-on cards along with own Debit card for sharing the convenience with their loved ones. • The add-on card can be issued in the name of spouse, dependent parents,

and dependent children not below 18 years. • The primary cardholder will be responsible for all the transactions made by Add On card holder/s. • To avail of the above facility visit any of our branches. ELIGIBILITY Who are eligible for PNB Debit card •All existing Account holder who are maintaining minimum balance and who regularly operate their account are eligible for the issuance of Debit Card. • New customers, who open their accounts after introduction, are also eligible for the issue of Debit Cards at the time of opening the account itself. • Debit Card facility shall be extended to the individual customers only, having Savings Bank Account and Current Account. • Debit cards shall also be issued to individual customers having overdraft facility, which is in the nature of a personal loan. This shall mean and include personal loans extended to individual customers in the form of a regular overdraft limit such as clean overdraft facility or overdraft facility against FD/NSCs/LICs etc. where operations through cheques are permitted. • Debit Card can be issued in Joint Accounts with “Either or Survivor”/”Former or Survivor” mandate. In “Either or Survivor” accounts, cards can be issued to both the account holders whereas in “Former or Survivor” accounts card can be issued only to the Former. In joint Accounts where account has to be jointly operated Debit Card shall not be issued unless mandate for operation of account is changed to “Either or Survivor” or “Former or Survivor” basis. HOW TO APPLY? • Debit card can be obtained from any branch of PNB (irrespective of your account maintaining branch) by filling a Debit Card application form. • In case of Non-Personalized card (without name) the card would be issued instantly. • In case of personalized card (with name) the card would be issued in 7-8 working days. Issuance of Debit Card from Call centre: o Customers of our Bank may also get Debit Card simply by contacting our 24x 7 Call Center over phone at the following numbers-

0124-2340000 Also Accessible from mobile. 1800 180 2222 Toll free o The Card shall be delivered at their communication address. USAGE OF ATM/DEBIT CARDS: • PNB ATM / Debit Card is purely an on-line product. It is an International Debit Card in association of MasterCard Worldwide. • This card is an Shopping Cards used at POS with MasterCard Logo. • The Debit Cards can be used to withdraw cash from more than 1.25 millions ATMs globally & the card holders can make payments at more than 25 millions merchant locations worldwide for shopping. A few aspects of Bank’s Debit Card are highlighted as under: • Valid in all Master Card Acceptance Marks. • Acceptance in India at over 300000 “Maestro” Merchant locations and over 43000 ATMs having Cirrus Logo and “Master Card”. • Wide acceptance at both Merchant Locations (including Utility bill payment) and ATM locations across India • A PIN (Personal Identification Number) based magnetic Stripe Card which provides the safety and security to customers, while accessing their funds with the bank. •PIN can be changed and MINI Statement of the account can be taken from ATMs owned by PNB and MITR Member Banks. • Card validity - Till the customer holds the account. • PNB Debit Card is an International card and can be used all over the Globe on ATMs and at the Merchant establishments displaying Maestro logo. Charges: Bank has revised charges applicable to Debit Card w.e.f 01.02.2008, as under: Sr.No. Particulars of Charges Charges 1 ATM/Debit Card Issue Charges Waived ATM/Debit Card Annual Fee 2 Rs. 100/(After First Year) 3 Charges for issue Add on Card Rs. 50/4 Charges for issue of Duplicate Rs. 25/Pin However, if the Card has

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not been used even once due to error in Printing of PIN, issue of Duplicate pin shall be free) Charges for Issue of Duplicate ATM/Debit Rs. 100/Card/Replacement of ATM/Debit Card Issue of ATM/Debit Card with Rs. 25/photograph of the Cardholder

All the transactions to be made at PNB ATMs by PNB card holders will be free. Cash Withdrawal Charges for withdrawing Cash from all ATMs of other Bank’s -: The following charges shall be applicable: Transaction Charges w.e.f. 15.10.2009 MITR NETWORK 17.00 ALL OTHER NETWORKS 20.00 Sharing Arrangement

S. No. 1 2

1. No Transaction Charges will be recovered for first five Cash Withdrawals in a month from Savings A/cs. 2. No free Cash Withdrawal will be allowed in A/Cs other than Saving Fund A/Cs. 3. Maximum Rs.10,000/- permitted for Cash Withdrawal per transaction from other Banks’ ATMs. Balance enquiry under all Domestic Networks will be free. All POS transactions (shopping transactions) are also free. The charges for International transactions and ATMs are as follows: • Cash Withdrawal - Rs. 150/- per transaction • Balance Enquiry - Rs. 15/- per transaction PNB-EBL (Everest Bank Ltd) ATM Sharing Arrangement: PNB will charge Indian Rupees 50.00 only for cash withdrawal and Rs. 15.00 for Balance Enquiry from our customers for making ATM transactions in EBL's ATM network in Nepal.

ATM Sharing Arrangements Bank has sharing arrangement with various Banks under different networks. MITR ATM Sharing Network: The list of members under this arrangement: 1. Oriental Bank of Commerce 2. Indian Bank 3. Bank of Maharashtra 4. IndusInd Bank 5. UCO Bank 6. Punjab National Bank National Financial Switch (NFS) ATM Sharing Arrangement: The list of member banks under this arrangement: 1. Allahabad Bank 2. Andhra Bank 3. Axis Bank 4. Bank of Baroda 5. Bank of India 6. Bank of Maharashtra 7. Canara Bank 8. Central Bank of India 9. City Union Bank 10. Corporation Bank 11. Dena Bank 12. Development Credit Bank 13. HDFC Bank 14. ICICI Bank 15. IDBI Bank 16. Indian Bank 17. Indian Overseas Bank 18. IndusInd Bank 19. Laxmi Vilas Bank 20. Oriental bank of Commerce 21. Punjab National Bank 22. Standard Chartered Bank 23. State Bank of India 24. Syndicate Bank 25. Tamilnad Mercantile bank Ltd. 26. The Catholic Syrian Bank Ltd. 27. The Cosmos Cooperative Bank Ltd. 28. The Dhanlaxmi Bank Ltd.

29. The Jammu and Kashmir Bank Ltd. 30. The Karnataka Bank Ltd. 31. The Karur Vysya Bank Ltd. 32. The South Indian bank Ltd. 33. UCO Bank 34. Union Bank of India 35. United bank of India. 36. Vijaya Bank 37. Yes Bank Ltd. PNB has bilateral ATM Sharing Arrangement with SBI (including SBI Associate Banks) PNB is also a member of MasterCard ATM Sharing Arrangement covering all Banks at whose ATMs Maestro / Cirrus logo appears.

Nomination Facilities
In Deposit Accounts PNB offers nomination facility in deposit accounts, locker facility, safe custody etc. In an unfortunate event of the death of a depositor , nomination enables the bank to : make payment to the nominee of a deceased depositor, of the amount standing to the credit of the depositor, return to the nominee, the articles left by a deceased person in the bank's safe custody, release to the nominee of the hirer, the contents of a safety locker, in the event of the death of the hirer. Thus, in the event of death of the holder of a deposit account, a customer who has kept articles in safe custody with the bank, or the hirer of a safety locker, the nomination facility enables the bank to release to the nominee, the deposit amount, or the articles left in safe custody or held in safety lockers, as the case may be, without insistence on a succession certificate or probate of the will from the legal heirs of the deceased account holder/customer. Salient Features of the Nomination Facility

Deposit Accounts: Nomination facility is available to account holders operating Current Accounts, Savings Bank Accounts, and all types of term deposit accounts. Nomination can be made in favour of one person only. Nomination favouring the minor is permitted on the condition that the account holder, while making the nomination, appoints another individual not being a minor, to receive the amount of the deposit on behalf of the nominee in the event of the death of the depositor during the minority of the nominee. Nomination can be made only in respect of a deposit which is held in the individual capacity of the depositor and not in any representative capacity such as the holder of an office like Director of a Company, Secretary of an Association, partner of a firm, Karta of an HUF. and the like. In the case of a deposit made in the name of a minor, nomination shall be made by a person lawfully entitled to act on behalf of the minor. A nomination will continue to be in force even on renewal of a term deposit, unless specifically cancelled or changed. Who can Nominate? Bank account holders having deposit accounts in their individual names or, in joint names of two or more individuals. A person lawfully entitled to act on behalf of the minor in respect of a deposit account. How to Nominate? Specific forms are provided for availing of nomination facility. The account holder/customer will have to fill in the relevant form. The bank will acknowledge in writing to the concerned account holder/customer, the receipt of the nomination form and the nomination will be registered in the books of the bank. Cancellation of, Variation in, Nomination Cancellation of, or variation in, the nomination can be made at any time as long as the account is in force. While making nomination, cancellation or variation, witness is required and the request should be signed by all account holders. When the Nominee Makes a Claim In order to ensure that the deposits/articles, are handed over to the genuine nominee, the bank will insist on Proof of death of depositor: A death certificate or any other satisfactory mode of proof of death acceptable to the bank, will have to be furnished.

Identity of the nominee: A claim format establishing the claim of the nominee duly certified by i) a Magistrate or Judicial Official or ii) an Officer of the Central or State Government or iii) an Officer of a bank or iv) two persons acceptable to the bank who will act reference. Customers (new as well as existing) are advised to avail nomination facility, if they have not availed so far.

Krishi Card

Punjab National Bank has contributed significantly in the field of agriculture and other related activities for accelerating the pace of rural development. It has been providing loans to farmers under its various schemes specially designed for the agricultural sector.

Purpose (i) Short term working capital for agricultural activities, domestic requirements such as education, consumable items, medical expenses, etc., (ii) term credit needs of the farmers and credit against of debt from noninstitutional lenders.
Eligibility

Progressive literate and illiterate farmers who are owner cultivators, tenants, lessee or allottee farmers with recorded occupancy rights or farmers with ancestral/perpetual rights of cultivation. Oral tenants are eligible only if land owners agree to become co-borrowers, Self Help Groups (SHGs) of such tenants may also be given Kisan Credit Cards. Extent of Limit : Maximum Rs. 10 Lakh.
Fixation of Limit

Limit is fixed for term loan and annual working capital requirement for agricultural and allied activities, etc., Maximum Rs.5 lakh for crop production, consumption needs and working capital for allied activities. Need based term loan within the overall ceiling of Rs. 10 lakh including and maximum of Rs.50,000 for relief against indebtedness from noninstitutional money-lenders. Limit for various cards are as under: (i) (ii) (iii) (iv) Type of Card Vikas Card (Blue) Bhagyawan Card (Red) Sarvottam Card (Green) Swarn Card (Brown) : : : : Limit Upto Rs.50,000/-. Above Rs.50,000/- to Rs.3 lakh. Above Rs.3 lakh to Rs.5 lakh. Above Rs.5 lakh to Rs.10 lakh.

Limit is to be fixed in multiple of Rs. 1000/-. MARGIN Amount of Loan (i) Upto Rs.2 lakh (ii) Above Rs.2 lakh to Rs.5 lakh (iii) Above Rs 5. lakh Margin Nil 10% 25%

Security

(i) Upto Rs.50,000/- Hypothecation of crops/assets. (ii) Above Rs.50,000/- Hypothecation of crops/assets and Mortgage/ Charge on land (or) Charge/lien over liquid securities such as term deposits/NSCs/KVPs, etc., (or) Suitable third party guarantee. RATE OF INTEREST : The rate of interest is charged as prescribed by the RBI/Bank from time to time. ISSUE OF CARDS: After fixation of the limit and completion of documentation formalities, the farmer will be issued a Krishi Card valid for five years along with Pass Book for record of the limit and transactions. USAGE OF THE CARDS: Besides the card issuing branch, our other branches located in the specified district also accept the card and the payments on the cards upto Rs.3,00,000/- (Limit sanctioned for crop loans/consumption loans). SERVICE CHARGES FOR ISSUE OF CARDS: Service charges for issue of the cards as well as replacement of the card will be Rs 50/irrespective of the size of the limit. OPENING OF ACCOUNT: Opening of account in the joint names of farmers has been allowed. However, the card shall be issued to one borrower on the basis of mandate given by other co-borrowers. DISBURSEMENT: Entire cash credit limit is disbursed in cash. REPAYMENT: (i) Cash credit limit for crop production and consumption loan is repayable in 12/18 months depending upon harvesting/marketing period of crops grown. (ii) Working capital limit for allied agriculture activities is repayable in 12 months. (iii) Term loan is repayable in 5 years. It could be more than 5 years where longer repayment has been prescribed.
Personal Accident Insurance

All KCC holders upto the age of 70 years are covered under Personal Accident Insurance Master Policy. The risk coverage is Rs.50,000/- in case of death due to accident/permanent total disability/loss of two limbs or two eyes or one limb and one eye. The risk coverage is Rs.25,000/- in case of one limb or one eye. The annual premium is Rs.15 (net) per card holder and the claim procedure under the scheme is simple.

Agriculture Credit Scheme

SCHEME FOR FINANCING UNDER PNB KRISHI CARD (KISAN CREDIT CARD) SCHEME FOR PACKAGE LOAN TO FARMERS (PNB KISAN SAMPURAN RIN YOJNA) PNB KISAN ICHCHHA PURTI YOJANA CREDIT AGAINST GOLD ORNAMENTS/JEWELLERY, NATIONAL SAVINGS CERTIFICATES, FIXED DEPOSIT RECEIPTS AND KISAN VIKAS PATRA TO FARMERS PRODUCE (MARKETING) LOAN SCHEME FARM MECHANISATION SCHEME - FINANCING FOR PURCHASE OF FARM MACHINERY AND REPAIR/RENOVATION OF TRACTORS AND POWERTILLERS SCHEME FOR FINANCING FARMERS FOR PURCHASE OF SECOND HAND TRACTORS SCHEME FOR FINANCING SELF-PROPELLED COMBINE HARVESTERS SCHEME FOR FINANCING FARMERS FOR PURCHASE OF TRUCKS AND OTHER TRANSPORT VEHICLES SCHEME FOR FINANCING MINOR IRRIGATION SCHEME FOR FINANCING DEVELOPMENT OF HORTICULTURE (FRUITS, FLOWERS & VEGETABLES) AND PLANTATION CROPS SCHEME FOR FINANCING FORESTRY DEVELOPMENT PROGRAMMES SCHEME FOR FINANCING AGRICULTURAL GRADUATES FOR SETTING UP OF AGRI-CLINICS AND AGRI-BUSINESS CENTRES (ACABC) SCHEME FOR FINANCING FARMERS FOR PURCHASE OF LAND FOR AGRICULTURAL PURPOSE SCHEME FOR FINANCIAL ASSISTANCE TO AGRICULTURAL GRADUATES FOR PURCHASE OF LAND AND UNDERTAKING AGRICULTURAL ACTIVITIES SCHEME FOR FINANCING MUSHROOM CULTIVATION SCHEME FOR FINANCING MUSHROOM SPAWN PRODUCTION SCHEME FOR FINANCING SETTING UP OF BIOGAS UNITS SCHEME FOR FINANCING COMMISSION AGENTS/ARHTIYAS/DEALERS, COMMISSION AGENTS/ARHTIYAS & DEALERS ENGAGED IN DISTRIBUTION OF CATTLE FEED, POULTRY FEED, DAIRY FEED, ETC., AGAINST THEIR PAID-UP STOCK SCHEME FOR FINANCING POULTRY FARMING SCHEME FOR FINANCING DAIRY DEVELOPMENT PROGRAMMES

DAIRY VIKAS CARD SCHEME (Implemented in select States) SCHEME FOR FINANCING FISHERIES DEVELOPMENT SCHEME FOR FINANCING SHEEP/GOAT BREEDING/REARING ACTIVITIES SCHEME FOR FINANCING PIGGERY DEVELOPMENT SCHEME FOR FINANCING PURCHASE OF ANIMAL DRAWN VEHICLES i.e. CARTS AND DRAFT ANIMALS SCHEME FOR FINANCING APICULTURE (BEE-KEEPING) SCHEME FOR FINANCING KITCHEN GARDENING SCHEME FOR FINANCING GREEN HOUSES PNB KALYANI CARD SCHEME PNB GENERAL CREDIT CARD(GCC) PNB KRISHAK SATHI SCHEME(KSS) Top SCHEME FOR FINANCING UNDER PNB KRISHI CARD (KISAN CREDIT CARD): PURPOSE: Loan is provided to cover short term working capital for agriculture activities, other domestic requirements such as education, consumable items, medical expenses, etc., term credit needs of the farmers and credit against debt from non-institutional lenders. ELIGIBILITY: Progressive literate and illiterate farmers who are owner cultivators, tenants, lessee or allottee farmers with recorded occupancy rights or farmers with ancestral/perpetual rights of cultivation/Joint Liability Groups(JLGs). Oral tenants can be eligible for loan only if land owners agree to become co-borrowers. In the accounts which are secured by liquid securities like FDR,NSC/KVP etc., the cards to oral tenants can be issued without stipulating the condition of land owners to be made co-borrowers. Landeless labourers, share croppers, tenant farmers and oral lessees can be issued PNB Krishi Card upto limit of Rs 50,000 on the basis of affidavit. EXTENT OF LOAN: Maximum Rs.10 lakh Fixation of limit: Limit is fixed for term loan and working capital requirement limit for agricultural and allied activities, etc., based on the unit cost of the assets proposed to be acquired by the farmer, the allied activities already being undertaken on the farm repaying capacity.

Maximum limit of Rs 10 lakh is allowed as under: Maximum Rs 5 lakh for cash credit limit for crop production, consumption needs & working capital for allied activities.Entire cash credit limit under the scheme may be disbursed in cash. For consumption needs, loan may be sanctioned upto 25% of the limit or Rs 50000/-, whichever is lower. Need based term loan within overall ceiling of Rs 10 lakh including cash credit limit mentioned above & loan (maximum up to Rs.50,000) for relief against indebtedness from non-institutional money-lenders REPAYMENT OF LOAN: Term loan including loan for relief against indebtedness from non-institutional lenders may be repayable in 5 years. However, in case of term loan where repayment period is more than 5 years, longer repayment period as prescribed under the respective scheme is allowed. Top SCHEME FOR PACKAGE LOAN TO FARMERS (PNB KISAN SAMPURAN RIN YOJANA): PURPOSE: Bank will provide package loan to the farmers for undertaking various agricultural and allied activities for production as well as investment purposes and to meet the consumption credit requirements of the farmers. Besides, loan is also provided for processing/storage/value addition activities post harvest technology. ELIGIBILITY: Farmers who are owner-cultivators, tenants, lessee or allottee-farmers with recorded occupancy rights or farmers with ancestral/perpetual rights of cultivation. Individual farmers or group of farmers having aptitude/adequate experience together with minimum land holding, if stipulated in the respective agriculture credit scheme, will be eligible for investment loan. EXTENT OF LOAN: Need based. The farmer shall draw out his plan encompassing all agricultural activities on the basis of which extent of loan is determined. Consumption loan is allowed upto Rs.50,000 or 25 per cent of the total limit, whichever is lower. Farmers intending to avail both production as well as investment credit will be eligible to be covered under the scheme.

NATURE OF LOAN: Cash credit/ term loan/ overdraft/ composite loan depending upon the requirement of the farmers. REPAYMENT OF LOAN: The repayment period is fixed as per the individual scheme. Top PNB KISAN ICHCHHA PURTI YOJANA: PURPOSE: Loan is sanctioned for productive purpose (production and investment credit) related to agriculture and allied activities, Rural Housing related activities, and Consumption. SUB-LIMIT: 20% of the overall limit or Rs.2 lakh, whichever is lower is given for rural housing activities. However, loan for housing purpose will be allowed only if the mortgage of agricultural land for non agriculture purpose is permissible in the State. 30% of the overall limit or Rs 3 lakh which ever is lower (including 20% of the limit or Rs 2 lakh, whichever is lower, for rural housing activities) is given for consumption purposes. ELIGIBILITY: Only existing good agricultural land owner borrowers who have been continuously availing of any farm advance against mortgage of agriculture land and having no NPA record for last THREE years as on the date of application will be eligible. If the land mortgaged is in the name of more than one farmer then all will be eligible jointly.The condition of three years may be relaxed in case of new farmers having a good amount of deposit for the last three years provided the same is secured by 100% liquid collateral security or loan is secured by 50% liquid collateral security and 50% by mortgage of land ( valued at 50%of bank loan for small/marginal farmers & 75 % of bank loan for others) EXTENT OF LOAN: Loan limit will be the lowest of : 5 times average annual (2 years) income from agriculture and allied activities of the borrower. or 50% of value of mortgage land. Maximum limit: Rs.10 lakh Nature of maximum limit of Rs 10 lakh may be as under:-

Maximum Rs 5 lakh for cash credit limit for crop production, consumption needs (other than housing) & working capital for allied activities; • Need based term loan within overall ceiling of Rs.10 lakh including cash credit limit mentioned above & loan maximum up to Rs.2 lakh for Rural Housing.

RURAL HOUSING LOAN: If the land for which the house related loan is given is in the name of spouse then spouse will be co-borrower. Maximum age limit at the time of sanction of loan is 60 years. Applicants above 60 years but maximum 65 years may be considered for sanction of loan if all the legal heir join as guarantors. Required approval from competent authority for plan, etc., will have to be submitted. Other requirements of Bank’s Housing Loan Scheme are to be fulfilled. REPAYMENT OF LOAN: In case of Production Credit/Consumption Credit aggregate credit into the account during 12 months period should at least be equal to the maximum outstanding in the account. For housing loan maximum repayment period is 9 years including gestation period of 12 months. For Main Agricultural Activities the repayment period is allowed upto maximum of 9 years. For allied agriculture activities repayment period is allowed upto maximum of 7 years. Top CREDIT AGAINST GOLD ORNAMENTS/JEWELLERY, NATIONAL SAVINGS CERTIFICATES, FIXED DEPOSIT RECEIPTS AND KISAN VIKAS PATRA TO FARMERS: PURPOSE: Bank accepts gold ornaments and jewellery, fixed deposits, National Savings Certificates and Kisan Vikas Patra as security for agricultural loans, so long as the quantum of loan required is in consonance with crops grown or the investment proposed and repaying capacity likely to be generated and not with reference to value of securities pledged.

ELIGIBILITY: Applicant should be an agriculturist. EXTENT OF LOAN: Amount of loan is fixed according to the prescribed scale of finance for agricultural loan/approved unit cost. REPAYMENT: In case of credit facilities are required farmers for meeting credit requirements on an on-going basis, instead of observing seasonality, the limit is to be brought to credit once in a year for a week. Top PRODUCE (MARKETING) LOAN SCHEME: PURPOSE: To meet short term credit requirement to adjust/repay the outstanding crop loan/KCC limit availed by farmers from the bank and to procure better price by storing farm produce and selling it at favourable price within a specified period ELIGIBILITY: All the farmers irrespective of whether they were given crop loans for raising the produce or not will be eligible for the advances.However, where the farmers have availed KCC facility for crop production/composite cash credit limit from our bank for raising the crops, the same should not be overdue for repayment. NATURE & EXTENT OF FACILITY: Short term loan. Maximum upto Rs.5 lakh. The loan would be twice the amount of crop loan taken by farmer or 75 per cent of the value of the produce calculated at the Government announced procurement prices, whichever is lower. REPAYMENT OF LOAN: Produce (Marketing) Loan shall be repaid within a maximum period of twelve months from the date of its disbursement. Top FARM MECHANISATION SCHEME - FINANCING FOR PURCHASE OF FARM MACHINERY AND REPAIR/RENOVATION OF TRACTORS AND POWERTILLERS: PURPOSE: Loan is sanctioned for Purchase of new tractors and matching implements/equipments, purchase of new power tillers, purchase of second hand tractors with matching implements, purchase of agricultural machinery, repair/renovation of tractors.

ELIGIBILITY: For tractors: Farmer or a group of farmers holding land jointly should have a land holding either owned by them or held by them on perpetual leasehold rights of minimum 2.5 acres of perennially irrigated land or corresponding acreage. Economic viability of financing tractor in each case shall be worked out. Thus, financing of tractor shall be done after ensuring economic viability of the tractor loan proposal. For Power tillers: Farmer or a group of farmers holding land jointly should have a land holding either owned by them or held by them on perpetual lease hold rights of minimum 1.5 acres of perennially irrigated land or corresponding acreage. Financing of power tiller shall be done after ensuring economic viability of the power tiller proposal. For other farm machinery/equipments: No condition of minimum land holding has been stipulated. Farmer should have proper scope for utilization of assets and based on economics should be in a position to conveniently repay loan. EXTENT OF LOAN : Need based loan . INSURANCE : The tractor borrowers who have opted for PNB Farmers’ Welfare Fund Scheme are required to get their tractor and matching implements insured against “Liability”(third party) under the Insurance Act to get insurance coverage. Subscription will be recovered from the accounts of borrowers who give their consent to opt for PNB Farmers Welfare Fund Scheme. The structure of fee is as under :a) Rs.800/- : for 12 months of calendar year. b) Rs.400/- : for less than 6 months in a calendar year. REPAYMENT OF LOAN : Repayment of loan is to be made in half yearly/yearly installments as under: S.No. Particulars i. ii. Tractors Second hand tractors Power tillers Repayment period (Years) 7-9 5 7

iii

iv

Other farm machinery: 7 (including a) Small & marginal farmers repayment holiday of one year) b) Other farmers 5 Repair/renovation of tractors 5

v

NOTE: Repayment period shall be fixed on a case by case basis depending on nature of repairs, category of farmer and his repayment capacity, etc. Top SCHEME FOR FINANCING FARMERS FOR PURCHASE OF SECOND HAND TRACTORS: PURPOSE : To provide loan for purchase of second hand tractor to eligible farmers. ELIGIBILITY : Farmer or a group of farmers holding land jointly should have a land holding either owned by them or held by them on perpetual leasehold rights of minimum 2.5 acres of perennially irrigated land or corresponding acreage. Thus, financing of tractor shall be done after ensuring economic viability of the tractor loan proposal. EXTENT OF LOAN : Amount of loan will be 75% of depreciated value of tractor. Down payment of 25% at depreciated value of tractor to be financed is to be met by borrower from his own sources. Loan for second hand tractor and three implements including a trailer shall be restricted to Rs.1,50,000/- (Rupees one lakh fifty thousand only). Top SCHEME FOR FINANCING SELF-PROPELLED COMBINE HARVESTERS: PURPOSE: Loan is given for financing purchase of combine harvester. ELIGIBILITY: In case of farmers: Applicant should be able to maintain and run combine harvester or should make suitable arrangements for the same. In case of persons other than farmers: Applicant should be technically qualified having adequate know-how, skill and managerial ability to run custom service units. In case of State

Agriculture Farms/Corporations: State Agriculture Farms/ Corporations engaged in land development activities should have adequate resources and command area to run and maintain combine harvesters. EXTENT OF LOAN: Need based. REPAYMENT OF LOAN: 5-7 years in half-yearly instalments. Top SCHEME FOR FINANCING FARMERS FOR PURCHASE OF TRUCKS AND OTHER TRANSPORT VEHICLES: PURPOSE: Loan is given for purchase of New trucks, other new motorised light/medium vehicles like tempo, matador, jeeps, pickup vans, mini-trucks, two-wheelers to farmers for transport of agricultural inputs/produce.. ELIGIBILITY: Owners, Tenants or lessees of land and engaged in farming or allied agricultural activity for transporting agricultural inputs and farm products. Loan for purchase of trucks shall be given to farmers whose land holding is 3 acres or more. Loans for purchase of light/medium vehicles like jeeps, pick-up vans, mini-trucks, etc., to be used for transport of agricultural inputs and farm products shall also be made to farmers whose land holding is comparatively smaller, i.e. 2 acres or more. Loan for two wheeler is given to farmers having land holding of 1 acre or more. NATURE OF LOAN: Term Loan. REPAYMENT OF LOAN: Loan with interest is repayable in maximum period of 48 months in suitable instalments . Top SCHEME FOR FINANCING MINOR IRRIGATION: PURPOSE: Purchase of Pump sets, construction of Dug wells, deepening of Wells/Repair to wells, Bore wells, Shallow Tubewells, Deep Tubewells, Installation of Persian Wheels/Rehats, Sprinkler Sets, Drip Irrigation, Solar Pumps, Wind Mills, Check Dams, Construction of pump house, water tanks, laying of field channels, pipe lines and

water courses, Use of PVC and MS pipes and GI bends Standby Diesel Engines, Pump sets fitted on Trolleys, Bicycle along with Diesel pumpsets Replacement of pumping equipment, Generator sets for energisation of pumpsets used for agricultural purposes, Lift Irrigation and related activities. ELIGIBILITY: I. A farmer intending to implement a minor irrigation project must have a holding of at least 2.5 acres of land. Project must be technically feasible and financially viable. II. Group Financing – Community Projects: Small and marginal farmers in groups or community minor irrigation projects are also financed . NATURE OF LOAN: Medium term loan. EXTENT OF LOAN: Need based REPAYMENT OF LOAN: Ranges from 5-15 years depending on individual activity. Top SCHEME FOR FINANCING DEVELOPMENT OF HORTICULTURE (FRUITS, FLOWERS & VEGETABLES) AND PLANTATION CROPS: PURPOSE: Financial assistance will be made available mainly for establishment and development of new orchards or groves of fruit crops, plantation crops, ornamental crops, medicinal plants, essential oil/aromatic plants etc, rejuvenation of existing orchards or plantation, raising vegetables ,raising flower crops, inter-cropping in horticultural crops, Marketing loan to meet picking, grading, crating, forwarding and transportation costs etc.. ELIGIBILITY: Individual farmers or group of farmers with stipulated land holding , and Public Sector Undertakings or private firms desirous of seeking financial assistance for plantation of fruit trees or other economic plants on project basis. NATURE OF FACILITY: Short term loan or cash credit facility is provided for production purposes and Medium term loan for development of orchards or vegetable/flower gardens.

EXTENT OF LOAN: Need based. However, working Capital loan would depend upon scales of finance. In case marketing loan is also considered, it does not exceed 20 per cent of the estimated value of crop. GESTATION PERIOD :Gestation period will vary with variety of plants/trees grown. REPAYMENT OF LOAN: Short Term Loans: Crop Loan: Loan disbursed for raising vegetable crops, flower crops or other inter-cropping shall be recovered within 6-8 weeks of harvest of crop unless loans are given as composite loans taking into account both production and investment credit needs. In such cases, loan would be recovered in 4-5 years. Marketing Loan: Repayment within 4 months from date of loan. Medium Term Loan: Repayment period (inclusive of gestation) in respect of medium term loans shall be in the range of 4-15 years. Top SCHEME FOR FINANCING FORESTRY DEVELOPMENT PROGRAMMES: PURPOSE: Term Loan shall be provided for the development of nurseries, Plantation and raising forestry trees upto harvesting , Loan for inter-cropping is also considered depending upon the crops to be grown. ELIGIBILITY: Farmers, Companies, State Undertakings having ownership/ lease-hold/ perpetual tenancy rights over land in their name shall be eligible for availing loan under the scheme. EXTENT OF LOAN: Need based. REPAYMENT OF LOAN: (i) Forest Plantation: Loan for scheme where trees are grown should be repaid within a maximum period of 15 years inclusive of grace period.

(ii) Nursery: Since nursery starts yielding income within short period, repayment of entire term loan shall be fixed within 5 years. I. SCHEME FOR FINANCING DEVELOPMENT OF WASTELAND (INCLUDING TREE PATTA SCHEME): PURPOSE: Loan is given for Reclamation of soil ,Soil conservation measures ,Conditioning of land by raising seasonal crops in reclaimed area for initial one/two years, raising of forest tree/pastures in existing wasteland or reclaimed land, creating irrigation potential in wasteland, Schematic afforestation of wasteland, tree patta holders under Tree Patta Scheme. ELIGIBILITY: Farmers having land holdings ,Panchayats/other bodies having such community land. EXTENT OF LOAN: Need-based loan. II. MARGIN MONEY ASSISTANCE SCHEME FOR DEVELOPMENT OF WASTELAND: ELIGIBILITY:State Government Corporations, Urban Development Authorities, Public Undertakings and Semi-Governments Organisations. EXTENT OF MARGIN MONEY ASSISTANCE: Quantum of margin money will be decided on the basis of individual project and its cash flow. National Wasteland Development Board (NWDB), will give an amount upto 25 per cent of project cost of bankable projects. DEVELOPMENT OF NON-FOREST WASTELAND UNDER INVESTMENT PROMOTION SCHEME: ELIGIBILITY: Projects promoted by Individual entrepreneurs and Individual/group of farmers,Central and State Governments Undertakings,Co-operative Institutions,Public Trusts and Societies registered under the Societies Registration Act, Corporate Bodies registered under the Companies Act. AREA COVERAGE OF SCHEME: Scheme will primarily be restricted to non-forest wasteland owned by Central and State Governments. Top

SCHEME FOR FINANCING AGRICULTURAL GRADUATES FOR SETTING UP OF AGRI-CLINICS AND AGRI-BUSINESS CENTRES (ACABC): OBJECTIVES: (i) To supplement the efforts of Government Extension System. (ii) To make available supplementary sources of input supply and services to needy farmers. (iii) To provide gainful employment to Agricultural Graduates in new merging areas in agricultural sector. CONCEPT: (i) Agri-clinics: Agri-clinics are envisaged to provide expert services and advice to farmers on cropping practices, technology, dissemination, crop protection from pests and diseases, market trends and prices of various crops in the markets and also clinical services for animal health, etc., which would enhance productivity of crops/animals. (ii) Agri-business Centres: Agri-Business Centres are envisaged to provide input supply, farm equipments on hire and other services. PURPOSE: Financial assistance is provided to the eligible persons for any economically viable activity selected by the Graduates acceptable to the Bank: (i) Soil and water quality-cum-inputs testing laboratories (with Atomic Absorption Spectrophotometers). (ii) Pest surveillance, diagnostic and control services. (iii) Maintenance, repairs and custom hiring of agricultural implements and machinery including micro-irrigation (sprinkler and drip) systems. (iv) Agri-service centres including the three activities mentioned above (Group activity). (v) Seed processing units. (vi) Micro-propagation through Plant Tissue Culture Labs and Hardening Units. (vii) Setting up of vermiculture units, production of bio-fertilizers, biopesticides, bio-control agents.

(viii) Setting up of Apiaries (bee keeping) and honey & bee products processing units. (ix) Provision of Extension Consultancy Services. (x) Facilitation and agency of agricultural/insurance services. (xi) Hatcheries and production of fish finger-lings for aquaculture. (xii) Provision of livestock health cover, setting up veterinary dispensaries and services including frozen semen banks and liquid nitrogen supply. (xiii) Setting up of Information Technology Kiosks in rural areas for access to various agriculture related portals. (xiv) Feed Processing and Testing Units. (xv) Value Addition Centres. (xvi) Setting up of Cool-Chain from the farm level onwards (Group Activity). (xvii) Post Harvest Management Centres for sorting, grading, standardization, storage and packaging. (xviii) Setting up of Metallic/Non-Metallic Storage Structures (Group Activity). (xix) Retail marketing outlets for processed Agri-products. (xx) Rural marketing dealerships of farm inputs and outputs. (xxi) Internet kiosks either separately or in combination of any of the eligible project activities selected by the entrepreneurs. ELIGIBILITY: (i) The applicant should be Agricultural Graduates/Graduates in subjects allied to agriculture like horticulture, animal husbandry, forestry, dairy, veterinary, poultry farming, pisciculture and other allied agricultural activities. (ii) Individuals or in group of not exceeding 5 persons; of which one could be a Management Graduate with qualification or experience in

business development and management. EXTENT OF LOAN: Need-based; subject to the following :(i) Project by Individual : Rs.10 lakh (ii) Project in Group : Rs.50 lakh REPAYMENT OF LOAN: Loan shall be repayable in monthly/ quarterly/ half-yearly/ yearly schedule depending upon the income generation from the project or as prescribed in the respective Credit Schemes of the bank. Top SCHEME FOR FINANCING FARMERS FOR PURCHASE OF LAND FOR AGRICULTURAL PURPOSE: PURPOSE: The objective of the Scheme is to finance the farmers to purchase, develop and cultivate agricultural as well as fallow and wasteland. ELIGIBILITY: Small and marginal farmers and Share croppers/Tenant farmers. EXTENT OF LOAN: It will depend on the area of the land to be purchased and its valuation and also development cost. However, maximum extent of loan under the Scheme shall be restricted to Rs.5 lakh. REPAYMENT OF LOAN: Loan is to be repaid in 7-10 years in halfyearly/ yearly instalments including maximum moratorium period of 24 months. Top SCHEME FOR FINANCIAL ASSISTANCE TO AGRICULTURAL GRADUATES FOR PURCHASE OF LAND AND UNDERTAKING AGRICULTURAL ACTIVITIES: PURPOSE: Purchase of land,Development of land,Crop loan/loan for any allied agricultural activity. ELIGIBILITY: The applicant must belong to farming families which have no land holding. And must be Graduates in Agriculture,

Veterinary Sciences, or Agriculture Engineering and must be presently unemployed. AMOUNT OF LOAN: Extent of loan will be need-based depending upon area of land to be purchased for a defined project to be undertaken by borrower; subject to limitations, maximum 2.5 acres irrigated or 5 acres unirrigated. REPAYMENT OF LOAN: Loans given for purchase of land should be repaid in a period not exceeding 8 years including gestation period. Top SCHEME FOR FINANCING MUSHROOM CULTIVATION: PURPOSE: Loan is considered for Investment Credit and Working Capital (For initial one crop only). ELIGIBILITY: Loan is considered for individuals as well as for large sized units possessing adequate experience of mushroom cultivation. EXTENT OF LOAN: Need based. REPAYMENT OF LOAN: Maximum 7 years including gestation period depending upon repaying capacity of borrower. Top SCHEME FOR FINANCING MUSHROOM SPAWN PRODUCTION: PURPOSE: Financial assistance for spawn production is considered for the purpose of investment as well as recurring expenditure. ELIGIBILITY: Individuals as well as large sized units possessing qualification in plant pathology or having proper background and training for spawn production. EXTENT OF LOAN: Need Based. REPAYMENT OF LOAN: Maximum 7 years Top SCHEME FOR FINANCING SETTING UP OF BIOGAS UNITS:

ELIGIBILITY: Intending borrower should have adequate number of cattle commensurate with size of plant proposed to be set up. EXTENT OF LOAN: Need based depending upon models and capacities of biogas plant REPAYMENT OF LOAN: 5-7years. SCHEME FOR FINANCING COMMISSION AGENTS/ARHTIYAS/DEALERS, COMMISSION AGENTS/ARHTIYAS & DEALERS ENGAGED IN DISTRIBUTION OF CATTLE FEED, POULTRY FEED, DAIRY FEED, ETC., AGAINST THEIR PAID-UP STOCK: Details of the scheme for financing Commission Agents/Arhtiyas/Dealers for distribution of farm inputs are given in two parts, i.e., Part-I and Part-II . PART-I: FINANCE TO ARHTIYAS/COMMISSION AGENTS/DEALERS ENGAGED IN DISTRIBUTION OF AGRICULTURE INPUTS SUCH AS SEEDS, PESTICIDES, FERTILISERS, ETC., AGAINST THEIR PAID-UP STOCK AND BOOK-DEBTS AND COMMISSION AGENTS/ARHTIYAS WHO ARE EXTENDING CREDIT TO FARMERS FOR PURCHASE OF AGRICULTURE INPUTS BUT ARE NOT EXCLUSIVE DEALERS OF THESE INPUTS: ELIGIBILITY: Individual/firm/private or public limited company/corporate body or co-operative society registered under any law relating to Co-operative Societies working as Arhtiyas/ Commission Agents/Dealers ,enjoying good reputation in the area,having sound financial position,having sufficient experience in distribution of agriculture inputs to agriculturists and having satisfactory turn-over. NATURE OF FACILITY: (i) Cash Credit (Hypothecation) (ii) Cash Credit (Pledge) (iii) Cash Credit (Book-debts) EXTENT OF LOAN: Need-based. PERIOD OF LOAN: Period of loan should coincide with marketing of

produce of current crops (Kharif/Rabi). Account to be brought into credit balance at least once in a year. Account to be renewed annually. Top PART-II: FINANCING DEALERS ENGAGED IN DISTRIBUTION OF CATTLE FEED, POULTRY FEED, DAIRY FEED, FISHERY FEED, ETC., UPTO MAXIMUM AMOUNT OF RS.40 LAKH AGAINST THEIR PAID-UP STOCK: ELIGIBILITY: Individual/firm/private or public limited company/corporate body or co-operative society registered under any law relating to co-operative societies working as Arhtiyas/ Commission Agents/Dealers enjoying good reputation in the area,having sound financial position, having sufficient experience in distribution of cattle feeds, etc., and having satisfactory turn-over. EXTENT OF LOAN: Need-based . Top SCHEME FOR FINANCING POULTRY FARMING: Scheme for financing poultry farming provides for investment credit for construction of sheds and purchase of equipments on the one hand and production credit for purchase of day old chicks, feed, medicines, etc., on the other hand. Financial assistance shall be made available to the intending borrowers as under: PURPOSE: For subsidiary activity: Investment credit will be provided in the shape of medium term loan for acquiring fixed assets whereas production credit will be given to meet the working capital requirements in the shape of Short Term Loan. For main activity: Investment credit will be provided as medium term loan whereas production credit will be given either in the shape of cash credit limit or as an integral component of investment credit.

ELIGIBILITY: For subsidiary activity: Small farmers, landless agricultural labourers or any other persons who are under-employed and intend to supplement income through poultry. He should be having adequate land/shed where he/she proposes to establish poultry farm. For main activity: The applicant should be well experienced in running poultry unit and should be engaged/desirous of engaging himself in such an activity on commercial basis as his main vocation. He should be having required land/shed where he intends to establish or enlarge a poultry farm. Unit size: Minimum size of the poultry unit to be financed as subsidiary activity should be 500 birds. EXTENT OF LOAN: Extent of loan will be need-based. REPAYMENT OF LOAN: Production credit, if given as short term loan, would be recovered in maximum period of 18/12 months providing gestation period of 6/3 months in the case of layers and broilers, respectively. Repayment of investment loan shall start after adequate gestation period (upto 12 months in the case of layers and upto 3 months in the case of broilers) in suitable monthly/quarterly/half-yearly instalments over a period of 6-7 years in the case of small farmers depending upon their repaying capacity. Top SCHEME FOR FINANCING DAIRY DEVELOPMENT PROGRAMMES: Dairy projects are financed for the following activities: I. Financing individuals for purchase of good quality high yielding milch animals, viz., cows/buffaloes or cross bred cows for milk production. II. Financing individuals for purchase and rearing of calves upto the stage of first lactation.

III. Financing for other innovative animal husbandry activities, namely, cattle breeding, salvaging of dry pregnant cattle, milkprocessing facilities, construction of milk houses, etc. FINANCING FOR MILK PRODUCTION ACTIVITY i.e. PURCHASE AND MAINTENANCE OF MILCH ANIMALS (LACTATING COWS/BUFFALOES) FOR MILK PRODUCTION: PURPOSE: Bank provides loan for following purposes: Purchase of good quality high milk cows/buffaloes. • Construction of shed(s) for keeping the animals. • Purchase of dairy machinery or other equipments of dairy business. • Providing fodder for the animals. • Cost of transportation of animal from cattle market. • Composite loans are also given for purchase of milch cattle and one month concentrate feed requirements as also for cultivation of fodder crops in integrated manner.

ELIGIBILITY: >> Individuals undertaking dairying as subsidiary activity. >> Individuals undertaking commercial dairy as main activity. EXTENT OF LOAN: Need-based loan is provided. A unit of 2 milch animals is considered viable minimum size for such an activity for continuous production of milk. REPAYMENT OF LOAN: Loans for purchase of milch animals should be repaid as under: Repayment period (including gestation period) 5 years 4-5 years 4-5 years

S.No.

Type of Investment

Loan Instalment period Monthly/ Quarterly -do-do-

Gestation period

1 2 3.

Cross bred cow(s) Buffaloes 2 Graded

Repayment to be linked with lactation period. -do -do-

4.

Murrah buffaloes Cross bred calf 5-6 years rearing

-do-

30 months

Top SCHEME FOR FINANCING REARING OF GOOD QUALITY FEMALE CALVES: PURPOSE: Rearing of female calves of about 4 months of age born of healthy parents upto the age of first calving. ELIGIBILITY: Cattle breeders/ progressive farmers having female calves undertaking to retain them for milk production or sell them on first calving. Farmer should have land for raising adequate fodder. EXTENT OF LOAN: Amount of loan shall depend upon the number of calves the borrower(s) intends to rear. REPAYMENT OF LOAN: If the calf is retained as lactating cow, loan and interest shall be recovered in maximum four years after first calving in suitable instalments. If the calf is sold as fresh calve, principal and interest should be recovered in lump sum from the sale proceeds of the animal. Accordingly, maximum repayment period shall be 5-6 years in the former case while it shall be 2 years and 6 months in the latter case. Top FINANCING FOR OTHER INNOVATIVE ANIMAL HUSBANDRY ACTIVITIES: PURPOSE: Cattle Breeding through Artificial Insemination; Salvaging of dry pregnant cattle; Financing for milk processing facilities; Financing for construction of milk houses (Dudhghar) by Village Milk Cooperative Societies; Financing for development of pasture, etc. EXTENT OF LOAN: Need based. Top DAIRY VIKAS CARD SCHEME (Implemented in select States):

PURPOSE: Purchase of good quality high milk yielding cows/buffaloes or exotic cross bred cows; Construction of shed for keeping the animals; Purchase of working capital items like, dairy feeds, veterinary medicines, fodder, dairy machinery or other equipments, etc. ELIGIBILITY: Landless agricultural labourers or farmers/ individuals having experience in maintaining milch animals. MARGIN: Nil. TYPE OF CARD: PNB Dairy Vikas Card. VALIDITY OF CARD: 5 Years. EXTENT OF LOAN: Rs.1,00,000/FIXATION OF LIMIT: Production Credit: Maximum 25% of the limit. Investment Credit: Minimum 75% of the limit. DISBURSEMENT OF LOAN: Loan shall be disbursed in cash in stages as per requirement of the farmer. The limit shall be availed from the Card Issuing Branch only. REPAYMENT OF LOAN: Investment credit will be repayable in 5 years with reducing composite cash credit limit on yearly basis. Installments in the account shall be repaid on monthly/quarterly basis. PURCHASE OF NEW BUFFALO/REPLACEMENT OF EXISTING BUFFALO: PURPOSE: Applicants are allowed to purchase new buffalo/replacement of existing buffalo to the extent of reduction in limit provided the conduct of account is observed satisfactory for one year. Such a facility will be allowed upto third year. AREA OF OPERATION: Initially the scheme is implemented in the States of Punjab, Haryana, Rajasthan, Uttar Pradesh, Madhya Pradesh, Gujarat & Maharashtra. Top SCHEME FOR FINANCING FISHERIES DEVELOPMENT: SCHEME FOR FINANCING INLAND FISHERIES DEVELOPMENT

AND BRACKISH WATER FISH AND PRAWN CULTURE: PURPOSE: Financial assistance is extended for Construction/renovation of ponds/tanks., construction of sluices, purchase of fish prawn, fry and fingerlings/ fish seed/ prawn seed, purchase of inputs like oil cake, fertilizers, organic fertilizers and other feed materials upto the first harvest, purchase of nets, boxes, baskets, ropes, shovels, hooks and other accessories etc. ELIGIBILITY: Loan assistance is extended to farmers, individuals, cooperative societies, companies, association of persons who have adequate know-how and necessary infrastructural facilities for implementation of the scheme EXTENT OF LOAN: Need based. REPAYMENT OF LOAN: Loans need to be repaid within the period specified as under: Pond fish culture: 5-8 years including gestation period with yearly mode of repayment. Brackish water fish/prawn culture: 5-10 years including gestation period with half-yearly mode of repayment. Top SCHEME FOR FINANCING MARINE FISHERIES: PURPOSE: Loan can be considered for purchase of mechanized/nonmechanized boats/deep sea fishing vessels/trawlers, purchase of nets travel net/purse-seine/grill nets, purchase of other deck equipments like travel, winch, wire rope, gallows, net-handler, navigational lights, life jackets, life boats, anchors, direction finders, fish finders, etc. purchase of marine engine. etc. ELIGIBILITY: Loan is extended to individual(s)/partnership firm(s), co-operative society(ies), limited company(ies) who are technically qualified and having adequate experience to undertake such venture. EXTENT OF LOAN: Amount of loan will be according to the requirements of project report submitted by intending borrower(s). REPAYMENT OF LOAN:

Medium Term Loan: Non-mechanized boats/vessels : 6-7 years. Mechanized boats : 8-12 years. Cash Credit Limit: Cash Credit Limit for working capital requirements are renewed every year. Top SCHEME FOR FINANCING SHEEP/GOAT BREEDING/REARING ACTIVITIES: PURPOSE: Financial assistance is considered for Purchase of sheep/goat of recognized breed for the purpose of breeding and/or rearing them for wool, meat and milk production, construction of sheds for sheep/goat, if considered necessary, and also for purchase of equipments/tools, purchase of concentrate feed, if considered necessary. ELIGIBILITY: Small and marginal farmer(s) and agricultural labourer(s) desirous of undertaking sheep/goat breeding/rearing as subsidiary activity or trained persons desirous of taking up the venture on commercial lines are eligible for financial assistance. EXTENT OF LOAN: Need based. REPAYMENT OF LOAN: Medium Term Loan: Minimum & maximum repayment period, Mode of repayment including gestation (instalments) period Quarterly/ Half-yearly/ 5-6 years Yearly Quarterly/ Half-yearly/ 5-6 years Yearly Working Capital: Working capital loan is to be repaid within maximum period of 1.5 years from the date of advance. If given as cash credit limit, the facilities shall be renewable every year. Top

Activity

Sheep Breeding Goat Rearing

SCHEME FOR FINANCING PIGGERY DEVELOPMENT: PURPOSE: For breeding and/or rearing of pigs. ELIGIBILITY: Farmers/agricultural labourers and individuals desirous of undertaking piggery as subsidiary activity and the persons undertaking such activity on commercial lines as main activity. EXTENT OF LOAN: Need based. REPAYMENT OF LOAN: Production Credit: Working capital loan is to be repaid in a maximum period of one and half years from the date of advance. Investment Credit: Repayment of the medium term loan is to be made in yearly instalments within a period of 5-6 years including gestation period. Top SCHEME FOR FINANCING PURCHASE OF ANIMAL DRAWN VEHICLES i.e. CARTS AND DRAFT ANIMALS: PURPOSE: Loan is given for purchase of draft animals, animal drawn carts for transport of agriculture inputs & farm produce and other such purposes. ELIGIBILITY: Farmers owning minimum 2 acres of land; farmers having perpetual right of cultivation of minimum 2 acres of land. Persons belonging to category of `Landless agriculture labour’ are also financed for purchase of animals and carts for providing selfemployment. EXTENT OF LOAN: Need based. REPAYMENT OF LOAN: Repayment period is fixed through Monthly/ Quarterly/ Half-yearly intervals as under: Assets Created Bullocks only He buffaloes & drawn carts (Jhota Buggies) Camels only Repayment Period 4 years 4-5 years 5 years

Bullocks & carts Animal drawn carts only Camels & carts

5-7 years 5-7 years 5-7 years Top

SCHEME FOR FINANCING APICULTURE (BEE-KEEPING): PURPOSE: Financial assistance is made available for meeting: Fixed cost such as Construction of honey houses; purchase of colonies; purchase of equipments like bee-boxes, honey extractors, smokers & bee veil, bee knife, hive tool, queen gate, feeder, solar wax extractor, plastic drums for storing honey, sting proof rubber gloves, etc. Recurring Costs such as purchase of foundation sheets, sugar, medicines, gloves, etc. ELIGIBILITY: Small and marginal farmer(s)/ agricultural labourer(s) who are trained in bee keeping and individuals/Association of persons/Companies who possess adequate experience in bee-keeping and are desirous of taking up bee-keeping activity on commercial basis. EXTENT & NATURE OF LOAN: Need based term loan. Provision for initial recurring costs also forms an integral part of term loan only. REPAYMENT OF LOAN: Maximum 5 years including gestation period. Top SCHEME FOR FINANCING KITCHEN GARDENING: PURPOSE: Loan is given for initial expenditure on fencing, purchase of inputs like seeds, fertilizers, plant protection chemicals, Land development, Small gardening equipments. ELIGIBILITY: Applicant be employed in a Government/SemiGovernment unit or in a Co-operative/Private Sector Organization of repute. However, he/she should not be working as an ad-hoc employee; Professional and self-employed person having previous dealings with the financing branch; Pensioner of Central/State Government or other Government Undertakings and should be having pension account with financing branch; Wives of employees of Government/Semi Government bodies and other organizations as aforesaid are also

eligible provided loan for the purpose has not been raised by their husbands; Staff members are also eligible provided they have sufficient space to undertake such activities; Applicant must have vacant land in/around residential house with right to use such land; He/she should have a deposit account with bank for at least six months; The applicant should have adequate income for repayment of loan. NATURE & EXTENT OF LOAN: Short term loan upto Rs.5000/-. REPAYMENT OF LOAN: One year. Top SCHEME FOR FINANCING GREEN HOUSES: PURPOSE: Construction of green houses, purchase of equipments/machinery/inputs and other requirements including post harvest operations and marketing. ELIGIBILITY: Progressive farmers who own required agricultural land, having some experience/training in green houses and are following modern Agricultural technologies. NATURE & EXTENT OF LOAN: Need based. Medium term loan for construction of green house, purchase of equipments, machineries etc. Short term loan for purchase of inputs, labor and post harvest operations may be given under bank's KCC scheme. REPAYMENT OF LOAN: 5-7 years. For short term credit, repayment period may be of one year or as per KCC scheme.. Top PNB KALYANI CARD SCHEME : PURPOSE: For meeting working capital requirement of agriculture/allied agricultural activities/ non-farm activities. ELIGIBILITY:Literate/illiterate women dwelling in rural/semi-urban areas who have attained the age of majority shall be eligible under the scheme. NATURE & EXTENT OF LOAN: Cash Credit. Rs. 50000

REPAYMENT OF LOAN: 12 months Top PNB GENERAL CREDIT CARD(GCC): PURPOSE: To provide hassle-free credit to bank's customers based on the assessment of cash flow without insistence on security, purpose or end-use of the credit. This is given as cash-credit with limit no end-use stipulation. ELIGIBILITY:Bank's individual customers with sources of adequate income in rural and semi-urban areas. NATURE & EXTENT OF LOAN: Maximum Rs.25000. REPAYMENT OF LOAN: GCC limit shall be repayable in 12 months with the following stipulations: Aggregate credits into the account during 12 months period should atleast be equal to the maximum outstanding in the account. No drawal in the account should remain outstanding for more than 12 months Top PNB KRISHAK SATHI SCHEME (KSS): PURPOSE:Providing finance to the farmers to redeem their outstanding dues to moneylenders. ELIGIBILITY:All farmers including small & marginal farmers, tenant farmers, oral lessees, sharecroppers NATURE & EXTENT OF LOAN: Maximum Rs 50000 REPAYMENT OF LOAN: The loan shall be repaid by the farmers in 5-7 years including a maximum moratorium period of 12 months with a half-yearly/yearly installments

MARGIN NORMS FOR AGRICULTURE ADVANCES: (a) For production and/or Investment Credit: Amount of loan Upto Rs.50,000/Above Rs.50,000/- to Rs.2 lakh Margin Nil 5%

Above Rs.2 lakh to Rs.5 lakh

10%

Above Rs.5 lakh

25%

b) Under PNB Krishi Card Scheme and PNB Kisan Sampurna Yojana : Amount of loan Upto Rs.2 lakh Above Rs.2 lakh to Rs.5 lakh Above Rs.5 lakh to Rs.10 lakh Margin Nil 10% 25%

(c) Under the Scheme of Agri-Clinics/Agri-Business Centres : Amount of loan Upto Rs Margin

Finance for Women (Including Housewives)

PNB enables housewives and other ladies to supplement family incomes and to use their spare time profitably through this scheme by taking up projects as artisans, or under village and cottage industries, SSI, small business and retail trade. Industrial projects requiring higher assistance may also be considered under the scheme of financing small-scale industries. Eligibility Any Woman/Housewife, 18 years of age and above, living at a place for more than 6 months, who has not been a member of any industrial co-operative society and not indebted to any cooperative or state agency. Amount of loan Need based, subject to ceiling of Rs.25,000/- per borrower for purchase of machinery/equipment etc. and meeting working capital requirement of one operating cycle. Margin: Nil Security Pledge/hypothecation/mortgage of assets created out of bank loan. No collateral security/3rd party guarantee is required. Rate of Interest 11.50% p.a (PTLR)* * This is subject to change from time to time. Insuranc e Generally speaking, insurance against fire, theft, burglary and/or any other special risk to safeguard the bank's interest in the light of circumstances prevailing and depending upon the nature of securities/the premises in which the security is/will be lying with bank clause, will be taken and kept in force. and also on the bank record. Repayment The term loan/composite term loan will be adjusted along with interest in 36 monthly installments starting 3 to 6 months from the date of availment depending upon generation of surplus. The borrower will be required to open a savings fund account with the bank in which she must deposit once every fortnight net income after spending such amount out of it as needed for meeting the working/living expenses. She shall also undertake to maintain such balance in her savings fund account at the end of each month as would enable the bank to debit the said

account with monthly installment towards adjustment of the loan. Disbursemen t The amount of loan for purchase of equipment shall be paid directly to the supplier. Advances against raw material will be made either in the form of pay order in favour of the supplier or on the presentation of bill to the bank indicating that the material has been delivered to the borrower. In respect of requirements of petty items, cost not exceeding Rs.800/- per item, the amount may be released either to the borrower or to the supplier as convenient in cash up to Rs.3000/- for purchase of tools, equipment and raw materials on merits without insisting for performa bills, cash-memo(s) etc.

Mahila Udyam Nidhi Scheme

This scheme aims to provide soft loan (Quasi equity) assistance to women entrepreneurs besides usual term loans for setting up industrial units in the small scale and tiny sector, as also for undertaking service activities eligible for assistance under the SIDBI refinance scheme. Eligibility New projects in tiny and small-scale sectors for manufacture, preservation or processing of goods (Tiny enterprises would include all industrial units and services industries (except Road Transport Operators) satisfying the investment ceiling. Existing tiny and small scale industrial units and service enterprises as mentioned above (including those which have availed of this loan earlier) for undertaking expansion, modernisation, technology upgradation and diversification. Sick units in the tiny and small-scale sectors including service enterprises as mentioned above, which are considered potentially viable. All industrial activities and service activities (except Road Transport Operators) in the SSI sector. Projects which avail of any margin money or seed/special capital assistance under the schemes of Central/State Governments, State Financial Corporation and other state level institutions or banks (except State investment subsidy) are not eligible for assistance under the scheme.

Project Outlay Project cost (including margin money for working capital) should not exceed Rs.10.00 lakh in case of new projects. In the case of existing units and service enterprises, the outlay on expansion/modernisation/technology upgradation, or diversification or rehabilitation should not exceed Rs.10.00 lakh per project. Amount of soft loan Soft loan up to 25% of the project cost with a ceiling of Rs.2.50 lakh per project to meet the gap in equity as per prescribed Debt Equity Ratio (DER) of 1.857:1 (excluding State subsidy which may be retained for meeting working capital) after taking into account the promotors' own contribution equivalent to 10% of the project cost. In addition, term loan may be sanctioned as per usual norms under Refinance Scheme of SIDBI. Security Hypothecation of the articles purchased. 3rd party guarantee acceptable to the bank. No security including collateral security will be insisted upon from borrowers in respect of soft loan. Rate of Interest Soft loan: Only service charge @ 1% p.a. is payable, which may be retained by lending office. Term Loan: As per interest rates advised from time to time or structure under Refinance Scheme as fixed by SIDBI from time to time, in case refinance has been availed. For such prevailing rates, the concerned branch may be contacted.

Repayment Soft loan is repayable within 10 years (inclusive of initial moratorium period of not more than five years). However, the period of repayment of soft loan will be co-terminus with that of term loan. Extent of Refinance/Reimbursement of the Soft Loan Term Loan: As provided under the Refinance Scheme. Soft Loan: Soft Loan is reimbursed to the extent of 100%.

Disbursement Soft loan is to be released in accordance with terms and conditions of sanction thereof and after the promoter(s) has (have) brought in her (their) own contribution in full. Bank has to act as agent of SIDBI for sanction, disbursement and recovery of soft loan.

PROFILE
With over 38 million satisfied customers and 4668 offices, PNB has continued to retain its leadership position among the nationalized banks. The bank enjoys strong fundamentals, large franchise value and good brand image. Besides being ranked as one of India's top service brands, PNB has remained fully committed to its guiding principles of sound and prudent banking. Apart from offering banking products, the bank has also entered the credit card & debit card business; bullion business; life and non-life insurance business; Gold coins & asset management business, etc. Since its humble beginning in 1895 with the distinction of being the first Indian bank to have been started with Indian capital, PNB has achieved significant growth in business which at the end of March 2009 amounted to Rs 3,64,463 crore. Today, with assets of more than Rs 2,46,900 crore, PNB is ranked as the 3rd largest bank in the country (after SBI and ICICI Bank) and has the 2nd largest network of branches (4668 including 238 extension counters and 3 overseas offices).During the FY 2008-09, with 39% share of low cost deposits, the bank achieved a net profit of Rs 3,091 crore, maintaining its number ONE position amongst nationalized banks. Bank has a strong capital base with capital adequacy ratio as per Basel II at 14.03% with Tier I and Tier II capital ratio at 8.98% and 5.05% respectively as on March’09. As on March’09, the Bank has the Gross and Net NPA ratio of only 1.77% and 0.17% respectively. During the FY 2008-09, its’ ratio of priority sector credit to adjusted net bank credit at 41.53% & agriculture credit to adjusted net bank credit at 19.72% was also higher than the respective national goals of 40% & 18%. PNB has always looked at technology as a key facilitator to provide better customer service and ensured that its ‘IT strategy’ follows the ‘Business strategy’ so as to arrive at “Best Fit”. The bank has made rapid strides in this direction. Alongwith the achievement of 100% branch computerization, one of the major achievements of the Bank is covering all the branches of the Bank under Core Banking Solution (CBS), thus covering 100% of it’s business and providing ‘Anytime Anywhere’ banking facility to all customers including customers of more than 2000 rural branches. The bank has also been offering Internet banking services to the customers of CBS branches like booking of tickets, payment of bills of utilities, purchase of airline tickets etc.Towards developing a cost effective alternative channels of delivery, the bank with more than 2150 ATMs has the largest ATM network amongst Nationalised Banks. With the help of advanced technology, the Bank has been a frontrunner in the industry so far as the initiatives for Financial Inclusion is concerned. With it’s policy of inclusive growth in the Indo-Gangetic belt, the Bank’s mission is “Banking for Unbanked”. The Bank has launched a drive for biometric smart card based technology enabled Financial Inclusion with the help of Business Correspondents/Business Facilitators (BC/BF) so as to

reach out to the last mile customer. The BC/BF will address the outreach issue while technology will provide cost effective and transparent services. The Bank has started several innovative initiatives for marginal groups like rickshaw pullers, vegetable vendors, diary farmers, construction workers, etc. The Bank has already achieved 100% financial inclusion in 21,408 villages. Backed by strong domestic performance, the bank is planning to realize its global aspirations. In order to increase its international presence, the Bank continues its selective foray in international markets with presence in Hongkong, Dubai, Kazakhstan, UK, Shanghai, Singapore, Kabul and Norway. A second branch in Hongkong at Kowloon was opened in the first week of April’09. Bank is also in the process of establishing its presence in China, Bhutan, DIFC Dubai, Canada and Singapore. The bank also has a joint venture with Everest Bank Ltd. (EBL), Nepal. Under the long term vision, Bank proposes to start its operation in Fiji Island, Australia and Indonesia. Bank continues with its goal to become a household brand with global expertise. Amongst Top 1000 Banks in the World, ‘The Banker’ listed PNB at 250th place. Further, PNB is at the 1166th position among 48 Indian firms making it to a list of the world’s biggest companies compiled by the US magazine ‘Forbes’. Financial Performance: Punjab National Bank continues to maintain its frontline position in the Indian banking industry. In particular, the bank has retained its NUMBER ONE position among the nationalized banks in terms of number of branches, Deposit, Advances, total Business, operating and net profit in the year 2008-09. The impressive operational and financial performance has been brought about by Bank’s focus on customer based business with thrust on SME, Agriculture, more inclusive approach to banking; better asset liability management; improved margin management, thrust on recovery and increased efficiency in core operations of the Bank. The performance highlights of the bank in terms of business and profit are shown below:

Parameters Mar'07 Mar'08 Operating Profit* 3617 4006 Net Profit* 1540 2049 Deposit Advance Total Business (Rs.Crores) 139860 166457 96597 119502 236456 285959

Mar'09 CRAR 5744 26.02 3091 41.67 209760 22.47 154703 26.55 364463 24.15

* Respective figure for the corresponding financial year

AN OPPORTUNITY TO ACHIEVE YOUR FINANCIAL GOALS

In an endeavor to enlarge the range of services available to our customers, PNB has been distributing the products of Principal PNB Asset Management Company Pvt. Ltd. from its designated branches, since July, 2004. To provide variety of Mutual Fund Products to its customers, Now the Bank has also started the Distribution & Marketing of UTI Mutual Fund Products. . In recent times Mutual funds have gained rapid popularity as a good investment vehicle and public at large is attracted towards MF investment, which has variety of schemes and income options offered by Mutual Funds which can suit the financial preferences of all classes of investors, be it Retail, Corporate or Institutional. The following benefits, intrinsic to investments in Mutual Funds have inspired greater confidence amongst the investors :Transparency Efficient Performance Liquidity Convenience

Tax benefits Range of schemes: Mutual Funds offer schemes keeping in view the risk profile and risk-return preferences of investors. For an aggressive investor with appetite for risk, Equity oriented schemes are available which have a higher potential for capital appreciation. For a conservative investor with expectations of stable returns and low risk, Income Schemes are available. To suit various type of requirements of the investors, some of the schemes of Principal PNB AMC & UTI AMC are as under: PRINCIPAL PNB AMC: Principal Growth Scheme: Open-ended equity fund with an investment portfolio of stocks diversified across different sectors of the economy. Principal balanced Fund: Open ended fund with an equity (diversified) component of 51% to 70% and Debt component (including Money Market) 30% to 49%. Principal Income Fund: Open-ended fund with up to 100% investment in Debt instruments (including Money Market instruments and securitized debt) Principal Income Fund – Short Term Plan: The scheme is meant for investors seeking stable returns over shorter-term investment horizons compared to the Principal Income Fund. Principal Cash management Fund: An Open-ended fund that invests 100% of its corpus in Money Market instruments and seeks to provide an excellent avenue to park very short term cash surpluses and earn returns linked to the call money market rates. Principal Index Fund: An Open-ended fund that tracks S&P CNX Nifty (NSE) closely. The aim of the fund is to provide its investors returns commensurate with the Nifty. Principal Large Cap Fund: An open-ended scheme to invest in the stocks of the companies having a large market capitalization. The fund is suitable for investors interested in long term capital appreciation.

Principal Child Benefit Fund The scheme is suitable for an investor seeking long-term growth and accumulation of capital for the beneficiary. The objective of the scheme is to generate regular returns and/or capital appreciation / accretion with the aim of giving lump sum capital growth at the end of the chosen target period or otherwise to the Beneficiary. Principal Global Opportunities Fund It is an open-ended growth fund. The fund is suitable for investors who would like to diversify investments into other markets / securities by taking advantage of the potential growth in the global markets and thereby reduce the risk of having a portfolio predominantly invested in India. The investment objective of the scheme is to build a high quality. International Equity portfolio out of the permissible investments as defined and permitted under the regulations from time to time and provide returns and/or capital appreciation along with regular liquidity to the investors. Principal Infrastructure & Service Sector Fund: An open-ended Equity Scheme with an objective to provide capital appreciation and income distribution by investing predominantly in Equity/Equity related instruments of Infrastructure & Service Sector companies.. Principal Tax Savings Fund: An open-ended Equity linked savings scheme suitable for investors seeking income tax deductions under section 80C(2) of Income Tax Act along with long-term equity-market returns from investment in equities. Principal Personal Tax Saver Fund: The scheme is suitable for investors seeking income tax deductions under section 80C(2) of ITA along with long term equity-market returns from investment in equities. Principal Monthly Income Plan: An open-ended income scheme having periodical distribution with no assured monthly returns. MIP attempts to provide income on a monthly basis and is, therefore, particularly suited for investors seeking regular source of income. (For more details please read the Offer form or visit official site of AMC www.principalindia.com and Toll Free no. 1800 22 5600 ) UTI MUTUAL FUND:

UTI Infrastructure Fund: (Formerly known as UTI-BASIC INDUSTRIES FUND) An open ended equity fund with the objective to provide Capital appreciation through investing in the stocks of the companies engaged in the sectors like Metals, Building Materials, Oil & Gas, Power, Chemicals, Engg. etc. UTI Mid Cap Fund : An open ended equity fund with the objective to provide ‘Capital appreciation’ by investing primarily in Mid Cap stocks. UTI Large Cap Fund: An open ended equity Fund with the objective to provide capital appreciation through investment in top 50 companies in terms of market capitalization. UTI Services Sector Fund: An open-ended fund which invests in the equities of the Services Sector companies of the country. One of the growth sector funds aiming to provide growth of capital over a period of time as well as to make income distribution by investing the funds in stocks of companies engaged in service sector such as banking, finance, insurance, education, training, telecom, travel, entertainment, hotels, etc. UTI Leadership Equity Fund: The scheme seeks to generate capital appreciation and / or income distribution by investing the funds in stocks that are “Leader” in their respective industries /sectors / sub-sector. UTI Dividend Yield Fund: An open-ended equity scheme. It aims to provide medium to long term capital gains and/or dividend distribution by investing predominantly in equity and equity related instruments which offer high dividend yield. UTI Index Select Fund: An open-ended equity fund with the objective to invest in select stocks of the BSE Sensex and the S&P CNX Nifty. The fund does not replicate any of the indices but aims to attain performance better than the performance of the indices. UTI Equity Fund: UTI Equity Fund is open-ended equity scheme with an objective of investing at least 80% of its funds in equity and equity related instrument with medium to high risk profile and upto 20% in debt and money market

instruments with low to medium risk profile. UTI Children’s Career Plan (Balanced): An open-ended debt oriented fund with investment in Debt/G-sec of minimum 60% and a maximum of 40% in Equity. Investment can be made in the name of the children upto the age of 15 years so as to provide them, after they attain the age of 18 years, a means to receive scholarship to meet the cost of higher education and/or to help them in setting up a profession, practice or business or enabling them to set up home or finance the cost of other social obligation. For more details please visit official site of UTI Mutual fund www.utimf.com or Toll Free no. 1800 22 1230 ############# NAV(Net Asset Value) To know the latest NAV (Net Asset Value) the investor can visit the respective site of AMCs i.e. www.principalindia.com OR www.utimf.com OR www.amfiindia.com where NAV of all the Mutual Funds are available. ######## Investments in Mutual Funds have options like Systematic Investment Plans, systematic withdrawal plan, Trigger Option, Automatic Rebalancing, Dividend Payout, Dividend Re-investment, etc that enable you to get the most out of your investment in Mutual Funds. Distribution Reach The distribution services of Mutual Fund products of Principal PNB Mutual Fund & UTI Mutual Fund are available at select branches of all the Zones of PNB across the country. Risk Profile Mutual Fund investments are subject to market risks. Please read the offer document of the scheme/s carefully for details on risk factors

before investment. Punjab National Bank does not guarantee any assured returns for your investments through Mutual Fund. PRINCIPAL PNB MUTUAL FUND UTI MUTUAL FUND

Non Resident (External) Accounts Deposit Scheme (NRE) Non-Resident Indians can open accounts under this scheme. The account should be opened by the non-resident account holder himself and not by the holder of power of attorney in India. Descriptio n NRE accounts can be opened by remittances from abroad in any convertible currency or from transfer of funds from existing NRE/FCNR accounts held by any person with any Bank in India. These accounts can be opened at all branches of Punjab National Bank. Accounts can also be opened during temporary visits of NRIs to India against tender of foreign currency traveller cheques/notes and coins. The remittance received in foreign currency for opening of NRE accounts will be converted into Indian rupees at the prevailing exchange rates. These accounts can be maintained under Savings/Current/Recurring and Term Deposit Schemes. Term Deposits can be accepted for a minimum period of 1 year and maximum period of 5 years.

Advantages Principal alongwith interest freely repatriable in the currency of your choice The deposit amount will be converted into foreign currency at the prevailing rates at the time of remittance. Loans/overdrafts in rupees can be availed by NRI depositors or 3rd parties against the security of term deposits. However, loans in foreign currency against NRE term deposits in India can be availed through our correspondent Banks Income from interest on balances held in these accounts is exempt from Income Tax. Balances held in such accounts are also exempt from Wealth Tax. Gifts made to close resident relatives are free from Gift Tax Facility for automatic renewal of deposits on maturity and safe custody of Deposit Receipt is also available ADDITIONAL CONCESSIONS OFFERED UNDER PNB GLOBAL RUPEE DEPOSIT SCHEME All account holders maintaining minimum deposit of Rs.250000 will be eligible for following concessions in various facilities being offered by the bank: a. Free remittance up to Rs.1 lac per annum from his account to anywhere in India, subject to recovery of out of pocket expenses. b. No collection charges on any instrument collected in account holder’s account, up to Rs.1 lac per annum, from anywhere in India subject to recovery of out of pocket expenses. c. Depository services: 50% concessions on service charges of our bank till the deposits remain with the bank. d.Free multicity chequebook for CBS branch customers. e. Free Lockers facility for the customers maintaining a minimum balance of Rs.500000. f. No Inter-branch (Intersol) transaction charges for banking transactions, by the account holders, in the CBS branches g. Free Internet Banking facility.

h. Bank will bear foreign bank charges on transfer of funds to our Nostro Accounts subject to minimum deposit of Rs.500000. i. Facility of automatic renewal of Fixed Deposits on maturity. j. Linkage with saving account for family at home by allowing overdraft by marking lien in their FCNR account. Interest rates on NRE Deposits Account opening form for Non-Residents Indians (Single and Joint) Saving Fund/Current Account/ Fixed Deposits

Ordinary Non-Resident Accounts (NRO) Upon becoming non-resident individuals, existing resident accounts are classified as NRO accounts. These accounts can be opened by Non-Resident Indians (NRIs) viz. nonresident persons of Indian origin or nationality (other than nationals of Pakistan and Bangladesh). These accounts can be opened in Indian Rupees in the shape of current/savings/fixed deposits. They can be opened jointly with residents with the facility of nomination. All legitimate dues in rupees (which include local credits also) and proceeds of foreign remittances can be credited to these accounts. The funds held in the NRO accounts can be used for all local payments. Interest rates applicable thereon are same as on resident accounts. These accounts are subject to deduction of tax by the bank as per Income-Tax rules. Funds held in NRO accounts can be repatriated abroad upto USD 1 million financial year on account of Education, medical and sale proceeds of immovable property/assets, subject to certain conditions as stipulated by

Reserve Bank of India.

PNB Global Foreign Currency Deposit Scheme Foreign Currency Non-Resident (Banks)Accounts - "FCNR" Non-Resident Indians can open accounts under this scheme. The account should be opened by the non-resident account holder himself and not by the holder of power of attorney in India. These deposits can be maintained in 5 designated currencies i.e. U.S. Dollar (USD), Pound Sterling (GBP) and Euro, Australian Dollar (AUD) & Canadian Dollar (CAD). These accounts can only be maintained in the form of terms deposits for maturities of minimum 1 year to maximum 5 years. These deposits can be opened with funds remitted from abroad in convertible foreign currency through normal banking channel, which are of repatriable nature in terms of general or special permission granted by Reserve Bank of India. These accounts can be maintained with our branches, which are authorised for handling foreign exchange business. (List of branches authorised for handling foreign exchange business linked at the end). Funds for opening accounts under PNB Global Foreign Currency Deposit Scheme or for credit to such accounts should be received from: - Remittance from outside India or Traveller Cheques/Currency Notes tendered on visit to India. International Postal Orders cannot

be accepted for opening or credit to FCNR accounts . Transfer of funds from existing NRE/FCNR accounts. If remittance is received in any currency other than USD, GBP, Euro, AUD & CAD, it will be converted into one of the designated currencies of remitter’s choice at the risk & cost of the depositor. Rupee balances in the existing NRE accounts can also be converted into one of the designated currencies at the prevailing TT selling rate of that currency for opening of account or for credit to such accounts. Advantages of FCNR (B) Deposits - Principal alongwith interest freely repatriable in the currency of your choice. - No Exchange Risk as the deposit is maintained in foreign currency. - Loans/overdrafts in rupees can be availed by NRI depositors or 3rd parties against the security of these deposits. However, loans in foreign currency against FCNR (B) deposits in India can be availed outside India through our correspondent Banks. - No Wealth Tax & Income Tax is applicable on these deposits. - Gifts made to close resident relatives are free from Gift Tax. - Facility for automatic renewal of deposits on maturity and safe custody of Deposit Receipt is also available. Payment of Interest Interest on FCNR (B) deposits is being paid on the basis of 360 days to a year. However, depositor is eligible to earn interest applicable for a period of one year if the deposit has completed a period of 365 days. For deposits upto one year, interest at the applicable rate will be paid without any compounding effect. In respect of deposits for more than one year, interest can be paid at intervals of 180 days each and thereafter for remaining actual number of days. However, depositor will have the option to receive the interest on maturity with compounding effect in case of deposits of over one year. Additional Concessions offered under PNB Global Foreign Currency Deposit Scheme All account holders maintaining minimum deposit of USD 5000 or its equivalent will be eligible for following concessions in various

facilities being offered by the bank: a. Free remittance up to Rs.1 lac per annum from his account to anywhere in India, subject to recovery of out of pocket expenses. b. No collection charges on any instrument collected in account holder’s account, up to Rs.1 lac per annum, from anywhere in India subject to recovery of out of pocket expenses. c. Depository services: 50% concessions on service charges of our bank till the deposits remain with the bank. d. Free multicity chequebook for CBS branch customers. e. Free Lockers facility for the customers maintaining a minimum balance of $ 10000 or its equivalent. f. No Inter-branch (Intersol) transaction charges for banking transactions, by the account holders, in the CBS branches.i. Free Internet Banking facility. g. Bank will bear foreign bank charges on transfer of funds to our Nostro Accounts subject to minimum deposit of USD 10000 or its equivalent. h. Facility of automatic renewal of Fixed Deposits on maturity. i. Linkage with saving account for family at home by allowing overdraft by marking lien in their FCNR account. List of branches authorised for handling foreign exchange business Interest rates on FCNR (B) Deposits

Resident Foreign Currency Account (RFCA)

A person resident in India can open, hold and maintain a Resident Foreign Currency (RFC) Account, out of foreign exchange: -

(a) received as pension or any other superannuation or other monetary benefits from his employer outside India; or (b) realised on conversion of assets which were acquired, held or owned by such person when he was resident outside India. (c) received or acquired as gift or inheritance from a person who was resident outside India. (d) acquired or received before the 8th day of July, 1947 or any income arising or accruing thereon which is held outside India by any person or acquired as gift or inheritance therefrom. The funds held in these accounts shall be free from all restrictions regarding utilisation of foreign currency balances including any restriction on investment in any form, by whatever name called, outside India. These deposits can be maintained under Savings, Current and Term Deposits. Term Deposits can be accepted for a minimum period of 1 month to maximum period of 5 years. These accounts can be opened at all branches of Punjab National Bank, which are authorised for handling foreign exchange business. Interest rates on RFC Accounts

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