• I designed a PowerPoint presentation about banking loan

SUMMARY schemes to be presented to officers of the bank

• I applied a modern block and bold design.
• I used the maroon and yellow color from the company logo as
the color theme.
• I used Calibri a modern style font.
• I added copyright free images and icons that related to the
slide topics.

Thank you and good luck on your presentation.

Designed by Experts Amazing presentations powered by top

experts
aka.ms/ExpertsforPowerPoint Invite code: FreeDesign
*Limitations apply
PNB PERSONAL
LOAN SCHEME-
PNB SAHYOG
COVID 19

Nishesh Kumar(Sr. Faculty) PNB

STC-1 Lucknow
What is PNB SAHYOG COVID-19
In light of the Coronavirus outbreak, and to provide relief to our
existing customers affected due to said pandemic, Bank had
launched “PNB Personal Loan Scheme-PNB Sahyog COVID
19”, a personal loan for our customers to meet their emergent
consumption or medical needs.
ELIGIBILITY

All Salaried Confirmed/permanent employees of

Central/State Govt./PSUs and all reputed*
companies/Institutions including Schools, Colleges,
Universities, autonomous bodies, Hospitals/Nursing
Homes, who are drawing their salary through accounts
maintained with our branches.
*Any Company/Institution is to be termed as reputed
company/institution only with the approval of Circle
Head concerned taking into account the financial
strength of the Company/Institution.
SALIENT FEATURES
PURPOSE: For Personal Needs (i.e consumption or medical expenses)
NATURE OF LOAN: Term Loan
SCHEME CODE: TLPDG; Purpose of Advance Code - COVID
LOAN AMOUNT

For Salaried: Three times of the average of

last 6 months salary credited in the account.
(Salary to be verified from Statement of
account) Maximum of Rs.3 Lakh.
Note: Maximum ceiling of Loan amount per
borrower under the Personal Loan Scheme is
Rs.10.00 lakh (Rs. 15.00 lakh in case of
Doctors). Including loan under “PNB Personal
Loan – PNB Sahyog COVID19” scheme.
 TENURE, RATE OF INTEREST &
MARGIN
TENURE

• Maximum 36 months or Repayment to be ensured up to Maximum

60 years of age of the borrower.
• CH can relax tenure up to 48 months and upto 65 years of age of the
borrower.

RATE OF INTEREST: RLLR + 2.00%

INTEREST TABLE CODE: PCVD2

 INCOME & REPAYMENT CAPACITY
Minimum take home after all deductions including proposed
Personal Loan has been stipulated as :
i. Rs. 15000.00 in Metro/ Urban centre.
ii. Rs. 10000.00 in Semi Urban/ Rural centre

Gross Monthly Salary/Income Maximum Permissible Deduction

Up to Rs.50000.00 55%

Above Rs. 50000.00 65%

DOCUMENTS REQUIRED
• Application form (As per RBD(A) Circular 39/2020)
• Term Loan Agreement
• Agreement of Guarantee.
• Irrevocable Letter of Authority from borrower authorizing the
employer to remit salary/installment and other amount payable to
the Bank cum letter of acknowledgement from employer–Form
-PNB 1134
• NOTE: However, requirement of PNB 1134 may be waived in
case the prospective borrower is a permanent employees of
Central Govt./ State Govt./ PSUs/ MNCs/ Listed Companies at
BSE or NSE (whose Shares are actively traded and quoted above
par) & is maintain his salary account with us from the last 12
months. In such cases, an undertaking from the customer to be
obtained that he/she will not transfer his/her Salary account to
other bank during the currency of the loan.
DOCUMENTS REQUIRED
• In case of defense personnel, their service No. and a copy of
Identity card issued by the employer (duly verified by BM from
the original) to be obtained/maintained.
• Affidavit declaring (a) details of existing borrowings from PNB &
other financial institutions; and (b) that no further loan will be
raised either from PNB or any other bank/FIs/NBFCs under the
same/similar scheme till full repayment of personal loan from
PNB.
PNB Personal Loan for Pensioners–
PNB Aabhar Rin COVID19
ELIGIBILITY, PURPOSE AND NATURE

ELIGIBILITY: All types of pensioners drawing pension

through our branches.

PURPOSE: For Personal Needs including medical

expenses.

NATURE OF LOAN: Term Loan

LOAN AMOUNT

• Maximum of Rs.2 • Note: Maximum ceiling

Lakh. of Loan amount per
borrower under the PNB
OR Aabhar Rin COVID 19
• Three times of the is:
average of last 6 • Rs.10.00 lakh (For
months pension age upto 70 yrs) ,Rs.
credited in the 7.50 lakh (for age
account. (Pension to Above 70 years and
be verified from upto 75 Years)
Statement of including the existing
account) pension loan(if any)
& it be ensured that
pension loan be
repaid before
attaining the age of 75
years.
 TENURE, RATE OF INTEREST &
MARGIN
TENURE

• Maximum 36 months ( if already having a pension loan)

• Maximum 60 months (new applicant)

RATE OF INTEREST: RLLR + 2.00%

INTEREST TABLE CODE: PCVD2

Margin: NIL
 MINIMUM TAKE HOME PENSION

Maximum Permissible
Gross Monthly Pension
Deduction

Up to Rs.30000.00 50%

Above Rs. 30000.00 60%

DOCUMENTS REQUIRED
• Application form (As per RBD(A) Circular 41/2020)
• Term Loan Agreement
• Agreement of Guarantee.
• Letter of Authority:(Appendix-III of RBD(A) circular 26/2020)
• Letter of authority (DPDO pensioners)- ANNEXURE – IV of
RBD(A) circular 26/2020
THANK YOU