Term LoanFor capital expenditure purpose like construction, purchase of machinery, acquisition of other fixed assets and Built up unit purchase.
Cash credit/Overdraft limit: To meet the working capital requirements
Non Fund based limit (Bank Guarantee & Letter of Credit)
Stand by Line of Credit: To meet the temporary liquidity mismatch
Eligibility:
All MSME units owned and managed by the Female Proprietor/Partner/director is eligible under the scheme. In case of partnership firm/company, majority (at least 51%) of partners/Directors should be women. Units should have in place all necessary approvals/NOC from respective authorities.
Note: Trust/associations/Societies, HUF/HUF as proprietor/partner are not eligible
Nature of Loan
Cash credit/Overdraft limit / Term Loan/ Non-fund (LC/BG)/ Stand by Line of Credit
Working Capital Facilities:- Cash Credit (Hyp. of Stock and Book Debts) -25% Pledge of Stocks -15%, OD against Property -25% of Realizable Value of the property, Non-Fund Based(Cash Margin)/Packing Credit/Post Shipment -10%.
Term Loan: - Plant & Machinery/ Purchase Factory /Commercial Building/ Construction of Factory/Commercial Unit -25%
Guarantee
Personal guarantee of immovable property owner offered as security. Proprietorship concerns: Wife/major son(s), Firm/Companies: Guarantee of Partners/ Directors is mandatory. In case of CGTMSE coverage is available: As per extant guidelines for CGTMSE
ROI
Rate of Interest shall be linked to EBLR as applicable to MSMEs and based on Internal Risk Rating (IRR) of the borrower.
Tenure of Loan:
Working Capital: One year (repayable on demand), subject to annual renewal/review
Term Loan: Maximum repayment period upto 10 years including moratorium period of maximum of 12 months. However, interest shall be serviced as and when charged
Note: Sanctioning authority may allow repayment period upto 15 years including moratorium period of maximum of 12 months based on merits of cases.
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A New Internet Banking and Mobile Banking Solution - PSB UnIC for Retail Customers including NRE/NRO and PSB UnIC Biz for Sole Proprietor customers and Corporate Customers has been rolled out successfully by the Bank bringing UPI, IMPS, NEFT, RTGS and many more banking services under one platform.
Please note that our customers have already been notified that the old Internet Banking Portal of the Bank will be pulled down by 28.02.2022. The Funds Transfer services were blocked for Retail Internet Banking Customers since 09.01.2022. However, our old Internet Banking Portal was running parallelly for the last few days for the benefit of old Retail and Corporate Internet Banking Customers. It has now been decided that the Old Internet Banking will be pulled down on midnight of 21.03.2022. Bill Payments and Tax Payments ( OLTAS and GST) can be done through PSB UnIC digital platform. Bill Payment services are moved to PSB UnIC from 16.03.2022 onwards and the OLTAS functionality will be live from 18.03.2022 through PSB UnIC.
Our existing old Internet Banking customers ( Retail and Sole Propriership) who are yet to register in PSB UnIC are requested to make a onetime registration by visiting our website: https://punjabandsind.bank.in/ and by clicking on PSB UnIC and choosing appropriate Option as follows:
And submit the duly signed application form along with required documents Viz. Board Resolution / Partnership Letter with Deed / Trust, Society, Club Resolution Letter/ HUF Letter etc. and also the KYC documents of the Authorised Users immediately to the parent Branch.
These corporate customers will be sent a registration kit through email after submission of the above documents. By Using the credentials in the mail, the corporate customers are requested to register by following the instructions contained in the email and start availing the benefit of PSB UnIC Biz services.
General Manager-IT,
Punjab & Sind Bank
Internet Banking
Dear customers,
A New Internet Banking and Mobile Banking Solution - PSB UnIC for Retail Customers including NRE/NRO and PSB UnIC Biz for Sole Proprietor customers and Corporate Customers has been rolled out successfully by the Bank bringing UPI, IMPS, NEFT, RTGS and many more banking services under one platform.
Please note that our customers have already been notified that the old Internet Banking Portal of the Bank will be pulled down by 28.02.2022. The Funds Transfer services were blocked for Retail Internet Banking Customers since 09.01.2022. However, our old Internet Banking Portal was running parallelly for the last few days for the benefit of old Retail and Corporate Internet Banking Customers. It has now been decided that the Old Internet Banking will be pulled down on midnight of 21.03.2022. Bill Payments and Tax Payments ( OLTAS and GST) can be done through PSB UnIC digital platform. Bill Payment services are moved to PSB UnIC from 16.03.2022 onwards and the OLTAS functionality will be live from 18.03.2022 through PSB UnIC.
Our existing old Internet Banking customers ( Retail and Sole Propriership) who are yet to register in PSB UnIC are requested to make a onetime registration by visiting our website: https://punjabandsind.bank.in/ and by clicking on PSB UnIC and choosing appropriate Option as follows:
And submit the duly signed application form along with required documents Viz. Board Resolution / Partnership Letter with Deed / Trust, Society, Club Resolution Letter/ HUF Letter etc. and also the KYC documents of the Authorised Users immediately to the parent Branch.
These corporate customers will be sent a registration kit through email after submission of the above documents. By Using the credentials in the mail, the corporate customers are requested to register by following the instructions contained in the email and start availing the benefit of PSB UnIC Biz services.
General Manager-IT,
Punjab & Sind Bank
PSB Diwali English
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