Punjab National Bank Base Rate August

My father is employee of Punjab National and he needs of Punjab National Bank Base Rate August-2012 so if you know then please provide me this information.

As you want to know about the Punjab National Bank Base Rate August so here I am giving you base rate details as below:-

Base Rate: 10.50% w.e.f. 01.05.2012

Contact Details:-
Chief Punjab National Bank
Management Advisory Services Division
7, Bhikaiji Cama Place
New Delhi 110066
Tel: 26102303 Ext = 600 & 429
E-mail: website@pnb.co.in

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Answered By StudyChaCha Member

Can you please give me the base rate of Punjab National Bank August 2013 and the interest rates of different loans and advances?

As you want to get the base rate of Punjab National Bank August 2013 and the interest rates of different loans and advances so here is the information of the same for you:

I want to tell you that base rate tends to change after a fixed period of time and that period is decided by the bank itself and here I am giving you latest base rate of Punjab National Bank and interest rates of different loans and advances:

BASE RATE - 10.25% ( w.e.f from 09.02.2013)

Agricultural Advances:
Particular BPLR System Base Rate System
a) Advances upto Rs. 50,000/-
i) Agricultural production credit BPLR -0.75%
ii) Agri. Term loans BPLR
iii) PNB Kalyani Card BPLR -1.00%
b) Advances over Rs. 50,000/- but upto Rs.2 lakh BPLR
c) Advances over Rs.2 lakh but upto Rs.20 lakh BPLR BR + 2.00%
d) Advances over Rs.20 lakh As per credit risk rating As per credit risk rating

Credit Risk Rating BPLR System Base Rate System
AAA BPLR

AA BPLR + 0.50%
A BPLR + 1.00%
BB BPLR + 1.50% # BR + 2.00%
B BPLR + 2.00% # BR + 5.00% ##
C BPLR + 2.00% # BR + 5.00% ##
D BPLR + 2.00% # BR + 5.00% ##

Micro & Small Enterprises Advances ( MSE) including Trading Advances covered under MSME Act
BPLR System Base Rate System
a) Advances upto Rs. 50,000/-
i) Micro Enterprises BPLR -1.00% BR + 2.00%
ii) Small Entp. BPLR -0.50% BR + 2.50%
b) Advances over Rs. 50,000/- but upto Rs.2 lakh BPLR BR + 3.00%
c) Advances over Rs.2 lakh but upto Rs.20 lakh BPLR BR + 3.00%
d) Advances over Rs.20 lakh As per credit risk rating As per credit risk rating

Credit Risk Rating BPLR System Base Rate System
Above Rs. 20 lakh to less than Rs. 5.00 crore Rs. 5.00 crore to less than Rs. 50.00 crore Rs. 50.00 crore & above
AAA BPLR BR + 3.00% BR + 3.00% BR + 2.25%
AA BPLR + 0.50% BR + 3.50% BR + 3.25% BR + 2.50%
A BPLR + 1.00% BR + 4.00% BR + 3.50% BR + 3.00%
BB BPLR + 1.50% BR + 4.50% BR + 4.25% BR + 3.75%
B BPLR + 2.00% BR + 5.00% BR + 5.00% BR + 4.50%
C BPLR + 2.00% BR + 5.00% BR + 5.00% BR + 5.00%
D BPLR + 2.00% BR + 5.00% BR + 5.00% BR + 5.00%

Advances for construction of Godowns as per FCI/CWC specifications:
Particulars BPLR System Base Rate System
a) Upto Rs. 20 lakh/ exempted from credit risk rating BPLR BR + 3.00%
b) Advances over Rs. 20 lakhs As per credit risk rating As per credit risk rating
AAA BPLR BR + 3.00%
AA BPLR + 0.25% BR + 3.25%
A BPLR + 0.50% BR + 3.50%
BB BPLR + 0.75% BR + 3.75%
B BPLR + 1.00% BR + 4.00%
C BPLR + 1.50% BR + 4.50%
D BPLR + 2.00% BR + 5.00%

Advances under Self Help Group Scheme (SHGs):
Particulars BPLR System Particulars Base Rate System #
A) Upto Rs.50,000/- BPLR minus 0.75% Loans UPTO Rs. 3 Lacs BR + 2.00%
A i) Micro entp. (upto 50000/-) BPLR minus 1.00% *
B) Over Rs.50,000/- & Upto Rs. 2 lakh BPLR minus 0.25%
B i) Micro entp.over Rs.50,000/- & Upto Rs. 2 lakh BPLR minus 0.75% * Loans Above Rs. 3 Lacs BR + 2.50%
C) Over Rs. 2 lakh BPLR

Advances to Film Production/Entertainment Industry:
Particulars BPLR System Base Rate System
a) Advances upto Rs. 2 lakh BPLR BR + 3.00%
b) Advances over Rs.2 Lakh but upto Rs.20 Lakh BPLR + 2.00% BR + 5.00%
c) Advances over Rs. 20 lakh As per credit risk rating As per credit risk rating
AAA BPLR BR + 3.00%
AA BPLR + 0.50% BR + 3.50%
A BPLR + 1.50% BR + 4.50%
BB BPLR + 2.00% BR + 5.00%
B BPLR + 2.75% BR + 5.75%
C BPLR + 3.25% BR + 6.25%
D BPLR + 3.50% BR + 6.50%

Advances to Commercial Real Estate:
Particulars BPLR System Base Rate System
Commercial Real Estate - Residential Housing Commercial Real Estate - Others
a) Advances upto Rs. 2 lakh BPLR BR + 3.00% BR + 3.00%
b) Advances over Rs.2 Lakh but upto Rs.20 Lakh BPLR +3.50% BR + 5.00% BR + 6.00%
c) Advances over Rs.20 lakh As per credit risk rating As per credit risk rating As per credit risk rating
AAA BPLR + 1.50% BR + 2.00% BR + 3.00%
AA BPLR + 2.00% BR + 3.00% BR + 4.00%
A BPLR + 3.00% BR + 4.00% BR + 5.00%
BB BPLR + 3.50% BR + 5.00% BR + 5.50%
B, C, D BPLR + 4.00% BR + 6.00% BR + 7.00%

Advance against future lease rentals (CRE category):
Particulars Base Rate System
Less than 3 yrs 3 yrs & above
Upto Rs.10 Lacs BR + 3.50% BR + 3.50% + TP
Above Rs.10 Lacs upto Rs.50 Lacs BR + 4.00% BR + 4.00% + TP
Above Rs.50 Lacs upto Rs. 1 crore BR + 4.50% BR + 4.50% + TP
Above Rs.1 crore to Rs 10 crore BR + 4.50% BR + 4.50% + TP
Above Rs 10 crore to Rs 50 crore BR+3.00% BR+3.00%+TP
Above Rs 50 crore BR+2.50% BR+2.50%+TP

Advance against future lease rentals (Non-CRE category):
BPLR System Base Rate System
Particulars Less than 3 yrs 3 yrs & above Less than 3 yrs 3 yrs & above
Upto Rs.10 Lacs BPLR BPLR+0.50%+TP BR+3.00% BR+3.00%+TP
Above Rs.10 Lacs upto Rs.50 Lacs BPLR+1.00% BPLR+1.00%+TP BR+3.50% BR+3.50%+TP
Above Rs.50 Lacs upto Rs. 1 crore BPLR+1.50% BPLR+1.50%+TP BR+4.00% BR+4.00%+TP
Above Rs.1 crore to Rs 10 crore BPLR+2.00% BPLR+2.00%+TP BR+4.00% BR+4.00%+TP
Above Rs 10 crore to Rs 50 crore BPLR+2.00% BPLR+2.00%+TP BR+2.50% BR+2.50%+TP
Above Rs 50 crore BPLR+2.00% BPLR+2.00%+TP BR+2.00% BR+2.00%+TP

Contact Details:
Punjab National Bank
7, Africa Ave,
Bhikaji Cama Place,
RK Puram,
New Delhi, 110066 ‎
011 2619 2856
Delhi
India

Map Location:

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Answered By StudyChaCha Member