Frequently Asked Questions (FAQs) – PNB Matritva
1. Who are eligible borrowers under the scheme PNB Matritva?
All confirmed/permanent female employees of central/State Govt./PSUs and of all reputed companies/Institutions including Schools, Colleges, Universities, autonomous bodies, Hospitals/Nursing Homes having Minimum Income/Salary – Above Rs. 25000/- per month with minimum 2-year service including service with the previous employer(s), if any and drawing salary through accounts maintained with our Branches. Working Women can avail Personal Loan under this variant, maximum upto 2 times only.
2. What are the purpose for which loan under the scheme PNB Matritva be availed by a woman borrower?
Financial assistance under this scheme is extended to women for hospital expenses, incurred and to be incurred at the time of childbirth and maternity care after childbirth.
3. What is the period during/after pregnancy, when woman applicant can avail the personal loan under PNB Matritva scheme?
Eligible applicant can get the sanction of the proposed variant of personal loan before 2 month of expected delivery date and upto 3 month of childbirth.
4. What are the documents required to confirm the purpose for which loan is required under the scheme?
The personal loan under proposed PNB Matritva scheme can be sanctioned on the basis of self-declaration submitted by applicant confirming the pregnancy/childbirth.
5. What is the minimum and maximum amount of loan available under this scheme?
The minimum loan amount under this scheme is Rs. 25,000.00 and the maximum loan amount is Rs. 3,00,000.00 (Subject to the repaying capacity of borrower).
6. What is the rate of interest charged under this variant?
The rate of interest will be RLLR+BSP+2.15 % Irrespective of CIC score.
7. What is the repayment period of the loan? Is any moratorium period available?
The entire loan (principal & interest) shall be repaid within remaining period of service or in maximum 72 (Seventy-two) equated monthly instalments (EMIs) to start from next month from the date of disbursement. No Moratorium is granted under the scheme.
8. Are there any charges applicable for the loan?
The Upfront Fee and Documentation Charges are NIL in the loan.
9. What will be the nature of loan?
Term loan

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