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PNB Doctor’s
Delight
NISHESH KUMAR
(Sr. FACULTY) PNB STC-1
LUCKNOW
Eligibility
3
Purpose, Nature & Amount of Loan
4
Margin & Repayment
MARGIN: Nil
REPAYMENT
Term Loan: The entire loan (principal & interest) shall be repaid within
remaining period of service or in maximum 84 equated monthly
installments (EMIs). Repayment to start one month after disbursement of
the loan.
Repayment of the loan along with interest should not extend beyond the 5
age of 65 years of borrower. Circle Head & above may relax repayment
period upto the age of 70 years. 5
Deductions
Max. Permissible
GMS/I
Deduction of GMS/I
Up to Rs.50000 40%
>Rs.50000 to
50%
Rs.100000
>Rs.100000 60%
6
Deductions
Further, Circle Head/COCAC & above, shall permit
higher %age deduction of GMS/I subject to Maximum
10% over & above the prescribed ceiling under each
bracket of GMS/I on individual merits of the case and
after ascertaining expenditure pattern of the
prospective borrower(s), i.e., Circle Head/COCAC &
above may permit deductions of GMS/I MAXIMUM up
to 50%, 60% and 70% in the above bracket,
respectively.
10
Upfront Fee And Documentation
Charges
Sub-Head “<solid>2032504”.
11
Security
12
Loaning Powers
Agreement of Guarantee