PNB E-BOOK

LOANS E-BOOKLET

FOREWORD In Order to bridge knowledge gap to achieve credit growth and Keeping in mind that human brain unlearns the learnings too fast unless revised and practiced, Loans Booklet has been prepared by Credit Section in which everything that was discussed in Credit Training cum Workshop has been included. This booklet includes basic and operations content which will be useful to the Officers while working on loans. We wish best of luck to the Loan Officers working in branches for quality credit growth and achievement of credit budgets by the branches in the ensuing Quarters. HEMANT PANDURANG KULKARNI CIRCLE HEAD

TABLE OF CONTENTS CHAPTER 1 GIST OF RETAIL LENDING SCHEMES *HOUSING LOAN *CAR LOAN *PENSION LOAN *PERSONAL LOAN *PNB SARASWATI – EDUCATION LOAN SCHEME FOR PURSUING HIGHER EDUCATION IN INDIA *PNB UDAAN – EDUCATION LOAN SCHEME FOR PURSUING HIGHER STUDIES ABROAD *PNB MY PROPERTY LOAN *PMAY ( PRADHAN MANTRI AWAS YOGNA ) CHAPTER 2 GIST OF MSME LENDING SCHEMES *PRADHAN MANTRI MUDRA YOJNA *PNB SEVA SCHEME *PNB SAMPATTI *PNB VYAPARI *PNB UDYOG *PNB TRANSPORT SCHEME *PRIME MINISTER'S EMPLOYMENT GENERATION PROGRAMME (PMEGP)

*PM SVANIDHI *CREDIT GUARANTEE TRUST FOR MICRO & SMALL ENTERPRISES (CGTMSE) *INTEREST RATE ON MSME ADVANCES *CBS SCHEME CODES *SERVICE CHARGES ON MSME ADVANCES *CONVERSION OF ROI FROM MCLR TO RLLR BASE CHAPTER 3 GIST OF AGRICULTURE LENDING SCHEMES *PNB FARM MECHANIZATION *PNB KISAN GOLD SCHEME *PNB KISAN CREDIT CARD *PNB KRISHI BHU SWAMI YOGNA CHAPTER 4 LOAN APPLICATION AND PROCESSING PORTALS *PNB LENS *CLAPS *PNB SCORE *PNB SME SCORE *PNB FARM SCORE *CERSAI REGISTRATION OF SECURITIES *PSBLOANIN59MINUTES PORTAL

CHAPTER 5 HOW TO HANDLE ROUTINE PROBLEMS IN FIX 10X-CBS LOAN MODULE *SOLUTIONS TO CBS FFPS ( FREQUENTLY FACED PROBLEMS ) *IMPORTANT CBS LOAN MENUS CHAPTER 6 PRE SANCTION DUE DILIGENCE & POST SANCTION FOLLOW UP FOR RECOVERY AND RENEWALS *PRE SANCTION DUE DILIGENCE *POST SANCTION FOLLOW-UP FOR RECOVERY AND RENEWALS *KEY ACTION POINTS FOR LOANS *BRIEF ABOUT PNPA ACCOUNTS *KEY ACTION POINTS FOR PNPA ACCOUNTS CHAPTER 7 LOANS RELATED IMPORTANT LINKS, REPORTS AND HELPDESK *IMPORTANT LINKS FOR DUE DILIGENCE *LIST OF LOAN REPORTS IN PNB AMALGAMATED EDW *LIST OF LOAN REPORTS IN MIS SERVER *HELPDESK FOR LOANS & CBS RELATED ISSUES