1 / 19

DRUK PNB BANK … Your Partner in Growth

DRUK PNB BANK … Your Partner in Growth. About Our Bank. Mobilization of savings fund from individuals, household, business community and the Government ….. through various deposit schemes

gil-brady
Download Presentation

DRUK PNB BANK … Your Partner in Growth

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. DRUK PNB BANK … Your Partner in Growth

  2. About Our Bank

  3. Mobilization of savings fund from individuals, household, business community and the Government….. through various deposit schemes • Channeling savings fund for productive use in different sectors of the economy……..through various loan schemes • To act as efficient conduit for payments system …….through various mode of remittance

  4. Transaction(check in) account for business purpose • No Interest on this account • Cheque book is issued in this account • Account can be opened by depositing at least Nu 1000/- • Need to maintain minimum Quarterly Average Balance of Nu 5,000/-

  5. Fixed maturities- 3 months to over 5 years • Suitable for all kinds of depositors-Individual, businesses etc • High return(interest) and easy liquidity • Loan facility up to 90% of the balance at 1% or 2% above the applicable interest rate on the deposit • Premature closure is possible, subject to penalty.

  6. Purpose: To enable employees meet temporary cash requirement by extending OD • Eligibility: • Govt/Corporate/firms…. at least 75% of total employees with minimum participants of 10 • Should be permanent employees • OD Amount: Lower of Nu 50,000/- or Net Pay • Repayment: Anytime during the month or in bullet repayment at the time of next salary credit • Other Benefits:

  7. Purpose: • Loan is extended for purchase of plot for building of House up to maximum of Nu 2 million. • Extent of finance: • Construction/Purchase of House/Flat - 75% of the estimated cost of construction subject to repaying capacity • For repairs/renovations- 60% of estimated cost up to maximum of Nu 2 million subject to repaying capacity

  8. Purpose: For higher studies only • Eligibility: Meritorious students who have gained admission for degree program with minimum of 60% in higher secondary exam • Extent of Finance: • In Bhutan : Up to Maximum of 4 lacs with 0 margin • Out side Bhutan: Up to maximum of 15 lacs with 15% margin • Security: Acceptable collaterals in the form of Immovable property depending on loan amount

  9. Repayment: 5 years • Commencement of Repayment : Course period + 1 year OR 6 months after getting job, whichever is earlier. • Co-Borrower: Guardian shall be co-borrower and the parents/Guardian’s Income should be sufficient to repay the loan

  10. Extent of Finance: Up to 90% of the balance deposit amount plus accumulated interest • Interest: • 1% above deposit interest rate if depositor takes the loan • 2% above deposit interest rate if third person takes the loan

  11. Services Loan Related • Bank Guarantee (Performance/Bid Bond(EMD)/Security) • Purchase of Bills and Drafts, Cheques etc • Collection of Bills and Drafts, Cheques etc Remittances • Demand Draft/TT/PO • NEFT(t+1)/RTGS(t+0) through PNB in India • PNB Cheques payable at par at any bank in India • Fund Transfer in Foreign Currencies thru SWIFT

  12. Alternate Delivery Channels • ATM • Free Card • Annual fee : 100 per Card per year • For Add On Card: 100 per Card….. Up to 2 Cards • Can be used in all ATMs of PNB Branches in India • Master Card …under process • Internet Banking….. to be introduced • Mobile phone banking…..to be introduced

  13. FIXED DEPOSIT INTEREST RATES • For Individual Depositor

  14. FIXED DIPOSIT INTEREST RATES • For Corporate Bodies Single bulk Deposit

  15. Loan Interest rates

  16. Loan Interest rates

  17. Loan Interest rates

  18. TASHI DELEK

More Related