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Priority Sector Lending is an important role given by the (RBI) to the banks for providing a specified portion of the bank lending to few specific sectors like agriculture and allied activities, micro and small enterprises, poor people for housing, students for education and other low income groups and weaker sections.

As per the directions of the GOI/RBI, Banks are mandated to implement comprehensive Financial Inclusion Program (Pradhan Mantri Jan Dhan Yojna) through effective utilization of Business Correspondents. Banks have already implemented PMJDY and other financial inclusion services through Business Correspondents PAN India. Sub Service Area (SSA) is a cluster of few villages and is linked to one base branch of the Bank.

Now, Punjab National Bank is in the process of providing the Micro and small Credits under the Financial Inclusion plan across the country. Our Company is shortlisted for empanelment as Corporate Business Correspondent for the purpose of deploying BC Agent/Bank Mitra in the field to source, process, deliver & manage micro & small credits in the allocated rural and urban areas across the country.


  1. Group Loans (SHG/JLG).

  2. Affordable Housing Loans.

  3. Educational Loans.

  4. Consumable Loans.

  5. Small Business Loans (TL/WC/OD) including Mudra.

  6. PM Savnidhi Loan including other such schemes.

  7. KCC/Agri Loans.

  8. Value/Supply Chain Financing.

  9. Artisans Loans, etc.

  10. Disbursement of Loans/Recovery of Loans.

The Service Provider shall provide the services through BC Agent/Bank Mitra engaged by the Service Provider. The Bank may prescribe the number of BCA to be engaged in any area of operation for exclusively working as a BC Agent/Bank Mitra or cover the same area by one or more BC Agent/Bank Mitra depending upon the business potential.