Becoming a PNB DSA (Direct Selling Agent) offers a premier opportunity to partner with Punjab National Bank, one of India’s largest public sector lenders.
By joining the PNB DSA Franchise, individuals and firms act as vital links in sourcing retail and MSME loan products, including home, vehicle, and personal loans.
This PNB Franchise model is highly rewarding, offering attractive commissions—often ranging from 0.2% to 2.25%—depending on the loan category and disbursal value.
Partners benefit from PNB’s massive brand recall and extensive digital support via the PNB One app.
This role is ideal for financial experts who want to facilitate seamless documentation and contribute to India’s growing credit ecosystem.
PNB DSA Franchise Business Opportunnity – Snapshot
Line of Business
DSA (Direct Selling Agent)
Unit / Shop Area
110 – 170 Sq. Ft.
Commission% / Revenue Sharing
0.2% – 2.25% of Loan value
Total Investment
Rs.36000 – Rs.61000
ROI Timeframe
3 to 6 Month
What do you know about PNB Direct Selling Agent Business?
About the Brand
Industry
Finance & Money
Business Line
DSA (Direct Selling Agent)
Organization Type
Public
Head Office
Delhi
Founder
Dyal Singh Majithia, Lala Lajpat Rai
Founded In (year)
19 May 1894
No. of DSA’s
NA
Master Franchise Model
NA
DSA Tenure
Lifetime
DSA Location
All over India
Business Set-Up Time
1 Month
DSA Commencement Year
2005
How much does PNB Franchise Cost?
Investment by DSA
DSA Fees
Upto Rs.1000
Infrastructure Investment
Rs.35,000 – Rs.60,000 (Optional)
What is PNB DSA Commission?
Commission% / Revenue Sharing
Home Loan Commission
0.2% – 0.3% of Loan value
Personal Loan Commission
1% – 2% of Loan value
Auto Loan Commission
1.25% – 1.5% of Loan value
Business Loan Commission
2% – 2.25% of Loan Value
Credit Card
Rs.500 to Rs.1500 per Card
How much you can earn from PNB DSA Business?
Monthly Revenue
Home Loan Amount
11,000,000
Personal Loan Amount
3,300,000
Credit Card Clients
5
Home Loan Commission
33,000
Personal Loan Commission
66,000
Credit Card Commission
7,500
DSA’s Income
106,500
Total Expences
60,000
DSA’s Net Profit
46,500
Net Profit Margin
0.325%
How much time does it take for PNB Partner to breakeven?
This PNB Franchise model is highly rewarding, offering attractive commissions—often ranging from 0.2% to 2.25%—depending on the loan category and disbursal value.