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Punjab National Bank Speeds Up Its Credit Proposal Process And Meets Targets


Country or Region: India
Solution: Credit Proposal Tracking, Monitoring, Supervision & Reporting
Industry: Banking

Business Situation

Credit proposals were taking too much time at PNB. Often, the reasons and location of delays were not known. Thus resulting in inordinate delays leading to customer dissatisfaction and indirect on bank’s business and image.


To have an online mechanism to monitor & track Credit Proposals originated from branches.


Using Microsoft Office Tools and NTPL solution, a web-based application developed using ASP and SQL Server, PNB now tracks the status of credit proposals. Online Credit Proposal Tracking mechanism helps in identifying gaps in the entire process


  • Completeness of information and uniformity in proposals through use of Office templates
  • Faster proposal clearance process
  • Improved follow up procedures
  • Increased accountability among staff
  • Targets achieved more easily
  • Online availability of information
  • Two-way information mechanism
  • Identification of areas for improvement
  • Electronic maintenance of information/records

In our bank we are handling credit proposals with different level of sanction. The number of proposal has been increasing with bank emphasizing on increasing the credit portfolio. Deploying of Proposal Tracking and Monitoring Mechanism helped us monitor and track the processing stages of the proposal. This has not only helped in faster processing but blocking the hurdles and increasing the credit portfolio and achieving customer satisfaction. The customer complaints have reduced.” – Shri RIS Sidhu, General Manager-IT, Punjab National Bank.

The Punjab National Bank (PNB) was established in 1895 in Lahore. Recently ranked 38th amongst top 500 companies by the Indian daily, Economic Times, PNB was nationalized in 1969. Today, PNB is a front-line banking institution in India, serving over 35 million customers.
The Bank was facing long delays in its processing credit proposals originated at different levels. Proposal clearances were slow. PNB was losing good proposals and failing to meet targets. To tackle this, the Bank used Microsoft Office and Natural Technologies’ solution, based on ASP and SQL Server. A web-based application Proposal tracking System helped the Bank to create a uniform proposal format, track the status of each proposal, speed up the clearance process and meet targets. Employees use Word to create the proposals, while loan appraisal was done using MS Office. The Bank now has an end-to-end solution based on Microsoft technologies to monitor and track Credit Proposal and meet the business requirements.