PNB has a sanctioned corporate loan amount of Rs 1 trilion to be disbursed later, according to CEO Atul Kumar Goel, who attributes the rate as a "price war". Despite achieving loan growth of over 14% in Q1, the bank will maintain guidance of 12-13% because some loans are "short-term in nature". PNB has refocused on retail, agriculture, MSME and defence, maintaining a 40% growth in retail loans.