Punjab National Bank(PNB) has decided to focus on small and medium sector(SME). R K Gupta, who recently took over as general manager, PNB Haryana zone, Chandigarh, said here today that the SME sector was turning out to be most vibrant and important part of the economy. Thus, the bank has decided to give credit to a large number of industrial units so that they can improve quality and withstand competition. He said this year so far, 3,429 SME units in Haryana zone had been disbursed Rs 504.36 crore credit. The bank aims to disburse credit to as many as 6,500 units by the end of 2007-2008.The total outstanding from the SME sector till date is Rs 2,744.12 crore. Last fiscal, Rs 452.78 crore was disbursed to 3,338 SME units. Mr Gupta said the bank as member of empowered committee on SMEs, has also been participating in various discussions to improve competitiveness of the industrial and service enterprises. The bank in Haryana zone comprising Haryana and UT Chandigarh has provided 1,703 collateral free loans under Credit Guarantee Scheme. Around 1,790 Artisan Credit Cards and 3,325 Laghu Udhami Credit cards have also been issued in the zone by the bank.