Punjab National Bank Loan Apply

To apply for a loan from PNB, you can apply online through the PNB website, the PNB1 app, or through partner websites. You will need to provide personal, address, and income proofs, and a loan application form. The application process involves filling out the form, verifying your mobile number, selecting the loan amount, and submitting the required documents. 

Punjab National Bank offers personal loans of up to Rs 20 lakh @ 10.50% p.a. onwards for tenure of up to 7 years. It also offers personal loan to pensioners @ 10.85% p.a. onwards for up to 5 years. The bank offers personal loan overdraft facility to its salaried applicants, which shall be adjusted within the remaining service period or in maximum period of 6 years by reducing Drawing Power (DP) equivalent to EMI amount at the beginning of every month.

Customer Segments 

• Provide quick funds for various personal needs like medical treatment of self or a family member, marriage of self, son/daughter, defraying expenses on education of wards, expenses for domestic or foreign travel etc

Purpose 

• End- to- End Digital Journey in few clicks

• No branch Visit

• Paperless Loan

• Available 24*7

• Maximum Repayment Period- 72 Months

• Customer has flexibility to adjust the EMI through change in Tenure and Loan amount through dynamic slider functionality in-built in the journey.

• Access through PNB corporate website(pnb.bank.in->online services->insta loans) or

• PNB’s Mobile Application i.e. PNB One ( Login to PNB ONE ->Pre-Approved Personal Loan) or

• Internet Banking Services (netpnb.com)

Eligibility 

• Govt. Employees (Centre/ State/ Defence /Paramilitary Forces or PSU) and private salaried employees drawing salary through our bank

• Existing Pensioners drawing pension through our Branches

• Existing customers :

1. Car loan borrowers

1. Home loan borrowers

1. Personal loan borrowers

• Existing customers on the basis of

1. Quarterly average balance and(QAB)

1. Transactional relationship value(TRV)

• Existing customers who have fully repaid their Home loan/Car loan/Education loan/Personal loan

• Fully repaid and closed Home Loan/ Car Loan/ Education Loan within last 10 years & Personal Loan within 5 years

Type of Credit 

0.50% of loan amount inclusive of all the charges with Min. Amt of Rs.500/-+GST . The charges are inclusive of Upfront Fee, Documentation charges, stamp duty charges, CIC charges & other charges

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Loan Amount 

For Govt. Employees (Centre/State/Defence/ Paramilitary Forces or PSU) and Private salaried employees drawing salary through our bank

• Minimum Rs 25,000/-
• Maximum Rs 20.00 Lakh

For Pensioners drawing pension through our branches

• Minimum Rs 25,000/-
• Maximum Rs 8.00 Lakh

For Existing borrowers (Home loan/Car loan/Personal loan)

• Minimum Rs 25,000/-
• Maximum Rs 8.00 Lakh

For Existing customers on the basis of Quarterly average balance and Transactional relationship value

• Minimum Rs 25,000/-
• Maximum Rs 4.00 Lakh

For Customer who have Fully repaid their Home loan/Car loan/Education loan/Personal loan

• Minimum Rs 25,000/-
• Maximum Rs 6.00 Lakh

For specific details regarding eligibility, interest rates, and required documentation for a particular loan scheme, it is recommended to visit the official PNB website or contact their customer care at 1800 180 2222 or 1800 103 2222.