• 9863020202    
  • contact@financeseva.in

Apply PNB Personal Loan

You need urgent fund Punjab National Bank has a quick solution to your urgent financial needs. Get a (PNB)Punjab national bank personal loan with attractive Interest Rates, simply documentation, and speedy processing.
Enquiry Form

Punjab National Bank Personal Loan 

Have you decided to buy a new car and planning to go on a long trip with your family and friends. PNB offers personal loans Now, don’t wait to apply and make your dream true.

Personal Loan Features & Benefits 


  • Loan starting from 6.80% Onwards
  • Minimal processing fee levied
  • Digital Processing accessible by PNB
  • Flexible repayment option


  • Personal loan tax benefits are available
  • Up to 30 years of longest tenure
  • PMAY Subsidy scheme available

Various Types of PNB Personal Loan

Punjab National Bank offers some personal loan schemes for the public, doctors, and pensioners with different rates of interest shown in table:-

Personal Loan Schemes:-

Personal loan scheme  Best for Interest rate
Personal loan scheme for public Salaried individual 8.95% to 14.50%
Personal loan for doctor Doctor 8.95% onwards
Personal loan for pensioners Retired individuals 9.3% onwards

Also Read:-Kotak Home Loan

PNB Personal Loan Scheme for Public:- The Public is eligible for this scheme, applicants have to be permanent employees in the State or Central Government, minimum annual income of Rs.4 lakh and applicant should have paid tax over the last 3 financial years.

PNB Personal Loan Scheme for Pensioners: -Pensioners to be eligible for this scheme, the applicant has to be drawing pension from any branch of PNB.

PNB Personal Loan Scheme for Doctors: - Doctors are eligible for this scheme, the applicant should earn a minimum annual salary of Rs.5 lakh, should have paid tax for the last years, and should be in current residence for 2 years.

PNB Personal Loan Rate of Interest & Processing fees

Interest Rate 8.95% p.a. to 14.50% p.a.
Loan Tenure Up to 84 months
Loan Amount Up to Rs.15 lakh
Loan Tenure Up to 84 months

 Type of Other Charges by PNB Personal Loans

Loan processing charges: - 1% of the loan applied + GST. 

Part or full prepayment Charges: - Generally part or full prepayment charges is applicable in fixed interest rates rather than floating interest rates.

Cheque bounce charges: - For 1st-time cheque bounce you will be charged 750/- + GST & for 2nd time you will be charged 1000/- + GST.  

Overdue charges: - Unpaid EMI for delayed period will be levied 24% per annum.

Account statement Charges: - Through online can access account statement for free of cost if request received to branch charges will be levied 500/- + GST.

Changing repayment mode: - For changing repayment mode swapping will be charged 750/-.

Loan pre-closure statement: - A charge of 750/- applicable.

Change of ROI: - In Punjab national bank rate of interest is available both fixed & floating when you change fixed interest rate to floating rate 3% of POS + GST respectively changing floating rate to fixed interest rate levied 0.5% POS + GST.

CIBIL Checking Charges: - For checking your CIBIL report you will be charged 50/-. 

MODT/Registration of Charge - Fore Creation/Cancellation of registration a charge of 500/- + GST levied.

PNB Personal Loan Eligibility Criteria

You are not too far from reaching your goal, take a one-step ahead to confirm whether your eligibility matches their requirements if yes then happy or no, then try to match yourself by given details-

  • Applicant must be a resident of India
  • Applicant age should be in between 21 to 63 years
  • Applicant should have a regular source of income might be salaried or self-employed (salaried individuals required last 3 months' Salary Slips and, Bank Statements of 6 months and Self-Employed Individuals required a last 1-year bank statement for both savings account and current account.)

 Also Read:- Prime Minister Rozgar Yojana

PNB Personal Loan Documents -

Salaried applicant Self-Employed applicant
Loan application form with passport size photographs Loan application form with passport size photographs

Id proof with a unique identification

  • Pan card
  • Aadhar card
  • Driving license
  • Voter id card

Id proof with a unique identification

  • Pan card
  • Aadhar card
  • Driving license
  • Voter id card
Educational qualification proof Educational qualification proof
Age proof Age proof

Proof of official address and residential address.

  • PAN Card
  • Passport
  • Aadhaar Card
  • Driving License
  • Election/ Voter’s ID Card
  • Property/ Municipal Tax receipt

Proof of official address and residential address PAN Card

  • Passport
  • Aadhaar Card
  • Driving License
  • Election/ Voter’s ID Card
  • Property/ Municipal Tax receipt

Income proof: 

Last 3-month payslip

Bank statement of last 6 months

Income proof:- 

Last 3-month payslip

Bank statement of last 6 months

 How does PNB Personal Loan Apply Online?

Have you decided to get a loan so you don’t need to go outside just simply follow these steps for PNB personal loan apply online:-

Step 1 - You can apply for a PNB personal loan by visiting their website site https://www.pnbhousing.com/  or visit the nearest Punjab national branch bank.

Step 2 – Then download the application form online or request the bank branch to share the loan application.

Step 3 –After successful download of the application, you need to fill the required columns with correct value where it includes personal, employment & property details. Also, make sure you attach all relevant documents & submit them.

Step 4- Wait for approval. you will receive a loan permitted &, the loan amount will be credited to your account.

 Also Read:-Supplier credit and Buyers credit

PNB Personal Loan FAQ

Which purpose I Can Get Punjab National Bank Personal Loan?

You can get PNB Personal Loan to meet all types of your personal needs. It is a multipurpose loan that can be used to meet an expense

How to use PNB Personal Loan EMI Calculator?

Checking PNB personal loan calculator is much easier to use, you just need to enter net monthly income, interest rate & existing EMI’s to know your monthly payable EMI & eligible loan amount in seconds.

How much salary you should have to get PNB Personal Loan?

Applicants should earn a minimum of 30,000 monthly salaries PNB Personal Loan for Salaried then only they will be eligible for a personal loan.

How much Personal Loan amount can I get from PNB?

Generally, the PNB housing loan provides up to 90% of property value as a maximum loan amount & various factors are considered in terms of determining eligible loan amount.  

How can I apply for a PNB Personal Loan offline?

It is easy to apply for a PNB personal loan offline. You can visit the nearest PNB branch to apply for a personal loan. You must have to carry required & necessary documents to apply for a PNB personal loan.

What are the PNB Personal Loan Eligibility criteria?

Your minimum monthly income must be 30,000 to avail of a personal loan from PNB. The bank considers your income to determine your eligibility. Your ability to make EMI payments is justified based on income earned.

What is the PNB Personal Loan Rate of Interest?

The PNB Personal loan interest rates are @ 8.70% to 14.25%.

Punjab National Bank Personal Loan Customer Care Number

For further queries, you can directly visit Punjab National Bank Site and fill in basic details and continue online chart, or you can directly call on Punjab national bank personal loan contact number 1800 120 8800

Email to Customercare@pnbhousing.com.

Apply Now:-Machinery Loan