PNB Personal Loan Apply, Interest Rate 2024

How to get PNB Personal Loan – Punjab National Bank Personal Loan Apply, Eligibility, Interest Rate, EMI Calculator, Minimum Salary, Civil Score and more details that we read in this article please read till the last.

friends today we Through this article, we will provide you information about the complete process of taking personal loan from Punjab Bank.

In this article we will know that Punjab National Bank Personal Loan What is it, how can we apply for this loan, up to how much loan amount we can get money, how much interest rate we have to pay on this loan, what are the documents and eligibility for this loan etc. That’s why you read this article till the end.

PNB Personal Loan

Before taking a PNB personal loan, we should know that Personal Loan What is As the name suggests, when we take a loan for any of our personal work, it personal loan or personal loan. If you need money immediately and you are not getting money from anywhere then you can apply for Punjab National Bank Personal Loan

Any person can take a personal loan for marriage, interest expenses, travel, medical expenses, education expenses etc. Personal Loan One special thing is that PNB Bank You do not have to give any reason for any kind of where you are going to use this loan amount. PNB Instant Personal Loan You can apply for both online and offline.

You must know that friends personal loan is a unsecured loan. You do not need to give collateral or security to take it. bank your CIBIL score Provides you personal loan on the basis of The better your CIBIL score is Punjab National Bank Personal Loan Approval will be done in less time. Both salaried person and self employed can apply for personal loan from Punjab Bank. You can apply online or offline for Punjab National Bank personal loan.

Key Features of PNB Loans

• Loan Name: Punjab National Bank Personal Loan 2024
• Bank Name: Punjab National Bank (PNB)
• Loan Amount: ₹50,000 to ₹15 Lakh
• Interest Rate: Starting from 8.95% pa
• Loan Tenure: 12 to 60 months
• Processing Fee : 1.8% + Tax
• Bank official website: pnbindia.in
• Learn here PNB Wiki

PNB Personal Loan Interest Rate 2024

If you are taking a personal loan from any bank in Agra, then you should keep in mind that how much interest rate that bank will charge for you. The interest rate of Punjab national bank personal loan starts from 8.95% per annum. Maximum The interest rate varies from time to time but generally it is up to 14.50%.

Before taking personal loan Personal Loan Interest Rate 2024 It is necessary to have information about If you apply for that loan without knowing the interest rate of the loan properly, then you may have to face difficulties at the time of repayment of the loan.

PNB Personal Loan Amount

First of all let us talk about how much loan amount you can get personal loan from PNB. You can get a personal loan from Punjab National Bank with a minimum of Rs 50,000 and a maximum of Rs 15 lakh. On the basis of your CIBIL score, you will be given the loan amount.

Loan Tenure

Now it comes to how much time PNB bank gives you to repay the personal loan. This bank gives you 12 months to 60 months to repay the personal loan.

Types of PNB Personal Loan

Punjab Bank offers various types of personal loans. Following are the types of Punjab National Bank personal loan:

• For Public
• Loan Scheme For Doctor`s
• For Pensioners

For Public:

The main objective of this loan is to provide financial assistance to the public for their personal needs. You can avail this personal loan to meet all your personal needs like medical treatment of self or any family member, marriage of self, son/daughter, education of wards, expenses of domestic or foreign travel etc. can take

Under this loan, you can take a loan up to 15 times of your Monthly Salary and can take a loan up to a maximum of Rs 10 lakh. The Prepayment Charges of this loan are zero.

Personal Loan Scheme For Doctor`s :

can take this personal loan to meet the expenses of professional / personal requirement. Under this loan, you can take a personal loan of minimum Rs 2 lakh and maximum up to Rs 15 lakh. You can take this loan up to 20 times your monthly income but your annual income should not be less than Rs.5 lakh. The Prepayment Charges of this loan are zero.

For Pensioners:

All pensioners can apply for personal loan from Punjab National Bank. The main purpose of this loan is to provide financial help to the pensioners. The person has to repay the loan till his age of 78 years.

Under this pension loan, the beneficiary can get a minimum loan of Rs 25,000.

Maximum loan amount:

• On attaining the age of 70 years, maximum loan can be taken up to Rs 10 lakh.
• A person between the age of 70 years to 75 years can take a maximum loan of Rs 7.50 lakh.
• 75 years of age can take a maximum loan of Rs 5 lakh.

Punjab National Bank Personal Loan Fees & Charges

Friends, before taking a personal loan from the bank, we should keep many things in mind. One of these is the Fees & Charges on the loan. Here is information about Fees & Charges of Punjab National Bank Personal Loan, you can see it. The processing fee charged by Punjab National Bank on personal loan is 1.8% + tax.

For Public:

• Processing Fees: 1.00% of the loan amount, for Defense personnel – Nil
• Documentation Charges: Upto Rs. 2 lac – Rs. 270/-, Above Rs. 2 lac – Rs. 450/-, For Defense Personnel – Nil

Personal Loan Scheme For Doctor`s :

• Processing Fees: 0.90% of the loan amount + Taxes
• Documentation Charges: Rs.450+ Taxes

For Pensioners:

• Processing Fees: Nil
• Documentation Charges: Rs. 500/-

Benefits and Features of Punjab National Bank Personal Loan

• You can take Punjab National Bank personal loan for your personal expenses like education, marriage, travel, medical expenses etc.
• You can take loan from Rs.50,000 to Rs.15 lakh from PNB.
• This personal loan But you have to pay processing fee of 1.8% + tax.
• PNB gives 12 months to 60 months to repay the personal loan.
• If you need money urgently and no one is helping you then you can apply for personal loan from this bank.
• Punjab National Bank offers various types of personal loans.
• PNB personal loan interest rate 2023 Starting at 8.95% per annum.
• If you are among the existing customers of the bank, then you are provided a loan at a low interest rate.
• You can apply for this loan by visiting the official website of the bank online or by visiting the offline bank.
• Once you have applied for the loan, you can check the status of your application online or by visiting your nearest customer care center.
• The minimum EMI of PNB Personal Loan comes to Rs.2073 per month. Which is calculated on the basis of longest loan tenure and lowest interest rate.
• You can do EMI Calculator by visiting the official website of the bank.
• Any person in the age group of 21 to 58 years can apply for this personal loan.
• Punjab Bank does not charge you foreclosure and part prepayment charges on this loan.
• All salaried person and self employed can apply for Punjab National Bank personal loan.
• Salary should be Rs 30,000 to apply.
• Bank provides this loan to you on the basis of your credit score.
• PNB Personal Loan Your CIBIL score should be minimum 650 to take it.
• If you are a salaried person ( salaried person) and your salary account is in this bank, then you get this loan with very few documents.

PNB personal loan eligibility

As we told you that PNB offers many types of personal loans. The eligibility for different personal loans is also different. But there are some general eligibility which is applicable to all, they are as follows:

• Applicant’s age should be between 21 to 58 years.
• Your CIBIL score should be good then only you can get this loan.
• The minimum monthly income of the applicant should be Rs.30,000.
• Both salaried and self-employed people can apply for this Punjab National Bank Personal Loan.
• To get the loan, you have to apply in it.

The eligibility based on the type of personal loan is as follows:

Eligibility for Public Personal Loan Scheme:

• Permanent/Permanent employees of Central/State Government/Public Sector Undertakings with at least 2 years’ service including service with the previous employer, if any.
• Another minimum 3 years’ service including service with previous employer, if any.
• 60 years of age having agency of more than five years, having regular and stable income and having SF account with PNB Bank branch.

Eligibility of Personal Loan Scheme for Doctor:

• Professionally qualified practicing / serving doctors like MBBS, BDS with annual income of Rs.5 lakh or more are eligible.
• The doctors should be a taxpayer for the last two years.
• should have continuous occupancy of at least 2 years at the current place of residence. (Not applicable in case of doctors who are employees of Government/Institutions etc. )

Eligibility of Personal Loan Scheme for Pensioners:

• All types of pensioners who are getting pension can apply for this loan.

Punjab National Bank Personal Loan Documents Required

• 2 passport size photographs
• Identity Proof (Driving License, PAN, Passport, Voter ID, Aadhar Card)
• Residential Address Proof (Registered Rent Agreement, Passport, Leave and Licence, Utility Bill for the last three months)
• Income Documents ( copy of Form 16 for last 2 years, 3 months salary slip, 3 months bank statement showing salary credit and any EMI debits)
• duly filled loan application form
• age proof
• educational qualification proof
• Salaried: Latest salary slip and Form 16, duly attested by the employer
• Non-salaried: IT returns for the last three financial years
• Any other document which may be required as per the requirement of the case.

How to apply for PNB Personal Loan ?

Now it comes to how you can apply for PNB Personal Loan. If you have read this article completely then you must have come to know whether you are eligible for this loan or not. If you fulfill all the conditions of this loan, then you can apply for this loan by following the steps given below.

can apply for Punjab National Bank Personal Loan both online and offline. Both the process of applying are given below.

First of all let us know how we can apply online for this loan:

Punjab national bank personal loan apply online:

• To apply online, you must first visit the official website of Punjab Bank pnbindia.in

• After visiting the website, you will be on the home page personal loan An option will appear, click on it.
• After clicking, the types of personal loan will open on the next page.
• You have to click on the personal loan for which you want to apply.
• After that you will see the option of apply now, click on it.
• The application form will open in front of you on the next page.
• You have to enter all the information asked in the form correctly and submit the form.
• After that the bank official will contact you. Your documents and forms will be verified.
• If you fulfill all the conditions then the loan amount will be transferred to your bank account.

How to apply offline ?

If you do not want to apply online then you can also apply offline. To apply offline, follow the steps given here:

• First of all you have to go to your nearest branch of Punjab national bank.
• By going to the bank, you have to tell the bank official that you want to apply for personal loan.
• The bank official will provide you all the information related to personal loan.
• If you agree to all the conditions, then the loan process will go ahead.
• After that a form will be given to you.
• You have to enter all the information asked in the form correctly, attach your documents and submit the form there.
• documents and forms will be verified by the bank official.
• If you are found eligible then the loan amount will be transferred to your bank account.

How to check PNB Personal Loan status ?

If you have applied for a personal loan and want to check the status of your application, then follow the steps given here:

• First of all you have to visit the official website of Punjab National Bank pnbindia.in will have to go
• website home page Online Services in option of Loan option will appear, click on it.
• on the next page you Click Here to Check Your Application Status Click on this option will appear.
• A form will open in front of you.
• In this form you have to enter the required information and click on submit.
• submit, you will get the status of your application.

PNB Personal Loan Pre-closure Process

Foreclosure if you prematurely close the loan by repaying the entire amount It is called If you make partial payment then it is called part payment. Foreclose your loan To do this, you can contact by visiting your nearest Punjab Bank branch. This bank will take loan from you pre-closure But does not take any charge.

PNB Personal Loan EMI Calculator

Before taking a loan, you should calculate the EMI so that you can find out whether you can easily repay the loan amount or not. The minimum EMI in Punjab Bank is Rs.2073. This calculation is based on the lowest rate and longer loan tenure.

can calculate EMI based on the table given below :

Loan Amount ( ₹ )	interest rate (per annum)	period of time	Monthly EMI
1 lakh	9.95%	1 year 2 years 3 years 4 years 5 years	₹ 8789 ₹ 4612 ₹ 3224 ₹ 2534 ₹ 2122
2 lakh	12.50%	1 year 2 years 3 years 4 years 5 years	₹ 17817 ₹ 9461 ₹ 6691 ₹ 5316 ₹ 4500
5 lakh	13.25%	1 year 2 years 3 years 4 years 5 years	₹ 44717 ₹ 23830 ₹ 16907 ₹ 13476 ₹ 11441
10 lakh	13.75%	1 year 2 years 3 years 4 years 5 years	₹ 89670 ₹ 47895 ₹ 34056 ₹ 27201 ₹ 23139

Punjab national bank personal loan customer care number

If you are facing any kind of problem in taking personal loan from Punjab Bank then you can contact Punjab National Bank Personal Loan customer care number. Customer care numbers are given to you here:

• Toll Free No. 1800 180 2222 / 1800 103 2222
• Tolled No. 0120-2490000
• Landline: 011-28044907
• Email ID: care[at] pnb [dot]co[dot]in
• Balance enquiry (toll free from registered mobile ( 1800 180 2223) / missed call on toll number ( 01202303090) will give you account balance of your savings fund / current account)
• For Credit Card Helpline: 1800 180 2345 or 0120-4616200

Compare Punjab National Bank Personal Loan with other Personal Loan

description	Punjab National Bank	HDFC Bank	RBL Bank	axis Bank	ICICI Bank	Bajaj Finserv
Rate of interest	Starting at 8.95%	10.75% to 21.50%	14% to 23% p.a.	12% to 24%	Starting from 10.50%	Starting from 13% p.a.
loan tenure	12 to 60 months	12 to 60 months	12 to 60 months	12 to 60 months	12 to 60 months	12 to 60 months
loan amount	15 lakhs	40 lakhs	20 lakh rupees	15 lakhs	20 lakh rupees	25 lakh
processing fee	1.80% of loan amount + tax	2.50% of the loan amount	3.5% of the sanctioned loan amount	of loan amount + GST	2.25% of the loan amount + GST	4.13% of the loan amount

Conclusion:

Friends, in this article we have provided you complete information about Punjab national bank personal loan. In this article you have learned how you can take PNB Personal Loan. You can also get loan information by calling the customer care number of the bank. If you want to get other information, then you can write to us in the comment. I hope you liked this article. If you liked this article, then you are requested to share this article with your friends.

FAQs on PNB Personal Loan