Punjab National Bank

Punjab National Bank

Overview

Confirmed/ permanent employees of Central/ State Govt/ PSUs and all reputed companies/ Institutions who are drawing their salary through accounts maintained with PNB branches are elligible for Personal loan. All types of pensioners who are drawing their pension through PNB branches are eligible.

Loan Feature

Loan Amount Rs. 50000/- to Rs. 500000/- depending upon the repaying capacity
Interest Rate 15.25% to 16.5%
Tenure 60 Equated Monthly Instalments (EMIs) OR remaining period of service, whichever is earlier. Instalment to commence one month after disbursement of loan.
Pre Payment Charges Not Available
Service Charges

1.8% of the loan amount + Service Tax & Education Cess

Eligibility Criteria : Personal Loan

  Salaried Self
Age No Age Criteria Provided No Age Criteria Provided
Income Rs.15000 per month for eligible customers at Metro Centres;Rs.12500 per month for Urban centres Professionally qualified Doctors viz. MBBS, BDS & above having annual income of Rs.4.00 lac & above;
Job Experience N.A N.A
Residence Proof Information Not Available Information Not Available

Docs Required : Personal Loan

  Salaried Self
ID Proof Any One-Govt. I Card/ Passport Copy/ Voters ID card/ Driving Licence/Copy of PAN Card Any One-Passport Copy/ Voters ID card/ Driving Licence/Copy of PAN Card
Address Proof Ration card or passport or latest electricity bill or latest telephone bill or latest credit card bill bank statements, last 6 months bank statements Ration card or passport or latest electricity bill or latest telephone bill or latest credit card bill bank statements, last 6 months bank statements
DOB Proof Birth Certificate or 10th Class Passing Certificate Birth Certificate or 10th Class Passing Certificate
Financial Docs
  • Photographs
  • Salary Certificate/ Form 16
  • Employment Proof
  • Govt. I card
  • Bank Statement for last 3 months.

 

 

  • Photographs
  • Income Tax Returns / Valid Income Documents certified by CA
  • Business Continuation Proof
  • Bank Statement for last 3 months.

Other Charges : Personal Loan

Documentation Charges

Rs.270/- upto Rs.2 Lac + Service Tax & Education Cess

Rs.450/- over Rs.2 Lac + Service Tax & Education Cess

Products offered by Punjab National Bank

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Testimonial

After getting rejected for a home loan by two banks I thought my wish of owning a home in a city like Mumbai will remain a dream. By chance I came to your site and applied for the loan.

What happened then was a smooth process. It's been my good luck to visit your site and get loan for my dream home.

Thanks

- Deepak Gupta

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