PNB Personal Loan 2025 Apply Online /Offline: Punjab National Bank (PNB) is now offering personal loans up to Rs 20 lakh. In this article, we will tell you how you can apply for this loan, what are the interest rates and all the information related to the loan.
Friends, Punjab National Bank is a prime government bank of India which offers numerous banking offerings to its customers. This bank is one of the most important banks in the united states of america, and here you may get diverse kinds of secured and unsecured loans. If you want cash and want to satisfy your monetary wishes thru private loan, then you can get monetary help from Punjab National Bank. For this you need to fulfill some conditions, including you need to have an account in this financial institution.
PNB Personal Loan 2025
Friends, in case you need to take a private loan from Punjab National Bank, then you have to satisfy some essential situations. You must be engaged in a few form of job or business and your month-to-month earnings should be as a minimum Rs 30,000. If you satisfy these situations, then you can apply for a non-public loan by means of visiting your nearest Punjab National Bank branch.
If you study this text until the quit, you will get entire facts about making use of for Punjab National Bank Personal Loan online and you’ll not want to search anywhere else. In this newsletter, you have been provided special data approximately this loan. So, let’s know, without wasting time, what you have to do to get a personal loan from Punjab National Bank.
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Personal Loan Benefits
Friends, the biggest advantage of taking a personal loan from Punjab National Bank is that you do not need the mediation of any agent. Apart from this, there are many other advantages of taking a personal loan from this bank:
- Low interest rates: The bank offers loans at attractive interest rates.
- Flexibility: You can choose the loan amount and tenure as per your needs.
- No hidden charges: All fees and charges of the bank are transparent.
- Fast Processing: The amount of personal loan is transferred to your bank account within 15 days.
- Flexible Process: You can get a personal loan online or offline as per your convenience.
- Variety of Loan Amount: You can easily take a loan from Rs 25,000 to Rs 10 lakh from this bank.
- Various Loan Options: Punjab National Bank offers you loans in the form of overdraft as well as term loan.
- Low EMI: The minimum EMI on personal loan in this bank is Rs 1,581.
Punjab National Bank Loan Interest Rate and Processing Fee
Personal loans up to Rs 20 lakh are available from Punjab National Bank at 11.15% per annum. a. for a maximum tenure of 7 years. Additionally, it provides pensioners with personal loans at 11 percent p. a. for a maximum of 5 years.
Punjab National Bank Personal Loan Interest Rates:
For General Public : If you take a personal loan of Rs20 lakh, then you will get a loan at an interest rate of 11.15%.
For Pensioners: The interest rate on personal loan for pensioners has been fixed at 12.50%.
Processing Fee: In this bank, you will also have to pay a processing fee of 1%.
Loan Tenure: The tenure of a personal loan taken from Punjab National Bank is 5 & 7 years.
CIBIL Score: To avail a personal loan, your CIBIL score should be at least 650.
Loan Rates and Conditions Table
Interest Rate | Floating Interest Rates- 11.15% – 16.70% p.a. For pensioners- 11.50% p.a. (floating); 12.50% p.a. (fixed) Fixed Interest rates- 12.15%-17.70% p.a. |
| Loan Amount | Up to Rs 20 lakh |
| Tenure | Up to 7 years For pensioners- Up to 5 years |
| Processing Fees | Up to 1% |
| Prepayment Charges | NIL |
| Foreclosure Charges | NIL |
Understand The Eligibility Criteria for PNB Personal Loan.
The following are the eligibility criteria for a personal loan from Punjab National Bank:
- You should have at least Rs 30,000 monthly income.
- You must have your own business or job.
- You must not have a loan from any other finance company.
- Age eligibility criteria for the loan is general public between 21 years and 58 years & the pensioners is up to 70 years.
If you meet these eligibility criteria, you can apply for a personal loan from Punjab National Bank. For this, you have to visit your nearest branch and submit the required documents.
Important document you need for the loan
The following documents are required for a personal loan from Punjab National Bank:
| Copy of the Aadhar card for your identity. | Copy of the PAN card for proof of your income. |
| Copy of the Residence Certificate for proof of your residence. | Copy of any other identity card for your identity, such as Voter ID card or Passport. |
| Copy of the Birth Certificate for proof of your date of birth. | Copy of the Income Tax Returns for the last 3 years to prove your income. |
| You will have to attached a copy of last 3 month of your bank statement. | |
All these documents are required by the bank to be submitted along with the application for the loan contract.
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How to apply for the PNB personal loan
Offline process:
- Firstly, you will have to visit your nearest Punjab National Bank branch.
- Fill the required form for the loan and submit all the required documents.
- The bank officials will process your application further.
Online process:
- By using your laptop visit the official website of the Punjab national bank
- Fill the application form for personal loan.
- Upload the required documents.
- After submitting the application, the bank officials will review your application and give you further information.