PNB Personal Loan Bank Personal Loan

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PNB Personal Loan Bank Personal Loan Details

PNB Personal Loan Bank 3.75 / 5.04 users

Punjab National Bank personal loan is offered to salaried and self-employed individuals. The funds can be used for any expenses. A personal loan is an unsecured loan, which has flexible uses. You can fulfil monetary needs of any kind with this. Punjab National Bank is one of the oldest in the list of nationalized banks in India. Having a wide variety of products and reach in the public, the bank has built a good name in Indian economy. The bank has wide variety of credit products too, one such is personal loan.

Our website, will provide you all details about personal loan Punjab National Bank.

Punjab National Bank Personal Loan Details Updated on
Loan Amount Maximum Rs. 10 Lakhs
Loan Tenure Up to 5 years
Interest Rate 11.7% to 14.7%

Why Choose Punjab National Bank Personal Loan?

  • The advantage of this loan is its same interest throughout the duration.
  • Simple documentation is needed and the personal loan in Punjab National Bank then gets processed faster.
  • The customers can pay off the loan in easy instalments every month and can repay it via auto debit or PDC or ECS.
  • You can check out Punjab National Bank personal loan eligibility and Punjab National Bank Personal Loan EMI calculator at

Features of Personal Loans at Punjab National Bank

The following key points will help you understand the features and benefits of the personal loans:

  • The applicant can visit to any branch of the bank to apply for the loan. Also he/she can directly call phone banking line to contact with them and the bank will send their representative to the place of applicant for sorting all the formalities.
  • The bank offers this scheme to both, self employed as well as the salaried class. The eligibility criteria are quite fair.
  • The tenure of the loan can be 5 years at most at affordable and competitive interest rate.

Types of Punjab National Bank Personal Loans

Punjab National Bank has personal loan schemes for professionals and salaried individuals. The amount taken as loan can be used for either multiple or specific purposes.

Why Apply for Punjab National Bank Personal Loan?

Loanbaba provides comprehensive information about personal loan schemes by PNB. Keep a note of this page to stay updated with recent information on this bank loan scheme. You can also quickly apply for this loan online on the bank's official website without having to visit the bank branch. It is simple and easy, and you can upload all the required documents online. Disbursal is done at the soonest, and you can keep a track of your loan application on the website.

Punjab National Bank Personal Loan Interest Rates

Personal Loan Punjab National Bank interest rate is between 11.7% and 14.7% p.a., but varies as per individual profile. Keep a check on this page to note the updated Punjab National Bankpersonal loan interest rate for the current year.

Punjab National Bank Personal Loan Eligibility Calculator

Personal loan eligibility may differ from one candidate to another. You can also use free-of-cost Punjab National Bank personal loan eligibility calculator at The eligibility criteria for Punjab National Bank personal loan are discussed below:

  • The applicant for personal loan Punjab National Bank needs to meet the age requirement and possess all necessary identity and income proof required to apply for the loan.
  • He/she meet the requirement for credit score and should not be under too many debts.

Punjab National Bank Personal Loan FAQs

Below provided are important questions about personal loan Punjab National Bank.

The eligibility criteria for availing Punjab National Bank personal loan is discussed below:

  • Minimum age: The applicant needs to have attained an age of 21 years at least.
  • Maximum age: The applicant cannot be more than 58 years old.
  • Job Specifications: All permanent Defence Personnel also the officials of the Indo Tibetan Border Police, Border Security Force, Central Industrial Security Force, Military Station Headquarters, Central Reserve Police Force, etc. However, bank reserves the right of entertaining the loan requests of Defence Personnel who are going to retire within next 24 months.
  • Permanent or confirmed employees of PSUs/ State or Central Govt. and all legit corporate institutions including colleges, autonomous bodies, nursing homes, schools, hospitals, universities, who are either drawing salary through accounts maintained with any Punjab National Bank branch or else, their employers agree for check off facility.
  • Minimum income: salaried individuals applying for personal loan need to be withdrawing a minimum salary of Rs. 15,000. It should be noted that this condition varies as per the location of branch.
  • Total Years in Profession/Company: 2 years or more
  • Years At Current Residence: 1 year or more
  • CIBIL Score: For Punjab National Bank personal loan, CIBIL score of at least 700 is must.

The eligibility criteria for availing PNB personal loan is discussed below:

  • Minimum age: The applicant must be at least 21 years old.
  • Maximum age: The applicant more than 65 years old.
  • Minimum income: Minimum monthly income as per official records of self-employed individual cannot be less than Rs. 20,000
  • Total Years in Profession: 2 years or more
  • CIBIL Score: A CIBIL score of at least 700 is must for availing this loan from the bank.
  • For Doctors: Professionally qualified medical practitioners (MBBS, BDS or above) having an annual income of at least Rs. 4 lakh can also apply for the loan. ITRs of last three years are must for application.

Disclaimer: Information is gathered from secondary sources and meant for reference only. Loanbaba is not a channel partner of PNB Bank.

PNB Bank Personal Loan Review

Personal Loan
I have a Personal Loan with PNB Bank. The loan disbursement was on time and document procedure was quick. I would say it was a satisfactory experience.
Personal Loan
As I was holding a savings account with PNB bank they gave me personal loan for which the entire documentation process was very less. It was a quick disbursement procedure.
Personal Loan
I had taken a personal loan in Delhi and thankfully the amount I required was completely approved and disbursed. Excellent work.
Personal Loan
No compromises, best personal loan in Delhi service by PNB bank.
Mumbai 23 July 2021

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