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PNB Combo Car Loan

New-car finance linked to a PNB housing loan, with up to 90% of on-road cost and repayment capped by the remaining housing-loan term or 84 months.

Maximum funding shareUp to 90% of the brand-new car's on-road priceMaximum repayment periodUp to 84 months or the remaining housing-loan repayment period, whichever is shorter.Processing feeNil for PNB Combo Loan Scheme in the current retail-advance charge schedule.
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Quick eligibility check

PNB Combo Car Loan

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: Salaried: gross monthly income at least ₹50,000?

Published source: Minimum income by applicant type

2Does your annual income meet this requirement: Professional/self-employed/business: average post-tax annual income at least ₹6 lakh over the previous 3 years, with consistent income growth?

Published source: Minimum income by applicant type

3Do you meet this requirement: Requires a PNB housing-loan sanction limit of at least ₹15 lakh and a standard account with satisfactory conduct?

4Is your income at least ₹50,000 per month or ₹6 lakh per year?

5Does your annual income meet this requirement: Total deductions including the proposed EMI are capped at 60% of gross income?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 Oct 2026 · active
Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeNew-car term loan linked to an existing or new PNB housing loan, secured by extending the mortgage on the housing-loan property.View source
The official page limits the scheme to brand-new four-wheelers and housing-loan borrowers and states mortgage extension security.
Source
PNB Combo Car Loan Scheme
Page / section
Objective, Eligibility and Additional Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum income by applicant typeSalaried: gross monthly income at least ₹50,000. Professional/self-employed/business: average post-tax annual income at least ₹6 lakh over the previous 3 years, with consistent income growth.View source
The scheme publishes different salaried and non-salaried thresholds and a three-year average/growth condition.
Source
PNB Combo Car Loan Scheme — current scheme page
Page / section
Eligibility and Gross Income
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Maximum funding shareUp to 90% of the brand-new car's on-road priceView source
PNB states a 10% margin, equivalent to financing up to 90% of on-road price.
Source
PNB Combo Car Loan Scheme — current scheme page
Page / section
Margin
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Maximum repayment periodUp to 84 months or the remaining housing-loan repayment period, whichever is shorter.View source
The page caps the car-loan tenor at 84 months and the housing loan's remaining repayment period, whichever is lower.
Source
PNB Combo Car Loan Scheme — current scheme page
Page / section
Repayment Period
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Processing feeNil for PNB Combo Loan Scheme in the current retail-advance charge schedule.View source
The named Combo scheme row states nil processing fee.
Source
PNB Services Charges Related to Retail Advances — vehicle rows
Page / section
PNB Combo Loan Scheme charge row
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Only brand-new four-wheelers
  • Housing-loan sanction limit of at least ₹15 lakh and a satisfactory standard account
  • Minimum gross income: ₹50,000 monthly for salaried applicants or ₹6 lakh average post-tax annual income over the preceding three years for professionals/self-employed/business applicants
  • Finance up to 90% of on-road price; total deductions including the proposed capped at 60% of gross income
  • Processing fee nil; repayment up to 84 months or remaining housing-loan period, whichever is shorter

Eligibility

  • Requires a PNB housing-loan sanction limit of at least ₹15 lakh and a standard account with satisfactory conduct. Minimum income is ₹50,000 gross monthly for salaried applicants or average post-tax annual income of ₹6 lakh over 3 years with consistent growth for other listed applicants. Total deductions including the proposed are capped at 60% of gross income; the housing property mortgage is extended.

Passing a listed condition does not mean the bank will approve an application.

Related official documents

PNB Combo Car Loan Schemeofficial-product-page · current · accessed 30 Aug 2026
↗
PNB Combo Car Loan Scheme — current scheme pageofficial-product-page · complete-product-page-reviewed · accessed 8 Oct 2026
↗
PNB Interest Rates on Advances — current MCLR and RLLR benchmarksofficial-bank-rate-page · reused-current-benchmark-reviewed-2026-10-08 · accessed 8 Oct 2026
↗
Services Charges Related to Retail Advances — PNBofficial-service-charge-page · current · accessed 30 Aug 2026
↗
Retail Advances — PNB interest-rate tableofficial-rate-table · current · accessed 30 Aug 2026
↗
PNB Services Charges Related to Retail Advances — vehicle rowsofficial-service-charge-page · current-vehicle-charge-rows-reviewed · accessed 8 Oct 2026
↗
PNB Retail Advances — current vehicle-loan rate tablesofficial-retail-rate-page · current-vehicle-sections-reviewed · accessed 8 Oct 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Vehicle · Published value / conditionBrand-new four-wheeler only.

This value is copied from PNB Combo Car Loan — published terms. Check the table notes before relying on it.

Source: PNB Combo Car Loan Scheme — current page and linked disclosures · Complete scheme page; rate and service-charge links Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsPNB Combo Car Loan — published termsHousing-loan-linked new-car finance terms; absent rate/prepayment entries remain blank in comparison cells.View tableHide table

Scroll sideways to view every column

PNB Combo Car Loan — published terms
ParameterPublished value / condition
VehicleBrand-new four-wheeler only.
Housing loanSanction limit at least ₹15 lakh; account must be standard with satisfactory track record.
Minimum incomeSalaried: ₹50,000 gross monthly. Professional/self-employed/business: average post-tax annual income ₹6 lakh over 3 years and consistent growth.
Funding10% margin on the brand-new car's on-road price.
Deduction capAll deductions, including the proposed car , up to 60% of gross income.
SecurityExtend the existing housing-loan property mortgage.
RepaymentUp to 84 months or remaining housing-loan period, whichever is less.
ProcessingNil in current PNB charge schedule.
PNB Combo Car Loan Scheme — current page and linked disclosures · Complete scheme page; rate and service-charge links · accessed 8 Oct 2026Open official source ↗

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