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PNB Doctor's Delight Personal Loan

A professional personal loan for doctors, from ₹2 lakh up to ₹20 lakh or 24× monthly gross income, with a published ₹5 lakh minimum gross annual income.

Published finance limit — source conflictDedicated Doctor's Delight page: minimum ₹2 lakh, maximum ₹20 lakh or 24 times monthly gross salary/income, whichever is lower. PNB's general FAQ instead says maximum ₹15 lakh or 20 times gross monthly income. The two current official sources conflict; confirm the applicable sanction ceiling with PNB.TenureUp to 84 EMIs or the remaining service period, whichever is earlier; overdraft is adjusted over a maximum 84 months.Processing and documentation charges0.90% of the loan amount plus ₹450 documentation charge; taxes are additional.
Official product page ↗Compare category

Quick eligibility check

PNB Doctor's Delight Personal Loan

0 of 7 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: Gross annual income/salary of at least ₹5 lakh?

Published source: Minimum gross annual income

2Do you meet this requirement: For professional/personal requirements of eligible doctors?

3Do you meet this product condition: page requires suitable third-party guarantee and tangible collateral equal to 100% of the loan amount?

4Document checkDo you have this required document or proof: KYC and address proof?

Published source: Minimum gross annual income

5Document checkDo you have this required document or proof: Medical qualification and professional registration?

Published source: Minimum gross annual income

6Document checkDo you have this required document or proof: Income proof and tax returns?

Published source: Minimum gross annual income

7Document checkDo you have this required document or proof: Collateral and guarantee documents?

Published source: Minimum gross annual income
0 of 7 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 typeProfessional/personal term loan or overdraft for eligible doctors.View source
The official page describes professional/personal requirements and term-loan/overdraft repayment.
Source
PNB Doctor's Delight — Personal Loan to Doctors
Page / section
Purpose and Repayment
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum gross annual incomeGross annual income/salary of at least ₹5 lakh; the FAQ also requires the applicant to be a taxpayer for the last 2 years and provide those years' income-tax returns.View source
PNB publishes gross annual income/salary of ₹5 lakh and above and a two-year taxpayer/ condition.
Source
PNB Retail — Doctor's Delight
Page / section
Doctor's Delight questions 1–2
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Published finance limit — source conflictDedicated Doctor's Delight page: minimum ₹2 lakh, maximum ₹20 lakh or 24 times monthly gross salary/income, whichever is lower. PNB's general FAQ instead says maximum ₹15 lakh or 20 times gross monthly income. The two current official sources conflict; confirm the applicable sanction ceiling with PNB.View source
The dedicated page and current publish different maximum amounts and salary multiples. The product-page figure is retained as the primary product disclosure, but the mismatch is explicit and unresolved.
Source
PNB Doctor's Delight product page and PNB Retail
Page / section
Dedicated product page, Quantum of Finance; section, Doctor's Delight questions 1–2
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
TenureUp to 84 EMIs or the remaining service period, whichever is earlier; overdraft is adjusted over a maximum 84 months.View source
The official repayment section publishes the 84- maximum for term loan and overdraft.
Source
PNB Doctor's Delight — Personal Loan to Doctors
Page / section
Repayment (Maximum)
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing and documentation charges0.90% of the loan amount plus ₹450 documentation charge; taxes are additional.View source
The current schedule has a named Doctor's Delight row listing 0.90% processing and ₹450 documentation charges.
Source
PNB Services Charges Related to Retail Advances
Page / section
Doctor's Delight Personal Loan row
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNIL.View source
The official page states NIL prepayment charges.
Source
PNB Doctor's Delight — Personal Loan to Doctors
Page / section
Prepayment Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹2 lakh minimum and ₹20 lakh maximum, capped at 24× monthly gross income
  • Minimum gross annual income ₹5 lakh
  • Nil margin
  • Up to 84
  • Nil prepayment charge

Eligibility

  • For professional/personal requirements of eligible doctors; the page requires suitable third-party guarantee and tangible collateral equal to 100% of the loan amount.

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

Documents the bank lists

  • and address proof
  • Medical qualification and professional registration
  • Income proof and tax returns
  • Collateral and guarantee documents

Related official documents

PNB Doctor's Delight — Personal Loan to Doctorsofficial-product-page · current · accessed 30 Aug 2026
↗
PNB Doctor's Delight Personal Loanofficial-product-page · current · accessed 12 Sept 2026
↗
PNB 1114 (R1) — Personal Loan application form and termsofficial-personal-loan-application-pdf · text-reviewed-applicability-mapping-open · accessed 8 Oct 2026
↗
PNB Retail Loan Checklist — personal-loan documentsofficial-document-checklist · scoped-personal-loan-checklist-reviewed · accessed 8 Oct 2026
↗
PNB Personal Loan — current FAQofficial-faq-page · scoped-current-faq-reviewed · accessed 8 Oct 2026
↗
PNB Services Charges Related to Retail Advances — personal-loan rowsofficial-service-charge-page · current-personal-loan-charge-rows-reviewed · accessed 8 Oct 2026
↗
PNB Interest Rates on Advances — current MCLR/RLLR scheduleofficial-rate-table · current · accessed 12 Sept 2026
↗
Retail Advances — PNB current rate tableofficial-rate-table · current · accessed 30 Aug 2026
↗
PNB Retail Advances — housing rate-table applicability check for Digi CRGofficial-retail-rate-page · current-rate-page-spot-check · accessed 8 Oct 2026
↗
Services Charges Related to Retail Advances — PNBofficial-service-charge-page · current · accessed 30 Aug 2026
↗
PNB Retail FAQ — Matritva, pensioner, Doctor's Delight and Sahyog sectionsofficial-faq-page · scoped-current-faq-sections-reviewed · accessed 8 Oct 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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.

1-month · Effective date01 September 2026

This value is copied from PNB current and bases. Check the table notes before relying on it.

Source: PNB Interest Rates on Advances — current / schedule · w.e.f. 01.09.2026; w.e.f. 01.07.2026 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 6 rows · 4 columnsPNB current MCLR and RLLR basesView tableHide table

Scroll sideways to view every column

PNB current MCLR and RLLR bases
BenchmarkEffective datePublished baseHow it applies here
1-month 01 September 20268.25%Common schedule; product spread is not published on Doctor's Delight page
3-month 01 September 20268.50%Common schedule
6-month 01 September 20268.65%Common schedule
1-year 01 September 20268.80%Base linked by Doctor's Delight rate disclosure
3-year 01 September 20269.10%Common schedule
01 July 20268.10% = repo 5.25% + mark-up 2.50% + 0.35%External benchmark for floating retail loans; 2.0 / CRG product spread not separately published
  • These are benchmark bases, not the final rate offered to a borrower.
  • The product pages do not publish an exact scheme spread, so and final customer rate remain unresolved rather than inferred.
  • PNB's 2.0 page says a higher rate applies for the 15%/20% margin choice but does not state the increment.
PNB Interest Rates on Advances — current / schedule · w.e.f. 01.09.2026; w.e.f. 01.07.2026 · accessed 12 Sept 2026Open official source ↗
Table 2 · 2 rows · 5 columnsPNB Doctor's Delight — published amount terms conflictBoth values are current official publications; the comparison does not silently choose one as the verified borrower ceiling.View tableHide table

Scroll sideways to view every column

PNB Doctor's Delight — published amount terms conflict
SourcePublished minimumPublished maximumIncome multipleOther condition
Dedicated Doctor's Delight page₹2 lakh₹20 lakh24× monthly gross salary/income, whichever is lowerDedicated product section
PNB Retail , Doctor's Delight section₹2 lakh₹15 lakh20× monthly gross salary/income, whichever is lower also publishes minimum gross annual income ₹5 lakh
PNB Doctor's Delight product page and PNB Retail · Quantum of Finance; Doctor's Delight questions 1–2 · accessed 8 Oct 2026Open official source ↗

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