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PNB Insta Vehicle Loan

A term vehicle loan for eligible existing PNB home-loan borrowers, with up to 90% on-road finance capped at ₹10 lakh.

Insta Vehicle rate rowFixed new-car rate row: 8.65% p.a. non-EV; 8.60% EV.Maximum financeUp to 90% of on-road price, maximum ₹10 lakh.Maximum repayment periodFour-wheelers: 100 months; two-wheelers: 84 months.
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Quick eligibility check

PNB Insta Vehicle Loan

0 of 4 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.

1Do you meet this requirement: The Insta Vehicle?

2Do you meet this requirement: page requires an existing PNB home-loan account run for at least three years excluding moratorium, with no single EMI default?

3Do you meet this requirement: The linked current charge page has a separate five-year satisfactory-track-record footnote?

4Do you meet this requirement: whether that note modifies this product-page threshold is unresolved?

0 of 4 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 typeTerm vehicle loan for personal-use car or two-wheeler purchase, secured by hypothecation of the vehicle.View source
PNB defines the purpose as personal car/two-wheeler purchase and the facility as a term loan.
Source
PNB Insta Vehicle Loan Scheme
Page / section
Purpose and Type of Facility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Insta Vehicle rate rowFixed new-car rate row: 8.65% p.a. non-EV; 8.60% EV.View source
The row is explicitly qualified New Car Only. The table's old-car area repeats the row label through layout, which does not extend Insta eligibility to used cars.
Source
PNB Retail Advances — current vehicle-loan rate tables
Page / section
Section 2.1, row 'Insta Vehicle Loan Scheme for existing home loan borrower (New Car Only)'
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Maximum financeUp to 90% of on-road price, maximum ₹10 lakh.View source
The page publishes both 90% of on-road price and the ₹10 lakh maximum.
Source
PNB Insta Vehicle Loan — current scheme page
Page / section
Assessment of limit
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Maximum repayment periodFour-wheelers: 100 months; two-wheelers: 84 months.View source
The scheme page explicitly separates four- and two-wheeler maximum months.
Source
PNB Insta Vehicle Loan — current scheme page
Page / section
Maximum repayment period
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Processing/documentation charge₹1,000 flat processing charge; documentation charge nil. Applicable GST/taxes are extra.View source
The current schedule lists a flat ₹1,000 and nil documentation; tax note applies.
Source
PNB Services Charges Related to Retail Advances — vehicle rows
Page / section
Insta Vehicle Loan charge row and tax note
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Prepayment chargeNil prepayment charge.View source
PNB states nil prepayment charges for this scheme.
Source
PNB Insta Vehicle Loan — current scheme page
Page / section
Prepayment charges
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Eligibility is based on the existing PNB home-loan account; no fresh income proof is required
  • Maximum finance 90% of on-road price, capped at ₹10 lakh
  • Maximum 100 months for a four-wheeler and 84 months for a two-wheeler
  • New-car fixed rates: 8.65% p.a. non-EV and 8.60% EV
  • ₹1,000 flat processing charge; prepayment nil

Eligibility

  • The Insta Vehicle page requires an existing PNB home-loan account run for at least three years excluding moratorium, with no single default. The linked current charge page has a separate five-year satisfactory-track-record footnote; whether that note modifies this product-page threshold is unresolved.

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

Related official documents

PNB Interest Rates on Advances — current MCLR and RLLR benchmarksofficial-bank-rate-page · reused-current-benchmark-reviewed-2026-10-08 · accessed 8 Oct 2026
↗
PNB Insta Vehicle Loan Scheme for Existing Home Loan Borrowersofficial-product-page · current · accessed 30 Aug 2026
↗
PNB Insta Vehicle Loan — current scheme pageofficial-product-page · complete-product-page-reviewed · accessed 8 Oct 2026
↗
PNB Service Charges Related to Retail Advancesofficial-charge-schedule · current · accessed 30 Aug 2026
↗
PNB Retail Advances Interest Ratesofficial-rate-sheet · 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.

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₹21,934twenty-one thousand nine hundred thirty-four rupees
Interest paid over the full loan₹27,64,042twenty-seven lakh sixty-four thousand forty-two rupees
Everything you repay₹52,64,042fifty-two lakh sixty-four thousand forty-two 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.

Applicant/history · Published value / conditionExisting PNB home-loan account run at least 3 years excluding moratorium with no single default (scheme page). Current charge footnote separately says 5 years' satisfactory track record; applicability unresolved.

This value is copied from PNB Insta Vehicle Loan — current terms and rate scope. Check the table notes before relying on it.

Source: PNB Insta Vehicle Loan — current scheme page and linked schedules · Complete product page; rate-table 2.1 Insta row; retail-charge footnote 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 Insta Vehicle Loan — current terms and rate scopePreserves the scheme-page/five-year fee-footnote conflict and restricts rate assignment to the named new-car fixed-rate row.View tableHide table

Scroll sideways to view every column

PNB Insta Vehicle Loan — current terms and rate scope
ParameterPublished value / condition
Applicant/historyExisting PNB home-loan account run at least 3 years excluding moratorium with no single default (scheme page). Current charge footnote separately says 5 years' satisfactory track record; applicability unresolved.
Vehicle/usePersonal-use car or two-wheeler; term loan secured by hypothecation; comprehensive insurance at borrower's cost.
FundingUp to 90% on-road price, maximum ₹10 lakh.
Income proofNo fresh income proof required.
RateNew car, fixed: 8.65% p.a. non-EV; 8.60% EV.
RepaymentFour-wheeler 100 months; two-wheeler 84 months.
ChargesFlat ₹1,000 processing; documentation nil; taxes/ extra.
PrepaymentNil as stated on Insta scheme page.
PNB Insta Vehicle Loan — current scheme page and linked schedules · Complete product page; rate-table 2.1 Insta row; retail-charge footnote · accessed 8 Oct 2026Open official source ↗

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