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PNB Matritva Personal Loan

A term personal loan for hospital expenses and maternity care from two months before expected delivery to three months after childbirth, with ₹25,000–₹3 lakh finance and up to 72 .

Interest-rate formulaRLLR + BSP + 2.15 percentage points, irrespective of CIC score. PNB RLLR is 8.35% effective 8 October 2026; the FAQ does not publish the BSP, so no all-in rate is calculated.Loan amount₹25,000 minimum and ₹3 lakh maximum, subject to repayment capacity; up to 2 uses under the scheme.RepaymentUp to 72 EMIs, starting one month after disbursement; no moratorium is published. Sanction may be requested from 2 months before expected delivery until 3 months after childbirth.
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Quick eligibility check

PNB Matritva Personal Loan

0 of 6 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: Above ₹25,000 per month, with at least 2 years of service including previous-employer service and salary credited through a PNB branch?

Published source: Minimum monthly income

2Does your annual income meet this requirement: Confirmed/permanent female employee with at least two years' service including previous employer service, drawing salary through a PNB branch account?

3Do you meet this requirement: Sanction window is up to two months before expected delivery and up to three months after childbirth?

4Document checkDo you have this required document or proof: KYC and salary-account proof?

Published source: Minimum monthly income

5Document checkDo you have at least one of these required documents: Self-declaration confirming pregnancy or childbirth?

Published source: Minimum monthly income

6Document checkDo you have this required document or proof: Employment and two-year service proof?

Published source: Minimum monthly income
0 of 6 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 personal loan for hospital expenses at childbirth and maternity care after childbirth.View source
PNB describes financial assistance for hospital expenses incurred or to be incurred at childbirth and maternity care after childbirth.
Source
PNB Matritva — Personal Loan for Working Women During Perinatal Period
Page / section
Purpose
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest-rate formulaRLLR + BSP + 2.15 percentage points, irrespective of CIC score. PNB RLLR is 8.35% effective 8 October 2026; the FAQ does not publish the BSP, so no all-in rate is calculated.Effective 8 Oct 2026View source
PNB publishes the 2.15-point spread and the current separately. The missing is not guessed.
Source
PNB Matritva and current PNB benchmark
Page / section
Matritva rate question; effective 8 October 2026
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
BenchmarkRLLR + BSP + 2.15%.View source
PNB names the + benchmark and the 2.15% spread.
Source
— PNB Matritva
Page / section
Question 6 — Rate of interest
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum monthly incomeAbove ₹25,000 per month, with at least 2 years of service including previous-employer service and salary credited through a PNB branch.View source
The states minimum salary above ₹25,000/month, two years' service including prior employers and salary credit through PNB.
Source
PNB Matritva — Retail
Page / section
Matritva questions 1–4, eligibility
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Loan amount₹25,000 minimum and ₹3 lakh maximum, subject to repayment capacity; up to 2 uses under the scheme.View source
The publishes the minimum and maximum amount, repayment-capacity condition and maximum of two uses.
Source
PNB Matritva — Retail
Page / section
Matritva questions 1 and 5
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
RepaymentUp to 72 EMIs, starting one month after disbursement; no moratorium is published. Sanction may be requested from 2 months before expected delivery until 3 months after childbirth.View source
The gives the application window, 72- maximum, start one month after disbursement and no moratorium.
Source
PNB Matritva — Retail
Page / section
Matritva questions 3, 6 and 7
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Upfront and documentation chargesNil upfront fee and nil documentation charges.View source
PNB states both upfront and documentation charges are nil for Matritva.
Source
PNB Matritva — Retail
Page / section
Matritva upfront/documentation charge questions
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Perinatal-purpose personal loan for childbirth and post-childbirth care
  • Minimum salary/income above ₹25,000 per month
  • ₹25,000 minimum and ₹3 lakh maximum
  • ++2.15% irrespective of score
  • Repayment within remaining service or maximum 72
  • Nil margin, upfront fee and documentation charges
  • Self-declaration confirms pregnancy or childbirth; maximum two availments

Eligibility

  • Confirmed/permanent female employee with at least two years' service including previous employer service, drawing salary through a PNB branch account. Sanction window is up to two months before expected delivery and up to three months after childbirth.

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

Documents the bank lists

  • and salary-account proof
  • Self-declaration confirming pregnancy or childbirth
  • Employment and two-year service proof

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 Matritva — Personal Loan for Working Women During Perinatal Periodofficial-product-page · current · accessed 30 Aug 2026
↗
FAQ — PNB Matritvaofficial-faq-document · current · accessed 30 Aug 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 Retail FAQ — Matritva, pensioner, Doctor's Delight and Sahyog sectionsofficial-faq-page · scoped-current-faq-sections-reviewed · accessed 8 Oct 2026
↗

Plan before applying

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Loan repayment estimate

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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.

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Customer · Published conditionConfirmed/permanent female employee; Central/State Government, or reputed institution

This value is copied from PNB Matritva — eligibility, amount and timing. Check the table notes before relying on it.

Source: PNB Matritva — Retail · Matritva questions 1–7 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 Matritva — eligibility, amount and timingView tableHide table

Scroll sideways to view every column

PNB Matritva — eligibility, amount and timing
ParameterPublished condition
CustomerConfirmed/permanent female employee; Central/State Government, or reputed institution
Salary/serviceAbove ₹25,000 per month; at least 2 years' service including prior employers; salary through PNB
FrequencyMaximum 2 uses
PurposeHospital expenses around childbirth and maternity care after childbirth
Sanction windowFrom 2 months before expected delivery until 3 months after childbirth
Purpose evidenceApplicant's self-declaration
Amount₹25,000 minimum to ₹3 lakh maximum, subject to repayment capacity
RepaymentUp to 72 ; starts one month after disbursement; no moratorium
PNB Matritva — Retail · Matritva questions 1–7 · accessed 8 Oct 2026Open official source ↗

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