Personal, home, vehicle & other loans

PNB Personal Loan for Pensioners

Personal-needs loan for PNB pensioners from ₹25,000, with age-banded limits up to ₹10 lakh and repayment up to 60 or age 78.

Pensioner-loan rate disclosuresPNB's latest located quarter disclosure (quarter ended March 2026) reports a Personal Loan to Pensioners range of 10.60%–11.60% p.a. and mean of 11.10%. The product rate sheet dated 7 October states RLLR+BSP+2.50 percentage points, printed then as 10.60% floating / 11.60% fixed; those all-in figures predate the 8 October RLLR revision.Maximum financeMinimum ₹25,000. Maximum is ₹10 lakh up to age 70, ₹7.5 lakh above 70 to 75, and ₹5 lakh above 75, each subject to the stated pension multiple.Maximum amountPersonal-needs loan for PNB pensioners from ₹25,000, with age-banded limits up to ₹10 lakh and repayment up to 60 EMIs or age 78.

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✓ Manually checked 8 Oct 2026 · active

Offered byPunjab National Bank

India; pension through PNB branch

Key facts

What the official sources publish

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

The range/mean is a reported past-quarter portfolio disclosure. The current scheme formula and 7 October printed figure are separately dated; neither is recalculated using an assumed .

Source: PNB Personal Loan to Pensioners — rate disclosure and current scheme rate row
Page / section: page 1, Annexure 1A, Pensioners row; retail rate page Section 8 dated 7 October 2026
Accessed: 8 Oct 2026
Confidence: high

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Current pensioner-loan benchmark and spreadRLLR+BSP+2.50 percentage points. PNB's RLLR is 8.35% effective 8 October 2026. The 7 October rate sheet's displayed 10.60% floating and 11.60% fixed figures predate this benchmark revision and are not recalculated here.Effective 8 Oct 2026View source

The rate sheet gives ++2.50 percentage points. The separate benchmark table sets at 8.35%; is not supplied as a value for recalculating a current all-in offer.

Source: PNB Personal Loan to Pensioners — current rate formula and
Page / section: Retail Advances Section 8; current effective 8 October 2026
Accessed: 8 Oct 2026
Confidence: high

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Maximum financeMinimum ₹25,000. Maximum is ₹10 lakh up to age 70, ₹7.5 lakh above 70 to 75, and ₹5 lakh above 75, each subject to the stated pension multiple.View source

The official quantum section publishes age-banded maximums and pension multiples.

Source: Personal Loan for Pensioners — PNB
Page / section: Quantum of Finance
Accessed: 30 Aug 2026
Confidence: high

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Processing and documentation chargesNil processing fee; documentation charge ₹500 plus applicable taxes.View source

Current schedule lists nil processing and ₹500 documentation for Personal Loan to Pensioners; taxes are additional.

Source: PNB Services Charges Related to Retail Advances
Page / section: Pensioner Personal Loan row
Accessed: 8 Oct 2026
Confidence: high

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TenureMaximum 60 EMIs or up to age 78, whichever is earlier; borrowers above age 75 are limited to 24 EMIs in the scheme disclosure.View source

The official repayment disclosure publishes the and age limits.

Source: Personal Loan Scheme for Pensioners — PNB
Page / section: Repayment (Maximum)
Accessed: 30 Aug 2026
Confidence: high

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Prepayment chargeNil.View source

PNB's pensioner explicitly answers that prepayment charges are nil.

Source: PNB Retail — Personal Loan to Pensioners
Page / section: Pensioner personal-loan question 14
Accessed: 8 Oct 2026
Confidence: high

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Loan typePersonal loanView source

The official product name identifies this as “PNB Personal Loan for Pensioners”.

Source: PNB Personal Loan for Pensioners — official product page
Page / section: Official product name and loan classification
Accessed: 30 Aug 2026
Confidence: high

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Pensioner-loan APR range10.85%–11.85% p.a. for the quarter ended March 2026, calculated by PNB on a ₹1,00,000 loan after processing and documentation charges. This is a past-quarter portfolio disclosure, not an individual quote.Effective 31 Mar 2026View source

The states after processing and documentation charges on a ₹1,00,000 loan for the past quarter ended March 2026.

Source: PNB Display of Norms — retail-loan rates, charges and , quarter ended March 2026
Page / section: page 3, Annexure 1C, Personal Loan to Pensioners row
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Maximum amountPersonal-needs loan for PNB pensioners from ₹25,000, with age-banded limits up to ₹10 lakh and repayment up to 60 EMIs or age 78.View source

The manually reviewed product summary states: “Personal-needs loan for PNB pensioners from ₹25,000, with age-banded limits up to ₹10 lakh and repayment up to 60 or age 78.”.

Source: PNB Personal Loan for Pensioners — official product page
Page / section: Published loan terms in product summary
Accessed: 30 Aug 2026
Confidence: high

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Benefits and features

Minimum loan ₹25,000
Up to ₹10 lakh for pensioners up to age 70, subject to pension multiple
Nil margin and nil prepayment charges
Repayment up to 60 or age 78, whichever is earlier

Eligibility

All types of pensioners drawing pension through PNB branches; spouse, earning-child or acceptable third-party guarantee is required.

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

Documents the bank lists

Pension and identity proof
Address proof
Guarantor documents where applicable

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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.

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹25,550twenty-five thousand five hundred fifty rupees

Interest paid over the full loan₹36,31,998thirty-six lakh thirty-one thousand nine hundred ninety-eight rupees

Everything you repay₹61,31,998sixty-one lakh thirty-one thousand nine hundred ninety-eight 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.

TablePNB scheme reported in disclosureChoose column

Personal Loan · Past-quarter range9.25%–16.80% p.a.

This value is copied from PNB personal-loan retail disclosures — quarter ended March 2026. Check the table notes before relying on it.

Source: PNB Display of Norms — retail-loan rates, charges and , quarter ended March 2026 · page 1 Annexure 1A and page 3 Annexure 1C; period quarter ended March 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 · 2 rows · 4 columnsPNB personal-loan retail disclosures — quarter ended March 2026Historical portfolio rate ranges, mean rates and APRs after charges; APRs are calculated on a ₹1,00,000 loan. These values are not current product offers.View tableHide table

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PNB personal-loan retail disclosures — quarter ended March 2026
PNB scheme reported in disclosure	Past-quarter range	Mean	Past-quarter range on ₹1 lakh
Personal Loan	9.25%–16.80% p.a.	13.03%	9.50%–17.05% p.a.
Personal Loan to Pensioners	10.60%–11.60% p.a.	11.10%	10.85%–11.85% p.a.

PNB Display of Norms — retail-loan rates, charges and , quarter ended March 2026 · page 1 Annexure 1A and page 3 Annexure 1C; period quarter ended March 2026 · accessed 8 Oct 2026Open official source ↗

Table 2 · 3 rows · 3 columnsPNB Personal Loan to Pensioners — amount by borrower age and pension typeView tableHide table

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PNB Personal Loan to Pensioners — amount by borrower age and pension type
Borrower age	Public pensioner	Defence pensioner
Up to age 70	18× net monthly pension or ₹10 lakh, whichever is lower	20× net monthly pension or ₹10 lakh, whichever is lower
Above 70 to 75	18× net monthly pension or ₹7.5 lakh, whichever is lower	20× net monthly pension or ₹7.5 lakh, whichever is lower
Above 75	12× net monthly pension or ₹5 lakh, whichever is lower	12× net monthly pension or ₹5 lakh, whichever is lower

PNB Retail — Personal Loan to Pensioners · Pensioner questions 3–4; age and amount matrix · accessed 8 Oct 2026Open official source ↗

Table 3 · 2 rows · 3 columnsPNB personal-loan processing and documentation charges — quarter ended March 2026Historical RBI-norm disclosure rows for Personal Loan and Personal Loan to Pensioners. This is a past-quarter disclosure, not a current fee quote; charges are shown as printed, including tax wording.View tableHide table

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PNB personal-loan processing and documentation charges — quarter ended March 2026
PNB scheme reported in disclosure	Past-quarter processing fee	Past-quarter documentation charge
Personal Loan	1.00% of loan amount + taxes	Loan up to ₹2 lakh: ₹270 + taxes; above ₹2 lakh: ₹450 + taxes
Personal Loan to Pensioners	Nil	₹500 + taxes

The heading describes this as a past-quarter March 2026 disclosure and says the schedule excludes service tax; the row-level text separately prints '+ Taxes'. Both are preserved as printed and should not be treated as a current product charge without checking the current retail-advance fee schedule.

PNB Display of Norms — retail-loan rates, charges and , quarter ended March 2026 · page 2 / Annexure 1B, Personal Loan and Personal Loan to Pensioners rows · accessed 8 Oct 2026Open official source ↗

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PNB Personal Loan for Pensioners

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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PNB Agriclinic and Agribusiness Centres Scheme

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PNB Agriculture Marketing Infrastructure (AMI) Finance