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PNB Personal Loan for Public

Personal finance for salaried employees of government, and reputed employers, with PNB salary-account or check-off routes. Finance is up to 24 times gross monthly salary, capped at ₹20 lakh, subject to repayment capacity.

PNB reported personal-loan rate range9.25%–16.80% p.a. (mean 13.03%) for the quarter ended March 2026. This is PNB's reported retail Personal Loan range, not a current individual offer or a scheme-specific sanction rate.Maximum financeUp to 24 times gross monthly salary, subject to repayment capacity, with a maximum of ₹20 lakh.Maximum amountPersonal loan for salaried customers for medical, marriage, education and travel needs, up to ₹20 lakh or 24 times gross monthly salary.
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Quick eligibility check

PNB Personal Loan for Public

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: PNB salary-account route requires confirmed/permanent employment and at least 2 years' service?

2Do you meet this requirement: check-off applicants require at least 3 years' service including prior employers?

3Does your annual income meet this requirement: The current product page publishes no minimum monthly or annual salary amount?

4Document checkDo you have this required document or proof: Completed loan application and photograph?

Published source: Minimum income

5Document checkDo you have this required document or proof: KYC, age and official/residential address proof?

Published source: Minimum income

6Document checkDo you have this required document or proof: Latest salary evidence and employer-authenticated Form 16/ITR as applicable?

Published source: Minimum income

7Document checkDo you have this required document or proof: Salary-account statement and employer check-off confirmation where applicable?

Published source: Minimum income
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 Oct 2026 · active
Offered byPunjab National Bank

India; PNB salary-account/check-off routes

Key facts

What the official sources publish

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

Maximum financeUp to 24 times gross monthly salary, subject to repayment capacity, with a maximum of ₹20 lakh.View source
The official quantum section states 24 times gross monthly salary and ₹20 lakh maximum.
Source
Personal Loan for Public — PNB
Page / section
Quantum Of Finance
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 72 EMIs or the remaining service period, whichever is earlier; defence personnel are capped at 60 EMIs.View source
The official repayment section publishes 72 and 60 limits.
Source
Personal Loan for Public — PNB
Page / section
Repayment (Maximum)
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNIL.View source
The official page states NIL prepayment charges.
Source
Personal Loan for Public — PNB
Page / section
Prepayment Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Loan typePersonal loanView source
The official product name identifies this as “PNB Personal Loan for Public”.
Source
PNB Personal Loan for Public — official product page
Page / section
Official product name and loan classification
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PNB reported personal-loan rate range9.25%–16.80% p.a. (mean 13.03%) for the quarter ended March 2026. This is PNB's reported retail Personal Loan range, not a current individual offer or a scheme-specific sanction rate.Effective 31 Mar 2026View source
PNB's disclosure labels this as the rate range and mean for retail lending in the past quarter ended March 2026. The product page links to a rate page but has no single rate row for this scheme.
Source
PNB Display of Norms — retail-loan rates, charges and , quarter ended March 2026
Page / section
page 1, Annexure 1A, Personal Loan row
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Processing and documentation charges1.00% of the loan amount plus taxes; documentation ₹270 up to ₹2 lakh and ₹450 above ₹2 lakh. PNB's current page links to this charge schedule.View source
The named Personal Loan row publishes 1.00% processing, ₹270 documentation through ₹2 lakh and ₹450 above ₹2 lakh, with taxes additional.
Source
PNB Services Charges Related to Retail Advances
Page / section
Personal Loan row; page last updated 5 October 2026
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Reported personal-loan APR range9.50%–17.05% 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 the includes processing and documentation charges and is calculated on a loan of ₹1,00,000 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 row; on a ₹1,00,000 loan
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Maximum amountPersonal loan for salaried customers for medical, marriage, education and travel needs, up to ₹20 lakh or 24 times gross monthly salary.View source
The manually reviewed product summary states: “Personal loan for salaried customers for medical, marriage, education and travel needs, up to ₹20 lakh or 24 times gross monthly salary.”.
Source
PNB Personal Loan for Public — official product page
Page / section
Published loan terms in product summary
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Up to 24 times gross monthly salary, maximum ₹20 lakh, subject to repayment capacity
  • Nil margin
  • Term-loan or overdraft repayment route
  • Nil prepayment charge
  • Suitable third-party guarantee acceptable to PNB

Eligibility

  • PNB salary-account route requires confirmed/permanent employment and at least 2 years' service; check-off applicants require at least 3 years' service including prior employers.
  • The current product page publishes no minimum monthly or annual salary amount.

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

Documents the bank lists

  • Completed loan application and photograph
  • , age and official/residential address proof
  • Latest salary evidence and employer-authenticated Form 16/ as applicable
  • Salary-account statement and employer check-off confirmation where applicable
  • Guarantee documents where required by PNB

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
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PNB 1114 (R1) — Personal Loan application form and termsofficial-personal-loan-application-pdf · text-reviewed-applicability-mapping-open · accessed 8 Oct 2026
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PNB Retail Loan Checklist — personal-loan documentsofficial-document-checklist · scoped-personal-loan-checklist-reviewed · accessed 8 Oct 2026
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PNB Personal Loan — current FAQofficial-faq-page · scoped-current-faq-reviewed · accessed 8 Oct 2026
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PNB Services Charges Related to Retail Advances — personal-loan rowsofficial-service-charge-page · current-personal-loan-charge-rows-reviewed · accessed 8 Oct 2026
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Personal Loan for Public — PNBofficial-product-page · current · accessed 30 Aug 2026
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PNB Personal Loan for Public and Self-Employed — current product pageofficial-product-page · current-product-sections-reviewed · accessed 8 Oct 2026
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PNB Display of RBI Norms — retail-loan rates, charges and APR, quarter ended March 2026official-regulatory-disclosure-pdf · all-pages-text-and-visual-review-complete · accessed 8 Oct 2026
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PNB Retail Advances — housing rate-table applicability check for Digi CRGofficial-retail-rate-page · current-rate-page-spot-check · accessed 8 Oct 2026
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Interest Rate on Retail Advances — PNBofficial-page-and-pdf · current · accessed 30 Aug 2026
↗
Services Charges Related to Retail Advances — PNBofficial-product-page · current · accessed 30 Aug 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₹23,303twenty-three thousand three hundred three rupees
Interest paid over the full loan₹30,92,787thirty lakh ninety-two thousand seven hundred eighty-seven rupees
Everything you repay₹55,92,787fifty-five lakh ninety-two thousand seven hundred eighty-seven 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.

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

Scroll sideways to view every column

PNB personal-loan retail disclosures — quarter ended March 2026
PNB scheme reported in disclosurePast-quarter rangeMean Past-quarter range on ₹1 lakh
Personal Loan9.25%–16.80% p.a.13.03%9.50%–17.05% p.a.
Personal Loan to Pensioners10.60%–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 · 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

Scroll sideways to view every column

PNB personal-loan processing and documentation charges — quarter ended March 2026
PNB scheme reported in disclosurePast-quarter processing feePast-quarter documentation charge
Personal Loan1.00% of loan amount + taxesLoan up to ₹2 lakh: ₹270 + taxes; above ₹2 lakh: ₹450 + taxes
Personal Loan to PensionersNil₹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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