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PNB Personal Loan for Self-Employed

Personal loan for listed self-employed professionals with gross annual income of at least ₹6 lakh in each of the last 2 years, CIC score 750+, and a satisfactory PNB savings/current account held for 2 years.

Maximum finance10 times average gross monthly income over the last 2 years, capped at ₹5 lakh; sanction also depends on the permitted deduction limit.Maximum repaymentUp to 60 EMIs or age 65, whichever is earlier.Processing and documentation charges1.00% processing fee plus ₹500 documentation charge; applicable taxes are additional.
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Quick eligibility check

PNB Personal Loan for Self-Employed

0 of 9 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: ₹6 lakh in each of the last 2 years?

Published source: Minimum gross annual income

2Does your annual income meet this requirement: Minimum gross annual income ₹6 lakh for each of the last 2 years and minimum CIC score 750?

3Do you meet this product condition: Satisfactory PNB savings/current account relationship for 2 years?

4Are you this type of customer: At least ₹5 lakh aggregate annual credits across the customer's similar-capacity savings/current accounts during the previous financial year?

5Do you meet this requirement: Suitable third-party guarantor other than a close relative?

6Document checkDo you have this required document or proof: Completed loan application and photograph?

Published source: Minimum gross annual income

7Document checkDo you have this required document or proof: KYC, age and official/residential address proof?

Published source: Minimum gross annual income

8Document checkDo you have this required document or proof: Income proof supporting the last 2 years' gross annual income?

Published source: Minimum gross annual income

9Document checkDo you have this required document or proof: Savings/current-account statements supporting the 2-year relationship and previous-year credits?

Published source: Minimum gross annual income
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 Oct 2026 · active
Offered byPunjab National Bank

Metro and Urban branches; page adds 'initially in metro Branches only'

Key facts

What the official sources publish

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

Minimum gross annual income₹6 lakh in each of the last 2 yearsView source
The page requires minimum gross annual income of ₹6.00 lakh for the last two years and a CIC score of 750 or above.
Source
PNB Personal Loan Scheme for Self-Employed
Page / section
Eligibility
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Maximum finance10 times average gross monthly income over the last 2 years, capped at ₹5 lakh; sanction also depends on the permitted deduction limit.View source
The page states 10 times average gross monthly income over the last two years, maximum ₹5.00 lakh, subject to the scheme's maximum-permissible-deduction limit.
Source
PNB Personal Loan Scheme for Self-Employed
Page / section
Quantum of Finance and footnote on maximum permissible deductions
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Maximum repaymentUp to 60 EMIs or age 65, whichever is earlier.View source
The page sets a maximum of 60 or age 65, whichever is earlier.
Source
PNB Personal Loan Scheme for Self-Employed
Page / section
Repayment (Maximum)
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Processing and documentation charges1.00% processing fee plus ₹500 documentation charge; applicable taxes are additional.View source
The current schedule has a named Self-Employed Personal Loan row listing 1.00% processing and ₹500 documentation charges.
Source
PNB Services Charges Related to Retail Advances
Page / section
Self-Employed Personal Loan row
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Prepayment chargeNil.View source
The scheme page explicitly states nil prepayment charges.
Source
PNB Personal Loan Scheme for Self-Employed
Page / section
Prepayment Charges
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Loan typePersonal loanView source
The official product name identifies this as “PNB Personal Loan for Self-Employed”.
Source
PNB Personal Loan for Self-Employed — official product page
Page / section
Official product name and loan classification
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Up to 10 times average gross monthly income over the last 2 years, capped at ₹5 lakh
  • Nil margin
  • Repayment up to 60 or age 65, whichever is earlier
  • Nil prepayment charge

Eligibility

  • Minimum gross annual income ₹6 lakh for each of the last 2 years and minimum CIC score 750
  • Satisfactory PNB savings/current account relationship for 2 years
  • At least ₹5 lakh aggregate annual credits across the customer's similar-capacity savings/current accounts during the previous financial year
  • Suitable third-party guarantor other than a close relative; guarantor requires gross annual income of at least ₹6 lakh in each of the last 2 years and CIC score at least 650

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
  • Income proof supporting the last 2 years' gross annual income
  • Savings/current-account statements supporting the 2-year relationship and previous-year credits
  • Guarantor income, and identity documents

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 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 Services Charges Related to Retail Advances — personal-loan rowsofficial-service-charge-page · current-personal-loan-charge-rows-reviewed · accessed 8 Oct 2026
↗
PNB Personal Loan for Public and Self-Employed — current product pageofficial-product-page · current-product-sections-reviewed · accessed 8 Oct 2026
↗
PNB Retail Advances — housing rate-table applicability check for Digi CRGofficial-retail-rate-page · current-rate-page-spot-check · 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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Initial eligible professions · Officially published termChartered Accountants, Company Secretaries, data analysts, architects/valuers, agents, engineers, software developers and financial consultants

This value is copied from PNB Personal Loan Scheme for Self-Employed — key terms. Check the table notes before relying on it.

Source: PNB Personal Loan Scheme for Self-Employed · Eligibility through branch-availability 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 · 7 rows · 2 columnsPNB Personal Loan Scheme for Self-Employed — key termsView tableHide table

Scroll sideways to view every column

PNB Personal Loan Scheme for Self-Employed — key terms
ParameterOfficially published term
Initial eligible professionsChartered Accountants, Company Secretaries, data analysts, architects/valuers, agents, engineers, software developers and financial consultants
Income and creditGross annual income at least ₹6 lakh in each of the last 2 years; CIC score at least 750
PNB relationshipSatisfactory PNB savings/current account for 2 years; previous- credits at least ₹5 lakh across similar-capacity accounts
Maximum finance10× average gross monthly income over the last 2 years; maximum ₹5 lakh; subject to deduction cap
Margin/securityNil margin; acceptable third-party guarantor other than close relative, with GAI ₹6 lakh each of last 2 years and CIC at least 650
Repayment/prepaymentUp to 60 or age 65, whichever earlier; nil prepayment charge
Branch availabilityMetro and Urban branches; page also says initially in Metro branches only
PNB Personal Loan Scheme for Self-Employed · Eligibility through branch-availability footnote · accessed 8 Oct 2026Open official source ↗

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