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Personal, home, vehicle & other loans

PNB Pre-Approved Personal Loan

A digital, paperless pre-approved personal loan with ₹25,000 minimum and up to ₹20 lakh for eligible salary customers.

PAPL rate by customer route and CIBIL bandSee the complete PAPL route/CIBIL rate table on this page. PNB's 7 October sheet prints floating rates of 10.60%–12.60% and fixed rates of 11.60%–13.60% across the applicable routes; the table preserves each route and band. The printed all-in values predate RLLR 8.35% effective 8 October and are not recalculated offers.Maximum finance₹20 lakh for eligible government/defence/paramilitary/PSU and PNB-salary private employees; ₹8 lakh for existing borrowers or pensioners, ₹4 lakh for QAB/TRV route and ₹6 lakh for customers with fully repaid loans.Maximum amountA digital, paperless pre-approved personal loan with ₹25,000 minimum and up to ₹20 lakh for eligible salary customers.
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Quick eligibility check

PNB Pre-Approved Personal Loan

0 of 3 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: Eligibility is pre-approved by PNB relationship, salary, pension, loan history, quarterly average balance or transaction value?

2Does your age meet this requirement: listed customer groups and age limits vary by route?

3Document checkDo you have this required document or proof: Digital KYC and consent through the PNB journey?

Published source: Minimum income
0 of 3 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 Oct 2026 · active
Offered byPunjab National Bank

India; PNB One, internet banking and PNB digital journeys

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 finance₹20 lakh for eligible government/defence/paramilitary/PSU and PNB-salary private employees; ₹8 lakh for existing borrowers or pensioners, ₹4 lakh for QAB/TRV route and ₹6 lakh for customers with fully repaid loans.View source
The official loan-amount section publishes route-specific minimum and maximum amounts.
Source
Pre-Approved Personal Loan — PNB
Page / section
Loan Amount
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Upfront fee0.50% of loan amount, minimum ₹500 plus GST; includes upfront, documentation, stamp-duty, CIC and other listed charges.View source
The official upfront-fee section publishes 0.50% and ₹500 minimum plus .
Source
Pre-Approved Personal Loan — PNB
Page / section
Upfront Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 72 months, with route-specific age caps of 60, 65 or 70 years.View source
The official repayment section lists 72 months and the age-based caps for each customer route.
Source
Pre-Approved Personal Loan — PNB
Page / section
Repayment Period
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Loan typePersonal loanView source
The official product name identifies this as “PNB Pre-Approved Personal Loan”.
Source
PNB Pre-Approved Personal Loan — official product page
Page / section
Official product name and loan classification
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PAPL rate by customer route and CIBIL bandSee the complete PAPL route/CIBIL rate table on this page. PNB's 7 October sheet prints floating rates of 10.60%–12.60% and fixed rates of 11.60%–13.60% across the applicable routes; the table preserves each route and band. The printed all-in values predate RLLR 8.35% effective 8 October and are not recalculated offers.Effective 7 Oct 2026View source
The route-specific rates and spreads are transcribed into the attached PAPL table; the current change is disclosed separately.
Source
PNB Retail Advances — Pre-Approved Personal Loan rate tables
Page / section
PAPL rate tables by customer route and band
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
PAPL rate benchmarkFloating pricing is RLLR + BSP; the percentage-point spread varies by customer route and CIBIL band. PNB RLLR is 8.35% effective 8 October 2026; the rate sheet does not publish a current BSP value for recomputing each printed 7 October quote.Effective 8 Oct 2026View source
+ and route spreads are published; the benchmark is not presented as a customer rate.
Source
PNB PAPL rate matrix and current PNB
Page / section
PAPL rate tables; effective 8 October 2026
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Maximum amountA digital, paperless pre-approved personal loan with ₹25,000 minimum and up to ₹20 lakh for eligible salary customers.View source
The manually reviewed product summary states: “A digital, paperless pre-approved personal loan with ₹25,000 minimum and up to ₹20 lakh for eligible salary customers.”.
Source
PNB Pre-Approved Personal Loan — official product page
Page / section
Published loan terms in product summary
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • End-to-end digital journey with no branch visit
  • Minimum loan ₹25,000
  • Up to ₹20 lakh for eligible government//private salary customers
  • 72-month maximum repayment period

Eligibility

  • Eligibility is pre-approved by PNB relationship, salary, pension, loan history, quarterly average balance or transaction value; listed customer groups and age limits vary by route.

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

Documents the bank lists

  • Digital and consent through the PNB journey

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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Pre-Approved Personal Loan — PNBofficial-product-page · current · accessed 30 Aug 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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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
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Services Charges Related to Retail Advances — PNBofficial-product-page · current · accessed 30 Aug 2026
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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₹21,696twenty-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.

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.

Government/State//private salary route · band800 and above

This value is copied from PNB Pre-Approved Personal Loan — route/ rate table. Check the table notes before relying on it.

Source: PNB Retail Advances — Pre-Approved Personal Loan rate tables · PAPL rate tables by customer route and band Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 4 columnsPNB Pre-Approved Personal Loan — route/CIBIL rate tableRoute-specific rate rows from the 7 October 2026 PNB rate page. Printed all-in quotes predate the 8 October RLLR revision; use the formula and dated figure rather than recomputing an offer.View tableHide table

Scroll sideways to view every column

PNB Pre-Approved Personal Loan — route/CIBIL rate table
Customer route bandFloating formula and printed rateFixed rate
Government/State//private salary route800 and above++2.50 pp (10.60%)11.60%
Government/State//private salary route750–799 or no history++3.50 pp (11.60%)12.60%
Government/State/ route only700–749++4.50 pp (12.60%)13.60%
Pensioner route680 and above++2.50 pp (10.60%)11.60%
/TRV relationship route800 and above++2.50 pp (10.60%)11.60%
/TRV relationship route750–799++4.50 pp (12.60%)13.60%
Existing car/home/personal-loan borrower800 and above++2.50 pp (10.60%)11.60%
Existing car/home/personal-loan borrower750–799++3.50 pp (11.60%)12.60%
Fully repaid home/car/education/personal-loan borrower800 and above++2.50 pp (10.60%)11.60%
Fully repaid home/car/education/personal-loan borrower750–799++3.50 pp (11.60%)12.60%
PNB Retail Advances — Pre-Approved Personal Loan rate tables · PAPL rate tables by customer route and band · accessed 8 Oct 2026Open official source ↗

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