Personal, home, vehicle & other loans

PNB Pride Car Loan

PNB's concessional car-loan route for qualifying government, defence, paramilitary and employees and government pensioners.

PNB Pride car rate rowsNew car, fixed: 8.65% p.a. non-EV; 8.60% EV. Old-car Women/PNB Pride/Corporate group: floating 9.45%; fixed 10.45% p.a.Maximum finance (linked public scheme)Up to 25× gross monthly salary/pension/income, capped at ₹1 crore for individuals/proprietorships, as under PNB Car Loan for Public.Maximum repayment period (linked public scheme)New vehicle: up to 84 EMIs; old vehicle: up to 60 EMIs for a vehicle not over 3 years old. Final repayment age: 70 for salaried borrowers with pension/pensioners; 65 for others.

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✓ 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 typeCar loan under PNB's public car-financing scheme for government employees and pensioners.View source

The page adopts the purpose, quantum, margin, security and repayment terms of PNB's public car-loan scheme.

Source: PNB Pride Car Loan
Page / section: Purpose
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

PNB Pride car rate rowsNew car, fixed: 8.65% p.a. non-EV; 8.60% EV. Old-car Women/PNB Pride/Corporate group: floating 9.45%; fixed 10.45% p.a.View source

New-car fixed values are on the PNB Pride row; old-car rate cells are shared with Women/PNB Pride/Corporate group. The old-car floating formula is separately printed.

Source: PNB Retail Advances — current vehicle-loan rate tables
Page / section: Sections 2.1 and 2.2, PNB Pride borrower rows and footnote
Accessed: 8 Oct 2026
Confidence: high

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Floating-rate benchmarkOld-car Women/PNB Pride/Corporate group floating rate: RLLR + BSP + 1.35%; PNB prints the current rate as 9.45% p.a.View source

Do not attribute the old-car floating formula to the PNB Pride new-car fixed-only row.

Source: PNB Retail Advances — current vehicle-loan rate tables
Page / section: Section 2.2 old-car PNB Pride group; Section 2.1 new-car PNB Pride row
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Minimum income (linked public scheme)₹25,000 net monthly salary, pension or income; no minimum with 110% liquid term-deposit security, as under PNB Car Loan for Public.View source

PNB Pride page links income conditions to the public car-loan scheme; the exact public threshold and security exception are cited.

Source: PNB Car Loan for Public — current scheme page
Page / section: Income Criteria; PNB Pride page refers its income terms to this scheme
Accessed: 8 Oct 2026
Confidence: high

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Maximum finance (linked public scheme)Up to 25× gross monthly salary/pension/income, capped at ₹1 crore for individuals/proprietorships, as under PNB Car Loan for Public.View source

PNB Pride page adopts public scheme's quantum rules; Pride eligibility itself remains government/defence/-specific.

Source: PNB Car Loan for Public — current scheme page
Page / section: Quantum of Finance; PNB Pride page links to public car scheme
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Maximum repayment period (linked public scheme)New vehicle: up to 84 EMIs; old vehicle: up to 60 EMIs for a vehicle not over 3 years old. Final repayment age: 70 for salaried borrowers with pension/pensioners; 65 for others.View source

PNB Pride page adopts public scheme's repayment conditions.

Source: PNB Car Loan for Public — current scheme page
Page / section: Repayment (Maximum); Pride page links to public scheme
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Processing and documentation chargesNil upfront/processing charge and nil documentation charge under PNB Pride.View source

The Pride page explicitly waives processing/upfront and documentation charges.

Source: PNB Car Loan for PNB Pride customers — current scheme page
Page / section: Processing/upfront and documentation charges
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Prepayment charge (linked public scheme)As under PNB Car Loan for Public: floating rate nil; fixed rate 2% of outstanding prepaid, with own-source and published rate/term-change exceptions.View source

Pride's page refers prepayment terms to the public vehicle-loan scheme; the current public schedule is stated.

Source: PNB Car Loan for Public — current scheme page
Page / section: Prepayment Charges; PNB Pride page links to public scheme
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Benefits and features

PNB Pride pricing is stated irrespective of score
New-car fixed rate row: 8.65% for other-than-electric vehicles and 8.60% for electric vehicles; the Pride new-car row has no floating rate printed
Old-car Pride group: floating 9.45% and fixed 10.45% p.a.
Processing/upfront and documentation charges waived
Income, quantum, security, repayment and prepayment terms follow PNB Car Loan for Public

Eligibility

Central/State Government employees, Defence personnel, Paramilitary Forces, Central/State Government pensioners and the employee group named in PNB's rate-page footnote. The linked public car scheme's income, finance, age and vehicle conditions also apply.

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

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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₹21,934twenty-one thousand nine hundred thirty-four rupees

Interest paid over the full loan₹27,64,042twenty-seven lakh sixty-four thousand forty-two rupees

Everything you repay₹52,64,042fifty-two lakh sixty-four thousand forty-two 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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TableRuleChoose column

Minimum income · Published term₹25,000 net monthly salary/pension/income; no minimum with 110% liquid security

This value is copied from PNB Pride Car Loan — linked public vehicle-scheme terms. Check the table notes before relying on it.

Source: PNB Car Loan for Public — current vehicle scheme terms · Income Criteria; Quantum Of Finance; Repayment (Maximum); Prepayment Charges Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 6 rows · 3 columnsPNB Pride Car Loan — linked public vehicle-scheme termsThe Pride page delegates these fields to PNB Car Loan for Public; the current public scheme provides the concrete limits and charge rules.View tableHide table

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PNB Pride Car Loan — linked public vehicle-scheme terms
Rule	Published term	Applies to
Minimum income	₹25,000 net monthly salary/pension/income; no minimum with 110% liquid security	Individuals and joint borrowers
Quantum	25× gross monthly salary/pension/income; ceiling ₹1 crore	Individuals and proprietorship concerns
New vehicle repayment	Up to 84	New car, van, jeep, or
Old vehicle repayment	Up to 60 ; vehicle not older than 3 years	Old car, van, jeep, or
Repayment age	Age 70 for salaried persons with pension and pensioners; age 65 for others	All vehicle-loan borrowers
Prepayment	Floating: nil; fixed: 2% of outstanding prepaid, with listed exceptions	Vehicle loans

PNB Car Loan for Public — current vehicle scheme terms · Income Criteria; Quantum Of Finance; Repayment (Maximum); Prepayment Charges · accessed 12 Sept 2026Open official source ↗

Table 2 · 8 rows · 2 columnsPNB Pride Car Loan — current linked scheme termsPNB Pride borrower scope and only those public-scheme terms PNB expressly links to the general car scheme.View tableHide table

Scroll sideways to view every column

PNB Pride Car Loan — current linked scheme terms
Parameter	Published value / condition
Eligible borrowers	Central/State Government employees, Defence personnel, Paramilitary Forces, government pensioners and employees named in the rate-sheet footnote.
Concession	PNB Pride page states concession irrespective of score.
New-car rate	Fixed: 8.65% p.a. non-EV; 8.60% EV.
Old-car group rate	Floating 9.45%; fixed 10.45% p.a. in shared Women/PNB Pride/Corporate group.
Minimum income/quantum	Linked PNB Car Loan for Public terms: ₹25,000 net monthly, with 110% term-deposit exception; up to 25× income/₹1 crore for individuals/proprietorships.
Repayment	Linked public scheme: new 84 ; old up to 60 /vehicle age ≤3 years; final repayment age 70/65 by borrower class.
Processing/documentation	Both waived under PNB Pride.
Prepayment	Linked public scheme: floating nil; fixed 2% outstanding prepaid with stated exceptions.

PNB Car Loan for PNB Pride customers — current page and linked schedules · Complete Pride page; current rate-table rows 2.1/2.2; linked public scheme terms · accessed 8 Oct 2026Open official source ↗

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PNB Pride Car Loan

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Loan repayment estimate

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Complete rates, limits and schedules

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