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Personal, home, vehicle & other loans

PNB Sahyog Personal Loan

PNB Sahyog is a separately named personal-loan scheme for public borrowers and agents. Its publishes borrower-specific take-home thresholds, finance limits and repayment; a current rate sheet varies pricing by borrower class and band.

PNB Sahyog rate by borrower and CIBIL bandSee the complete 13-row rate table on this page. PNB's 7 October 2026 sheet prints floating rates from 10.25% to 15.80% p.a. and fixed rates from 11.25% to 16.80% p.a.; the listed formulas and spreads are preserved in the table. These printed all-in figures predate RLLR 8.35% effective 8 October and are not refreshed customer offers.Maximum amountUp to 15× gross monthly salary, maximum ₹10 lakh.TenureRemaining service period or maximum 60 EMIs, whichever is earlier.
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Quick eligibility check

PNB Sahyog Personal Loan

0 of 8 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: Minimum take-home after deductions ₹15,000 in metro/urban centres or ₹10,000 in semi-urban/rural centres?

Published source: Minimum income

2Do you meet this requirement: Scheme-specific borrower categories and CIBIL bands have different rates?

3Do you meet this requirement: PNB's older general Personal Loan FAQ publishes materially different limits from the current dedicated Public scheme page?

4Do you meet this requirement: those terms have not been merged?

5Document checkDo you have this required document or proof: Completed personal-loan application and photograph?

Published source: Minimum income

6Document checkDo you have this required document or proof: KYC, age and address proof?

Published source: Minimum income

7Document checkDo you have at least one of these required documents: Salary/income proof and employer or LIC-agent evidence as applicable?

Published source: Minimum income

8Document checkDo you have this required document or proof: Bank statements and acceptable guarantee/security documents requested for the borrower category?

Published source: Minimum income
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ 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 typeDemand loan, term loan or overdraft personal finance under PNB Sahyog; the FAQ describes the public/LIC-agent personal-loan variant.View source
The official names PNB Sahyog as the personal-loan scheme for public/ agents and gives its amount, income and repayment rules.
Source
PNB Sahyog
Page / section
PNB Sahyog
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PNB Sahyog rate by borrower and CIBIL bandSee the complete 13-row rate table on this page. PNB's 7 October 2026 sheet prints floating rates from 10.25% to 15.80% p.a. and fixed rates from 11.25% to 16.80% p.a.; the listed formulas and spreads are preserved in the table. These printed all-in figures predate RLLR 8.35% effective 8 October and are not refreshed customer offers.Effective 7 Oct 2026View source
Every borrower-type/ row is transcribed into the product table. The bank-wide benchmark was revised the next day; no current all-in value is inferred.
Source
PNB Retail Advances — PNB Sahyog RIN rate matrix
Page / section
Section 7, PNB Sahyog RIN; page dated 7 October 2026
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Rate benchmark and spreadsPNB Sahyog uses RLLR + BSP with borrower/CIBIL-band spreads from +2.15 to +7.70 percentage points. PNB RLLR is 8.35% effective 8 October 2026; the page does not publish a current BSP value for recalculating each all-in rate.Effective 8 Oct 2026View source
The formula and band spreads are published; the current is a separate benchmark. No unknown is inferred.
Source
PNB Sahyog RIN rate matrix and current PNB
Page / section
Section 7 and PNB row effective 8 October 2026
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum take-home after deductions ₹15,000 in metro/urban centres or ₹10,000 in semi-urban/rural centres.View source
The Sahyog publishes the two location-based take-home thresholds.
Source
PNB Sahyog
Page / section
Question 2 — Income criteria
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountUp to 15× gross monthly salary, maximum ₹10 lakh.View source
The Sahyog states up to 15 times gross monthly salary and a ₹10 lakh cap.
Source
PNB Sahyog
Page / section
Question 1 — Amount
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureRemaining service period or maximum 60 EMIs, whichever is earlier.View source
The Sahyog publishes the 60- maximum and remaining-service limit.
Source
PNB Sahyog
Page / section
Question 4 — Repayment
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PrepaymentPart or full prepayment from the borrower's own identifiable sources is permitted at any stage without a prepayment penalty.View source
The permits partial or full prepayment from own identifiable sources at any stage without penalty. Keep the funding-source condition with the fact.
Source
PNB Personal Loan — current
Page / section
Can I prepay the loan? Are there any penalties?
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Processing and documentation chargesPNB's Personal Loan fee schedule lists 1.00% processing plus taxes; documentation ₹270 up to ₹2 lakh and ₹450 above ₹2 lakh. Sahyog's FAQ links to this schedule.View source
The Sahyog directs the borrower to PNB's charge schedule for processing/documentation; the schedule has a named Personal Loan row.
Source
PNB Retail Advances service charges and Sahyog
Page / section
Personal Loan charge row; Sahyog questions 5–6 link to the fee schedule
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Up to 15 times gross monthly salary, maximum ₹10 lakh
  • Minimum take-home after deductions: ₹15,000 in metro/urban centres or ₹10,000 in semi-urban/rural centres
  • Nil margin
  • Repayment within remaining service or up to 60
  • Partial or full prepayment from the borrower's own identifiable sources is permitted without penalty under PNB's Personal Loan

Eligibility

  • Scheme-specific borrower categories and bands have different rates; see the complete PNB Sahyog rate table on this product page.
  • PNB's older general Personal Loan publishes materially different limits from the current dedicated Public scheme page; those terms have not been merged.

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

Documents the bank lists

  • Completed personal-loan application and photograph
  • , age and address proof
  • Salary/income proof and employer or -agent evidence as applicable
  • Bank statements and acceptable guarantee/security documents requested for the borrower category

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 Personal Loan — current FAQofficial-faq-page · scoped-current-faq-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 Retail Advances Interest Rates — Personal Loansofficial-rate-sheet · current · accessed 30 Aug 2026
↗
PNB Retail Advances — housing rate-table applicability check for Digi CRGofficial-retail-rate-page · current-rate-page-spot-check · accessed 8 Oct 2026
↗
PNB Retail FAQ — Matritva, pensioner, Doctor's Delight and Sahyog sectionsofficial-faq-page · scoped-current-faq-sections-reviewed · accessed 8 Oct 2026
↗
PNB Sahyog — Personal Loan Scheme for Public/LIC Agents FAQofficial-faq-document · 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₹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.

Defence/paramilitary salary credited to PNB, including Rakshak Plus · bandNot applicable in this row

This value is copied from PNB Sahyog RIN — floating and fixed rate matrix. Check the table notes before relying on it.

Source: PNB Retail Advances — PNB Sahyog RIN rate matrix · Section 7, PNB Sahyog RIN; page dated 7 October 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 · 13 rows · 4 columnsPNB Sahyog RIN — floating and fixed rate matrixThe official table differentiates borrower class, salary route and CIBIL band. Printed all-in rates are dated 7 October 2026; RLLR changed effective 8 October, so these are not recalculated offers.View tableHide table

Scroll sideways to view every column

PNB Sahyog RIN — floating and fixed rate matrix
Borrower class and salary route bandFloating rate (7 Oct 2026)Fixed rate (7 Oct 2026)
Defence/paramilitary salary credited to PNB, including Rakshak PlusNot applicable in this row++2.15 pp (10.25%)11.25%
Government salary through PNB or qualifying Central Government gazetted officer800 and above++2.50 pp (10.60%)11.60%
Government salary through PNB or qualifying Central Government gazetted officer750–799, no history, -1/0++3.50 pp (11.60%)12.60%
Government salary through PNB or qualifying Central Government gazetted officer681–749++4.50 pp (12.60%)13.60%
Government salary through PNB or qualifying Central Government gazetted officerBelow 681++5.00 pp (13.10%)14.10%
Corporate/other employee salary through PNB or government employee without PNB salary account800 and above++3.50 pp (11.60%)12.60%
Corporate/other employee salary through PNB or government employee without PNB salary account750–799 or no history++4.50 pp (12.60%)13.60%
Corporate/other employee salary through PNB or government employee without PNB salary account681–749++6.50 pp (14.60%)15.60%
Corporate/other employee salary through PNB or government employee without PNB salary accountBelow 681++7.00 pp (15.10%)16.10%
Check-off employees800 and above++5.00 pp (13.10%)14.10%
Check-off employees750–799 or no history++5.50 pp (13.60%)14.60%
Check-off employees681–749++7.20 pp (15.30%)16.30%
Check-off employeesBelow 681++7.70 pp (15.80%)16.80%
PNB Retail Advances — PNB Sahyog RIN rate matrix · Section 7, PNB Sahyog RIN; page dated 7 October 2026 · accessed 8 Oct 2026Open official source ↗

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