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Personal, home, vehicle & other loans

PNB Swaagat Personal Loan

A digital, branch-free personal loan for new-to-PNB salaried customers, from ₹25,000 up to ₹10 lakh, with repayment up to 72 months or age 60.

PNB Swaagat rate by CIBIL bandSee the three-row rate table on this page. PNB's 7 October 2026 sheet prints floating rates of 10.60%, 11.60% and 12.60%, with fixed rates 11.60%, 12.60% and 13.60% respectively. The printed values predate the 8 October RLLR revision and are not recalculated offers.Maximum amount₹25,000 minimum to ₹10 lakh maximum; up to ₹6 lakh is available through the single-OTP journey.TenureUp to 72 months, or until the borrower reaches age 60, whichever is earlier.
Official product page ↗Compare category

Quick eligibility check

PNB Swaagat Personal Loan

0 of 5 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: Salaried applicant must maintain a fully KYC-compliant salary or savings account with any bank other than PNB?

2Does your age meet this requirement: age must be above 21 and no more than 60 years at repayment?

3Document checkDo you have this required document or proof: KYC and identity/address proof?

Published source: Minimum income

4Document checkDo you have this required document or proof: Salary-account and income verification?

Published source: Minimum income

5Document checkDo you have this required document or proof: e-NACH mandate and digital consent?

Published source: Minimum income
0 of 5 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 typeDigital personal term loan for new-to-bank salaried customers.View source
The official page calls this a New To Bank Personal Loan and describes an end-to-end digital journey.
Source
PNB Swaagat — New to Bank Personal Loan
Page / section
Highlights and Features/Guidelines
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PNB Swaagat rate by CIBIL bandSee the three-row rate table on this page. PNB's 7 October 2026 sheet prints floating rates of 10.60%, 11.60% and 12.60%, with fixed rates 11.60%, 12.60% and 13.60% respectively. The printed values predate the 8 October RLLR revision and are not recalculated offers.Effective 7 Oct 2026View source
The product-specific three-band rates are included in the product table; these rates are not refreshed using an assumed .
Source
PNB Retail Advances — Swaagat rate table
Page / section
PNB Swaagat rate table by band
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Swaagat rate benchmarkRLLR + BSP with CIBIL-band spreads. PNB RLLR is 8.35% effective 8 October 2026; PNB's current rate sheet does not give the BSP needed to refresh the 7 October printed all-in figures.Effective 8 Oct 2026View source
The published formula is preserved separately from the printed all-in percentage.
Source
PNB Swaagat rate table and current PNB
Page / section
Swaagat -rate section; effective 8 October 2026
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Maximum amount₹25,000 minimum to ₹10 lakh maximum; up to ₹6 lakh is available through the single-OTP journey.View source
The official page publishes both the ₹25,000 floor and ₹10 lakh ceiling.
Source
PNB Swaagat — New to Bank Personal Loan
Page / section
Highlights and Features/Guidelines
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureUp to 72 months, or until the borrower reaches age 60, whichever is earlier.View source
The official page specifies a 72-month maximum and age-at-repayment limit.
Source
PNB Swaagat — New to Bank Personal Loan
Page / section
Features/Guidelines
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • End-to-end digital journey through disbursement
  • No branch visit required
  • Single- journey for loans up to ₹6 lakh
  • Loan amount ₹25,000 to ₹10 lakh
  • Repayment up to 72 months

Eligibility

  • Salaried applicant must maintain a fully -compliant salary or savings account with any bank other than PNB; age must be above 21 and no more than 60 years at repayment.

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

Documents the bank lists

  • and identity/address proof
  • Salary-account and income verification
  • e- mandate and digital consent

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 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
↗
Retail Advances — PNB current rate tableofficial-rate-table · 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
↗
Services Charges Related to Retail Advances — PNBofficial-service-charge-page · current · accessed 30 Aug 2026
↗
PNB Swaagat — New to Bank Personal Loanofficial-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₹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.

800 and above · Floating formula and printed rate++2.50 pp (10.60%)

This value is copied from PNB Swaagat — -band floating and fixed rates. Check the table notes before relying on it.

Source: PNB Retail Advances — Swaagat rate table · PNB Swaagat rate table by band; 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 · 3 rows · 3 columnsPNB Swaagat — CIBIL-band floating and fixed ratesView tableHide table

Scroll sideways to view every column

PNB Swaagat — CIBIL-band floating and fixed rates
bandFloating formula and printed rateFixed rate
800 and above++2.50 pp (10.60%)11.60%
750–799++3.50 pp (11.60%)12.60%
700–749, including -1/0/no-hit/nil where stated++4.50 pp (12.60%)13.60%
PNB Retail Advances — Swaagat rate table · PNB Swaagat rate table by band; page dated 7 October 2026 · accessed 8 Oct 2026Open official source ↗

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