If you are a customer of Punjab National Bank and you have suddenly got an emergency of money and you are thinking of taking Punjab National Bank Personal Loan, then in this article we will tell you how you can take Personal Loan from PNB Bank,
Loan How much Punjab National Bank Personal Loan interest rate will be charged on the amount, as well as how much loan you can get from PNB
Apart from this, what will be the eligibility for getting a loan and from which documents will you have to give while taking a personal loan from Punjab National Bank, you can know all these types of information through this article.
Punjab National Bank is the second largest public sector bank in the country and PNB provides instant personal loans to meet the personal needs of its customers, told you that PNB had a few months ago Central Government, State Government and PSU employees and launched PNB Insta Loan facility on its mobile banking app for pension account holders
Through which you can get a pre-approved personal loan of up to Rs 8 lakh in 4 clicks and a single OTP in the customer’s account within a few minutes by just entering their mobile number and Aadhaar number.
Punjab National Bank Personal Loan
Punjab National Bank offers personal loans to meet all your personal needs. Salaried and self-employed people can get Personal Loan from PNB and you do not need to give any kind of collateral and security to take the loan because Personal Loan comes in unsecured category.
The bank gives this loan on the basis of the customer’s financial record, civil score and salary, and compared to all other banks and NBFC institutions, the customer gets the maximum time from PNB to return the loan amount.
PNB Personal Loan Amount | How much personal loan will be available from Punjab National Bank Punjab National Bank offers personal loans to salaried and self-employed individuals based on their CIBIL score, salary and financial history with a minimum of Rs.50,000 and a maximum of Rs.20 lakh
But PNB Employees,public,Doctors and Pensioners Gives different personal for different, so the minimum and maximum loan amount can be different from each other. Punjab National Bank Personal Loan Interest Rate | PNB PERSONAL LOAN INTEREST RATE PNB is one of the banks that charge the lowest interest rate on personal loan as compared to other banks and NBFC companies.
Personal loan from Punjab National Bank can be taken with a minimum interest rate of 8.80% per annum, while the maximum annual interest rate can be 14.50%. Let us tell you that PNB offers many types of personal loans, the bank provides personal loans to pensioners at an interest rate of 10.15% per annum. PNB Personal Loan Tenure | PNB Personal Loan Repayment Tenure
Punjab National Bank gives the maximum time period to the customers to repay the loan, you can repay the loan taken from PNB within 12 months to 84 months i.e. from 1 year to 7 years, while taking the loan, you can repay the loan amount according to yourself. You can choose the time period.
The sooner you return the loan taken, the lower the interest rate you will have to pay, so choose the PNB Personal Loan Repayment Tenure according to your income. The bank offers personal loans to pensioners for a tenure of up to 5 years. Types of PNB Personal Loan | Types of PNB Personal Loan PNB offers various types of personal loans as per the employment of the applicants. conveys:
- Pnb Personal loan scheme for public
- Personal Loan Scheme for Doctors
- Personal Loan Scheme for Pensioners
- Pnb Personal loan scheme for public
PNB gives this loan to salaried individuals to meet their personal needs such as marriage, education, travel, medical emergency or any other personal requirement. Under this loan, you can take a loan of up to 24 times your monthly salary, but a maximum of 20 Should not be more than one lakh.
“Loan Tenure You will have to repay this loan within 72 months. You will be charged zero prepayment charges for taking this personal loan. 1% of the loan amount will have to be paid as a processing fee. If you are a self-employed professional, then you can get a loan amount of 10 times your gross monthly income of 2 years but it should not be more than 5 lakhs. Document charge on loan up to Rs.2 lakh Rs. 270+GST and Rs 450+GST above Rs 2 lakh.
Personal Loan Scheme for Doctors
PNB provides this loan exclusively to practicing and serving doctors only, if you are a doctor and want to take a personal loan, then this loan is a better option for you, to take a loan, your net annual income should be Rs 5 Lakh or more. Needed
Under this Personal Loan Scheme, you can get a minimum loan amount of Rs 2 lakh and a maximum of Rs 20 lakh or 24 times your monthly salary. The bank offers you a loan tenure of up to 84 months i.e. 7 years. In taking this loan, 0.90% of the loan amount will have to be paid on the basis of the processing fee. Documentation Charges Rs 450+GST Personal Loan Scheme for Pensioners This personal loan has been specially brought for the pensioner and only pensioners can take advantage of it, if you have a pension account in any branch of Punjab National Bank, then you can take advantage of it.
In this scheme, you will get a minimum loan amount of Rs 25,000, while people up to the age of 70 years can get a maximum loan of Rs 10 lakh or 18 times the monthly salary. If you are defense pensioners then minimum 25,000 and maximum 10 lakh rupees or 20 times of monthly pension. If your age is between 70 to 75 years, then you can get minimum 25000 and maximum 7.5 lakh rupees. If the age is more than 75 years then minimum 25000 and maximum 5 lakh rupees can be given. Loan tenure from 1 year to 60 months or till the age of 78 years whichever is earlier. No processing fee will have to be paid for taking this loan.
Documentation Charges Rs 500 +GST PNB Personal Loan Eligibility Criteria The following eligibility has been kept for applying under each scheme to take Punjab Nation Bank Personal Loan such as: Personal Loan for Public Your age should be minimum 21 years and maximum 60 years. Monthly income should be at least 30 thousand rupees. Your salary should be received through PNB account. Central, State, PSU or any private sector employee is eligible but his service should be at least 2 years old. Both salaried and self-employed people can apply.
Only the doctor will get the benefit of this scheme. Whether you are in service or practicing, you are eligible to take a loan if your annual income is at least Rs 5 lakh or more. You must have lived where you are living for at least two years. Personal Loan for Pensioner Any pensioner who receives his pension in a Punjab National Bank branch can apply for a personal loan.
Punjab National Bank Personal loan Required Documents
You will need the following documents while taking a PNB personal loan:
- 2 passport-size photo
- Aadhar card
- PAN card
- age certificate
- If you are a salaried person, then salary slips of the last 3 months.
- Bank statement of last 6 months for self-employed or ITR/Form 16 of 2 years,
- If you are a doctor, then educational qualification proof or last 1 year’s bank account statement or ITR / Form 16.
PNB Personal Loan Online Apply Kaise Kare
Follow the steps mentioned below to apply for Punjab National Bank personal loan online: First of all go to the official website of PNB pnbindia.in. After this, the option of Loans will appear on the home page, click on it, then click on Personal Loan. Now choose the type of loan according to you and you have to read all the information related to it.
Now to apply, you have to click on the menu on the left side and apply online loan in online service. Now you have to click on Retail Loan then click on Personal Loan. Now your application form will open if you are PNB customer then select Yes otherwise No. If you select yes, then first enter your Customer ID which is written on your passbook, then click on verify. Now select loan type and then select Loan Purpose.
After that select your name, desired loan amount, date of birth, gender, marital status and residential status and enter your PNB registered mobile number and click on verify. After this fill the Email, PAN No, Permanent Address, Present Address, Branch Details below and click on proceed. After this upload the documents and fill the rest of the information and click on submit.
If your loan is approved, then its message will be received on your mobile number. In this way you can apply PNB Personal Loan Online
PNB Personal Loan Offline Apply
If you want to apply for a personal loan offline, then you will have to go to your branch, talk to the loan department about it, then fill the form and attach the documents and submit it, after which the documents will be verified by the bank, if everything is fine. If found, money will be transferred to your account.