PNB Personal Loan Apply : पीएनबी दे रहा है आधार कार्ड पर ₹50000 से ₹100000 तक का लोन, ऐसे करें अप्लाई

PNB Personal Loan – Eligibility, Rates, Documents & Online Application

Punjab National Bank (PNB) offers personal loans with flexible amounts and competitive interest rates. Whether you need funds for an emergency expense or a planned investment, PNB’s streamlined process lets you apply online with minimal paperwork.

Key Features

• Interest rate: 8.90% – 14.45% (varies by applicant profile)
• Loan amount: ₹50,000 to ₹15,00,000
• Repayment tenure: up to 5 years
• Processing fee: 1% of the sanctioned loan amount
• Minimum monthly income: ₹30,000

Eligibility Criteria

Interest Rates by Category

Required Documents

• Applicant’s Aadhaar card
• Address proof (Voter ID, utility bill, etc.)
• Residence proof
• Income proof (salary slips, IT returns for last 3 years)
• Bank statements for last 6 months
• Registered mobile number
• Passport‑size photograph
• Email ID

How to Apply Online

1. Visit the official PNB website: https://www.pnbindia.in
2. Navigate to **Loans** > **Personal Loan Scheme For Public**.
3. Select **Retail Loan** and then click **Personal Loan**.
4. Fill in the application form with accurate personal and financial details.
5. Upload the required documents and submit the form.
6. Upon verification, the sanctioned amount will be credited to your account within 15 days.

Benefits of PNB Personal Loan

• Quick disbursement – funds reach your account within 15 days.
• No need for agents; direct online application.
• Competitive interest rates based on salary, non‑salary and pensioner categories.
• Easy repayment options over a maximum of 5 years.

Official Links

• PNB Official Website: https://www.pnbindia.in
• Customer Care (toll‑free): 0120‑2490000

FAQ

• What credit score is required? A minimum credit score of 650 is mandatory.
• What is the processing fee? The bank charges 1% of the sanctioned loan amount as processing fee.
• How long does the loan disbursement take? Funds are credited within 15 days after approval.
• Can pensioners avail this loan? Yes, pension holders are eligible at an interest rate of 10.75% p.a.
• What is the maximum loan tenure? The loan must be repaid within 5 years.
• Is there a minimum monthly income requirement? Yes, a minimum monthly income of ₹30,000 is required.
• Which documents are mandatory? Aadhaar, address proof, residence proof, income proof, 6‑month bank statements, mobile number, photo, and email ID.
• How can I contact PNB for queries? Call the toll‑free number 0120‑2490000.

Conclusion

Punjab National Bank’s personal loan offers a convenient, fast, and transparent solution for borrowers across India. By meeting the eligibility criteria, preparing the required documents, and following the simple online steps, you can secure a loan ranging from ₹50,000 to ₹15,00,000 at competitive rates. Use the official PNB portal for a hassle‑free application and enjoy the benefits of quick fund disbursement and flexible repayment.

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