PNB Personal Loan Online Apply : पीएनबी दे रहा है आधार कार्ड पर ₹50000 से ₹100000 तक का लोन, ऐसे करें अप्लाई
Step‑by‑step guide to apply for Punjab National Bank personal loan, eligibility, documents, interest rates and FAQs.
📅 Updated19 Mar 2024
📂 CategorySarkari Yojana
🔥 StatusLATEST UPDATE
PNB Personal Loan Online Application Guide
Punjab National Bank (PNB) offers personal loans with flexible interest rates and a simple online application process. Whether you need funds for an emergency, education, or any personal purpose, this guide provides all the essential information—eligibility criteria, required documents, interest rates, processing fee, and step‑by‑step instructions to apply online.
About PNB Personal Loan
PNB’s personal loan scheme caters to salaried individuals, pensioners, and self‑employed professionals. The loan amount ranges from ₹50,000 to ₹15,00,000, with repayment tenure up to 5 years.
Eligibility Criteria
Age: 21 – 58 years
Minimum monthly income: ₹30,000
Credit score: 650 or higher
Indian citizenship and a valid PNB account (preferred but not mandatory)
Interest Rates & Fees
Salary account holders (₹1,00,000‑₹10,00,000)
8.95% per annum
Non‑salary borrowers (₹5,00,000‑₹10,00,000)
10.30% per annum
Pension holders
10.75% per annum
Processing fee
1% of loan amount
Required Documents
Aadhaar card
Address proof (Voter ID, passport, or utility bill)
Residence proof
Income proof (salary slips or IT returns for the last 3 years)
Bank statements for the last 6 months
Registered mobile number
Passport‑size photograph
Email ID
How to Apply Online
Visit the official Punjab National Bank website.
Navigate to the Loans section.
Select Personal Loan Scheme For Public.
Click on Retail Loan and then choose Personal Loan.
Fill in the online application form with accurate personal and financial details.
Upload the required documents and submit the application.
Await verification; approved loans are disbursed within 15 days to the borrower’s bank account.
Benefits of PNB Personal Loan
Quick online application without the need for an agent.
Fast disbursal—typically within 15 days of approval.
Competitive interest rates based on salary, non‑salary, or pension status.
Flexible repayment tenure up to 5 years.
Official Links
For the latest information and to start your application, visit the official PNB website.
FAQs
What credit score is required for a PNB personal loan? Minimum credit score of 650.
What is the age limit for borrowers? Applicants must be between 21 and 58 years old.
How much can I borrow? Loan amounts range from ₹50,000 to ₹15,00,000.
What is the processing fee? The bank charges a processing fee of 1% of the loan amount.
How long does it take to get the loan disbursed? Approved loans are usually credited within 15 days.
Is there a separate rate for pensioners? Yes, pension holders enjoy a rate of 10.75% per annum.
What documents are mandatory? Aadhaar, address proof, residence proof, income proof, bank statements, mobile number, photo, and email ID.
What is the PNB customer care toll‑free number? 0120‑2490000.
Conclusion
Punjab National Bank’s personal loan offers a convenient, fast, and transparent financing solution for a wide range of borrowers. By meeting the eligibility criteria, preparing the necessary documents, and following the simple online application steps, you can secure the required funds with minimal hassle. Use this guide as your reference to navigate the process confidently.