Punjab National Bank Personal Loan

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Punjab National Bank Personal Loan

Have you decided to buy a new car and planning to go on a long trip with your family and friends. Punjab national bank offers personal loans Now, don’t wait to apply and make your dream true.

Personal Loan Features & Benefits

Features

Loan starting from 6.80% Onwards
Minimal processing fee levied
Digital Processing accessible by PNB
Flexible repayment option
Benefits

Personal loan tax benefits are available
Up to 30 years of longest tenure
PMAY Subsidy scheme available
Punjab National Bank Various Types of Personal Loans

Punjab National Bank offers some personal loan schemes for the public, doctors and pensioners with different rate of intrest shown in table:-

Personal Loan Schemes:

Personal loan scheme Best for Interest rate
Personal loan scheme for public Salaried individual 8.95% to 14.50%
Personal loan for doctor Doctor 8.95% onwards
Personal loan for pensioners Retired individuals 9.3% onwards

Punjab ...
... National Bank Personal Loan Scheme for Public - The Public is eligible for this scheme, applicants have to be permanent employees in the State or Central Government, minimum annual income of Rs.4 lakh and applicant should have paid tax over the last 3 financial years.

Punjab National Bank Personal Loan Scheme for Pensioners: -Pensioners to be eligible for this scheme, the applicant has to be drawing pension from any branch of PNB.

Punjab National Bank Personal Loan Scheme for Doctors: - Doctors are eligible for this scheme, the applicant should earn a minimum annual salary of Rs.5 lakh, should have paid tax for the last years, and should be in current residence for 2 years.

Punjab National Bank Personal Loan rates of interest & Processing fees

Interest Rate 8.95% p.a. to 14.50% p.a.
Loan Tenure Up to 84 months
Loan Amount Up to Rs.15 lakh
Loan Tenure Up to 84 months

Type of Other Charges by Punjab National Bank Personal Loan

Loan processing charges: - 1% of the loan applied + GST.

Part or full prepayment Charges: - Generally part or full prepayment charges is applicable in fixed interest rates rather than floating interest rates.

Cheque bounce charges: - For 1st time cheque bounce you will be charged 750/- + GST & for 2nd time you will be charged 1000/- + GST.

Overdue charges: - Unpaid EMI for delayed period will be levied 24% per annum.

Account statement Charges: - Through online can access account statement for free of cost if request received to branch charges will be levied 500/- + GST.

Changing repayment mode: - For changing repayment mode swapping will be charged 750/-.

Loan pre-closure statement: - A charge of 750/- applicable.

Change of ROI: - In Punjab national bank rate of interest available both fixed & floating when you change fixed interest rate to floating rate 3% of POS + GST respectively changing floating rate to fixed interest rate levied 0.5% POS + GST.

CIBIL Checking Charges: - For checking your CIBIL report you will be charged 50/-.

MODT/Registration of Charge - Fore Creation/Cancellation of registration a charge of 500/- + GST levied.

Punjab National Bank Personal Loan Eligibility criteria

You are not too far from reaching your goal, take a one-step ahead to confirm whether your eligibility matches their requirements if yes then happy or no, then try to match yourself by given details-

Applicant must be resident of India
Applicant age should be in-between 21 to 63 years
Applicant should have a regular source of income might be salaried or self-employed (salaried individuals required last 3 months' Salary Slips and, Bank Statements of 6 months and Self-Employed Individuals required a last 1-year bank statement for both savings account and current account.)

Punjab National Bank Personal Loan Documents -

Salaried applicant Self-Employed applicant
Loan application form with passport size photographs Loan application form with passport size photographs
Id proof with a unique identification

Pan card
Aadhar card
Driving licence
Voter id card
Id proof with a unique identification

Pan card
Aadhar card
Driving licence
Voter id card
Educational qualification proof Educational qualification proof
Age proof Age proof
Proof of official address and residential address.

PAN Card
Passport
Aadhaar Card
Driving License
Election/ Voter’s ID Card
Property/ Municipal Tax receipt
Proof of official address and residential address PAN Card

Passport
Aadhaar Card
Driving License
Election/ Voter’s ID Card
Property/ Municipal Tax receipt
Income proof:

Last 3-month payslip

Bank statement of last 6 months

Income proof:-

Last 3-month payslip

Bank statement of last 6 months

How Punjab National Bank Personal Loan apply online?

Have you decided to get a loan so you don’t need to go outside just simply follow these steps for Punjab national bank personal loan apply online:-

Step 1 - You can apply for a Punjab National Bank personal loan by visiting their website site https://www.pnbhousing.com/ or visit the nearest Punjab national branch bank.

Step 2 – Then download the application form online or request the bank branch to share the loan application.

Step 3 –After successful download of application you need to fill the required columns with correct value where it includes personal, employment & property details. Also, make sure you attach all relevant documents & submit them.

Step 4- Wait for approval. you will receive a loan permitted &, the loan amount will be credited in your account.

Punjab National Bank Personal Loan FAQ

Which purpose I Can Get Punjab National Bank Personal Loan?

You can get PNB Personal Loan to meet all types of your personal needs. It is a multipurpose loan that can be used to meet an expense

How to use Punjab National Bank Personal Loan calculator?

Checking Punjab national bank personal loan calculator is much easier to use, you just need to enter net monthly income, interest rate & existing EMI’s to know your monthly payable EMI & eligible loan amount in seconds.

How much salary you should have to get Punjab National Bank Personal Loan?

Applicants should earn a minimum of 30,000 monthly salaries then only they will be eligible for personalloan

How much Personal Loan amount can I get from Punjab National Bank?

Generally, the PNB housing loan provide up to 90% of property value as a maximum loan amount & various factors are considered in terms of determining eligible loan amount.

How can I apply for a PNB Personal Loan offline?

It is easy to apply for a PNB personal loan offline. You can visit the nearest PNB branch to apply for a personal loan. You must have to carry required & necessary documents to apply for a PNB personal loan.

What is the Punjab National Bank Personal Loan eligibility criteria?

Your minimum monthly income must be 30,000 to avail of a personal loan from PNB. The bank considers your income to determine your eligibility. Your ability to make EMI payments is justify based on income earned.

What is the Punjab National Bank Personal Loan rate of interest?

The PNB Personal loan interest rates are @ 8.70% to 14.25%.

Punjab National Bank Personal Loan customer care number

For further query, you can directly visit Punjab National Bank Site and fill in basic details and continue online chart, or you can directly call on Punjab national bank personal loan contact number 1800 120 8800

READ MORE CLICK HERE :- personalloan

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