What is the loan amount I can get from PNB?

Up to ₹10 lakh for salaried individuals and ₹3 lakh for pensioners under 65. .

Who can be a guarantor for a PNB personal loan?

Spouse, major son, a third party, or mutual guarantor.

How is PNB personal loan interest calculated?

Based on 1-year MCLR plus applicable spread.

How to check PNB personal loan status?

Visit PNB’s loan tracking portal and enter your details.

How to contact PNB customer care?

Call 1800 180 2222 or email care@pnb.co.in.

Is income proof required for a PNB personal loan?

Yes, to assess your repayment capacity.

Punjab National Bank (PNB) Personal Loan 2025

Punjab National Bank offers three personal loan schemes with interest rates starting at as low as 10.55% p.a. - 17.55% p.a. and attractive repayment terms.

Interest Rate - 9.40% p.a. to 17.05% p.a.
Loan Amount - Up to Rs.20 lakh
Loan Tenure - Up to 84 months
Processing Fee - Up to 1% of the loan amount

Updated On - 05 Sep 2025

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Punjab National Bank offers personal loans up to Rs.20 lakh under the 'Personal Loan Scheme for Public' scheme at interest rates starting from just 12.00% p.a. The repayment tenure extends up to 72 months, and the processing fees levied is up to 1% of the loan amount.

The bank also offers loans of up to Rs.20 lakh under the 'PNB Doctor's Delight - Personal Loan Scheme to Doctor' scheme for a maximum tenure of up to 84 months.

This lender offers personal loans to help you meet your immediate financial expenses. Whether you need to consolidate your debt, pay for your child's wedding, take off on an exotic vacation, or anything of the sort, personal loans from Punjab National Bank can be availed at attractive rates to help you fulfill your dreams.

PNB Personal Loan Fees and Charges

Loan Schemes	Interest Rate	Processing Fees
Personal Loan Scheme for Public	9.40% p.a. onwards	1% of the Loan Amount
Personal Loan Scheme for Pensioners	10.85% p.a. onwards	Nil

Note: The above-listed rate of interest are as on 8 August 2025 and are subject to change at the discretion of the bank.

Different Personal Loans offered by PNB

The different personal loans that are offered by PNB are mentioned below:

Personal Loan for Working Woman During Perinatal Period - ‘PNB Matritva’

Personal Loan Scheme for Life Insurance Corporation (LIC) of India Employees

Personal Loan Scheme for Public

Personal Loan Scheme for Doctors

Personal Loan Scheme for Pensioners

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Punjab National Bank Personal Loan Amount by Scheme

Personal Loan Scheme for Public

Up to 24 times of the gross monthly income of the applicant subject to a maximum amount of Rs.20 lakh.

Personal Loan Scheme for Doctors

Rs.2 lakh to Rs.20 lakh or 24 times of the gross monthly income, whichever is lower. This is subject to a minimum net annual income of Rs.5 lakh or more.

Personal Loan Scheme for Pensioners

Rs.25,000 to Rs.10 lakh or 18 times of the net monthly pension for pensioners who are up to 70 years old.
Rs.25,000 to Rs.10 lakh or 20 times of the net monthly pension for defence pensioners who up to 70 years old.
Rs.25,000 to Rs.7.5 lakh or 18 times of the net monthly pension for pensioners who are between 70 and 75 years old, whichever is lower.
Rs.25,000 to Rs.7.5 lakh or 18 times of the net monthly pension for defence pensioners who are between 70 and 75 years old, whichever is lower.
Rs.25,000 to Rs.5 lakh or 12 months' worth of pension amount for pensioners who are older than 75 years of age, whichever is lower.

Personal Loan for Working Woman During Perinatal Period - ‘PNB Matritva’

Rs.25,000 to Rs.3,00,000

Personal Loan Scheme for LIC of India Employees

Up to 24 times of the gross monthly income of the applicant subject to a maximum amount of Rs.20 lakh.

Eligibility Criteria for PNB Personal Loan

Here are the eligibility criteria for Personal Loan Scheme for Public:

Must be a permanent or confirmed defence personnel, such as officials of Central Reserve Police Force, Military Station Headquarters, Indo Tibetan Border Police, Central Industrial Security Force, Border Security Force, etc.
Must be a permanent or confirmed employee of the State or Central Government, Public Sector Units, or reputed institutions or colleges including schools, autonomous bodies, universities, nursing homes, hospitals, etc. who draw their salary via Punjab National Bank accounts.
Must be professionally qualified doctors whose annual income is Rs.4 lakh or more.

Eligibility criteria for Personal Loan Scheme for Doctors:

Must be a professionally qualified doctor whose net annual income is Rs.5 lakh or more.
Must have a continued occupancy at the present residence for at least two years.

Eligibility Criteria for Personal Loan Scheme for Pensioners:

Must be a pensioner who draws pension through a Punjab National Bank branch.

Eligibility Criteria for Personal Loan for Working Woman during Perinatal Period - ‘PNB Matritva’

All permanent/confirmed female employees who work at reputed companies, PSUs, State Government, or Central Government. The employee must draw salary from PNB.

Eligibility Criteria for Personal Loan for LIC of India Employees

Permanent/confirmed employees of LIC of India. The employee must have worked at least for a year.

Check Your Eligibility

Documents Required for PNB Personal Loan

Duly completed loan application form with photographs
Form 16 or latest salary slips in case of salaried individuals
Income Tax Returns for the past 3 financial years along with address proof and age proof in case of self-employed individuals
Any other documents as requested by the bank

Personal Loan Offered by other Banks in India

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FAQs on PNB Personal Loan

What is the loan amount I can get from PNB?
Up to ₹10 lakh for salaried individuals and ₹3 lakh for pensioners under 65.
Who can be a guarantor for a PNB personal loan?
Spouse, major son, a third party, or mutual guarantor.
How is PNB personal loan interest calculated?
Based on 1-year MCLR plus applicable spread.
How to check PNB personal loan status?
Visit PNB’s loan tracking portal and enter your details.
How to contact PNB customer care?
Call 1800 180 2222 or email care@pnb.co.in.
Is income proof required for a PNB personal loan?
Yes, to assess your repayment capacity.

Important Personal Loan Pages

Personal Loan Eligibility by Banks

Personal Loan Interest Rates by Bank

Personal Loan EMI Calculator by Bank

Personal Loan Customer Care by Bank

Personal Loan Status Track by Bank

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