PNB Personal Loan


PNB Personal loans are available with affordable interest rates and adaptable repayment terms. Age, income, employment position, and credit score are some variables that may affect eligibility requirements. Online and in-person branch applications are accepted by PNB for personal loans. The bank also provides quick loan approval and disbursement for clients who meet the eligibility requirements.

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Punjab National Bank Personal Loan

  • Interest Rate

    10.4% - 16.95%

  • Loan Amount

    Up to ₹20L

  • EMI Per Lakh

    ₹2,144 - ₹2,483

  • Processing Fees

    Up to 1% of the loan amount
  • Pre-Payment Charges


Features and Benefits of Punjab National Bank Personal Loan

The borrowers of the Punjab National Bank Personal Loan can avail of the following features and benefits:

  • The Bank offers a wide range of schemes catering to a diverse set of customers providing lucrative interest rates and minimal processing fees.
  • The bank offers several concessions to defence personnel and government employees. 
  • The Punjab National Bank has established an easy application procedure to ensure the timely disbursement of loans to cater to medical emergencies.
  • The Bank offers a flexible tenure of up to 84 months so that one can manage their EMI repayments without substantially affecting their budget.

Punjab National Bank Personal Loan Overview

Punjab National Bank is one of India's most renowned financial institutions. Headquartered in Delhi, this Public Sector Banks envelops the country through its 12,248 branches to cater to its customer base of 180 million customers. The Punjab National Bank Personal Loan is a financial product designed by the Bank to provide financial assistance to customers in India for personal purposes such as higher education and medical expenses, wedding loans and home renovations.

The bank has established a convenient procedure so customers can apply for the Punjab National Personal Loan without hassle. One must review the following factors before availing of this loan Product.

Punjab National Bank Personal Loan 

Interest Rates 10.45% - 16.70% per annum
Amount  Up to 20 Lakhs (With respect to the annual income of the applicant)
Tenure  Up to 84 Months
Processing Fee Upto 1% of the loan amount 
Documentation  Minimal

Documents Required for Punjab National Bank Personal Loan

The applicants must maintain the following documents to apply for a Punjab National Bank personal loan.

  • Passport Size Photographs with Loan Application 
  • Form 16 and Salary Slips 
  • ITR Returns for the Past three years. 
  • Other such documents requested by the Bank.

How Does the EMI Calculation Work for Punjab National Bank Personal Loans?

Punjab National Bank employs the following formulae to compute the EMI amount on the Personal Loan.

EMI = [P x r x (1+r)^n]/[(1+r)^n-1]


  • P is the Principal amount. 
  • r is the rate of interest on the loan 
  • n is the tenure of the repayment.

Punjab National Bank Personal Loan Customer Care Number

The Punjab National Bank has established various channels through which a customer can raise their queries with the Bank.

Customer Care Division  Toll-Free Number:
  • 1800 180 2222 
  • 1800 103 2222
Tolled Number: 
  • 0120 103 2222
  • 011 - 28044907


From refinancing to reducing your interest, we have the answers right here.

What benefits does Punjab National Bank provide on a Personal Loan?

The bank offers flexible tenure and lucrative interest rates on personal loans to borrowers.

Does Punjab National Bank have a fixed rate of interest on a personal Loan?

The interest rates offered range based on the scheme and the applicant.

What documents are required in Punjab National Bank for a Personal Loan?

The applicant must produce income proof such as salary slips and other identity proofs.

How to apply for a personal Loan in Punjab National Bank online?

One can avail of the net banking facility the bank has established to conclude the application online.

How to check personal Loan Status in Punjab National Bank?

The applicant can visit the nearest branch or review their application status online through net banking.

Does Punjab National Bank Check for CIBIL Score for Personal Loan?

Yes, as this loan product is unsecured, the bank reviews the CIBIL score of the applicant.

What is the maximum and minimum personal Loan amount I can get from Punjab National Bank?

One can avail of a loan amount of up to Rs 25 Lakhs.

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