PNB ₹1 Lakh Personal Loan 2026 : Rate & EMI

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The PNB personal loan of ₹1 lakh is a personal credit option offered by Punjab National Bank for meeting regular financial needs. It can be used for medical costs, travel, family expenses or other personal requirements. The loan does not require any collateral and is repaid through monthly instalments. The PNB personal loan interest rate for 1 lakh varies based on the applicant profile, income and bank guidelines. Approval and disbursal depend on eligibility and document verification.

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1 Lakh Punjab National Bank Personal Loan EMI Calculator

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  • 50 K
  • 1 Cr
Years
  • 1
  • 5
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  • 8
  • 25

Monthly Loan EMI

Payment Breakdown:

Principal Amount

₹1,00,000

Interest Payable

Total Amount Payable

Table of Content

1. What is a PNB Personal Loan of 1 Lakh?

2. What are the Key Features of a PNB Personal Loan of 1 Lakh?

3. What are the Eligibility Criteria for a PNB Personal Loan of 1 Lakh?

4. What are the Documents Required for a PNB Personal Loan of 1 Lakh?

5. What are the Fees and Charges for a PNB Personal Loan of 1 Lakh?

6. What are the Repayment Options for a 1 Lakh PNB Personal Loan?

7. 1 Lakh PNB Personal Loan EMI Upto 5 Years

8. EMI on 1 Lakh PNB Personal Loan at Different Interest Rates

9. How to Apply for a 1 Lakh PNB Personal Loan On Urban Money?

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What is a PNB Personal Loan of ₹1 Lakh?

A PNB personal loan of ₹1 lakh is an unsecured loan offered by Punjab National Bank for personal financial needs. It helps manage urgent expenses with easy repayment through monthly instalments.

  • No collateral or security is needed
  • Fixed loan amount of ₹1 lakh
  • Simple and quick loan application process
  • Flexible repayment tenure as per bank terms
  • Can be used for any personal requirement

What are the Key Features of a PNB Personal Loan of ₹1 Lakh?

PNB personal loan interest rates for a ₹1 lakh loan typically range from 10.25% to 16.80% p.a., depending on your income category, employment type, and CIC/CIBIL score. Salaried government and PSU employees generally get offered rates at the lower end of this range.

The key features of a PNB personal loan are given below:

Feature Details
Loan Amount ₹1 Lakh
Interest Rate 10.25% to 16.80% p.a
Loan Tenure Upto 72 Months
Processing Fee Up to 1.80% of the loan amount(excluding GST)
Loan Disbursal Quick processing and disbursal

 Disclaimer: Interest rates are subject to change and may vary depending on the bank’s policy.

What are the Eligibility Criteria for a PNB Personal Loan of ₹1 Lakh?

Here is the eligibility criteria for a PNB personal Loan of ₹1 lakh:

  • The applicant must be an individual customer
  • Salaried employees of the central or state government, PSU or reputed private organisations are eligible
  • Professionals must have a minimum gross annual income of Rs 6 lakh for the last two years
  • A minimum CIC score of 750 or above is required
  • Pensioners receiving a pension through PNB may also apply
  • Doctors and other professionals must have a stable income and regular tax records
  • The applicant should maintain a savings or current account satisfactorily with PNB for the last two years
  • Total annual credit transactions across all savings or current accounts should be at least Rs 5 lakh in the previous financial year

What are the Documents Required for a PNB Personal Loan of 1 Lakh?

Below is a list of the main documents you will generally need when applying for a PNB personal loan:

  • Duly filled loan application form with a recent photograph
  • Identity proof such as Aadhaar card, PAN card, voter ID or passport
  • Address proof, such as a utility bill, driving licence, passport, or bank statement
  • Proof of age as accepted by the bank
  • Income proof, such as recent salary slips, Form 16, or income-related documents
  • Bank statements showing regular income credits
  • Any other documents asked by the bank during processing

What are the Fees and Charges for a PNB Personal Loan of 1 Lakh?

The fees and charges for a PNB personal loan of 1 Lakh are mentioned below:

Particulars Charges
Processing fee 1.00% of the loan amount
Documentation charge ₹270 for loans up to ₹2 lakh; ₹450 for loans above ₹2 lakh
Prepayment or foreclosure charges Nil
Penal interest for late payment 2% above the normal rate

Disclaimer: PNB personal loan interest rates are subject to change and may vary depending on the bank’s policy.

What are the Repayment Options for a ₹1 Lakh PNB Personal Loan?

Punjab National Bank offers multiple repayment options to make loan repayment simple and comfortable for borrowers. Here are repayment options for a PNB personal loan:

  • Extended loan tenure: Borrowers can choose a longer repayment period of 60 to 80 months to keep monthly instalments affordable with the PNB personal loan of 1 lakh.
  • Electronic Clearing Service ECS: Monthly instalments are automatically deducted from the borrower’s bank account on a fixed date, even if the account is with another bank.
  • Standing instructions SI: PNB salary account holders can set standing instructions for automatic EMI debit from their PNB account every month.
  • Post-dated cheques PDCs: Borrowers may submit post-dated cheques for the full loan period as a repayment option.
  • Online and mobile banking: EMI payments can also be made through PNB net banking or mobile banking platforms in a simple and convenient manner.

₹1 Lakh PNB Personal Loan EMI Upto 5 Years

Here is the breakdown of a 1 Lakh personal loan EMI up to 5 years with an interest rate of 10.25% per annum:

Year Principal Interest Total Payment Balance
1 ₹1,292 ₹833 ₹2,125 ₹98,708
2 ₹1,427 ₹698 ₹2,125 ₹82,344
3 ₹1,576 ₹549 ₹2,125 ₹64,265
4 ₹1,741 ₹384 ₹2,125 ₹44,291
5 ₹1,924 ₹201 ₹2,125 ₹22,227

Note: The figures mentioned above are for illustration only. The actual EMI and interest savings may vary based on the lender’s policies, the method used to calculate interest, and the way prepayments are adjusted. You can also use personal loan EMI calculator to get an estimate.

EMI on ₹1 Lakh PNB Personal Loan at Different Interest Rates

Tenure Interest Rate Monthly EMI (Approx.) Total Interest Payable (Approx.)
1 Year 10.25% p.a. ₹8,801 ₹5,612
1 Year 13% p.a. ₹8,932 ₹7,184
1 Year 16.8% p.a. ₹9,111 ₹9,332
2 Years 10.25% p.a. ₹4,626 ₹11,024
2 Years 13% p.a. ₹4,754 ₹14,096
2 Years 16.8% p.a. ₹4,934 ₹18,416
3 Years 10.25% p.a. ₹3,241 ₹16,676
3 Years 13% p.a. ₹3,369 ₹21,284
3 Years 16.8% p.a. ₹3,555 ₹27,980

How to Apply for a ₹1 Lakh PNB Personal Loan On Urban Money?

Below is the step-by-step process to apply for a PNB personal loan of 1 lakh through the Urban Money platform. This method helps you complete the application online and connect with a loan expert who will guide you further:

  • Visit the Urban Money website and open the personal loan section.
  • Select the option for a personal loan from Punjab National Bank.
  • Click “Apply Now” to start the loan application.
  • Enter basic details such as name, mobile number, city and loan amount.
  • Fill in employment and income-related details carefully.
  • Verify your mobile number using the OTP received.
  • Submit the application form online.
  • A loan expert from Urban Money will contact you to guide you with documents and further steps.

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Written By
Shubham Sandhu
Shubham Sandhu
Content Writer
Shubham writes about personal finance, focusing on loans, credit cards, and everyday money matters. His writing keeps things simple and direct, helping readers quickly understand what matters and what does not. He aims to make financial decisions feel less confusing and more manageable.
Amit Prakash Singh
Co-Founder, Square Yards & Chief Business Officer, Urban Money
Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 25 July 2026

Frequently Asked Question (FAQs)

Can I get a 1 lakh personal loan from PNB?

Yes, you can apply for a PNB personal loan of 1 lakh if you meet the eligibility criteria. Approval depends on income, credit score and banking history.

What are the interest rates for a small 1 lakh personal loan?

The PNB personal loan interest rate for 1 lakh varies based on your credit profile, income and bank assessment. The final rate is decided by the bank at the time of approval.

How much personal loan amount can I get from PNB based on my income?

The loan amount offered by PNB depends on your income, repayment capacity and existing financial obligations. Higher and stable income improves eligibility.

How does Punjab National Bank decide the personal loan amount for a customer?

PNB considers factors such as monthly income, credit score, job stability and past repayment record before deciding the loan amount.

How much will my monthly payments be for a 1 lakh loan?

The monthly instalment depends on the interest rate and chosen loan tenure. A longer tenure reduces the EMI but increases total interest paid.

What repayment period options are available for a PNB personal loan?

PNB offers flexible repayment tenure options that can extend up to several years, depending on the loan scheme and borrower profile.

Which documents are needed while applying for a PNB personal loan?

Basic documents include identity proof, address proof, income proof, bank statements and a completed loan application form.

Can both salaried employees and self-employed professionals apply for a PNB personal loan?

Yes, both salaried individuals and eligible self-employed professionals can apply, subject to income and credit requirements.

Are there any hidden charges in a 1 lakh personal loan from PNB?

No, PNB does not have hidden charges. All applicable fees, such as processing and documentation charges, are shared with the bank upfront.

What is the minimum salary required for a PNB ₹1 lakh personal loan?

PNB’s eligibility criteria are income-band based rather than a flat minimum salary figure professionals, for instance, need a minimum gross annual income of ₹6 lakh for the last two years. Salaried applicants from government, PSU, or reputed private organisations are assessed on a case-by-case basis depending on their employer category and income stability.

What CIBIL score is needed for a PNB personal loan?

PNB requires a minimum CIC score of 750 or above for this loan, which is notably higher than the 650 benchmark commonly seen at other lenders. This reflects PNB’s more conservative eligibility criteria for personal loans in this category.

Do government employees get a lower interest rate with PNB?

Salaried employees from central or state government departments and PSUs are generally offered rates toward the lower end of PNB’s range, since they’re viewed as a more stable, lower-risk borrower category. The exact rate still depends on income, credit score, and existing obligations.

What documents are required for a PNB ₹1 lakh personal loan?

You’ll need a filled application form with a recent photograph, identity proof (Aadhaar, PAN, voter ID, or passport), address proof, income proof (salary slips, Form 16, or income documents), and bank statements showing regular income credits.

What is the processing fee for a PNB ₹1 lakh personal loan?

PNB charges a processing fee of up to 1.80% of the loan amount (excluding GST), along with a documentation charge of ₹270 for loans up to ₹2 lakh. There’s no prepayment or foreclosure charge, so paying off the loan early doesn’t attract a penalty.

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