PNB Personal Loan Key Features
|Age Criteria||21 – 60 years (at loan maturity)|
|CIBIL Score||Minimum 750 or above|
|PNB Personal Loan Interest Rate||9.99% per annum|
|Lowest EMI per lakh||Rs. 2148|
|Tenure||12 to 60 months|
|PNB Personal Loan Processing Fee||1%|
|Part Payment Charges||NIL|
|Minimum Loan Amount||Rs. 50,000|
|Maximum Loan Amount||Rs. 10 Lakh|
Each Feature Explained in Detail Below
PNB Personal Loan Eligibility Criteria
Eligibility criteria for a personal loan:
|CIBIL Score Criteria||750 and Above|
|Age Criteria||21-60 years|
|Income Criteria||Rs 25000/month|
PNB Personal Loan Interest Rate and Charges
|PNB Personal Loan Interest Rate||9.99% per annum|
|PNB Personal Loan Processing Charges||1% of Loan Amount|
|Stamp Duty||As per state laws|
|Cheque Bounce Charges||As per bank terms|
|Floating Rate of Interest||Not Applicable|
PNB Personal Loan Documents Required
You will need the following documents when filing an application for PNB Personal Loan:
|Form||Duly filled application form|
|Proof of Identity||Copy of:
> Driving License
> Aadhar Card
> Voter ID Card
|Proof of Address||Rent Agreement (Min. 1 year of stay)
Passport (Proof of permanent residence)
|Proof of Income||> ITR: Last two Assessment years
> Salary Slip: Last 6 months
> Bank Statement: Last 3 months
PNB Personal Loan EMI Calculator
PNB Personal Loan Compared to Other Banks
|Bank||Interest Rate||Tenure||Loan Amount & Proc Fee|
|PNB||9.99%||12 to 60 months||Up to Rs. 10 lakh / Up to 1% of the loan amount|
|HDFC Bank||11.25% to 21.50%||12 to 60 months||Up to Rs. 40 lakh / Up to 2.50% of the loan amount|
|Bajaj Finserv||Starting from 12.99%||12 to 60 months||Up to Rs. 25 lakh / Up to 3.99% of the loan amount|
|Axis Bank||15.75% to 24%||12 to 60 months||Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount|
|Citibank||Starting from 10.99%||12 to 60 months||Up to Rs. 30 lakh / Up to 3% of the loan amount|
|ICICI Bank||11.50% to 19.25%||12 to 60 months||Upto Rs. 20 lakh / Up to 2.25% of the loan amount|
Other Loan Products from PNB
|PNB Gold Loan||PNB Car Loan||PNB Home Loan||PNB Business Loan|
|PNB TWL||PNB LAP||PNB Credit Card||PNB Education Loan|
Why should you apply for a Personal Loan from PNB with Dialabank?
Dialabank is India’s first financial helpline, and we are a team of professionals that thrive on delivering the best financial products catered to your needs. With Dialabank, you get a trustworthy partner to help you with your financial problems.
How to Calculate EMIs for PNB Personal Loan
The following information will be required to calculate your PNB’s Personal Loan EMI:
- Amount of the Loan
- Rate of Interest
Put these values in the calculator below and find your monthly EMIs.
PNB Personal Loan Processing Time
A personal loan from PNB takes about a week or two to get processed. For existing customers of PNB, the processing time is reduced to a measly 48-72 hours.
PNB Personal Loan Preclosure Charges
PNB provides you with the foreclosure facility on your personal loan without any charges. You can pay back your personal loan when you have the required funds.
Pre Calculated EMI for Personal Loan
Different Personal Loan Offers by PNB
PNB Marriage Loan
The objective of this scheme is to make financial assistance available to the general public for their personal needs that may include marriage and other expenses. A maximum amount of Rs. 10 lakhs can be availed under this scheme.
PNB Personal Loan for Government Employees
Government employees enjoy a string of benefits; easy and affordable personal loans are one of them. Government employees can apply for a personal loan to meet their personal needs at lower rates of interest.
PNB Doctor Loan
This loan is for medical professionals and doctors to help them meet their personal and professional needs. An amount of maximum Rs. 15 lakhs can be availed under the scheme at attractive interest rates.
PNB Personal Loan for Pensioners
This scheme is for all the pensioners that draw their pensions through PNB to help them meet their personal and medical expenses. A maximum loan of Rs. 10 lakhs is sanctioned under this scheme.
PNB Personal Loan Balance Transfer
Personal Loan Balance Transfer is the process of transferring your existing personal loan with another bank to a new lender. Your new lender pays your previous loan and gives you a fresh loan with better interest rates and tenure.
PNB Personal Loan Top Up
Sometimes, after you take a personal loan, you might need additional funds to meet your expenses. In this case, you can apply for a top-up on your existing personal loan.
PNB Personal Loan Status
You can check the status of your personal loan with PNB by;
- Visiting the branch in person and asking your loan officer.
- Log on to the online portal of PNB and check your loan status using your loan reference number.
How to Apply for PNB Personal Loan?
Availing a personal loan is very simple; all you have to do is to:
- Visit Dialabank and fill the application form
- You will get a call from us.
- Our experts will guide you through the entire process and tell you the details of the loan.
FAQs About PNB Personal Loan
✅ How to apply for PNB Personal Loan?
You can apply for a personal loan with PNB either by visiting the nearest branch of PNB or through a simple form submission with Dialabank. With us, you get the convenience to apply from anywhere and get quick online approval.
✅ What is the Interest Rate for PNB Personal Loan?
PNB Personal Loan interest rate is 9.99% Per annum.
✅ What is the minimum age for getting a Personal Loan from PNB?
You should be at least 21 years old to apply for a personal loan with PNB.
✅ What is the maximum age for getting a Personal Loan from PNB?
The maximum age for availing a personal loan from PNB is 60 years.
✅ What is the minimum loan amount for PNB Personal Loan?
The minimum loan amount for PNB Personal Loan is Rs 50000.
✅ What is the maximum loan amount for PNB Personal Loan?
PNB allows you to take a maximum loan amount of Rs. 10 lakhs under the personal loan scheme. Doctors, however, can avail of a maximum of Rs. 15 lakhs.
✅ What are the documents required for PNB Personal Loan?
Aadhaar card/Voter ID, PAN card, salary slips/ITR, and two recently clicked photographs that are required for a personal loan from PNB.
✅ What is the Processing Fee for PNB Personal Loan?
PNB charges a processing fee of 1% of the Loan Amount for the personal loan.
✅ How to get PNB Personal Loan for Self Employed?
PNB has special offers for self-employed borrowers to help them meet their financial needs. You will have to provide the ITR files of the last three years as your income proof.
✅ What is the Maximum Loan Tenure for PNB Personal Loan?
The maximum tenure period for a personal loan from PNB is 60 months.
✅ What should be the CIBIL Score for PNB Personal Loan?
You should have a CIBIL score of at least 750 or above for availing a personal loan from PNB.
✅ Do I have a preapproved offer for PNB Personal Loan?
You can check for your pre-approved personal loan offers from PNB through Dialabank. All you have to do is fill the form, and we will check all the offers for you and get back to you to help you choose the best one.
✅ How to calculate EMI for PNB Personal Loan?
You can use the EMI calculator available at Dialabank’s website to calculate your personal loan EMIs from PNB.
✅ How to pay PNB Personal Loan EMI?
Your personal loan EMIs from PNB are automatically deducted from your bank account on a monthly basis. You can also use the net-banking facility of PNB to pay for your personal loan.
✅ How to close PNB Personal Loan?
You will have to first pay all the outstanding personal loan amount and then contact the PNB branch to receive your no dues certificate.
✅ How to check PNB Personal Loan Status?
You will need the visit the PNB branch in-person to know the status of your personal loan. Alternatively, you can visit Dialabank and fill a simple form to let us do the hard work for you.
✅ How to close PNB Personal Loan Online?
Closing of personal loan from PNB involves the following steps:
- Visit the net-banking page of PNB.
- Login using your details.
- Pay for your personal loan and save the transaction receipt.
✅ How to pay PNB Personal Loan EMI Online?
Your personal loan EMI can be paid using the net-banking services of PNB. Dialabank lets you compare offers and deals from different banks to choose the best, low-EMI personal loan. All you have to do is fill a simple form, and we will do the rest for you.
✅ How to check Personal Loan Balance in PNB?
To check the personal loan balance in PNB, you will need to contact the customer care number of PNB. If you are looking for low-interest personal loans, you can visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the hard work for you.
✅ How to download PNB Personal Loan Statement?
The personal loan statement of PNB can be downloaded using the PNB mobile banking app. You can visit the online platform of Dialabank and fill a simple form to compare and know about all the offers that we have for you.
✅ How to Top Up Personal Loan in PNB Bank?
If you need a top-up on your personal loan from PNB, you will have to visit the bank branch and contact the loan officer. You can also fill a simple form with Dialabank at Personal Loan Top Up and leave the rest to us
✅ What happens if I don’t pay my PNB Personal Loan EMIs?
PNB may charge you with a penal interest if you fail to pay your personal loan EMIs. You can apply for a balance transfer using Dialabank to get low-interest personal loans that will not put a hole in your pocket.
✅ How to find the PNB Personal Loan account number?
You will need to contact your PNB loan branch to know your personal loan account number. You may also fill out the form available at Dialabank and let us do all the work for you.