Punjab Gramin Bank Personal loan

⋆ Interest Rate 9.99% ⋆

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Why us?

Rates as low as 9.99%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

Punjab Gramin Bank Personal Loan Key Features

Features Details
Age 21 to 58 yrs(at loan maturity)
CIBIL 750
Punjab Gramin Bank Personal Loan Interest Rate 9.99% per annum
Lowest EMI per lakh NIL
Tenure 12 to 60 Months
Punjab Gramin Bank Personal Bank Processing Fee 1% to 2%
Prepayment Charges Decided by bank
Part Payment Charges Decided by bank
Minimum Loan Amount Rs. 5000
Maximum Loan Amount Rs. 4 Lakhs or 20 times of the salary

Each Feature Explained in Detail Below


Punjab Gramin Bank Personal Loan Eligibility Criteria

Eligibility criteria for a personal loan:

CIBIL score 750 or above
Age 21 to 58 yrs
Min Income Rs. 15,000 to Rs 25,000
Occupation Salaried/Self-Employed/Pensioner

Punjab Gramin Bank Personal Loan Interest Rate and Charges

Punjab Gramin Bank Personal Loan Interest Rate 9.99% per annum
Punjab Gramin Bank Personal Loan Processing Charges 1% to 2%
Prepayment Charges NIL
Stamp Duty NIL
Cheque Bounce Charges NIL
Penal Interest NIL
Floating Rate of Interest NIL

Punjab Gramin Bank Personal Loan Documents Required

Form Duly filled  and signed application form
Proof of Identity Copy of:
> Passport
> Driving License
> Aadhaar Card
> Voter ID Card
Proof of Address Rent Agreement (Min. 1 year of stay)
Utility Bills
Proof of permanent residence
Ration card, Bank Account Statement, Latest Credit Card Statement
Proof of Income ITR: Last two financial  years( For self-employed)

> Salary Slip: Last 6 months (Salaried Employee)

> Bank Statement: Last 3 months

Punjab Gramin Bank Personal Loan EMI Calculator

EMI Calculator.

Punjab Gramin Bank Personal Loan Compared to Other Banks

Particulars Punjab Gramin Bank HDFC Bank Bajaj Finserv Axis Bank Citibank ICICI Bank
Interest Rate 9.99% 11.25% to 21.50% Starting from 12.99% 15.75% to 24% Starting from 10.99% 11.50% to 19.25%
Tenure 12 to 60 Months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months
Loan amount Up to Rs. 4 Lakh, may vary Up to Rs. 40 lakh Up to Rs. 25 lakh Rs. 50,000 to Rs. 15 lakh Up to Rs. 30 lakh Upto Rs. 20 lakh
Processing Fee N/A Up to 2.50% of the loan amount Up to 3.99% of the loan amount Up to 2% of the loan amount Up to 3% of the loan amount Up to 2.25% of the loan amount

Other Loan Products from Punjab Gramin Bank

Gold Loan Car Loan Home Loan Business Loan
TWL LAP Credit Card Education Loan

Why should you apply for Punjab Gramin Bank Personal Loan with Dialabank?

  • Dialabank is the leading helpline in the country.
  • Less Documentation is required for processing
  • Fast Approval is our first priority.

You can call at 9878981166 for any query.

How to Calculate EMIs for Punjab Gramin Bank  Personal Loan?

There is a  requirement of the following information to calculate Punjab Gramin Bank Personal Loan:

EMI:

  • Loan of the Amount
  • also, the Interest Rate of the loan
  • and Tenure of the loan

Substitute the values in the calculator below and find your monthly EMIs

EMI Calculator

Punjab Gramin Bank  Personal Loan Processing Time

  • Fast processing
  • It needs less paperwork
  • A processing fee may vary and can be asked by the bank

Punjab Gramin Bank Personal Loan Preclosure charges

Is your fund ready?

Then you can apply for Preclosure. For more details make a call or visit to the branch.

Different Personal Loan offers by Punjab Gramin Bank

Home Loan

Punjab Gramin Bank offers personal loan for a home:

  • Minimum age is 21 yrs
  • Maximum Age should be 60 yrs
  • Regular Income applicants are a must for the Home Loan
  • Earn more than the required monthly income.

Personal Loan for Government Employees

Punjab Gramin Bank offers personal loans to all the Govt. employees. The loan amount depends on the Company in which you are working.

Education Loan

  • Punjab Gramin Bank offers Education loan up to Rs 10 lac in India and Rs 20 lac to study in Abroad
  • Loan limit should be above Rs 4.00 lac
  • Max Loan to study in India is Rs 10 lac
  • Max Loan to Study in India is Rs 20 lac

Personal Loan for Pensioners

  • A processing charge can be asked from the bank.
  • Very Affordable Interest Rate

Personal Loan Balance Transfer

  • Personal Loan balance transfer means the borrower transfer the sum to other institutions.
  • Low-interest rates.
  • Long repayment tenure.

Punjab Gramin Bank Personal Loan Top Up

Punjab Gramin Bank’s personal loan provides top-up that means an additional amount on the existing loan.

Punjab Gramin Bank Personal Loan Status

  • Visit the site of this bank.
  • Check the eligibility.
  • Fill the form with your information.
  • Our managers will contact you.

How to Apply for Punjab Gramin Bank Personal Loan?Punjab Gramin Bank Personal loan

There is less requirement for paperwork. It helps in saving your time and you get your loan approval faster.

Availing a personal loan is very simple; all you have to do is to:

  1. Visit the website of Dialabank and fill the application form.
  2. You will get a call from us.
  3. Our instructors will guide you through the entire process and tell you the details of the loan.

FAQs About Punjab Gramin Bank Personal Loan

✅ How to apply for Punjab Gramin Bank Personal Loan?

You can for a personal loan at the website of Punjab Gramin Bank.

✅ What is the Interest Rate for Punjab Gramin Bank Personal Loan?

The Interest Rate for Punjab Gramin Bank Personal Loan starts from 9.99% per annum.

✅ What is the minimum age for getting a Personal Loan from Punjab Gramin Bank?

The Minimum Age to apply for Punjab Gramin Bank Personal Loan is 21 years.

✅ What is the maximum age for getting a Personal Loan from Punjab Gramin Bank?

The maximum age you need for applying for Punjab Gramin Bank Personal Loan is 60 years.

✅ What is the minimum loan amount for Punjab Gramin Bank Personal Loan?

The minimum loan amount Punjab Gramin Bank Personal Loan can be asked from the bank by calling them or by visiting personally.

✅ What is the maximum loan amount for Punjab Gramin Bank Personal Loan?

The maximum loan amount for Punjab Gramin Bank Personal Loan is Rs. 4 Lakh or 20 times the amount of your salary, but it may vary.

✅ What are the documents required for Punjab Gramin Bank Personal Loan?

You need Proof of Identity, Proof of income, and address proof to apply for Punjab Gramin Bank Personal Loan.

✅ What is the Processing Fee for Punjab Gramin Bank Personal Loan?

The processing fee for Punjab Gramin Bank Personal Loan is 1% to 2%.

✅ How to get Punjab Gramin Bank Personal Loan for Self Employed?

You must have a good and rigid source of income and your credit history should be good to avoid rejection.

✅ What is the Maximum Loan Tenure for Punjab Gramin Bank Personal Loan?

The maximum Loan tenure for Punjab Gramin Bank Personal Loan is 60 months.

✅ What should be the CIBIL Score for Punjab Gramin Bank Personal Loan?

A good CIBIL Score means less chance of Rejection. For Punjab Gramin Bank Personal Loan you must have 750 or above CIBIL Score.

✅ Do I have a preapproved offer for Punjab Gramin Bank Bank Personal Loan?

N/A

✅ How to calculate EMI for Punjab Gramin Bank Personal Loan?

You can calculate your EMI at any EMI calculator just you have to put the loan amount, Interest rate, and Tenure of loan.

✅ How to pay Punjab Gramin Bank Personal Loan EMI?

All the procedures will be explained once you apply for a personal loan and your application will get approved.

✅ How to close Punjab Gramin Bank Personal Loan?

If your funds are ready then you can apply for Preclosure or after all the EMI’s are paid your loan will get closed.

✅ How to check Punjab Gramin Bank Personal Loan Status?

To know the status just call the bank or check on the website i.e provided by the bank.

✅ How to close Punjab Gramin Bank Personal Loan Online?

Dialabank is the best option for applying for Punjab Gramin Bank Personal Loan with less paperwork and ease or visits the official site of the bank apply for the loan.

✅ How to pay Punjab Gramin Bank Personal Loan EMI Online?

Through Netbanking you can pay EMI for Punjab Gramin Bank Personal Loan.

✅ How to check Personal Loan Balance in Punjab Gramin Bank?

You can call the bank customer care or a timely message will be sent on your registered no.

✅ How to download Punjab Gramin Bank Personal Loan Statement?

From the official website of the Punjab Gramin Bank, you can download the statement.

✅ How to Top Up Personal Loan in Punjab Gramin Bank?

You can Top up the Personal Loan in Punjab Gramin Bank by filling the simple form or by visiting the nearest branch.

✅ What happens if I don’t pay my Punjab Gramin Bank Personal Loan EMIs?

You may face action against you and also your CIBIL score will get affected. So regular is like safety for the future.

✅ How to find the Punjab Gramin Bank Personal Loan account number?

After your application gets approved you will be provided with your account number for Punjab Gramin Bank Personal Loan.

Other Banks For Personal Loan

Barclays Finance Personal Installment Loans
Uttrakhand Gramin Bank Personal Loan
Vidharbha Konkan Gramin Bank Personal Loan
Utkal Grameen Bank Personal Loan

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