Punjab Gramin Bank Personal loan

⋆ Interest Rate 9.99% ⋆

Check Special Offers During COVID-19

      I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

      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 Jan 2021

      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 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 Punjab Gramin 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 Up to 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 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.

      Punjab Gramin Bank Personal Loan Overdraft Facility

      An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is maybe the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.

      Apply for an overdraft office as a Punjab Gramin Bank solitary turn of events. The flexible improvement office has all the enormous features of a slight overdraft credit.

      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 Abroad
      • The 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 a 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.

      Types of Punjab Gramin Bank Personal Loan

      Home renovation loan

      Punjab Gramin Bank offers home redesign credit for people who wish to get their home revamped. This individual credit can support necessary fixes or help the candidate get new fittings, installations, and furniture for their home. Some vital highlights of Punjab Gramin Bank Home Renovation Loan are:

      • The financing cost for Punjab Gramin Bank’s Home Renovation Loan begins at as low as 11.25%.
      • People might be qualified for an advance sum up to Rs. 20 Lakh to get their home remodeled
      • Home remodel credit from Punjab Gramin Bank requires negligible documentation, making the whole advance cycle bother free.
      • The advance sum ordinarily gets credited into the record within 72 hours once the bank favors your application.

      Holiday Loan

      Punjab Gramin Bank’s Holiday Loan can assist you in organizing your fantasy get-away with a minor issue. This individual advance from Punjab Gramin Bank can subsidize a scope of excursion related costs, including flight ticket booking, lodging facilities, guided visits, and so forth Key highlights of Punjab Gramin Bank’s Holiday Loan are:

      • Financing costs for Holiday Loans start at 11.25% p.a.
      • You can do without much of a stretch profit a measure of up to Rs 20 Lakh, so your fantasy excursion won’t be spoilt because of a monetary crunch.
      • Streamlined and Minimal documentation guarantees that financing your get-away is basic and straightforward.
      • Brisk preparing and disbursal of advance which is attributed straightforwardly to your record

      Fresher Funding

      A dominant part of unstable individual credits is focused on people with customary pay anyway Punjab Gramin Bank’s Fresher Funding is extraordinary. This credit alternative from Punjab Gramin Bank is intended to help freshers, for example, ongoing alumni looking for their first work. Some vital highlights of Punjab Gramin Bank Fresher Funding individual credit are as the following:

      • Credit sum up to Rs 1.5 lakh
      • The candidate must be at any rate of 21 years of age.
      • The pace of interest for Fresher Funding relies upon the profile of the advanced candidate, the financial record/score, age, and area of the candidate.

      NRI Personal Loan

      Understanding the necessities and dreams of NRIs, Punjab Gramin Bank offers an individual advance explicitly for NRIs. The essential advance candidate should be an Indian inhabitant, and the co-candidate NRI must be a nearby family member. Individual Loan for NRIs incorporates the accompanying highlights.

      • Punjab Gramin Bank offers NRIs individual advances up to Rs. 10 lakh with adaptable end-use
      • The financing costs for NRI Personal Loan start at 15.49% p.a.
      • The credit includes a residency of as long as three years.

      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.

      The personal Loan verification process

      Coming up next are essential strides of the individual credit check measure after online accommodation of your advance application on Dialabank.

      Step1. Dialabank will advance your advance application to your picked bank and generally within 48 hours, and you will get a call from the moneylender’s agent.

      Step2. The imminent loan specialist will plan a pickup of your KYC, pay, and so forth reports or give a choice to transfer them on the web. These reports will be utilized to confirm your application.

      Step3. When the moneylender’s check is finished, and your advance is endorsed, you will get another call to confirm the credit offer and request your permission for disbursal.

      Step4. After credit endorsement and fruitful check, the advance is generally dispensed within 48 hours.

      Note: The above-mentioned turnaround time for personal loan verification/disbursal may vary based on the lender’s internal demands as well as other criteria.

      Check your bank Punjab Gramin Bank Personal Loan Application Status

      To check the status of your Punjab Gramin Bank Personal Loan, you can:

      • Visit the bank branch personally where you had applied for the loan and give the loan officer your loan application details
      • Visit the website of Punjab Gramin Bank and fill in your loan details.
      • Send your loan details to the bank via email.
      • Through the I-mobile app of the bank
      • These methods enable you to track your loan status easily.

      How to login in Punjab Gramin Bank portal

      • Visit the official website of Punjab Gramin Bank.
      • On the top right corner of the page click on ‘Login’.
      • Log in using your User ID and Password or your recorded mobile number

      How to Check Your Loan Statement

      Clients can download the bank’s very own credit proclamation by following the means given beneath:

      • Visit the official site of the bank.
      • Click on ‘Connect’ and select ‘Administration Requests’ starting from the drop list.
      • On the following page that opens, under the ‘Advances’ menu, select ‘Individual Loan Related’.
      • Next, click on ‘Solicitation for Statement of Loan Account’.
      • Login utilizing your User ID and the secret word or utilizing your enlisted versatile number and OTP to benefit the bank’s very own credit explanation.

      Punjab Gramin Bank Personal Loan Restructuring (COVID-19)

      The cross country lockdown because of the COVID-19 pandemic has affected numerous borrowers antagonistically and to moderate its effect to a specific degree, a multi-month ban on different term advances was declared. After the fruition of the half-year ban, Punjab Gramin Bank had reported the RBI-commanded one-time advantage of Punjab Gramin Bank individual credit rebuilding. This instrument is intended to give proceeded with alleviation to those borrowers who are as yet unfit to begin reimbursement of their normal EMI due to on-going money related difficulty coming about because of the pandemic.

      The credit goal system presented by Punjab Gramin Bank offers extra help for as long as two years or an augmentation on the current reimbursement time frame to diminish the month to month EMI installments. It is imperative to shoulder as a main priority that rebuilding your Punjab Gramin Bank individual credit will bring about extra premium charges well beyond those of the first advance. Consequently, this alleviation instrument should just be utilized if all else fails with the goal that you don’t wind up defaulting on your great credit.

      Punjab Gramin Bank Customer Care

      Customers can contact the Punjab Gramin Bank customer care via any of the following means:

      • By Phone: You can call Punjab Gramin Bank on 1800-180-7777 (toll-free)
      • Callback Request: You can also request a call back by visiting the bank’s website
      • Online Chatbot: You can also get your queries answered by the iPal chatbot online
      • Branch Visit: You can visit the nearby Punjab Gramin Bank branch to get your queries.

      Benefits of Applying for Personal Loan on Dialabank

      There are different points of interest in applying for a personal advance on the Dialabank site. Some of them are given beneath: 

      • 24 x 7 Accessibility: You can get to the Dialabank site whenever and anyplace and in this manner, apply for an individual advance whenever from the solace of your home or office. 
      • Different moneylenders on a solitary stage: com empowers you to get to individual credit offers from various planned loan specialists on a solitary stage and accordingly kills the need to visit numerous bank sites or branches. 
      • Know EMI in a split second: With the individual advance EMI calculator, you can check the EMIs you would be paying on an individual credit even before you apply for one. It will assist you with acquiring the suitable sum that you can without much of a stretch reimburse and have a helpful reimbursement plan. 
      • Liberated from cost: Additionally, you are not needed to pay any charges when you apply for an individual advance on Dialabank.com 

      Important Aspects

      Given underneath are some significant angles that you should consider while applying for an individual credit with Punjab Gramin Bank:

      • While applying for a personal advance, it is in every case great to check your financial assessment. A decent credit assessment builds the odds of endorsement of your credit and can empower you to benefit an individual advance on more great terms.
      • Before settling upon a specific bank, it is prudent to think about the expense of an individual credit (premium expense and all the reasonable expenses and charges) offered by different moneylenders on Dialabank.com
      • Acquire as per your need and reimbursement capacity. Try not to acquire just because you are qualified to get a higher sum. It will just add to your advantage cost and not have many advantages over the long haul.
      • Try not to apply for individual advances with various moneylenders simultaneously. It shows you to be eager for credit and expands the number of challenging requests for your credit report, which may antagonistically influence your Credit rating.

      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 a 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 the 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.

      ✅ What relaxation scheme and moratorium Punjab Gramin Bank provides about Personal Loan due to Covid 19?

      The credit goal system presented by Punjab Gramin Bank offers extra help for as long as two years or an augmentation on the current reimbursement time frame to diminish the month to month EMI installments.

      ✅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.

      ✅What is the Punjab Gramin Bank personal loan customer care number?

      Contact 9878981166 for any queries.

      What are the Punjab Gramin Bank Personal Loan pre-closure charges?

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

      ✅What is the Punjab Gramin Bank personal loan closure procedure?

      1. Visit the bank with the complete set of documents (as mentioned above).
      2. You may be required to fill a form or write a letter requesting pre-closure of the Personal Loan account.
      3. Pay the pre-closure amount.
      4. Sign the required documents, if any.
      5. Take acknowledgment of the balance amount you have paid.

      ✅What is the Punjab Gramin Bank Personal Loan Overdraft Facility?

      An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is maybe the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.

      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

      Table of Contents

      Menu