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Punjab National Bank offers three personal loan schemes for the public, pensioners and doctors, with each having its own eligibility criteria:
Criteria | Salaried |
Age | As per the terms and conditions set by the bank |
Income |
|
Work Experience | Should be a permanent employee who is not approaching retirement in the next 2 years. |
CIBIL Score | 750+ |
Residential Status | Resident of India |
Interest Rate | 11.50% to 14.50% |
Loan Amount | Up to Rs.15 lakh |
Loan Tenure | Up to 84 months |
Criteria | Pensioners |
Age | Up to 75 years |
Income | Should be drawing a pension through any branch of Punjab National Bank. |
Work Experience | NA |
CIBIL Score | 750+ |
Residential Status | Resident of India |
Interest Rate | 10.75% onwards |
Loan Amount | Up to Rs.10 lakh |
Loan Tenure | Up to 60 months |
Criteria | Doctors |
Age | As per the terms and conditions set by the bank |
Income | Should be earning a minimum annual income of Rs.5 lakh. |
Work Experience | Should be practicing doctor |
CIBIL Score | 750+ |
Residential Status | Resident of India |
Interest Rate | 9.95% onwards |
Loan Amount | Up to Rs.15 lakh |
Loan Tenure | Up to 84 months |
You can avail a minimum of Rs.50,000 and a maximum of Rs.5 lakh under the PNB personal loan for public scheme.
If you do not have a guarantor, you can submit collateral to be eligible for the scheme.
Yes, you can, or you can visit the nearest bank branch of PNB to submit your application.
Yes, you will have to carry proof of identity, address, age, income and copies of last 2 years Income Tax Returns.
The most convenient way to pay your EMIs is through your Punjab National Bank net banking account.
A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.
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