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Punjab National Bank offers personal loan to individuals requiring funds for any personal reasons. With this personal loan, an individual can pay for expenses arising out of medical emergency, home renovation, vacation, wedding, purchase of an expensive gadget, etc. Punjab National Bank offers a personal loan of up to Rs. 15 lakh that can be availed with minimum paperwork.
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Eligibility for Punjab National Bank Personal Loan
Personal Loan Scheme for Public
- All permanent Defense Personnel including officials of Military Station Headquarters, Central Reserve Police Force, Border Security Force, Indo Tibetan Border Police Central Industrial Security Force, etc. However, loan request of Defense Personnel, who are due for retirement within next 24 months, may not be entertained
- Confirmed/permanent employees of Central/State Govt./PSUs and all reputed companies/Institutions including Schools, Universities, Colleges, autonomous bodies, Hospitals/Nursing Homes, who are either drawing their salary through accounts maintained with our branches or if these employers agree for check off facility
- Minimum net monthly income for PNB personal loan eligibility of Defence personnel and teachers is Rs. 7500 at all centres
PNB Doctor’s Delight
This loan can be availed by professionally qualified practicing/serving Doctors such as MBBS, BDS, etc.
- Applicants must having Net Annual Income/Salary of Rs. 5.00 lakh and above
- Doctors must be a taxpayers for at least the last two years
Personal Loan Scheme for Pensioners
This personal loan is available to all pensioners drawing their pension through a branch of Punjab National Bank.
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Documents Required to Apply for Punjab National Bank Personal Loan
Following are some key documents that are required to successfully apply for a personal loan with Punjab National Bank:
- Identity proof (any one): Passport, Aadhaar, Voter Identity Card, Driving License, Aadhaar Card, etc.
- Address proof (any one): Ration Card, Bank Account Statement, Passport, Driving License, Electricity Bill, Telephone Bill, Sale Deed/Property purchase agreement (for owned properties), Aadhaar Card, etc.
- Income proof: Bank Account Statement, Salary Slips, etc.
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Process to Apply for Punjab National Bank Personal Loan
It is to be noted that customers cannot currently apply for a Punjab National Bank personal loan via an online method. However, bank has provided an offline option to apply for personal loan by visiting the nearest branch in-person along with the required documents. You are required to download the PNB personal loan form and fill in the required details then submit it to the loan sanctioning officer.
Process to apply for Punjab National Bank Personal Loan Online at Paisabazaar.com
Applying for Punjab National Bank Personal Loan online can be convenient and easy if you apply through Paisabazaar.com.
- Fill out the personal loan application form on Paisabazaar.com
- Your available loan options from partners of Paisabazaar are displayed as per the ‘chances of approval’
- Either select bank or call Paisabazaar for assistance
- Fill another form to process your loan application
- Upload documents/schedule document pickup
- Bank’s executive will call for verification
- Approval and disbursal
Benefits of Applying for Personal Loan at Punjab National Bank
- Easy to avail: It is very convenient to apply for a personal loan online as all the formalities can be completed from the comfort of your home or office
- Minimum documentation: When you apply for a personal loan online, you not only have to submit only a few documents but you can also upload the documents online. Hence, you won’t have to visit the bank for submission
- Compare and choose: Online platforms like Paisabazaar lets you compare interest rates offered by different lenders on a personal loan. You can compare and choose a lender who offers you the best deal on your personal loan
FAQs
Q1. How can I apply for Punjab National Bank Personal Loan offline?
You can apply for Punjab National Bank Personal Loan offline by visiting the nearest branch of the bank. The complete list of PNB branches along with addresses is available on the PNB official website.
Q2. How do I get in touch with the customer care team of Punjab National Bank?
PNB customer care team can be reached by phone or email. Details are as follows:
- You can call on 1800-180-2222 or 1800-103-2222 (toll-free)
- You can send an email to care@pnb.co.in
Q3. What are the eligibility criteria for Personal Loan Scheme for Doctors available under the Punjab National Bank Personal Loan category?
- You should be a professionally qualified practicing/serving Doctors viz., MBBS, BDS and above. Doctors should be taxpayers for the last two years
- Your minimum net annual income/salary should be Rs. 5 lakh or above
- You should have a continued occupancy at current place of residence, for a minimum of 2 years. (Not applicable in Case of Doctors who are Employees of Govt./Institutions etc.)
Q4. What is the PNB personal loan interest rate?
PNB offers attractive interest rate that differs from one type of personal loan to another. However customers can avail personal loan stating as low as 8.80% p.a. onwards.
Q5. Is netbanking safe for EMI payments?
Yes, PNB offers a secured platform which is 100% safe for EMI payments.