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How to Apply for Punjab National Bank(PNB) Personal Loan: Online & Offline

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ICICI BankICICI Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
HDFC BankHDFC Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Axis BankAxis Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Kotak BankKotak Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Bajaj FinservBajaj Finserv
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
IDFC First BankIDFC First Bank
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
CholamandalamCholamandalam
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh

Punjab National Bank(PNB) Personal Loan

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.

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.

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.

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.

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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
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What our customers say

Get My Personal loan disbursed

I would like to give a huge shoutout to Munni Nayak from Paisabazaar for her incredible support in helping me get my personal loan disbursed within just a few days. She was extremely cooperative throughout the entire process and demonstrated great knowledge by explaining every step in detail with patience and clarity. I truly appreciate her dedication, professionalism, and the smooth experience she provided. Thank you so much, Munni, for all your help and support!

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Preeti BhattMay 16, 2026

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026
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Vandana Punj profile
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Vandana Punj
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Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

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