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End-to-End Digital Process
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
| Particulars | Interest Rates (p.a.) |
|---|---|
| Floating Interest Rates | 10.25% – 15.80% p.a. |
| Fixed Interest rates | 11.25%-16.80% p.a. |
| Particulars | Interest Rates (p.a.) |
|---|---|
| Floating Interest Rates | 10.60% p.a. |
| Fixed Interest rates | 11.60% p.a. |
The interest rates are updated as of 8th Jan, 2026
PNB offers personal loans at both fixed and floating interest rates. Whether you’re a salaried applicant, pensioner, government employee, paramilitary/defense personnel, or even new to PNB, there’s a loan option for you. The interest rates of different personal loan schemes, i.e., PNB Sahyog Rin, Digital Personal Loan, PNB Swaagat, PNB Matritva, etc., are stated below.
The government employees maintaining salary accounts with PNB are offered lower interest rates @ 10.85% p.a. onwards, while private sector employees are offered a personal loan @ 11.85% p.a. onwards.
| Type | CIBIL Score | Interest Rates (p.a.) |
|---|---|---|
| For paramilitary/defense personals who get salaries through PNB (customers under Rakshak Plus Scheme are included) | NA | 10.25% |
| For government employees getting salaries through PNB and for central government gazetted officers having no salary account with PNB | 800 | 10.60% |
| 750 less than 800, or No credit history | 11.60% | |
| 680-749 | 12.60% | |
| less than 680 | 13.10% | |
| For corporate/other employees withdrawing their salaries through PNB and for government employees not getting salaries through PNB | 800 | 11.60% |
| 750 less than 800 or No credit history | 12.60% | |
| 680-749 | 14.60% | |
| Less than 680 | 15.10% | |
| Loan to employees under the check-off facility | 800 | 13.10% |
| 750 less than 800 or No credit history | 13.60% | |
| 680-749 | 15.30% | |
| Less than 680 | 15.80% |
| Type | CIBIL Score | Interest Rates (p.a.) |
|---|---|---|
| For paramilitary/defense personnel who get salaries through PNB (customers under Rakshak Plus Scheme are included) | NA | 10.525% |
| For government employees getting salaries through PNB and for central government gazetted officers having no salary account with PNB | 800 | 10.60% |
| 750 less than 800, or No credit history | 11.60% | |
| 680-749 | 12.60% | |
| less than 680 | 13.10% | |
| For corporate/other employees withdrawing their salaries through PNB and for government employees not getting salaries through PNB | 800 | 11.60% |
| 750 less than 800 or No credit history | 12.60% | |
| 680-749 | 14.60% | |
| Less than 680 | 15.10% | |
| Loan to employees under check-off facility | 800 | 13.10% |
| 750 less than 800 or No credit history | 13.60% | |
| 680-749 | 15.30% | |
| Less than 680 | 15.80% |
PNB Digital Personal Loan is a pre-approved personal loan offered to government & private employees, existing pensioners and existing car loan/home loan/personal loan borrowers. You can get loan of up to Rs 20 lakh @ 10.60% p.a. on the basis of CIC score and applicant profile stated below:-
| Type | CIBIL Score | Interest Rates (p.a.) |
|---|---|---|
| Pre-approved Personal Loan to Central Government/State Government/Private employees/PSUs | 800 & above | 10.35% |
| 750 to less than 800 or no credit history (-1 or 0) | 11.35% | |
| 700-749 (not applicable to PAPL to Private Employees) | 12.35% | |
| Pre-approved Personal Loan to Pensioners | 650 and above | 10.35% |
| Pre-approved Personal Loan to existing customers based on QAB and TRV | 800 and above | 10.35% |
| 750 to less than 800 | 12.35% | |
| Pre-approved Personal Loan to existing borrowers of home loan, personal loan and car loan | 800 and above | 10.35% |
| 750 to less than 800 | 11.35% |
PNB Swaagat is a digital personal loan for salaried applicants who maintain savings or salary accounts with any other bank (not PNB). The bank claims to offer a loan of up to Rs 6 lakh with a single OTP.
Digital Personal loan to NTB customers PNB SWAAGAT
| CIBIL Score | Interest Rates (p.a.) |
|---|---|
| 800 and above or equivalent | 10.35% |
| 750 to 799 or equivalent | 11.35% |
| 700 to 749 or equivalent including -1/0/no hit/Nil | 12.35% |
Pensioners drawing their pension from PNB can avail a personal loan to meet their personal expenses.
| Type | Interest Rate (p.a.) |
|---|---|
| Personal Loan for Pensioners (Term Loan/Overdraft/Demand Loan) | 10.60% |
| Type | CIBIL Score | Interest Rates (p.a.) |
|---|---|---|
| For paramilitary/defense personnel who get salaries through PNB (customers under Rakshak Plus Scheme are included) | NA | 11.25% |
| For government employees getting salaries through PNB and for central government gazetted officers having no salary account with PNB | 800 | 11.60% |
| 750 less than 800, Or No credit history | 12.60% | |
| 680-749 | 13.60% | |
| less than 680 | 14.10% | |
| For corporate/other employees withdrawing their salaries through PNB and for government employees not getting salaries through PNB | 800 | 12.60% |
| 750 less than 800 or No credit history | 13.60% | |
| 680-749 | 15.60% | |
| Less than 680 | 16.10% | |
| Loan to employees under check-off facility | 800 | 14.10% |
| 750 less than 800 or No credit history | 14.60% | |
| 680-749 | 16.30% | |
| Less than 680 | 16.80% |
Stated below are the fixed interest rates of PNB Pre-Approved Personal Loan on the basis of applicant's profile and CIC score.
| Type | CIBIL Score | Interest Rates (p.a.) |
|---|---|---|
| Pre-approved Personal Loan to Central Government/State Government/Private employees/PSUs | 800 | 11.35% |
| 750 to less than 800 or no credit history (-1 or 0) | 12.35% | |
| 700-749 (not applicable to PAPL to Private Employees) | 13.35% | |
| Pre-approved Personal Loan to Pensioners | 650 and above | 11.35% |
| Pre-approved Personal Loan to existing customers based on QAB and TRV | 800 and above | 11.35% |
| 750 to less than 800 | 13.35% | |
| Pre-approved Personal Loan to existing borrowers of home loan, personal loan and car loan | 800 and above | 11.35% |
| 750 to less than 800 | 12.35% |
| CIBIL Score | Interest Rates (p.a.) |
|---|---|
| 800 and above or equivalent | 11.35% |
| 750 to 799 or equivalent | 12.35% |
| 700 to 749 or equivalent including -1/0/no hit/Nil | 13.35% |
| Type | Interest Rate (p.a.) |
|---|---|
| Personal Loan for Pensioners (Term Loan/Overdraft/Demand Loan) | 11.60% |
Swipe to see more table data
| Bank/NBFC | Interest Rates (% p.a.) | Processing Fees |
|---|---|---|
| Aditya Birla Finance | 10.99 onwards | Up to 4% |
| Axis Bank | 9.99 onwards | Up to 2% |
| Bank of Baroda | 10.15-18.05 | Up to 2% (Max. Rs. 10,000) |
| Bajaj Finance Limited | 10.00-31.00 | Up to 3.93% |
| Bank of India | 10.85-16.15 | Up to 1% (Min. Rs. 250; Max. Rs. 15,000) |
| Bank of Maharashtra | 8.75-13.55 | Up to 1% (Max. Rs. 10,000) |
| Canara Bank | 9.70-15.15 | Up to 0.5% (Max. Rs. 5000) |
| Central Bank of India | 9.65-11.55 | Up to 1% |
| Cholamandalam IFC | 10.00-28.00 | 4% - 6% |
| Dhani Loans & Services Ltd. | 13.99 onwards | 3% onwards |
| Federal Bank | 11.99 onwards | Up to 2% |
| HDB Financial Services | 10.00 - 35.00 | Up to 5.90% |
| HDFC Bank | 9.99 onwards | Up to Rs 6,500 |
| Hero Fincorp | 19 onwards | 2.3% - 3% |
| HSBC Bank | 9.95-12.00 | Up to 2% |
| ICICI Bank | 10.45 onwards | Up to 2% |
| IDFC FIRST Bank | 9.99 onwards | Up to 2% |
| IIFL Finance | 12.75 - 44.00 | 2% - 9% |
| Indian Overseas Bank | 10.25 | Up to 0.75% |
| IndusInd Bank | 10.35 onwards* | Up to 3.5% (2% for instant personal loans for limited period) |
| Kotak Mahindra Bank | 9.98 onwards* | Up to 5% |
| L&T Finance | 11.00 onwards | Up to 3% |
| Mahindra Finance | 8.00 - 25.00 | 2% of loan amount or Rs. 5,000, whichever is lower |
| Mannapuram Finance | 18.00 - 24.00 | 1% of loan amount |
| Moneyview | 10.00 onwards | 2% onwards |
| Muthoot Finance | 13.50 onwards | Varies for each application |
| Piramal Finance | 12.14 onwards | Up to 5% |
| Poonawalla Fincorp | 9.99 onwards | Up to 3% |
| Punjab & Sind Bank | 9.60-13.85 | 0.50% - 1% |
| Shriram Finance | 11.00 onwards | Up to 5% |
| Tata Capital | 10.99 onwards | Up to 3.5% |
| UCO Bank | 9.95 - 13.20 | Up to 1% (Min. Rs. 750) |
| Union Bank of India | 8.75 - 12.20 | Up to 1% (Max. Rs. 7,500) |
*Paisabazaar special rates
Note: Rates as of 8th January, 2026
Swipe to see more table data
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Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
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