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PNB personal loan interest rates start from 10.50% p.a. for paramilitary/defense personals who get salaries through PNB and 10.85% p.a. for general public. Punjab National Bank also offers Digital Personal Loan for New to Bank customers and Pre-Approved Personal Loan and at an interest rate of 11.60% p.a. onwards. A higher credit score or having a salary account with PNB can help you to avail a personal loan at lower interest rates.
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Voucher on disbursalCheck Personal Loan Offers Online
Customer Rating
2839 Reviews
Wide Choice
Curated offers from 30+ lenders
Quick Disbursal
Money in your account instantly
SmartMatch
Offers ranked according to eligibility
Digital Process
Hassle-free & paperless
Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
Know Your Chances of Approval
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 | 10.50% – 16.05% p.a. |
| Fixed Interest rates | 11.50%-17.05% p.a. |
| Particulars | Interest Rates (p.a.) |
|---|---|
| Floating Interest Rates | 10.85% p.a. |
| Fixed Interest rates | 11.85% p.a. |
The interest rates are updated as of 3 July 2025
PNB offers personal loans at both fixed and floating interest rates. Whether you’re a salaried applicant, pensioner, government employee, paramilitary/defense personals, 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 | 10.50% |
| For government employees getting salaries through PNB and for central government gazetted officers having no salary account with PNB | 800 | 10.85% |
| 750 less than 800, or No credit history | 11.85% | |
| 680-749 | 12.85% | |
| less than 680 | 13.35% | |
| For corporate/other employees withdrawing their salaries through PNB and for government employees not getting salaries through PNB | 800 | 11.85% |
| 750 less than 800 or No credit history | 12.85% | |
| 680-749 | 14.85% | |
| Less than 680 | 15.35% | |
| Loan to employees under check-off facility | 800 | 13.35% |
| 750 less than 800 or No credit history | 13.85% | |
| 680-749 | 15.55% | |
| Less than 680 | 16.05% |
| Type | CIBIL Score | Interest Rates (p.a.) |
| For paramilitary/defense personals who get salaries through PNB (customers under Rakshak Plus Scheme are included) | NA | 10.50% |
| For government employees getting salaries through PNB and for central government gazetted officers having no salary account with PNB | 800 | 10.85% |
| 750 less than 800, or No credit history | 11.85% | |
| 680-749 | 12.85% | |
| less than 680 | 13.35% | |
| For corporate/other employees withdrawing their salaries through PNB and for government employees not getting salaries through PNB | 800 | 11.85% |
| 750 less than 800 or No credit history | 12.85% | |
| 680-749 | 14.85% | |
| Less than 680 | 15.35% | |
| Loan to employees under check-off facility | 800 | 13.35% |
| 750 less than 800 or No credit history | 13.85% | |
| 680-749 | 15.55% | |
| Less than 680 | 16.05% |
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 | 10.60% |
| 750 to less than 800 or no credit history (-1 or 0) | 11.60% | |
| 700-749 (not applicable to PAPL to Private Employees) | 12.60% | |
| Pre-approved Personal Loan to Pensioners | 650 and above | 10.60% |
| Pre-approved Personal Loan to existing customers based on QAB and TRV | 800 and above | 10.60% |
| 750 to less than 800 | 12.60% | |
| Pre-approved Personal Loan to existing borrowers of home loan, personal loan and car loan | 800 and above | 10.60% |
| 750 to less than 800 | 11.60% |
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 up to Rs 6 lakh with a single OTP.
| CIBIL Score | Interest Rates (p.a.) |
|---|---|
| 800 and above or equivalent | 11.60% |
| 750 to 799 or equivalent | 12.60% |
| 700 to 749 or equivalent including -1/0/no hit/Nil | 13.60% |
Pensioners drawing their pension from PNB can avail personal loan to meet their personal expenses.
| Type | Interest Rate (p.a.) |
|---|---|
| Personal Loan for Pensioners (Term Loan/Overdraft/Demand Loan) | 10.85% |
| Type | CIBIL Score | Interest Rates (p.a.) |
|---|---|---|
| For paramilitary/defense personals who get salaries through PNB (customers under Rakshak Plus Scheme are included) | NA | 11.50% |
| For government employees getting salaries through PNB and for central government gazetted officers having no salary account with PNB | 800 | 11.85% |
| 750 less than 800, Or No credit history | 12.85% | |
| 680-749 | 13.85% | |
| less than 680 | 14.35% | |
| For corporate/other employees withdrawing their salaries through PNB and for government employees not getting salaries through PNB | 800 | 12.85% |
| 750 less than 800 or No credit history | 13.85% | |
| 680-749 | 15.85% | |
| Less than 680 | 16.35% | |
| Loan to employees under check-off facility | 800 | 14.35% |
| 750 less than 800 or No credit history | 14.85% | |
| 680-749 | 16.55% | |
| Less than 680 | 17.05% |
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 | 11.60% |
| 750 to less than 800 or no credit history (-1 or 0) | 12.60% | |
| 700-749 (not applicable to PAPL to Private Employees) | 13.60% | |
| Pre-approved Personal Loan to Pensioners | 650 and above | 11.60% |
| Pre-approved Personal Loan to existing customers based on QAB and TRV | 800 and above | 11.60% |
| 750 to less than 800 | 13.60% | |
| Pre-approved Personal Loan to existing borrowers of home loan, personal loan and car loan | 800 and above | 11.60% |
| 750 to less than 800 | 12.60% |
| CIBIL Score | Interest Rates (p.a.) |
| 800 and above or equivalent | 11.60% |
| 750 to 799 or equivalent | 12.60% |
| 700 to 749 or equivalent including -1/0/no hit/Nil | 13.60% |
| Type | Interest Rate (p.a.) |
| Personal Loan for Pensioners (Term Loan/Overdraft/Demand Loan) | 11.85% |
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| Banks | Punjab National Bank | SBI | HDFC | Axis</th > |
|---|---|---|---|---|
| Rates | 10.50%-17.05% p.a. | 10.30%-15.30% p.a. | 9.99%-12.50% p.a. | 9.99% p.a. onwards |
| Processing Fee | Up to 1% of the loan amount | Up to 1.5% of the loan amount (Min. Rs 1,000; Max. Rs 15,000) | Up to Rs 6,500 | Up to 2% of the loan amount |
| Max. Loan Amount | Up to Rs 20 lakh | Up to Rs 35 lakh | Up to Rs 40 lakh | Up to Rs 10 lakh |
| Tenure | Up to 7 years | Up to 7 years | Up to 6 years | Up to 6 years |
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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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Last updated: 9 September, 2025
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