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Cholamandalam| 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 10th Feb, 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.
| 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 | 10.25% |
| 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 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% |
| 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 | 10.15-18.00 | Up to 2% (Max. Rs. 10,000) |
| Bajaj Finance Limited | 10.00-30.00 | 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 | 9.85-11.65 | Up to 1% |
| Cholamandalam IFC | 10.00-28.00 | 4% - 6% |
| Dhani Loans & Services Ltd. | 13.99 onwards | 3% onwards |
| Federal Bank | 12.00 - 22.50* | 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 | Up to 30* | 2.3% - 3% |
| HSBC Bank | 9.75 onwards | Up to 2% |
| ICICI Bank | 9.99 onwards | Up to 2% |
| IDFC FIRST Bank | 9.99 onwards | Up to 2% |
| IIFL Finance | 12.00 - 28.00 | 2% - 9% |
| Indian Overseas Bank | 10.25 onwards | Up to 0.75% |
| IndusInd Bank | 10.35 onwards* | Up to 3.5% |
| 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 | 14.00 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% |
| Punjab National Bank | 10.25-16.80 | Up to 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 - 12.55 | Up to 1% (Max. Rs. 7,500) |
*Paisabazaar special rates
Note: Rates as of 23rd June 2026
*Paisabazaar special rates
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PNB offers lower personal loan interest rates to government employees who maintain a salary account with PNB at an interest rate of 10.60% p.a. The interest rate for corporate employees withdrawing their salaries through PNB and for government employees not getting salaries through PNB starts at 11.60% p.a.
PNB offers lower interest rates to applicants having higher credit scores. If your credit score is 800 & above, you can get a pre-approved loan at an interest rate of 10.35% p.a. If you are not eligible for a pre-approved loan, you can still get a personal loan at a lower rate of 10.60% p.a. compared to the interest rate offered at a CIBIL score below 800.
Assuming the personal loan interest rate at 11% p.a., the EMI for Rs 5 lakh personal loan is approx. Rs 10,871, wherein the total interest payable is Rs 1,52,273 and total payment (principal + interest) is Rs 6.52 lakh.
Currently, Punjab National Bank is offering a personal loan at 10.25% p.a. onwards.
PNB offers digital pre-approved personal loans to government & private employees, existing pensioners and existing car loan/home loan/personal loan borrowers. You can get a loan of up to Rs 20 lakh @ 10.35% p.a. onwards.
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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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Get up to ₹50 Lakhs starting at 9.98%*
Get up to ₹50 Lakhs starting at 9.98%*
