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PNB Personal Loan Interest Rates

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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Highlights of PNB Personal Loan Interest Rates

For Salaried & Self-Employed Applicants

Particulars Interest Rates (p.a.)
Floating Interest Rates 10.25% – 15.80% p.a.
Fixed Interest rates 11.25%-16.80% p.a.

For Pensioners

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 Personal Loan Interest Rates – Detailed Breakup

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.

PNB Personal Loan Floating Interest Rates

PNB SAHYOG RIN – Term Loan – Interest Rate Starting from 10.25% p.a

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%

PNB SAHYOG RIN – Overdraft – Interest Rate Starting from 10.25% p.a

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%

Interest Rates of PNB Digital Personal Loan Starting From 10.35% p.a.

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%

Interest Rates for Pensioners Drawing Pension Through PNB

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%

PNB Personal Loan Fixed Interest Rates

PNB SAHYOG RIN – Interest Rate Starting from 11.25% p.a.

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%

Interest Rates of Digital Personal Loan - PNB Pre-Approved Loan -  Starting From 11.35% p.a.

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%

Digital Personal Loan – PNB SWAAGAT (New to Bank Customers) -  Starting From 11.35% p.a.

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%

PNB Personal Loan for Pensioners

Type Interest Rate (p.a.)
Personal Loan for Pensioners (Term Loan/Overdraft/Demand Loan) 11.60%

Personal Loan Interest Rates by Other Banks/NBFCs

Bank/NBFCInterest Rates (% p.a.)
Aditya Birla Finance10.99 onwards
Axis Bank9.99 onwards*
Bank of Baroda10.15-18.00
Bajaj Finance Limited10.00-30.00
Bank of India10.85-16.15
Bank of Maharashtra8.75-13.55
Canara Bank9.70-15.15
Central Bank of India9.85-11.65
Cholamandalam IFC10.00-28.00
Dhani Loans & Services Ltd.13.99 onwards
Federal Bank12.00 - 22.50*
HDB Financial Services10.00 - 35.00
HDFC Bank9.99 onwards
Hero FincorpUp to 30*
HSBC Bank9.75 onwards
ICICI Bank9.99 onwards
IDFC FIRST Bank9.99 onwards
IIFL Finance12.00 - 28.00
Indian Overseas Bank10.25 onwards
IndusInd Bank10.35 onwards*
Kotak Mahindra Bank9.98 onwards*
L&T Finance11.00 onwards
Mahindra Finance8.00 - 25.00
Mannapuram Finance18.00 - 24.00
Moneyview14.00 onwards
Muthoot Finance13.50 onwards
Piramal Finance12.14 onwards
Poonawalla Fincorp9.99 onwards
Punjab & Sind Bank9.60-13.85
Punjab National Bank10.25-16.80
Shriram Finance11.00 onwards
Tata Capital10.99 onwards
UCO Bank9.95 - 13.20
Union Bank of India8.75 - 12.55
Note: Rates as of 17th April 2026

*Paisabazaar special rates

How to avail a PNB Personal Loan at lower interest rates?

  • PNB offers lower interest rates to applicants having higher credit scores. Avoiding multiple loan and/or credit card applications within a short period, paying EMIs and credit card bills on time and maintaining a minimum credit utilisation ratio, etc., will help you to build a higher credit score. Check your free credit score before applying for the loan.
  • The bank offers loans at a lower interest rate to those having a salary account with PNB and pre-approved personal loans at concessional interest rates also to their existing borrowers of home loan, personal loan and car loan.
  • While PNB has not disclosed the differential interest rates of personal loans based on the applicant’s monthly income,  many lenders consider the monthly income while setting their personal loan interest rates. Applicants with higher income usually have higher repayment capacity, which lowers the credit risk for the lender. This benefit is then passed to the applicant in the form of a lower interest rate.

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How Can I Apply for a Personal Loan Online?

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

Apply Now

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FAQs

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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What our customers say

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

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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