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Disclaimer: Punjab National Bank is not a Paisabazaar partner for personal loans and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Punjab National Bank for personal loans. No offers/services from Punjab National Bank are being provided by Paisabazaar for personal loans. For further information about Punjab National Bank for personal loans, users are required to reach out directly to Punjab National Bank.
Highlights of PNB Personal Loan Interest Rates
For Salaried & Self-Employed Applicants
| Particulars | Interest Rates (p.a.) |
| Floating Interest Rates | 10.50% – 16.05% p.a. |
| Fixed Interest rates | 11.50%-17.05% p.a. |
For Pensioners
| 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 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 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.
PNB Personal Loan Floating Interest Rates
PNB SAHYOG RIN – Term Loan – Interest Rate Starting from 10.50% p.a
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% |
PNB SAHYOG RIN – Overdraft – Interest Rate Starting from 10.50% 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 | 10.50% |
| 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% |
Interest Rates of PNB Digital Personal Loan Starting From 10.60% 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 | 10.60% |
| 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% |
Interest Rates of Digital Personal Loan for New to Bank (NTB) customers – PNB Swaagat – Starting From 11.60% p.a.
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% |
Interest Rates for Pensioners Drawing Pension Through PNB
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% |
PNB Personal Loan Fixed Interest Rates
PNB SAHYOG RIN – Interest Rate Starting from 11.50% 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 | 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% |
Interest Rates of Digital Personal Loan – PNB Pre-Approved Loan – Starting From 11.60% 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 | 11.60% |
| 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% |
Digital Personal Loan – PNB SWAAGAT (New to Bank Customers) – Starting From 11.60% p.a.
| 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% |
PNB Personal Loan for Pensioners
| Type | Interest Rate (p.a.) |
| Personal Loan for Pensioners (Term Loan/Overdraft/Demand Loan) | 11.85% |
Comparison of PNB Personal Loan Interest Rates with SBI, HDFC & Axis Bank
| Banks | Punjab National Bank | SBI | HDFC | Axis |
| Rates | 10.50%-17.05% p.a. | 10.30%-15.30% p.a. | 10.90%-24.00% p.a. | 10.49% 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 |
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.
- 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.
Paisabazaar’s Personal Loan EMI Calculator – Estimate Your Loan Instantly
Using a personal loan EMI calculator helps you to check your EMI affordability, determine the optimum loan tenure for comfortable repayments and plan your finances more efficiently to ensure timely loan repayments.