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.
Interest Rates of PNB Insta Loans
| Loan Type | Interest Rate (p.a.) |
| PNB Insta Personal Loan | 10.75% – 14.25% |
| PNB Insta Pension Loan | 10.75% – 14.25% |
Note: Rates as of 28 February 2025
Types of PNB Insta Loans
PNB Insta Personal Loan for Existing Salaried Customers
Purpose: This pre-approved personal loan scheme is offered to employees of Central Government, State Government, PSUs, defence and paramilitary forces maintaining their salary accounts with PNB.
Loan Details:
- Interest Rate: 10.75% p.a. onwards
- Age: Applicant should be less than 60 years
- Loan Amount: Rs. 25,000 – Rs. 20 lakh
- Processing Fees: 0.50% of loan amount inclusive of all the charges with Min. Amt of Rs.500 plus GST inclusive of all charges & stamp duty
- Maximum Loan Amount- Rs 8 lakh for states where e-documentation is currently active and Rs 5 lakh for other states
- Repayment tenure: Up to 6 years
Apply for Insta Personal Loans at Attractive Interest Rates Click Here
PNB Insta Personal Loan for Existing Home Loan, Car Loan & Personal Loan Borrowers of PNB
- Interest Rate: 10.75% p.a. onwards
- Loan Amount: Rs 25,000 to Rs. 8 lakh
- Age Criteria: Applicant should be less than 60 years
- Repayment Tenure: Up to 6 years or age up to 65 years
- Offered only to existing PNB borrowers having satisfactory repayment history in the last 3 years
Pre-approved Personal Loan offered to other Existing PNB Customers
- Interest Rate: 10.75% p.a. onwards
- Loan Amount: Rs 25,000 to Rs. 4 lakh
- Minimum age of the applicant should be less than 60 years
- Repayment Tenure offered is up to 6 years or age up to 65 years
- Offered to existing customers on the basis of their bank account’s Quarter Average Balance (QAB) and Transactional Relationship Value (TRV)
PNB Insta Pension Loan
Purpose: Punjab National Bank offers PNB Insta Pension Loans to retired individuals drawing their pension through PNB
Loan Details:
- Interest Rate: 10.75% p.a.
- Age: Up to 69 years
- Loan Amount: Rs. 25000 – Rs. 8 lakh
- Processing Fees: 0.50% of loan amount inclusive of all the charges with Min. Amt of Rs.500/+GST inclusive of all charges & stamp duty
- Repayment Tenure: Up to 6 years or age up to 70 years, whichever is earlier
PNB Insta E-Mudra Loan
Purpose: Existing customers of PNB and entrepreneurs can avail PNB Insta E-Mudra Loan with instant loan sanction and disbursal to meet their business requirements.
Collateral-free loan under Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) coverage.
Eligibility Criteria:
- Age: Minimum 18 years and maximum 60 years at the time of loan maturity
- Applicant should be an entrepreneur or business owner
- Udyam Registration Number is mandatory
- Applicant should have his/her active Saving/Current account with PNB since past 1 year with satisfactory operations
- Aadhaar should be linked in the bank account and with mobile number
Processing Charges of PNB Insta Loans
| Loan Type | Processing Charges |
| PNB Insta Personal Loan | 0.50% of loan amount (Minimum Rs 500) + GST |
| PNB Insta Pension Loan | 0.50% of loan amount (Minimum Rs 500) + GST |
| PNB Insta E-Mudra Loans | For Consumer- Rs 50 per CIC
For Priority Sector Loan up to Rs 25,000- NIL |
Apply for Insta Personal Loans at Attractive Interest Rates Click Here
Eligibility Criteria for availing PNB Insta Loans
For PNB Insta Personal Loan
- Job Profile: Employees of Central Government, State Government, PSUs, Defence and Paramilitary forces having salary account with PNB
- Applicant should be less than 60 years old
For PNB Insta Pension Loan
- Applicant should be below 70 years of age
- All types of pensioners maintaining their pension accounts with Punjab National Bank can avail PNB Insta Pension Loans
For PNB Insta E-Mudra Loan
- Age: Minimum 18 years at the time of loan application and maximum 60 years at the time of loan maturity
- Applicant should be a businessman
- Applicant having active savings/current account with PNB for the past 12 months with satisfactory account operations can avail PNB Insta E-Mudra Loan
Apply for Insta Personal Loans at Attractive Interest Rates Click Here
Documents Required for Loan Application
Pre-approved Insta Loans from PNB require minimal online documentation through National E-Governance Services Limited (NeSL) for loan approval and disbursement. Below mentioned are the documents required by PNB for availing Insta Loans:
For PNB Insta Personal Loan/Insta Pension Loan
- E-sign and E-stamping using NeSL (Aadhar OTP based)
For PNB Insta E-Mudra Loan
- Udyam Registration Number (mandatory)
Note: Aadhar should be linked with the registered mobile number
Customer Care Numbers:
Toll Free: 1800-180-2222 / 1800-103-2222
Tolled No: 0120-2490000