PNB Personal Loan 2024: You all must be aware that Punjab National Bank is a government bank. This bank provides many benefits to its customers. This time also, Punjab National Bank is giving personal loan from 50 thousand to 15 lakhs to all its money needy customers. Punjab National Bank is providing personal loan to all its customers in just 5 to 10 minutes. If you have a bank account in Punjab National Bank and you also need a loan, then all of you can apply for personal loan online.
If you also want to take a loan from Punjab National Bank, then you should be doing any type of job or business and your monthly income should be more than 15 thousand. To apply for personal loan in Punjab National Bank, all of you will need some documents. If you meet all the loan eligibility criteria then you can easily get a loan from the bank.
If you want to apply for a personal loan in Punjab National Bank then you must read this article till the end. Because today in this article we are going to tell you about all the eligibility criteria, benefits, interest rates, required documents and application process for personal loan. So that all of you can easily apply for personal loan in Punjab National Bank and avail it.
PNB Personal Loan 2024 Overview
If you have an account in Punjab National Bank and you need money, then you can apply for a personal loan. Because Punjab National Bank is providing personal loan from Rs 50 thousand to Rs 15 lakh to all its customers. All of you will be given loan on the basis of your bank’s credit score or Sibile score. The better your Sibile score, the more loan you will get. All of you can apply for personal loan in Punjab National Bank through both online and offline.
| Article Name | PNB Personal Loan 2024 |
| Bank Name | Punjab National Bank (PNB) |
| Loan Type | Personal Loan |
| Beneficiary | All Punjab National Bank account holders |
| Loan Amount | Rs. 50,000 – 15,00,000/- |
| Annual Interest Rate | 8.95% – 10.75% |
| SIBILE Score | Above 650 |
| Age Limit | 21 – 58 |
| Application Process | Online |
| Official Website | pnbindia.in |
PNB Personal Loan Interest Rate
If you want to apply for PNB Personal Loan, then you should check the following interest rates once.
- If you take a personal loan from Punjab National Bank from Rs 1 lakh to Rs 10 lakh, then you will have to pay 8.95% interest rate on it. (In salary bank account)
- If you take a personal loan from Punjab National Bank from Rs 5 lakh to Rs 10 lakh, then you will have to pay 10:30% interest rate on it. (For non-salaried people)
- Punjab National Bank has fixed the interest rate of 10.75% for personal loans for all pensioners.
- Every person taking a personal loan from Punjab National Bank will have to pay 1% processing fee.
- If you want to take a personal loan, then your CIBIL score should be more than 650.
Benefits of Getting PNB Personal Loan
- The biggest benefit for every person applying for a personal loan from Punjab National Bank is that you can easily apply online and offline and you can apply without any agent in between.
- The loan amount will be transferred to your bank account within 15 days of applying for a personal loan from this bank.
- In this bank, you will easily get a personal loan ranging from Rs 50 thousand to Rs 15 lakh.
Eligibility Criteria to get PNB Personal Loan
If you want to apply for PNB Personal Loan, you must fulfil all the eligibility criteria given below.
- Every person applying for a personal loan from Punjab National Bank must have a monthly income of more than Rs 30,000.
- The minimum age of a person applying for a personal loan is 21 years and the maximum age is 58.
- The person applying for a personal loan from this bank must have a CIBIL score of more than 650.
- The applicant must not have been declared a defaulter by any bank.
Documents Required for PNB Personal Loan
- Aadhar Card and PAN Card
- Voter ID Card
- Identity Card
- Income Certificate
- Bank Account Details
- Last 3 Month Bank Statement
- Mobile Number and Email ID
- Passport Size Photo etc.
How to apply online for PNB Personal Loan?
Every person applying online for PNB Personal Loan has to follow all the following steps.
- To apply online for Punjab National Bank loan, first you have to visit the Official Website of the bank.
- After this, you have to click on the option of “Loans” on the home page.
- Later you have to click on the option of “Apply” given below “Personal Loan Scheme For Public”.
- After this you have to click on the option of “Retail Loan”.
- Later you have to click on the option of “Personal Loan”.
- Now you have to fill all the information asked in the form. Later all the required documents have to be uploaded.
- Later you have to click on the submit button.
- Finally your form will be checked by the bank employees. If all your information is correct then your loan will be approved. And the loan amount will be transferred to your bank account.
