Below are some key PNB Personal Loan details:
|Loan amount||Up to Rs. 15 Lakhs|
|Rate of interest||8.45% - 14.50%|
|Tenure||Up to 84 months|
|Lowest EMI possible||Rs. 1,581 Per Lakh|
|Processing fee||Up to 1% of the loan amount|
|Documentation charges||Up to Rs. 500|
Some attractive features of PNB Personal Loan are:
Below is the detailed PNB personal loan eligibility criteria:
KYC Documents for All Applicants
Income Proof Documents
The Punjab National Bank Personal Loan EMI can be easily calculated using the MyMoneyMantra EMI Calculator. It is one step, instant Loan EMI Calculator.
All you need to do is fill the basic loan parameters such as amount, interest rate and tenure. As you hit the Enter button, it will provide details: loan EMI, total payable interest and total payment.
You can use an EMI calculator a number of times and compare different combinations so as to assess the most affordable repayment plan for yourself.
The EMI of a loan depends on the following factors:
Punjab National Bank (PNB) allows you to check your PNB personal loan status online by following steps mentioned below:
You can dial the following numbers to connect to the Punjab National Bank contact centers for any queries regarding PNB loan:
To add more ease to the customers, PNB also extends regional language support to customers on customer care telephone calls. Customers can report their disputes or queries with more ease in their regional languages like Tamil, Telugu, Kannada, Malayalam or Punjabi, besides English and Hindi.
You can also fill an online complaint form by visiting the official PNB website.
You can use the contact banking ombudsman if the bank fails to resolve or does not reply to your query.
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Yes. Personal Loans from Punjab National Bank are offered to salaried as well as self-employed individuals. However, the rates may vary. Contact our loan experts to know about the most affordable offer. As a self-employed applicant, you can also use the Advance against Gold Jewellery for affordable credit.
You can repay Personal Loans via post-dated cheque or using the ECS facility.
You can certainly repay your loan amount ahead of schedule. The bank will not levy any charges on that.
The time required to complete the whole process depends upon the quality of the paperwork being submitted. With properly done paperwork, the loan disbursement can be carried out smoothly.
You can calculate your Loan EMI using the EMI Calculator on MyMoneyMantra website. It is accurate, instant and free of cost.
The Personal Loans are offered for tenure of up to 84 months for doctors 60 months for others.
No, it is not necessary to have an account in the Punjab National Bank to apply for a loan. However, the account holders can certainly enjoy additional benefits.
Yes. However, it is advisable to wait for at least 6 months after your personal loan application gets rejected before you reapply with PNB. After the waiting period, you can contact the bank for reapplication.