Get Low PNB Personal Loan Interest Rate In Short Time

Are you looking for a personal loan? If yes then have a look at Punjab National Bank personal loanThis personal loan is available up to Rs.15 lakhs, with interest rates ranging from 8.95 percent to 14.50 percent per annum. The payback period for PNB’s various personal loan programs is flexible, ranging from one to five years.  

PNB Personal Loan Benefits 

The following are some of the key advantages of taking out a PNB Personal Loan:  

  • Various schemes are available: Punjab National Bank offers a variety of personal loan programs that are tailored to various categories of borrowers.
  • Amount of the loan: Punjab National Bank offers a personal loan of up to Rs. 15 lakhs starting with a minimum loan amount of Rs. 25,000.
  • Application is simple: Individuals can apply for a personal loan from Punjab National Bank either online or in-person, depending on their preference.
  • The loan repayment period is flexible: PNB personal loans are one of the most flexible methods to borrow, with repayment periods ranging from 12 to 60 months and the option of foreclosure.
  • No hidden fees or charges: The bank charges for its services in a transparent manner, so an applicant is aware of all fees and costs at the time of applying for a loan.

PNB Personal Loan Schemes 

  1. Personal Loan Program for the General Public

The following are some of the aspects of PNB’s personal loan program that you should be aware of: 

  • Any paid individual can utilize this personal loan program to meet a variety of demands, including paying for their children’s schooling, home repairs, vacations, self-marriage or the marriage of their offspring, and so on.  
  • This personal loan plan is open to any salaried employee who has worked for a federal or state government agency, university, autonomous body, or other similar organization. 
  • The repayment period ranges from 1 to 5 years. 
  • Under this scheme, you can get a loan for as little as Rs.50,000. 
  • Depending on your occupation, annual earnings, and the bank’s terms and conditions, the maximum loan amount can range from Rs.4 lakhs to Rs.10 lakhs.
  1. Doctors’ Personal Loan Program:

The following are some of the characteristics and advantages of this personal loan program:  

  • This personal loan scheme is available to doctors who earn a salary of Rs.5 lakhs or more and have paid taxes for the past two years. 
  • A doctor’s maximum loan amount is Rs.15 lakhs, with a minimum loan amount of Rs.2 lakhs. 
  • The repayment period can last anywhere from 1 to 7 years. 
  • This personal loan can be used to meet a doctor’s personal and professional needs. 
  1. Pensioners’ Personal Loan Program

The following are some of the characteristics and advantages of this personal loan program: 

  • PNB customers who have retired from their work and are PNB customers can apply for this personal loan plan. 
  • A minimum loan amount of Rs.25,000 is available. Depending on the pensioner’s age, the maximum credit amount available under this personal loan scheme is Rs.10 lakh. 
  • The repayment period can last anywhere from one to five years. 
  • The repayment period is two years if the pensioner is over the age of 75. 
  • The goal of taking out a personal loan is to allow a retiree to cover their own expenses, such as medical expenses.

Interest Rates on Personal Loans at Punjab National Bank: Factors to Consider 

  • Information about the job: If you are a permanent employee of a reputable company, PNB may be able to offer you lower interest rates on your personal loans. The bank will look into your employment history and the worth of your assets before deciding to offer you cheaper rates. PNB offers both salaried and non-salaried customers a variety of personal loan solutions.
  • Relationship with PNB: When it comes to personal loans, banks normally give high-value customers preferential rates. Furthermore, if you have a good working relationship with PNB, you may be qualified. 
  • Loan tenure: Taking out a personal loan for a longer period of time may result in a lower interest rate. If the bank determines that you are capable of repaying your personal loan on time and without defaulting, you may be charged a lesser interest rate.

Personal Loan Scheme for Public Employees Eligibility Criteria  

  • All permanent defense personnel, including officials from Military Station Headquarters, the Central Reserve Police Force, the Border Security Force, the Indo Tibetan Border Police, and the Central Industrial Security Force, among others. Loan requests from Defense personnel who are set to retire within the next 24 months may not be considered. 
  • Confirmed/permanent employees of all reputable companies/institutions, including schools, universities, colleges, autonomous bodies, hospitals/nursing homes, who are either collecting their salaries through accounts kept with our branches or if these employers agree to check off facility.

Doctor’s Delight by PNB  

  • Professionally qualified practicing/serving doctors, such as MBBS, BDS, and others, can apply for this loan. 
  • Doctors must have been taxpayers for at least the previous two years and have a net annual income/salary of Rs. 5.00 lakh or more. 
  • He or she must have lived at their current address for a minimum of two years (this does not apply to doctors who work for the government/institutions, etc). 

Pensioners’ Personal Loan Program  

All pensioners who get their pension through a Punjab National Bank branch are eligible for this personal loan. It is not possible to close a pension account during the loan term.  


To sum up, PNB offers online services which include applying for PNB Personal loan, checking PNB personal loan status, and many other. Afinoz can be a good option to get a low interest rate on PNB personal loan.