How to take PNB Personal Loan?

PNB Personal Loan Online Apply: Through today's article we will all know the process of taking personal loan from Punjab National Bank. Punjab National Bank is a very good government bank which provides good facilities to its customers from time to time. Different types of unsecured loans are given through Punjab National Bank, a selected favorite bank of India. Detailed information about how to take personal loan through Punjab National Bank was shared in this article. By reading this article , you can know the process of applying PNB Personal Loan Online in a very simple process .

If you need money and want to fulfill your needs, then Punjab National Bank is always ready for you. You can get a personal loan from Punjab National Bank by providing very few documents. All information about how to apply for PNB Personal Loan Online has been provided in detail in this article. You can apply PNB Personal Loan Online by reading and understanding the article till the end .

Types of PNB Personal Loan

1. Personal Loan for Public​ 

• Purpose : To meet personal financial needs like medical emergency, marriage, education, domestic/foreign travel.
• Loan amount : Up to Rs 20 lakh (up to 24 times the gross monthly salary)
• Duration : Up to 6 years

Personal Loan Scheme for Non-Employed

• Purpose: Collateral-free loan for non-employed individuals to meet their personal/business needs.
• Loan amount: 10 times the average gross monthly income of the last two years, maximum Rs 5.00 lakh.
• Tenure: 5 years or till 65 years of age, whichever is earlier

Personal Loan Scheme for Doctors​

• Objective : To meet the professional/personal financial needs of doctors with net annual income of Rs 5 lakh or more.
• Loan amount : Rs 2 lakh- Rs 20 lakh (up to 24 times the gross monthly income), whichever is less.
• Duration : Up to 7 years

Personal Loan for Pensioners​ 

Objective: To meet the individual financial needs of the pensioner receiving pension through PNB.

• • Loan Amount :

1. Minimum – Rs 25,000
2. Maximum – Upto 70 years of age – up to Rs 10 lakh or 18 times the net monthly pension (20 times for defense pensioners), whichever is lower. 70 to 75 years – up to Rs 7.50 lakh or 18 times the net monthly pension (for defense pensioners) whichever is lower. 20 times for pensioners), whichever is lower Above 75 years – Up to Rs 5 lakh, or 12 months pension amount, whichever is lower  

Tenure : 5 years or till 78 years of age, whichever is earlier

Documents required to take PNB Personal Loan

If you want to take a personal loan through Punjab National Bank, then for this you should also have some important documents available. Documents required for taking personal loan through Punjab National Bank are as follows-

• Aadhar card
• PAN card
• Address Proof (Aadhar Card, PAN Card, Driving License etc.)
• voter card i.e. identity card
• Address proof
• Income certificate i.e. (any certificate required to verify your income)
• Income tax return details of last 3 years will have to be given
• Bank statement of last 6 months
• passport size photo
• mobile number
• Email ID etc.

Necessary conditions/eligibility for PNB Personal Loan

1. If you want to take PNB Personal Loan, then you will have to fulfill some important conditions/eligibility, information about which is as follows-To avail a personal loan from PNB, your monthly income should be at least Rs 30 thousand.
2. The person applying for a personal loan must have his own business or job.
3. You should not have taken a loan from any other finance company.
4. PNB Personal Loan can be availed only by a person whose age is between 21 years to 58 years.

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