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Personal, home, vehicle & other loans

PNB Combo Car Loan

A concessional new-car loan linked to a PNB housing loan, financing up to 90% of on-road price for up to 84 months with an extended mortgage security.

RateThe scheme page links to PNB's current new-car rate table; the table publishes new-car floating rates from 7.60% to 9.70% p.a. and fixed rates from 8.60% to 10.70% p.a. by borrower/CIBIL/e-vehicle route, without a separate Combo line.Maximum amountUp to 90% of the on-road price of the brand-new car; the page does not publish a separate rupee ceiling.TenureUp to 84 months or the remaining repayment period of the housing loan, whichever is shorter.
Official product page ↗Compare category

Quick eligibility check

PNB Combo Car Loan

0 of 4 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: Salaried applicants: minimum gross monthly income ₹50,000?

Published source: Minimum income

2Does your annual income meet this requirement: Professionals, self-employed and business applicants: minimum post-tax annual income ₹6 lakh, averaged over the last three years, with consistent gross-income growth?

Published source: Minimum income

3Do you meet this requirement: Existing housing-loan accounts must be standard with a satisfactory track record?

4Does your annual income meet this requirement: Total deductions including housing, other loans and proposed car must not exceed 60% of gross income?

0 of 4 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeNew-car term loan linked to an existing or new PNB housing loan, secured by extending the mortgage on the housing-loan property.View source
The official page limits the scheme to brand-new four-wheelers and housing-loan borrowers and states mortgage extension security.
Source
PNB Combo Car Loan Scheme
Page / section
Objective, Eligibility and Additional Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RateThe scheme page links to PNB's current new-car rate table; the table publishes new-car floating rates from 7.60% to 9.70% p.a. and fixed rates from 8.60% to 10.70% p.a. by borrower/CIBIL/e-vehicle route, without a separate Combo line.View source
The current table publishes route/ new-car bands but does not label a separate Combo Loan row.
Source
Retail Advances — PNB interest-rate table
Page / section
Car Loan (New Car)
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkRLLR + BSP with the applicable new-car borrower/CIBIL spread; the Combo page does not publish a separate benchmark.View source
PNB expresses the new-car table as + plus route and score spreads.
Source
Retail Advances — PNB interest-rate table
Page / section
Car Loan (New Car)
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR percentage or calculation for PNB Combo Car Loan.View source
The product page and current rate table publish bands but no calculation.
Source
PNB Combo Car Loan — complete rate review
Page / section
Rate Of Interest
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeSalaried applicants: minimum gross monthly income ₹50,000. Professionals, self-employed and business applicants: minimum post-tax annual income ₹6 lakh, averaged over the last three years, with consistent gross-income growth.View source
The official page states both income floors and caps total deductions including the proposed at 60% of gross income.
Source
PNB Combo Car Loan Scheme
Page / section
Gross Income
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountUp to 90% of the on-road price of the brand-new car; the page does not publish a separate rupee ceiling.View source
PNB states a 10% on-road margin, equal to 90% financing, with no separate rupee cap.
Source
PNB Combo Car Loan Scheme
Page / section
Margin
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureUp to 84 months or the remaining repayment period of the housing loan, whichever is shorter.View source
The official repayment section publishes the 84-month ceiling and housing-loan-linked limit.
Source
PNB Combo Car Loan Scheme
Page / section
Repayment Period
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNIL under the current PNB retail charge schedule for PNB Combo Loan Scheme.View source
The current schedule explicitly lists PNB Combo Loan Scheme as nil.
Source
Services Charges Related to Retail Advances — PNB
Page / section
PNB Combo Loan Scheme
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published as a Combo Car Loan-specific amount on the reviewed scheme page or current charge schedule.View source
The reviewed page and current schedule do not state a Combo-specific prepayment amount.
Source
PNB Combo Car Loan — complete charge review
Page / section
Complete charge review
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Only brand-new four-wheelers are financed
  • Housing-loan sanction limit must be at least ₹15 lakh
  • Minimum gross income ₹50,000/month for salaried applicants or ₹6 lakh average post-tax annual income for professionals/self-employed
  • 90% of on-road price financed; 10% margin
  • Repayment up to 84 months or remaining housing-loan period, whichever is shorter
  • Nil processing fee under the current PNB charge schedule

Eligibility

  • Existing housing-loan accounts must be standard with a satisfactory track record. Total deductions including housing, other loans and proposed car must not exceed 60% of gross income.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Housing-loan account and sanction details
  • , income and tax documents
  • New-car quotation and registration documents
  • Mortgage-extension/security documents

Related official documents

PNB Combo Car Loan Schemeofficial-product-page · current · accessed 30 Aug 2026
↗
Services Charges Related to Retail Advances — PNBofficial-service-charge-page · current · accessed 30 Aug 2026
↗
Retail Advances — PNB interest-rate tableofficial-rate-table · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

PNB Gen-Next Housing · RateHousing table 7.25–10.15% floating bands; no separate Gen-Next row

This value is copied from PNB Gen-Next and Combo loans — published terms. Check the table notes before relying on it.

Source: PNB Gen-Next Housing and Combo Car official scheme pages, rate table and charge schedule · Special housing and vehicle loans Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 2 rows · 5 columnsPNB Gen-Next and Combo loans — published termsIncome, amount, tenure, security and charges from PNB's official scheme pages and shared disclosures.View tableHide table

Scroll sideways to view every column

PNB Gen-Next and Combo loans — published terms
ProductRateAmount / eligibilityTenureCharges
PNB Gen-Next HousingHousing table 7.25–10.15% floating bands; no separate Gen-Next row₹20 lakh minimum; need-based maximum; ₹35,000 net monthly minimum; salaried 3+ years; age 40/45 rules30 years; 36/60-month moratorium bandsGen-Next-specific fee and prepayment not separately published
PNB Combo CarNew-car table 7.60–9.70% floating / 8.60–10.70% fixed bands; no separate Combo row90% on-road finance; ₹50,000 monthly salaried or ₹6 lakh annual self-employed minimum; housing-loan sanction ₹15 lakh+Up to 84 months or housing-loan balanceNil processing; prepayment not separately published
PNB Gen-Next Housing and Combo Car official scheme pages, rate table and charge schedule · Special housing and vehicle loans · accessed 30 Aug 2026Open official source ↗

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