Personal, home, vehicle & other loans

PNB Digital Car Loan

A fully digital loan for a new car, van, jeep, or , from ₹1 lakh to ₹1 crore, for applicants aged 21–70 with at least ₹25,000 monthly income.

RateThe current PNB new-car table publishes floating rates from 7.60% to 9.70% p.a. and fixed rates from 8.60% to 10.70% p.a., varying by vehicle type, CIBIL and borrower route.Maximum amount₹1 lakh minimum and ₹1 crore maximum.TenureNot published on the reviewed Digital Car Loan page; the standard vehicle scheme publishes up to 84 months for a new vehicle, subject to route and remaining service.

Official product page ↗Compare category

✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

India; resident individuals

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 typeDigital new-car loan for a car, van, jeep, MUV or SUV.View source

The official purpose section lists new cars and the covered vehicle types.

Source: PNB Digital Car Loan
Page / section: Purpose
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

RateThe current PNB new-car table publishes floating rates from 7.60% to 9.70% p.a. and fixed rates from 8.60% to 10.70% p.a., varying by vehicle type, CIBIL and borrower route.View source

The current new-car rate table publishes the 7.60–9.70% floating and 8.60–10.70% fixed range.

Source: Retail Advances — PNB current rate table
Page / section: Car Loan (New Car)
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

BenchmarkRLLR + BSP with CIBIL-, vehicle- and borrower-route spread.View source

The current table expresses new-car rates using + and route-specific spreads.

Source: Retail Advances — PNB current 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 Digital Car Loan.View source

The digital product page and current car rate table publish but no calculation.

Source: PNB Digital Car Loan — complete rate review
Page / section: Complete rate and charge review
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeMinimum income ₹25,000 per month; two years' ITR filing is mandatory.View source

The official eligibility section states ₹25,000 monthly income and two-year filing.

Source: PNB Digital Car Loan
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum amount₹1 lakh minimum and ₹1 crore maximum.View source

The official loan-amount section publishes the ₹1 lakh floor and ₹1 crore ceiling.

Source: PNB Digital Car Loan
Page / section: Loan amount
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureNot published on the reviewed Digital Car Loan page; the standard vehicle scheme publishes up to 84 months for a new vehicle, subject to route and remaining service.View source

The digital page does not state a tenure; the linked vehicle scheme chart publishes the standard new-vehicle ceiling separately.

Source: PNB Digital Car Loan — tenure review
Page / section: Complete product review
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing feeNIL on the reviewed Digital Car Loan page for processing and documentation charges.View source

The official digital page states nil processing and documentation charges.

Source: PNB Digital Car Loan
Page / section: Processing fee and documentation Charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureNot published as a Digital Car Loan-specific amount on the reviewed product page or current retail-charge table.View source

No Digital Car Loan-specific prepayment value is stated in the reviewed sources.

Source: PNB Digital Car Loan — complete charge review
Page / section: Complete charge review
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

₹1 lakh minimum and ₹1 crore maximum
Minimum monthly income ₹25,000
Digital , income fetch and video- journey
Nil processing and documentation charges on the reviewed page
New car, van, jeep, and financing

Eligibility

Resident individual applicant aged 21–70 with assured regular income; existing-to-bank applicants need a fully -compliant PNB account with registered mobile and email. Two years' filing is mandatory.

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

Documents the bank lists

and Aadhaar linked to mobile
Valid mobile number and email
login credentials for income fetch
Vehicle quotation
Video- capability for new-to-bank customers

Try the numbers

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Loan repayment estimate

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

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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

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ProductChoose column

PNB Swaagat · Current rate10.60–12.60% floating; 11.60–13.60% fixed

This value is copied from PNB retail loans — batch 2 published terms. Check the table notes before relying on it.

Source: PNB retail loan product pages, rate table and charge schedule · Swaagat, my Property, Doctor's Delight, Power Ride and Digital Car Loan Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 5 rows · 5 columnsPNB retail loans — batch 2 published termsAmounts, rates, income rules, tenures and charges from PNB's official product pages and shared current disclosures.View tableHide table

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PNB retail loans — batch 2 published terms
Product	Current rate	Amount / income	Tenure	Charges
PNB Swaagat	10.60–12.60% floating; 11.60–13.60% fixed	₹25,000–₹10 lakh; salary account with another bank	Up to 72 months or age 60	Product-specific fee not published
PNB my Property Loan	9.05–11.55% TL; 9.55–12.05%	₹2 lakh–₹5 crore; ₹25,000 monthly salaried / ₹3 lakh annual other	180 months/15 years or age 70	0.75%, max ₹1 lakh; docs ₹2,500/₹5,000; nil prepayment
PNB Doctor's Delight	Product-specific rate not published	₹2–₹20 lakh or 24× income; ₹5 lakh annual minimum	Up to 84	0.90% + ₹450 docs; nil prepayment
PNB Power Ride	10.00% floating; 11.00% fixed	Up to ₹60,000; ₹8,000 monthly minimum	Up to 36 months	0.50%, ₹500–₹1,000; nil prepayment
PNB Digital Car Loan	7.60–9.70% floating; 8.60–10.70% fixed	₹1 lakh–₹1 crore; ₹25,000 monthly minimum	Digital page not published; standard new-car scheme up to 84 months	Nil processing/documentation

PNB retail loan product pages, rate table and charge schedule · Swaagat, my Property, Doctor's Delight, Power Ride and Digital Car Loan · accessed 30 Aug 2026Open official source ↗

PNB Digital Car Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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