Personal, home, vehicle & other loans

PNB Doctor's Delight Personal Loan

A professional personal loan for doctors, from ₹2 lakh up to ₹20 lakh or 24× monthly gross income, with a published ₹5 lakh minimum gross annual income.

RateNot published as a separate Doctor's Delight percentage on the reviewed product page or current retail rate table; the page links to the applicable PNB rate disclosure.Maximum amount₹2 lakh minimum and ₹20 lakh maximum, or 24× monthly gross salary/income, whichever is lower.TenureUp to 84 EMIs or the remaining service period, whichever is earlier; overdraft is adjusted over a maximum 84 months.

Official product page ↗Compare category

✓ 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 typeProfessional/personal term loan or overdraft for eligible doctors.View source

The official page describes professional/personal requirements and term-loan/overdraft repayment.

Source: PNB Doctor's Delight — Personal Loan to Doctors
Page / section: Purpose and Repayment
Accessed: 30 Aug 2026
Confidence: high

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RateNot published as a separate Doctor's Delight percentage on the reviewed product page or current retail rate table; the page links to the applicable PNB rate disclosure.View source

The page provides a rate link but neither it nor the reviewed current table labels a separate Doctor's Delight rate row.

Source: PNB Doctor's Delight — complete rate review
Page / section: Rate Of Interest
Accessed: 30 Aug 2026
Confidence: high

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BenchmarkNot published as a product-specific benchmark on the reviewed Doctor's Delight page.View source

The official page links to rates without naming a benchmark for this variant.

Source: PNB Doctor's Delight — complete rate review
Page / section: Rate Of Interest
Accessed: 30 Aug 2026
Confidence: high

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APRNot published as a separate APR percentage or calculation for Doctor's Delight.View source

No calculation appears in the product page, rate link or retail charge table reviewed.

Source: PNB Doctor's Delight — complete rate review
Page / section: Complete rate and charge review
Accessed: 30 Aug 2026
Confidence: high

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Minimum incomeMinimum gross annual income/salary ₹5 lakh and above is mandatory.View source

The official quantum section states the ₹5 lakh minimum gross annual income.

Source: PNB Doctor's Delight — Personal Loan to Doctors
Page / section: Quantum Of Finance
Accessed: 30 Aug 2026
Confidence: high

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Maximum amount₹2 lakh minimum and ₹20 lakh maximum, or 24× monthly gross salary/income, whichever is lower.View source

The official quantum section publishes the floor, ceiling and income multiple.

Source: PNB Doctor's Delight — Personal Loan to Doctors
Page / section: Quantum Of Finance
Accessed: 30 Aug 2026
Confidence: high

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TenureUp to 84 EMIs or the remaining service period, whichever is earlier; overdraft is adjusted over a maximum 84 months.View source

The official repayment section publishes the 84- maximum for term loan and overdraft.

Source: PNB Doctor's Delight — Personal Loan to Doctors
Page / section: Repayment (Maximum)
Accessed: 30 Aug 2026
Confidence: high

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Processing fee0.90% of loan amount; documentation charge ₹450, with GST/taxes added where applicable.View source

The current retail schedule publishes 0.90% processing and ₹450 documentation charges.

Source: Services Charges Related to Retail Advances — PNB
Page / section: PNB Doctor's Delight — Personal Loan to Doctors
Accessed: 30 Aug 2026
Confidence: high

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Prepayment / foreclosureNIL.View source

The official page states NIL prepayment charges.

Source: PNB Doctor's Delight — Personal Loan to Doctors
Page / section: Prepayment Charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

₹2 lakh minimum and ₹20 lakh maximum, capped at 24× monthly gross income
Minimum gross annual income ₹5 lakh
Nil margin
Up to 84
Nil prepayment charge

Eligibility

For professional/personal requirements of eligible doctors; the page requires suitable third-party guarantee and tangible collateral equal to 100% of the loan amount.

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

Documents the bank lists

and address proof
Medical qualification and professional registration
Income proof and tax returns
Collateral and guarantee documents

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Loan repayment estimate

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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 Doctor's Delight Personal Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

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Loan repayment estimate

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Complete rates, limits and schedules

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