Personal, home, vehicle & other loans

PNB Insta Vehicle Loan

A term loan for a car or two-wheeler for existing PNB home-loan borrowers, with 90% on-road funding up to ₹10 lakh and no fresh income proof.

RateCurrent PNB vehicle rate table applies; for new cars the top floating band is 7.65% p.a. (non-e-vehicle) or 7.60% p.a. (e-vehicle), while the Insta Vehicle fixed rows show 8.65%/8.60% for the corresponding vehicle types.Maximum amount90% of the car or two-wheeler on-road price, maximum ₹10 lakh.TenureMaximum 100 months for four-wheelers or 84 months for two-wheelers.

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✓ 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 typeTerm vehicle loan for personal-use car or two-wheeler purchase, secured by hypothecation of the vehicle.View source

PNB defines the purpose as personal car/two-wheeler purchase and the facility as a term loan.

Source: PNB Insta Vehicle Loan Scheme
Page / section: Purpose and Type of Facility
Accessed: 30 Aug 2026
Confidence: high

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The current rate sheet includes an Insta Vehicle Loan row and publishes separate non-e-vehicle/e-vehicle rates.

Source: PNB Retail Advances Interest Rates
Page / section: 2.1 CAR LOAN (New Car)
Accessed: 30 Aug 2026
Confidence: high

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BenchmarkRLLR + BSP for floating vehicle-loan bands; the fixed option is stated as a percentage in PNB's current table.View source

PNB expresses floating car rates as + spreads and separately lists fixed rates.

Source: PNB Retail Advances Interest Rates
Page / section: 2.1 CAR LOAN (New Car)
Accessed: 30 Aug 2026
Confidence: high

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APRNot published as a separate APR percentage or calculation.View source

The product page and linked rate sheet publish , not an calculation.

Source: PNB Insta Vehicle review
Page / section: Rate of interest
Accessed: 30 Aug 2026
Confidence: high

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Minimum incomeNo fresh income proof is required; eligibility is based on an existing PNB home loan that has run for at least three years without an EMI default.View source

PNB states no pre-sanction/fresh income proof is required and sets the three-year clean home-loan condition.

Source: PNB Insta Vehicle Loan Scheme
Page / section: Eligibility and Special Features
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum amount90% of the car or two-wheeler on-road price, maximum ₹10 lakh.View source

The official page publishes 90% of on-road price with a ₹10 lakh cap.

Source: PNB Insta Vehicle Loan Scheme
Page / section: Assessment of Limit
Accessed: 30 Aug 2026
Confidence: high

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TenureMaximum 100 months for four-wheelers or 84 months for two-wheelers.View source

PNB publishes separate 100-month and 84-month maximums by vehicle type.

Source: PNB Insta Vehicle Loan Scheme
Page / section: Maximum Repayment Period
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing feeFlat ₹1,000 under PNB's current Insta Vehicle Loan charge schedule; documentation charge is nil.View source

The current retail charge schedule lists a flat ₹1,000 processing fee and nil documentation charge for Insta Vehicle Loan.

Source: PNB Service Charges Related to Retail Advances
Page / section: Insta Vehicle Loan
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureNil.View source

The official page states prepayment charges are nil.

Source: PNB Insta Vehicle Loan Scheme
Page / section: Prepayment Charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Car or two-wheeler for personal use
90% of on-road price, maximum ₹10 lakh
No pre-sanction or fresh income proof required
Maximum 100 months for four-wheelers and 84 months for two-wheelers
Nil prepayment charge; comprehensive vehicle insurance required

Eligibility

The existing home-loan account must have run for at least three years excluding moratorium, with no single default. Age rules are the same as PNB's vehicle-loan scheme.

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

Documents the bank lists

Existing PNB home-loan account and vehicle quotation
Vehicle hypothecation and comprehensive insurance 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.

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Parameter

Eligibility · Published termExisting PNB home-loan account run at least 3 years without a single default

This value is copied from PNB Insta Vehicle Loan — published terms. Check the table notes before relying on it.

Source: PNB Insta Vehicle Loan Scheme · Complete product page and linked schedules Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsPNB Insta Vehicle Loan — published termsCurrent eligibility, funding, tenure, rate and charges.View tableHide table

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PNB Insta Vehicle Loan — published terms
Parameter	Published term
Eligibility	Existing PNB home-loan account run at least 3 years without a single default
Funding	90% of on-road price; maximum ₹10 lakh
Facility/security	Term loan; vehicle hypothecation; comprehensive insurance at borrower's cost
Fresh income proof	Not required
Tenure	Four-wheelers 100 months; two-wheelers 84 months
Rate	Current table: new-car floating 7.65%/7.60% and fixed 8.65%/8.60% by vehicle type
Processing	₹1,000 flat; documentation nil
Prepayment	Nil

PNB Insta Vehicle Loan Scheme · Complete product page and linked schedules · accessed 30 Aug 2026Open official source ↗

PNB Insta Vehicle 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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