Personal, home, vehicle & other loans

PNB Kaushal Skill Development Loan

A skill-development loan from ₹5,000 to ₹7.5 lakh for eligible vocational and technical courses, with nil security and repayment bands up to seven years.

RateCurrent PNB Kaushal floating rate is 9.60% p.a.; female students receive 9.10% p.a. under the published Kaushal table.Maximum amount₹5,000 minimum and ₹7.50 lakh maximum, subject to eligible course expenses.TenureUp to 3 years for loans up to ₹50,000; up to 5 years for ₹50,000–₹1 lakh; up to 7 years above ₹1 lakh to ₹7.50 lakh. Moratorium is 6 months after courses up to one year and 12 months after longer courses.

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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 typeSkill-development education loan for eligible vocational and technical courses.View source

The official page describes a skilling loan for vocational and skill-development courses.

Source: PNB Kaushal — Skill Development Loan
Page / section: Objective and Purpose
Accessed: 30 Aug 2026
Confidence: high

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RateCurrent PNB Kaushal floating rate is 9.60% p.a.; female students receive 9.10% p.a. under the published Kaushal table.View source

The current table states ++1.50% (9.60%) and +1.00% (9.10%) for female students.

Source: Retail Advances — PNB rate table
Page / section: Education Loan Scheme — PNB Kaushal
Accessed: 30 Aug 2026
Confidence: high

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BenchmarkRLLR + BSP + 1.50% standard or RLLR + BSP + 1.00% for a female student under the current table.View source

The official table publishes the benchmark and both Kaushal spreads.

Source: Retail Advances — PNB rate table
Page / section: PNB Kaushal
Accessed: 30 Aug 2026
Confidence: high

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

The page and rate table publish but no calculation.

Source: PNB Kaushal — complete rate review
Page / section: Complete rate review
Accessed: 30 Aug 2026
Confidence: high

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Minimum incomeNot published. Eligibility is based on Indian nationality, admission and course/training-entity criteria rather than an income floor.View source

The official eligibility section specifies nationality, admission and Skill India Digital Hub criteria but no minimum income.

Source: PNB Kaushal — Skill Development Loan
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

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Maximum amount₹5,000 minimum and ₹7.50 lakh maximum, subject to eligible course expenses.View source

The official quantum section publishes the ₹5,000 floor and ₹7.50 lakh ceiling.

Source: PNB Kaushal — Skill Development Loan
Page / section: Quantum Of Finance
Accessed: 30 Aug 2026
Confidence: high

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TenureUp to 3 years for loans up to ₹50,000; up to 5 years for ₹50,000–₹1 lakh; up to 7 years above ₹1 lakh to ₹7.50 lakh. Moratorium is 6 months after courses up to one year and 12 months after longer courses.View source

The official tables publish the three amount bands and two moratorium rules.

Source: PNB Kaushal — Skill Development Loan
Page / section: Repayment and Repayment Holiday/ Moratorium
Accessed: 30 Aug 2026
Confidence: high

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Processing feeNIL for PNB Kaushal in the current education-loan charge schedule; documentation charge is NIL.View source

The current education charge table explicitly lists PNB Kaushal as nil.

Source: Services Charges Related to Retail Advances — PNB
Page / section: Education Loan — PNB Kaushal
Accessed: 30 Aug 2026
Confidence: high

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Prepayment / foreclosureNIL.View source

The official page states NIL prepayment charges.

Source: PNB Kaushal — Skill Development Loan
Page / section: Prepayment Charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

₹5,000 minimum and ₹7.5 lakh maximum
Nil margin up to ₹4 lakh; 5% above ₹4 lakh
No collateral or third-party guarantee
Repayment up to 3, 5 or 7 years by loan amount
Nil prepayment and nil Kaushal charges in the published schedule

Eligibility

Indian national admitted to an eligible National Skill Qualification Framework (NSQF) or non-NSQF course by a training entity onboarded on the Skill India Digital Hub.

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

Documents the bank lists

Admission/skill-course documents
and student/parent or guardian loan documents
Fee schedule, income and co-borrower 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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ProductChoose column

PNB Digi Home Loan · RateHousing table about 7.40–9.30% by /; no separate digital row

This value is copied from PNB digital and specialist loans — published terms. Check the table notes before relying on it.

Source: PNB digital housing, education, Kaushal and gold-loan pages · Digital and specialist retail 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 · 4 rows · 5 columnsPNB digital and specialist loans — published termsCurrent amounts, rates, eligibility, repayment and charges from PNB official pages and shared disclosures.View tableHide table

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PNB digital and specialist loans — published terms
Product	Rate	Amount / eligibility	Tenure	Charges
PNB Digi Home Loan	Housing table about 7.40–9.30% by /; no separate digital row	Up to ₹10 crore; regular income and two-year	Digital page does not publish a separate tenure	Nil processing/documentation
PNB Digital Education Loan	Starting 6.85%; institute-dependent	Need-based; eligible QHEIs; collateral-free route	15 years; course + 1 year moratorium	Nil processing/documentation
PNB Kaushal	9.60%; 9.10% female student	₹5,000–₹7.50 lakh; Indian national and eligible Skill India course	3/5/7 years by amount; 6/12-month moratorium	Nil processing/documentation; nil prepayment
PNB Digital Gold Loan	+0.85/0.90 retail; +0.50/0.75 agriculture	₹25,000–₹25 lakh retail; ₹10,000–₹25 lakh agriculture	12-month bullet; 36-month ; agri 12 months	0.30% or ₹500+ retail; agriculture tiers

PNB digital housing, education, Kaushal and gold-loan pages · Digital and specialist retail loans · accessed 30 Aug 2026Open official source ↗

PNB Kaushal Skill Development 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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