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PNB Matritva Personal Loan

A term personal loan for hospital expenses and maternity care from two months before expected delivery to three months after childbirth, with ₹25,000–₹3 lakh finance and up to 72 .

RateRLLR+BSP+2.15% irrespective of CIC score; the FAQ supplies the spread but no fixed-rate alternative.Maximum amount₹25,000 minimum and ₹3 lakh maximum, subject to repayment capacity.TenureRepay within the remaining service period or maximum 72 equated monthly instalments, beginning the month after disbursement; no moratorium is granted.
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Quick eligibility check

PNB Matritva Personal Loan

0 of 3 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: Minimum income/salary above ₹25,000 per month, with at least two years of service including previous-employer service?

Published source: Minimum income

2Does your annual income meet this requirement: Confirmed/permanent female employee with at least two years' service including previous employer service, drawing salary through a PNB branch account?

3Do you meet this requirement: Sanction window is up to two months before expected delivery and up to three months after childbirth?

0 of 3 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 typeTerm personal loan for hospital expenses at childbirth and maternity care after childbirth.View source
PNB describes financial assistance for hospital expenses incurred or to be incurred at childbirth and maternity care after childbirth.
Source
PNB Matritva — Personal Loan for Working Women During Perinatal Period
Page / section
Purpose
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RateRLLR+BSP+2.15% irrespective of CIC score; the FAQ supplies the spread but no fixed-rate alternative.View source
The official states the rate will be ++2.15% irrespective of score.
Source
— PNB Matritva
Page / section
Question 6 — Rate of interest
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkRLLR + BSP + 2.15%.View source
PNB names the + benchmark and the 2.15% spread.
Source
— PNB Matritva
Page / section
Question 6 — Rate of interest
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR percentage or calculation for PNB Matritva.View source
The official page and publish the formula but no calculation.
Source
PNB Matritva — complete rate review
Page / section
Rate of interest
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum income/salary above ₹25,000 per month, with at least two years of service including previous-employer service.View source
The states minimum income/salary above ₹25,000 per month and two-year service.
Source
— PNB Matritva
Page / section
Question 1 — Eligible borrowers
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹25,000 minimum and ₹3 lakh maximum, subject to repayment capacity.View source
The publishes ₹25,000 minimum and ₹3,00,000 maximum, subject to repayment capacity.
Source
— PNB Matritva
Page / section
Question 5 — Loan amount
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureRepay within the remaining service period or maximum 72 equated monthly instalments, beginning the month after disbursement; no moratorium is granted.View source
The states maximum 72 and expressly says no moratorium is granted.
Source
— PNB Matritva
Page / section
Question 7 — Repayment and moratorium
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNIL upfront fee and documentation charges.View source
The states upfront fee and documentation charges are nil.
Source
— PNB Matritva
Page / section
Question 8 — Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published as a separate prepayment charge in the reviewed Matritva page or FAQ.View source
The reviewed product page and publish nil upfront/documentation charges but do not state a prepayment amount.
Source
PNB Matritva — complete charge review
Page / section
Complete charge review
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Perinatal-purpose personal loan for childbirth and post-childbirth care
  • Minimum salary/income above ₹25,000 per month
  • ₹25,000 minimum and ₹3 lakh maximum
  • ++2.15% irrespective of score
  • Repayment within remaining service or maximum 72
  • Nil margin, upfront fee and documentation charges
  • Self-declaration confirms pregnancy or childbirth; maximum two availments

Eligibility

  • Confirmed/permanent female employee with at least two years' service including previous employer service, drawing salary through a PNB branch account. Sanction window is up to two months before expected delivery and up to three months after childbirth.

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

Documents the bank lists

  • and salary-account proof
  • Self-declaration confirming pregnancy or childbirth
  • Employment and two-year service proof

Related official documents

PNB Matritva — Personal Loan for Working Women During Perinatal Periodofficial-product-page · current · accessed 30 Aug 2026
↗
FAQ — PNB Matritvaofficial-faq-document · current · accessed 30 Aug 2026
↗

Plan before applying

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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.

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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Eligibility · Published termConfirmed/permanent female employee; salary through PNB branch; above ₹25,000 monthly income; minimum 2-year service

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

Source: — PNB Matritva · Complete Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 7 rows · 2 columnsPNB Matritva — published termsEligibility, amount, rate, repayment and charges from PNB's official page and FAQ.View tableHide table

Scroll sideways to view every column

PNB Matritva — published terms
ParameterPublished term
EligibilityConfirmed/permanent female employee; salary through PNB branch; above ₹25,000 monthly income; minimum 2-year service
Purpose windowSanction up to 2 months before expected delivery and up to 3 months after childbirth
Amount₹25,000–₹3 lakh, subject to repayment capacity
Rate++2.15%, irrespective of score
RepaymentRemaining service or up to 72 ; no moratorium
ChargesNil margin, upfront fee and documentation charges
AvailmentsMaximum two times; self-declaration confirms pregnancy/childbirth
— PNB Matritva · Complete · accessed 30 Aug 2026Open official source ↗

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