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PNB Personal Loan for Pensioners

Personal-needs loan for PNB pensioners from ₹25,000, with age-banded limits up to ₹10 lakh and repayment up to 60 or age 78.

RateTerm/demand loan and overdraft are priced at BR + 2.50% in the PNB pensioner product disclosure.Maximum financeMinimum ₹25,000. Maximum is ₹10 lakh up to age 70, ₹7.5 lakh above 70 to 75, and ₹5 lakh above 75, each subject to the stated pension multiple.Maximum amountPersonal-needs loan for PNB pensioners from ₹25,000, with age-banded limits up to ₹10 lakh and repayment up to 60 EMIs or age 78.
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Quick eligibility check

PNB Personal Loan for Pensioners

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.

1Do you meet this requirement: eligibility requires pension credited through a PNB branch and the sanctioned limit is tied to net monthly pension multiples?

Published source: Minimum income

2Do you meet this requirement: All types of pensioners drawing pension through PNB branches?

3Does your annual income meet this requirement: spouse, earning-child or acceptable third-party guarantee is required?

0 of 3 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byPunjab National Bank

India; pension through PNB branch

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

RateTerm/demand loan and overdraft are priced at BR + 2.50% in the PNB pensioner product disclosure.View source
The official pensioner scheme table states TL/DL and overdraft at BR+2.50%.
Source
Personal Loan Scheme for Pensioners — PNB
Page / section
Rate of Interest
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkBR (Bank Rate) plus 2.50% as stated in the pensioner scheme disclosure.View source
The official scheme table expresses pricing as BR+2.50%.
Source
Personal Loan Scheme for Pensioners — PNB
Page / section
Rate of Interest
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum financeMinimum ₹25,000. Maximum is ₹10 lakh up to age 70, ₹7.5 lakh above 70 to 75, and ₹5 lakh above 75, each subject to the stated pension multiple.View source
The official quantum section publishes age-banded maximums and pension multiples.
Source
Personal Loan for Pensioners — PNB
Page / section
Quantum of Finance
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNil processing/upfront fee; documentation charge ₹500 plus GST in the current pensioner scheme disclosure.View source
The official scheme table states NIL upfront fee and ₹500+ documentation.
Source
Personal Loan Scheme for Pensioners — PNB
Page / section
Processing and documentation charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 60 EMIs or up to age 78, whichever is earlier; borrowers above age 75 are limited to 24 EMIs in the scheme disclosure.View source
The official repayment disclosure publishes the and age limits.
Source
Personal Loan Scheme for Pensioners — PNB
Page / section
Repayment (Maximum)
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNot published as a separate pension amount threshold; eligibility requires pension credited through a PNB branch and the sanctioned limit is tied to net monthly pension multiples.View source
The official page requires PNB pension credit and gives pension multiples, but no minimum pension amount.
Source
Personal Loan for Pensioners — PNB
Page / section
Eligibility and quantum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR percentage or calculation for the pensioner personal-loan scheme.View source
The pensioner page publishes BR-linked and fees but no calculation.
Source
Personal Loan Scheme for Pensioners — PNB
Page / section
Complete rate and fee review
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNIL.View source
The official pensioner page states NIL prepayment charges.
Source
Personal Loan for Pensioners — PNB
Page / section
Prepayment Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Loan typePersonal loanView source
The official product name identifies this as “PNB Personal Loan for Pensioners”.
Source
PNB Personal Loan for Pensioners — official product page
Page / section
Official product name and loan classification
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountPersonal-needs loan for PNB pensioners from ₹25,000, with age-banded limits up to ₹10 lakh and repayment up to 60 EMIs or age 78.View source
The manually reviewed product summary states: “Personal-needs loan for PNB pensioners from ₹25,000, with age-banded limits up to ₹10 lakh and repayment up to 60 or age 78.”.
Source
PNB Personal Loan for Pensioners — official product page
Page / section
Published loan terms in product summary
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Minimum loan ₹25,000
  • Up to ₹10 lakh for pensioners up to age 70, subject to pension multiple
  • Nil margin and nil prepayment charges
  • Repayment up to 60 or age 78, whichever is earlier

Eligibility

  • All types of pensioners drawing pension through PNB branches; spouse, earning-child or acceptable third-party guarantee is required.

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

Documents the bank lists

  • Pension and identity proof
  • Address proof
  • Guarantor documents where applicable

Related official documents

Interest Rates on Advances — PNBofficial-rate-table · current · accessed 30 Aug 2026
↗
Services Charges Related to Retail Advances — PNBofficial-service-charge-page · current · accessed 30 Aug 2026
↗
Personal Loan Scheme for Pensioners — PNBofficial-product-page · 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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