Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Maximum financeUp to 24 times gross monthly salary, subject to repayment capacity, with a maximum of ₹20 lakh.View source
The official quantum section states 24 times gross monthly salary and ₹20 lakh maximum.
- Source
- Personal Loan for Public — PNB
- Page / section
- Quantum Of Finance
- Accessed
- 30 Aug 2026
- Confidence
- high
TenureMaximum 72 EMIs or the remaining service period, whichever is earlier; defence personnel are capped at 60 EMIs.View source
The official repayment section publishes 72 and 60 limits.
- Source
- Personal Loan for Public — PNB
- Page / section
- Repayment (Maximum)
- Accessed
- 30 Aug 2026
- Confidence
- high
Minimum incomeNo numeric salary floor is published for this public salaried scheme; salary through PNB, service history and permissible deductions determine eligibility.View source
The complete eligibility section states service-history and salary-account conditions but no rupee minimum.
- Source
- Personal Loan for Public — PNB
- Page / section
- Eligibility
- Accessed
- 30 Aug 2026
- Confidence
- high
Prepayment / foreclosureNIL.View source
The official page states NIL prepayment charges.
- Source
- Personal Loan for Public — PNB
- Page / section
- Prepayment Charges
- Accessed
- 30 Aug 2026
- Confidence
- high
Loan typePersonal loanView source
The official product name identifies this as “PNB Personal Loan for Public”.
- Source
- PNB Personal Loan for Public — official product page
- Page / section
- Official product name and loan classification
- Accessed
- 30 Aug 2026
- Confidence
- high
RatePNB's official retail disclosure for personal loans reports a 9.40%–17.05% p.a. range for the quarter reviewed; the individual sanctioned rate varies by borrower and scheme.View source
PNB's official disclosure publishes the observed personal-loan range rather than one flat public-scheme rate.
- Source
- Interest-rate range on loans to individuals — PNB
- Page / section
- Personal Loan quarterly range
- Accessed
- 30 Aug 2026
- Confidence
- high
BenchmarkThe individual rate is linked to PNB's applicable retail rate card; the public product page directs borrowers to the current rate table and does not specify a single benchmark for every route.View source
The product page links to the rate table but no one benchmark is stated for all public-loan routes.
- Source
- Personal Loan for Public — PNB
- Page / section
- Rate of Interest
- Accessed
- 30 Aug 2026
- Confidence
- high
Processing fee1.00% of loan amount; documentation charge ₹270 up to ₹2 lakh and ₹450 above ₹2 lakh. Defence personnel processing and documentation charges are nil in the schedule.View source
The current schedule publishes the personal-loan percentage, documentation tiers and defence concession.
- Source
- Services Charges Related to Retail Advances — PNB
- Page / section
- Non-Mortgage — Personal Loan
- Accessed
- 30 Aug 2026
- Confidence
- high
APRNot published as a separate APR percentage or calculation for the public personal-loan variant.View source
The product and rate pages publish ranges and fees but no calculation.
- Source
- Personal Loan for Public — PNB
- Page / section
- Complete rate and charge review
- Accessed
- 30 Aug 2026
- Confidence
- high
Maximum amountPersonal loan for salaried customers for medical, marriage, education and travel needs, up to ₹20 lakh or 24 times gross monthly salary.View source
The manually reviewed product summary states: “Personal loan for salaried customers for medical, marriage, education and travel needs, up to ₹20 lakh or 24 times gross monthly salary.”.
- Source
- PNB Personal Loan for Public — official product page
- Page / section
- Published loan terms in product summary
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- Up to 24 times gross monthly salary, maximum ₹20 lakh
- Nil margin
- Term loan or overdraft option
- Nil prepayment charges
Eligibility
- Salary must be drawn through PNB; confirmed/
permanent employees generally need two years' service, while check-off applicants need three years including previous service.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Loan application and photograph
- Identity, address and age proof
- Latest salary slips, Form 16/
and salary-account evidence
Related official documents
Personal Loan for Public — PNBofficial-product-page · current · accessed 30 Aug 2026
↗Interest Rate on Retail Advances — PNBofficial-page-and-pdf · current · accessed 30 Aug 2026
↗Services Charges Related to Retail Advances — PNBofficial-product-page · current · accessed 30 Aug 2026
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