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PNB Pratibha Education Loan

Education loan for full-time postgraduate degree or diploma study at premier institutes, with a published starting rate of 9.50% p.a.

Interest ratePNB's current retail rate sheet publishes PNB Pratibha at 9.50% p.a. (MCLR + 0.10%). PNB Udaan is 9.50% p.a. for premier foreign universities (MCLR + 0.10%) and 11.50% p.a. up to ₹4 lakh under the Saraswati/Kaushal/Udaan slab; higher slabs follow the published table.Maximum financeNeed-based and subject to repayment capacity; the reviewed PNB education catalogue does not publish one universal maximum for Pratibha or Udaan.RepaymentRepayment holiday and tenure follow the applicable PNB education-loan scheme, course duration and moratorium; no universal maximum tenure is published in the reviewed catalogue.
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Quick eligibility check

PNB Pratibha Education 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.

1Do you meet this requirement: Eligibility is based on residency and admission to a listed premier institution/course?

Published source: Minimum income

2Do you meet this requirement: Meritorious students admitted to eligible premier institutes?

3Do you meet this product condition: co-obligant and collateral terms follow PNB scheme guidelines?

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

India; premier institutes covered by PNB list

Key facts

What the official sources publish

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

Interest ratePNB's current retail rate sheet publishes PNB Pratibha at 9.50% p.a. (MCLR + 0.10%). PNB Udaan is 9.50% p.a. for premier foreign universities (MCLR + 0.10%) and 11.50% p.a. up to ₹4 lakh under the Saraswati/Kaushal/Udaan slab; higher slabs follow the published table.View source
The current PNB rate table publishes the Pratibha and Udaan spreads and present percentages.
Source
Interest Rate on Retail Advances — PNB
Page / section
Education loan — PNB Pratibha and Udaan
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum financeNeed-based and subject to repayment capacity; the reviewed PNB education catalogue does not publish one universal maximum for Pratibha or Udaan.View source
The catalogue identifies the schemes and study destinations but does not display a single universal maximum amount.
Source
Education Loans — PNB
Page / section
PNB Pratibha / Udaan catalogue
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeCurrent PNB education-loan communication states nil processing/upfront and documentation charges for PNB Pratibha; Udaan charges are as per the applicable current schedule unless a concession is confirmed for the selected route.View source
The official communication explicitly states zero processing/documentation charges for Pratibha and publishes current Udaan rate details.
Source
PNB retail product rate/feature communication
Page / section
Education Loans
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RepaymentRepayment holiday and tenure follow the applicable PNB education-loan scheme, course duration and moratorium; no universal maximum tenure is published in the reviewed catalogue.View source
The current catalogue lists the schemes but no single tenure number for all Pratibha/Udaan borrowers.
Source
Education Loans — PNB
Page / section
Scheme terms
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Loan typeEducation loanView source
The official product name identifies this as “PNB Pratibha Education Loan”.
Source
PNB Pratibha Education Loan — official product page
Page / section
Official product name and loan classification
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published by PNB for PNB Pratibha; the official page publishes the interest-rate link and fee headings but no APR percentage.View source
The complete Pratibha page and linked PNB rate/charges pages do not publish an calculation.
Source
Education Loan Scheme — PNB Pratibha
Page / section
Rate of interest and charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNot published. Eligibility is based on residency and admission to a listed premier institution/course; no numeric income threshold is stated.View source
The official eligibility section requires a resident Indian with admission to eligible institutions/courses and does not specify a minimum income number.
Source
Education Loan Scheme — PNB Pratibha
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNIL prepayment charges.View source
The official Pratibha page states “Prepayment Charges — NIL”.
Source
Education Loan Scheme — PNB Pratibha
Page / section
Prepayment Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkMCLR + 0View source
The manually reviewed product record states: “PNB's current retail rate sheet publishes PNB Pratibha at 9.50% p.a. ( + 0.10%). PNB Udaan is 9.50% p.a. for premier foreign universities ( + 0.10%) and 11.50% p.a. up to ₹4 lakh under the Saraswati/Kaushal/Udaan slab; higher slabs follow the published table.”.
Source
PNB Pratibha Education Loan — official product page
Page / section
Published product metadata
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Premier-institute education finance
  • Starting 9.50% p.a. in the current retail rate sheet
  • Nil processing/upfront/documentation charges reported for the scheme
  • Nil margin in the current product communication

Eligibility

  • Meritorious students admitted to eligible premier institutes; co-obligant and collateral terms follow PNB scheme guidelines.

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

Documents the bank lists

  • Admission letter, qualifying-exam marks, course prospectus/fee details, , income and security documents where applicable

Related official documents

Education Loans — PNB official catalogueofficial-product-page · current · accessed 30 Aug 2026
↗
PNB Retail Advances Interest Ratesofficial-rate-sheet · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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Try your numbers

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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

PNB Saraswati · Study destination / audienceHigher education in India

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

Source: PNB education catalogue, and retail rate sheet · Saraswati, Pratibha and Udaan Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 3 rows · 5 columnsPNB education loans — published termsEducation-loan audiences, rates, margins and security terms from PNB's official catalogue, FAQ and rate sheet.View tableHide table

Scroll sideways to view every column

PNB education loans — published terms
ProductStudy destination / audienceCurrent rateMargin / securityCharges / maximum
PNB SaraswatiHigher education in India11.50% up to ₹4 lakh; 12.50% ₹4–7.5 lakh; 12.00% above ₹7.5 lakh; 10.50% with 100% collateralNil up to ₹4 lakh; 5% above; no tangible security up to ₹7.5 lakhNeed-based; no fixed maximum; charges per current schedule
PNB PratibhaPremier institutes in India9.50% p.a.Nil margin in current communication; security per schemeNil processing/upfront/documentation; amount need-based
PNB UdaanHigher education abroad9.50% premier foreign universities; 11.50% up to ₹4 lakh slabScheme/amount-dependent margin and collateralAmount need-based; charges/tenure per scheme
PNB education catalogue, and retail rate sheet · Saraswati, Pratibha and Udaan · accessed 30 Aug 2026Open official source ↗

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