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Personal, home, vehicle & other loans

PNB Pre-Approved Personal Loan

A digital, paperless pre-approved personal loan with ₹25,000 minimum and up to ₹20 lakh for eligible salary customers.

RateFloating rate is 10.60% p.a. for eligible government/State/PSU/private salary, pensioner, QAB/TRV and existing-loan routes with CIBIL ≥800; 11.60% at CIBIL 750–799; 12.60% at CIBIL 700–749 or nil/no hit where applicable. Fixed rates are 1 percentage point higher in the published table.Maximum finance₹20 lakh for eligible government/defence/paramilitary/PSU and PNB-salary private employees; ₹8 lakh for existing borrowers or pensioners, ₹4 lakh for QAB/TRV route and ₹6 lakh for customers with fully repaid loans.Maximum amountA digital, paperless pre-approved personal loan with ₹25,000 minimum and up to ₹20 lakh for eligible salary customers.
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Quick eligibility check

PNB Pre-Approved Personal Loan

0 of 5 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: No numeric income floor is published?

Published source: Minimum income

2Does your annual income meet this requirement: PAPL eligibility is pre-approved through salary, pension, existing-loan, quarterly-average-balance or transaction-value relationships?

Published source: Minimum income

3Does your annual income meet this requirement: the official page gives loan-amount bands instead of a minimum income?

Published source: Minimum income

4Does your annual income meet this requirement: Eligibility is pre-approved by PNB relationship, salary, pension, loan history, quarterly average balance or transaction value?

5Does your age meet this requirement: listed customer groups and age limits vary by route?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byPunjab National Bank

India; PNB One, internet banking and PNB digital journeys

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 finance₹20 lakh for eligible government/defence/paramilitary/PSU and PNB-salary private employees; ₹8 lakh for existing borrowers or pensioners, ₹4 lakh for QAB/TRV route and ₹6 lakh for customers with fully repaid loans.View source
The official loan-amount section publishes route-specific minimum and maximum amounts.
Source
Pre-Approved Personal Loan — PNB
Page / section
Loan Amount
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Upfront fee0.50% of loan amount, minimum ₹500 plus GST; includes upfront, documentation, stamp-duty, CIC and other listed charges.View source
The official upfront-fee section publishes 0.50% and ₹500 minimum plus .
Source
Pre-Approved Personal Loan — PNB
Page / section
Upfront Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 72 months, with route-specific age caps of 60, 65 or 70 years.View source
The official repayment section lists 72 months and the age-based caps for each customer route.
Source
Pre-Approved Personal Loan — PNB
Page / section
Repayment Period
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Loan typePersonal loanView source
The official product name identifies this as “PNB Pre-Approved Personal Loan”.
Source
PNB Pre-Approved Personal Loan — official product page
Page / section
Official product name and loan classification
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RateFloating rate is 10.60% p.a. for eligible government/State/PSU/private salary, pensioner, QAB/TRV and existing-loan routes with CIBIL ≥800; 11.60% at CIBIL 750–799; 12.60% at CIBIL 700–749 or nil/no hit where applicable. Fixed rates are 1 percentage point higher in the published table.View source
The official PAPL table publishes floating and fixed percentages by score and customer route.
Source
Interest Rates on Advances — PNB
Page / section
Digital Personal Loan / PAPL
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkRLLR + BSP (Repo Linked Lending Rate plus Business Strategic Premium), with spread determined by customer route and CIBIL band.View source
The PNB table expresses PAPL rates as + plus a route/ spread.
Source
Interest Rates on Advances — PNB
Page / section
Digital Personal Loan / PAPL
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo numeric income floor is published. PAPL eligibility is pre-approved through salary, pension, existing-loan, quarterly-average-balance or transaction-value relationships; the official page gives loan-amount bands instead of a minimum income.View source
The complete eligibility section lists customer routes and the loan-amount section lists minimum/maximum loan amounts, but no income number.
Source
Pre-Approved Personal Loan — PNB
Page / section
Eligibility and Loan Amount
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR percentage or calculation for PAPL.View source
The product and linked rate table publish by /route and an upfront fee, not .
Source
Pre-Approved Personal Loan — PNB
Page / section
Complete rate and fee review
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published for PAPL on the reviewed product page, rate table or retail service-charge schedule.View source
The official PAPL page specifies the upfront fee but no product-specific prepayment amount.
Source
Pre-Approved Personal Loan — PNB
Page / section
Complete charge review
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountA digital, paperless pre-approved personal loan with ₹25,000 minimum and up to ₹20 lakh for eligible salary customers.View source
The manually reviewed product summary states: “A digital, paperless pre-approved personal loan with ₹25,000 minimum and up to ₹20 lakh for eligible salary customers.”.
Source
PNB Pre-Approved Personal Loan — official product page
Page / section
Published loan terms in product summary
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • End-to-end digital journey with no branch visit
  • Minimum loan ₹25,000
  • Up to ₹20 lakh for eligible government//private salary customers
  • 72-month maximum repayment period

Eligibility

  • Eligibility is pre-approved by PNB relationship, salary, pension, loan history, quarterly average balance or transaction value; listed customer groups and age limits vary by route.

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

Documents the bank lists

  • Digital and consent through the PNB journey

Related official documents

Pre-Approved Personal Loan — 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
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

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 Housing Loan for Public · Published amountNeed-based; plot/repair up to ₹1 crore

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

Source: PNB retail loan product pages · Housing, personal, pre-approved personal and gold 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 retail loans — published termsKey amounts, tenure and charges from PNB official product pages.View tableHide table

Scroll sideways to view every column

PNB retail loans — published terms
ProductPublished amountRepaymentKey eligibility / securityCharges
PNB Housing Loan for PublicNeed-based; plot/repair up to ₹1 croreUp to 30 yearsAssured regular income; mortgage of propertyAs per current schedule
PNB Personal Loan for PublicUp to ₹20 lakh / 24× gross monthly salaryUp to 72 PNB salary route; third-party guaranteeNil prepayment
PNB Pre-Approved Personal Loan₹25,000 to ₹20 lakh by routeUp to 72 monthsPre-approved PNB relationship/customer route0.50%; minimum ₹500 +
PNB Gold Loan₹25,000–₹25 lakh retail; ₹10,000–₹25 lakh agriculture12–36 months by facilityPledge of eligible gold0.30% or ₹500 + retail; agri tiers
PNB retail loan product pages · Housing, personal, pre-approved personal and gold loans · accessed 30 Aug 2026Open official source ↗

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