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Personal, home, vehicle & other loans

PNB Sahyog Personal Loan

PNB Sahyog personal finance for public-sector, defence/paramilitary and -agent segments, with take-home-income thresholds and up to 60 .

RateCurrent table varies by borrower band: 10.25% p.a. floating for defence/paramilitary salary-account borrowers; 10.60% p.a. for qualifying government borrowers with CIBIL 800+; 11.60% where CIBIL is 750–799 or nil history. Fixed rates are 11.25%, 11.60% and 12.60% respectively.Maximum amountUp to 15× gross monthly salary, maximum ₹10 lakh.TenureRemaining service period or maximum 60 EMIs, whichever is earlier.
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Quick eligibility check

PNB Sahyog 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.

1Do you meet this requirement: Minimum take-home after deductions ₹15,000 in metro/urban centres or ₹10,000 in semi-urban/rural centres?

Published source: Minimum income

2Do you meet this requirement: The specifies a single-borrower facility, with borrower categories and take-home thresholds?

3Does your annual income meet this requirement: applicable and salary-account conditions vary by rate band?

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 typeDemand loan, term loan or overdraft personal finance under PNB Sahyog; the FAQ describes the public/LIC-agent personal-loan variant.View source
The official names PNB Sahyog as the personal-loan scheme for public/ agents and gives its amount, income and repayment rules.
Source
PNB Sahyog
Page / section
PNB Sahyog
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RateCurrent table varies by borrower band: 10.25% p.a. floating for defence/paramilitary salary-account borrowers; 10.60% p.a. for qualifying government borrowers with CIBIL 800+; 11.60% where CIBIL is 750–799 or nil history. Fixed rates are 11.25%, 11.60% and 12.60% respectively.View source
The current table publishes Sahyog bands by borrower type and score.
Source
PNB Retail Advances Interest Rates
Page / section
PNB Sahyog RIN
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkRLLR+BSP plus a borrower-band spread; current spreads range from +2.15% to +3.50% in the published Sahyog table.View source
PNB expresses Sahyog rates as + plus borrower-specific spreads.
Source
PNB Retail Advances Interest Rates
Page / section
PNB Sahyog RIN
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR percentage or calculation.View source
PNB publishes bands but no calculation.
Source
PNB Sahyog review
Page / section
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum take-home after deductions ₹15,000 in metro/urban centres or ₹10,000 in semi-urban/rural centres.View source
The Sahyog publishes the two location-based take-home thresholds.
Source
PNB Sahyog
Page / section
Question 2 — Income criteria
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountUp to 15× gross monthly salary, maximum ₹10 lakh.View source
The Sahyog states up to 15 times gross monthly salary and a ₹10 lakh cap.
Source
PNB Sahyog
Page / section
Question 1 — Amount
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureRemaining service period or maximum 60 EMIs, whichever is earlier.View source
The Sahyog publishes the 60- maximum and remaining-service limit.
Source
PNB Sahyog
Page / section
Question 4 — Repayment
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNot published in the Sahyog FAQ; the FAQ links to PNB's applicable processing-charge schedule.View source
The directs users to the charge schedule rather than stating a Sahyog-specific amount.
Source
PNB Sahyog charge review
Page / section
Question 5 — Processing charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published in the reviewed Sahyog FAQ or current rate sheet.View source
The supplies amount, income and tenure but no prepayment amount.
Source
PNB Sahyog prepayment review
Page / section
Complete
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Up to 15× gross monthly salary, maximum ₹10 lakh
  • Minimum take-home ₹15,000 in metro/urban centres or ₹10,000 in semi-urban/rural centres
  • Nil margin
  • Repayment within remaining service or up to 60
  • Current rate table starts at 10.25% p.a. for defence/paramilitary salary-account borrowers

Eligibility

  • The specifies a single-borrower facility, with borrower categories and take-home thresholds; applicable and salary-account conditions vary by rate band.

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

Documents the bank lists

  • and employment/-agent proof
  • Salary or income evidence and account track record
  • Any guarantee/security required by the applicable borrower band

Related official documents

PNB Retail Advances Interest Rates — Personal Loansofficial-rate-sheet · current · accessed 30 Aug 2026
↗
PNB Sahyog — Personal Loan Scheme for Public/LIC Agents FAQofficial-faq-document · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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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.

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.

Amount · Published termUp to 15× gross monthly salary; maximum ₹10 lakh

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

Source: PNB Sahyog · Questions 1–7 and current rate sheet 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 Sahyog — published termsFAQ amount, income and repayment rules with current rate bands.View tableHide table

Scroll sideways to view every column

PNB Sahyog — published terms
ParameterPublished term
AmountUp to 15× gross monthly salary; maximum ₹10 lakh
IncomeTake-home after deductions at least ₹15,000 metro/urban or ₹10,000 semi-urban/rural
FacilitiesDemand loan, term loan or overdraft
RepaymentRemaining service or maximum 60
Rates10.25% floating defence/paramilitary salary account; 10.60% for government CIBIL 800+; 11.60% for CIBIL 750–799/nil history; fixed 11.25%–12.60%
MarginNil
Processing/prepayment links processing to schedule; prepayment not stated
PNB Sahyog · Questions 1–7 and current rate sheet · accessed 30 Aug 2026Open official source ↗

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