Personal, home, vehicle & other loans

PNB Swaagat Personal Loan

A digital, branch-free personal loan for new-to-PNB salaried customers, from ₹25,000 up to ₹10 lakh, with repayment up to 72 months or age 60.

RateFloating 10.60% to 12.60% p.a. by CIBIL band; fixed 11.60% to 13.60% p.a. under the current PNB Swaagat rate table.Maximum amount₹25,000 minimum to ₹10 lakh maximum; up to ₹6 lakh is available through the single-OTP journey.TenureUp to 72 months, or until the borrower reaches age 60, whichever is earlier.

Official product page ↗Compare category

✓ 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 typeDigital personal term loan for new-to-bank salaried customers.View source

The official page calls this a New To Bank Personal Loan and describes an end-to-end digital journey.

Source: PNB Swaagat — New to Bank Personal Loan
Page / section: Highlights and Features/Guidelines
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

RateFloating 10.60% to 12.60% p.a. by CIBIL band; fixed 11.60% to 13.60% p.a. under the current PNB Swaagat rate table.View source

The current table lists 10.60%, 11.60% and 12.60% floating rates and one-percentage-point-higher fixed rates by band.

Source: Retail Advances — PNB current rate table
Page / section: Digital Personal Loan — PNB Swaagat
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

BenchmarkRLLR + BSP with the published CIBIL-band spread; the table identifies Repo Linked Lending Rate and Business Strategic Premium components.View source

The rate table expresses Swaagat pricing as + plus -dependent spreads.

Source: Retail Advances — PNB current rate table
Page / section: Digital Personal Loan — PNB Swaagat
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

APRNot published as a separate APR percentage or calculation for PNB Swaagat.View source

The product page and current rate table publish but no calculation.

Source: PNB Swaagat — complete rate review
Page / section: Complete rate and charge review
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeNo numeric income threshold is published on the Swaagat page; it requires a fully KYC-compliant salary or savings account with another bank and salaried status.View source

The complete eligibility section states account and age requirements but no salary amount.

Source: PNB Swaagat — New to Bank Personal Loan
Page / section: Features/Guidelines
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum amount₹25,000 minimum to ₹10 lakh maximum; up to ₹6 lakh is available through the single-OTP journey.View source

The official page publishes both the ₹25,000 floor and ₹10 lakh ceiling.

Source: PNB Swaagat — New to Bank Personal Loan
Page / section: Highlights and Features/Guidelines
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureUp to 72 months, or until the borrower reaches age 60, whichever is earlier.View source

The official page specifies a 72-month maximum and age-at-repayment limit.

Source: PNB Swaagat — New to Bank Personal Loan
Page / section: Features/Guidelines
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing feeNot published as a Swaagat-specific amount on the reviewed product page or current retail-charge table.View source

The current schedule lists standard personal-loan charges but does not identify a separate Swaagat line item.

Source: Services Charges Related to Retail Advances — PNB
Page / section: Personal Loan charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureNot published as a Swaagat-specific amount on the reviewed product page or current retail-charge table.View source

No Swaagat-specific prepayment value is stated in the reviewed sources.

Source: PNB Swaagat — complete charge review
Page / section: Complete charge review
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

End-to-end digital journey through disbursement
No branch visit required
Single- journey for loans up to ₹6 lakh
Loan amount ₹25,000 to ₹10 lakh
Repayment up to 72 months

Eligibility

Salaried applicant must maintain a fully -compliant salary or savings account with any bank other than PNB; age must be above 21 and no more than 60 years at repayment.

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

Documents the bank lists

and identity/address proof
Salary-account and income verification
e- mandate and digital consent

Try the numbers

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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

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ProductChoose column

PNB Swaagat · Current rate10.60–12.60% floating; 11.60–13.60% fixed

This value is copied from PNB retail loans — batch 2 published terms. Check the table notes before relying on it.

Source: PNB retail loan product pages, rate table and charge schedule · Swaagat, my Property, Doctor's Delight, Power Ride and Digital Car Loan Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 5 rows · 5 columnsPNB retail loans — batch 2 published termsAmounts, rates, income rules, tenures and charges from PNB's official product pages and shared current disclosures.View tableHide table

Scroll sideways to view every column

PNB retail loans — batch 2 published terms
Product	Current rate	Amount / income	Tenure	Charges
PNB Swaagat	10.60–12.60% floating; 11.60–13.60% fixed	₹25,000–₹10 lakh; salary account with another bank	Up to 72 months or age 60	Product-specific fee not published
PNB my Property Loan	9.05–11.55% TL; 9.55–12.05%	₹2 lakh–₹5 crore; ₹25,000 monthly salaried / ₹3 lakh annual other	180 months/15 years or age 70	0.75%, max ₹1 lakh; docs ₹2,500/₹5,000; nil prepayment
PNB Doctor's Delight	Product-specific rate not published	₹2–₹20 lakh or 24× income; ₹5 lakh annual minimum	Up to 84	0.90% + ₹450 docs; nil prepayment
PNB Power Ride	10.00% floating; 11.00% fixed	Up to ₹60,000; ₹8,000 monthly minimum	Up to 36 months	0.50%, ₹500–₹1,000; nil prepayment
PNB Digital Car Loan	7.60–9.70% floating; 8.60–10.70% fixed	₹1 lakh–₹1 crore; ₹25,000 monthly minimum	Digital page not published; standard new-car scheme up to 84 months	Nil processing/documentation

PNB retail loan product pages, rate table and charge schedule · Swaagat, my Property, Doctor's Delight, Power Ride and Digital Car Loan · accessed 30 Aug 2026Open official source ↗

PNB Swaagat Personal Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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