Punjab national bank personal loan interest rate

What is the interest rate of Punjab national bank personal loan? Please give me the interest rate or any website from where I can get detailed information about interest rate. Does it offer personal loan at less interest rate than other banks?

Employees of Central/ State Govt/ PSUs and all reputed companies/ Institutions who has accounts in PNB are elligible for taking Personal loan and also the pensioners who are drawing their pension through PNB branches are eligible.

Loan Amount Up to 15 Lacs
Interest Rate 15.25% to 16.5%

Service Charges
1.8% of the loan amount + Service Tax & Education Cess

Other Charges
Documentation Charges
Rs.270/- upto Rs.2 Lac + Service Tax & Education Cess
Rs.450/- over Rs.2 Lac + Service Tax & Education Cess

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https://t.me/pump_upp

As you are looking to get the details of loan interest rates of Punjab National Bank, so here I am providing the following interest rates:

PNB Loan Interest Rates

Interest Rates – Deposit
Saving Account Interest Rates : 4.0 % p.a. (w.e.f. 3rd May 2011)

Interest Rates – Deposit



Interest Rates - Loans & Advances
BPLR: 14.00% w.e.f. 01.05.2012
BASE RATE: 10.25% w.e.f. 09.02.2013

Interest Rate on Advances Linked to BPLR and Base Rate
BPLR - 14 % ( w.e.f from 01.05.2012)
BASE RATE - 10.25% ( w.e.f from 09.02.2013)

LENDING RATES LINKED WITH BPLR AND BASE RATE



Interest Rate on Advances - Retail Segment Loan
BPLR - 14 % ( w.e.f. 01.05.2012)
BASE RATE - 10.25 % ( w.e.f from 09.02.2013)

LENDING RATE STRUCTURE FOR RETAIL SEGMENT

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Answered By StudyChaCha Member

hello sir i am working in gulf country. I have account in your bank. I want to take a personal loan. I want to ask you that i am eligible, if yes then what is the processor to get.
I want amount 10 lakh almost.

How much is the rate of interest rate on Personal Loan plan offered by Punjab National Bank (PNB) to an Individual ?

Punjab National Bank (PNB) provide Personal Loan plan to fulfill the financial need for expected and unexpected expenses .

Expenses includes:
Personal financial requirements
Marriage expenses
Foreign travel
Health or medical treatment related expenses
Any other miscellaneous expenses

PNB Personal Loan Detail :
Rate of Interest
For Loans up to Rs.10 lac:
Individuals, whose salary is being disbursed through our branches only (including Defence Personnel)
Base Rate+3% presently (13%)

For Loans up to Rs.5 lac:
Individuals who are availing the loan under check-off facility (including Defence Personnel)
Base Rate+5% presently (15%)

For others up to Rs.5 lac
Base Rate+6% presently (16%)

Other Charges : Personal Loan

Documentation Charges

Rs.270/-
upto Rs.2 Lac + Service Tax & Education Cess

Rs.450/-
over Rs.2 Lac + Service Tax & Education Cess

Docs Required :
Salaried:

ID Proof
Any One-Govt. I Card/
Passport Copy/
Voters ID card/
Driving Licence/
Copy of PAN Card

Address Proof
Ration card or
passport or
latest electricity bill or
latest telephone bill or
latest credit card bill bank statements,
last 6 months bank statementsAddress Proof

DOB Proof
Birth Certificate or 10th Class Passing Certificate

Photographs

Salary Certificate/ Form 16

Employment Proof

Financial Docs
Govt. I card
Bank Statement for last 3 months.

Self

ID Proof
Any One-Passport Copy/
Voters ID card/ Driving Licence/
Copy of PAN Card

Address Proof
Ration card or
passport or
latest electricity bill or
latest telephone bill or
latest credit card bill bank statements,
last 6 months bank statements

DOB Proof
Birth Certificate or 10th Class Passing Certificate

Photographs

Income Tax Returns / Valid Income Documents certified by CA

Business Continuation Proof

Bank Statement for last 3 months.

For more detail here is the attachemtn.

Attached Files Available for Download

PNB Personal Loan-.doc (46.5 KB, 44 views)

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Answered By StudyChaCha Member

My father wants to take Personal Loan from Punjab National Bank (PNB) so would you please give me some information about Personal Loan Scheme?

Punjab National Bank serves over 80 million customers, it is an Indian financial services company which was founded in May 19, 1894.

Personal loan scheme:

Purpose
To meet all types of personal needs (e.g., for medical treatment of self or a family member, marriage of self, son/daughter, defraying expenses on education of wards, expenses for domestic or foreign travel etc.)

Eligibility:
All permanent Defence Personnel including officials of Military Station Headquarters, Border Security Force, Central Reserve Police Force, Central Industrial Security Force, Indo Tibetan Boarder Police, etc. However, loan request of Defence Personnel, who are due for retirement within next 24 months, may not be entertained.

Quantum of Finance:
Minimum Rs.50000/-

Rs. 4,00,000 or 20 times monthly net salary whichever is lower subject to minimum Net monthly salary as under:

Metro Centres : Rs.15000/-

Urban Centres : Rs.12500/-

Semi- Urban/ Rural Centres : Rs.10000/-

Margin
NIL

Rate of Interest:
RATE OF INTEREST: For Loans up to Rs.10 lac: Individuals, whose salary is being disbursed through our branches only (including Defence Personnel): Base Rate+3% presently (13%)

For Loans up to Rs.5 lac: Individuals who are availing the loan under check-off facility (including Defence Personnel): Base Rate+5% presently (15%)

For others up to Rs.5 lac: Base Rate+6% presently (16%)

Documentation Charges:
Upto Rs. 2 lac: Rs.270+ service tax & Edu.Cess

Over Rs.2 lac: Rs.450+ service tax & Edu.Cess

Here I am also giving you process to apply for it…..

Firstly go to the official website of Punjab National Bank (PNB) which looks like this image:



Now top of the home page you will see “Personal banking” option click on that option a new page will open which look like this image:



Now on this page you will see “Credit Schemes” option take your cursor on this option and click on “Personal loan” option a new page again will open which look like this image:



Now bottom of the home page you will see “Apply Online” option a new page will open which look like this image:



After that fill all require details and click on “Final Submit” option…..

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Answered By StudyChaCha Member

I am thinking to take Personal Loan from Punjab National Bank now I want to know about PNB Personal Loan Interest Rate so would you please give me some information about it?

Punjab National Bank (PNB) is an Indian financial services company based in New Delhi, India and it was established in 1895 and the bank has over 5,800 branches and over 6,000 ATM's across 764 cities.

Rate of Interest:

For Loans up to Rs.10 lac:
Individuals, whose salary is being disbursed through our branches only (including Defence Personnel)
10.25% +3% (13.25%)

For Loans up to Rs.5 lac:
Individuals who are availing the loan under check-off facility (including Defence Personnel)
10.25% +5% (15.25%)

For others up to Rs.5 lac
10.25% +6% (16.25%)

For Loans above Rs.5 lac and upto Rs.10 lac for other categories, i.e., applicants not having salary accounts with our Bank irrespective of Check- off facility.
10.25% +4% (14.25%)

Documentation Charges
Rs.270/- upto Rs.2 Lac + Service Tax & Education Cess
Rs.450/- over Rs.2 Lac + Service Tax & Education Cess
Upfront / documentation charges for defence personnel – NIL

Margin: NIL

Eligibility:
All permanent Military/ Para Military Personnel including officials of Military Station Headquarters, BSF, CRPF, CISF, ITBP

Confirmed/ permanent employees of Central/ State Govt/ PSUs and all reputed companies/ Institutions, who are drawing their salary through accounts maintained with our branches or these employees agree for ‘check-off facility’ from their employer.

Documents required:
- Loan application Form, duly completed, with Passport size photograph

- Identify Proof with Unique Identification Number in case of Military/ Para Military

Personnel

- Educational Qualification Proof

- Age Proof

- Proof of official address and residential address

- Income Proof

- Salaried: Latest Salary Slip and Form 16, duly authenticated by the employer

- Non – Salaried: IT returns for the last three financial years

- Any other document, which may be necessary as per the requirement of the case.

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Answered By StudyChaCha Member