PNB Personal Loan Interest Rate 2025 – Latest Rates, Eligibility & Benefits

March 25, 2026

Introduction

Personal loans have become an important financial solution for many Indians, whether for education, marriage, medical needs, or debt consolidation.

Among public sector banks, Punjab National Bank offers personal loan options designed for different borrower categories with flexible terms and competitive rates.

In this blog, we look at the types of PNB personal loans, their key features, eligibility, charges, and documents required before applying.

What Are the Types of PNB Personal Loans?

Personal Loan Scheme for Salaried Professionals and Self-Employed

This scheme is meant for professionals such as chartered accountants, company secretaries, engineers, software developers, financial consultants, architects, and LIC agents.

Applicants are generally expected to have an annual income of at least ₹6 lakh for the last two years, with a CIBIL score of 750 or above.

The repayment tenure can go up to 60 months, and the upper age limit is usually 65 years.

Personal Loan Scheme for Pensioners

PNB also offers personal loans to pensioners who receive their pension through the bank.

Loan amounts can range from ₹25,000 to ₹10 lakh for pensioners up to 70 years of age. Pensioners aged 70 to 75 can avail up to ₹7.5 lakh, while those above 75 can access up to ₹5 lakh.

Personal Loan Scheme for Doctors

This scheme supports doctors with both personal and professional financial requirements.

Loan amounts range from ₹2 lakh to ₹20 lakh, generally up to 24 times the monthly gross salary, with a minimum annual income requirement of ₹5 lakh.

Features of PNB Personal Loans

Available to earning individuals with a stable income source
Maximum tenure of 6 years for salaried applicants
Application can be made through a PNB branch or phone inquiry
Minimum credit score requirement is generally 650
Loan amount can go up to ₹20 lakh, depending on income eligibility
No prepayment or foreclosure charges for general loans
Special schemes for defence personnel may not require a CIBIL check

Factors Affecting PNB Bank Personal Loan

Loan tenure
Relationship history with PNB
Repayment capacity
Income level
CIBIL score and credit history

Fees and Charges of PNB Personal Loan Scheme

Processing fee of 1 percent of the loan amount
Processing fee of 0.90 percent for doctors
Documentation charge of ₹270 for loans up to ₹2 lakh
Documentation charge of ₹450 for loans above ₹2 lakh
Documentation charge of ₹500 for self-employed borrowers
Doctors pay a documentation fee of ₹450
No processing fee for pensioners and defence personnel
No foreclosure charges

Eligibility Criteria for PNB Personal Loan

Applicants generally need to maintain a salary or pension account with PNB
Permanent government employees should have at least 2 years of service
Other salaried applicants should have a minimum of 3 years of employment
Minimum CIBIL score requirement is generally 650
Pensioners must have a drawing pension account with PNB

Documents Required to Apply for PNB Personal Loan

Completed loan application form with passport-size photograph
Identity proof such as Aadhaar card, PAN card, or driving licence
Proof of age
Address proof such as utility bills or rent agreement
Income proof for salaried applicants, including latest salary slips and Form 16 attested by employer
Income proof for self-employed applicants, including last year’s balance sheet and 3 years of income tax returns
Educational qualification certificates for military and defence personnel where applicable

PNB Bank Personal Loan Customer Care

For further support, borrowers can contact PNB through its loan inquiry and banking helplines or visit the nearest branch for guidance.

Explore More Personal Loan Choices

While PNB offers competitive personal loan options, comparing multiple banks and NBFCs can help borrowers identify the most suitable loan based on rates, eligibility, and benefits.

Conclusion

Punjab National Bank provides personal loan schemes for salaried professionals, self-employed applicants, pensioners, and doctors with different eligibility rules and loan limits.

Before applying, it is important to review the interest rates, charges, repayment terms, and eligibility conditions carefully so you can choose the right option for your needs.