Benefits

Eligibility

All Individual Non-Resident Indians (NRIs) holding valid Indian Passport, valid work visa/permit & having NRI account with our Bank for atleast 6 months or having NRI account with other Bank for last 12 months.

Purpose

Purchase of New Car/Van/Jeep/ e-Vehicle/ Multi Utility Vehicle (MUV) or Sports Utility Vehicles.

Income

Minimum Gross Monthly income of Rs. 1.00 lac or equivalent
OR

Minimum Gross Annual Income of Rs. 12.00 lac or equivalent

Margin

For new vehicle: 15% of on-road price inclusive of one-time road tax & insurance. Can be reduced to 10% on case to case basis.

Repayment

The loan amount together with interest is to be repaid maximum in 84 equated monthly installments comprising of principal and interest commencing from the succeeding month.

Security

Guarantee of Resident Indian relative of NRI and have following relationship with the NRI borrower’s

  • Spouse, Father, Mother, Son, Daughter, Daughter-in-law, Sister, Brother
    OR
    Guarantee of other Resident Indian only if (i) is not available.
  • Vehicle purchased to be hypothecated to the bank. Name of the Bank branch must be mentioned on the JRC (Joint Registration Certificate).
  • PNB mobile app
  • PNB CUSTOMER SUPPORT
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