Other salient features

End- to- End Digital Journey in few clicks

No branch Visit

Paperless Loan

Available 24*7

Maximum Repayment Period- 72 Months

Customer has flexibility to adjust the EMI through change in Tenure and Loan amount through dynamic slider functionality in-built in the journey.

Access through PNB corporate website(pnbindia.in->online services->insta loans) or
PNB’s Mobile Application i.e. PNB One ( Login to PNB ONE ->Pre-Approved Personal Loan) or
Internet Banking Services (netpnb.com)

Eligibility

Govt. Employees (Centre/ State/ Defence /Paramilitary Forces or PSU) and private salaried employees drawing salary through our bank

Existing Pensioners drawing pension through our Branches

Existing customers :
i) Car loan borrowers
ii) Home loan borrowers
iii) Personal loan borrowers

Existing customers on the basis of
i) Quarterly average balance and(QAB)
ii) Transactional relationship value(TRV)

Existing customers who have fully repaid their Home loan/Car loan/Education loan/Personal loan
Fully repaid and closed Home Loan/ Car Loan/ Education Loan within last 10 years & Personal Loan within 5 years

Upfront Fees

0.50% of loan amount inclusive of all the charges with Min. Amt of Rs.500/-+GST . The charges are inclusive of Upfront Fee, Documentation charges, stamp duty charges, CIC charges & other charges

Loan Amount

For Govt. Employees (Centre/State/Defence/ Paramilitary Forces or PSU) and Private salaried employees drawing salary through our bank
Minimum Rs 25,000/-
Maximum Rs 20.00 Lakh

For Pensioners drawing pension through our branches
Minimum Rs 25,000/-
Maximum Rs 8.00 Lakh

For Existing borrowers (Home loan/Car loan/Personal loan)
Minimum Rs 25,000/-
Maximum Rs 8.00 Lakh

For Existing customers on the basis of Quarterly average balance and Transactional relationship value
Minimum Rs 25,000/-
Maximum Rs 4.00 Lakh

For Customer who have Fully repaid their Home loan/Car loan/Education loan/Personal loan
Minimum Rs 25,000/-
Maximum Rs 6.00 Lakh

Repayment Period

Existing borrowers (Centre/State/Defence/Paramilitary Forces/PSU/Private salaried employees)
Maximum: 72 months or upto 60 years of age of the borrower, whichever is earlier

Existing Pensioners
Maximum: 72 months or upto 70 years of age of the borrower, whichever is earlier

Existing borrowers (Home loan/Car loan/Personal loan)
Maximum: 72 months or upto 65 years of age of the borrower, whichever is earlier

Existing borrowers based on QAB and TRV
Maximum: 72 months or upto 65 years of age of the borrower, whichever is earlier

Fully repaid Home loan/Car loan/Education loan/Personal Borrowers
Maximum: 72 months or upto 60 years of age of the borrower, whichever is earlier

Rate of Interest