Every bank offers various types of loans to its customers. Similarly, PNB has introduced a Personal Loan facility for its customers, through which you can obtain a loan of up to ₹4 lakh in just 2 to 5 minutes. This loan is available without any guarantor. If you are also interested in availing a loan, please refer to the article below for complete information.
Benefits of PNB Personal Loan
- You can apply online from the comfort of your home using your phone or computer.
- You can obtain a loan without providing any property as collateral or a guarantor.
- The interest rate will be lower compared to other banks.
- You will receive quick loan approval.
- Easy EMI options are available.
Eligibility for PNB Personal Loan
- To avail of a Personal Loan, the applicant’s age must be between 21 and 60 years.
- The applicant must be an Indian national.
- Both salaried and self-employed individuals are eligible to apply for the loan.
- The applicant’s minimum monthly income must be ₹15,000 (for urban areas) / ₹10,000 (for rural areas).
- The applicant’s credit score must be 650 or higher.
Read Also:- Loans of up to ₹20 Lakhs under the Pradhan Mantri Mudra Yojana! No Collateral Required + Just 1% Interest.
Key Features of PNB Personal Loans
- With a PNB Personal Loan, you can avail a loan ranging from ₹50,000 to ₹20 Lakhs.
- The processing fee may range from 1% to 2% of the loan amount.
- The interest rate applicable to you may range from 10.50% to 16% per annum.
- The loan tenure can extend from 6 months to 5 years.
- If you apply online, you can receive approval within just 2 minutes.
Online Apply Process 2026
To apply for a PNB Personal Loan online, follow the steps given below:
- Visit the official PNB website or open the mobile banking app.
- Fill out the online form.
- Complete the document verification process.
- As soon as the loan is approved, the amount will be transferred to your account.
Documents Required
- Passport-sized photograph
- Aadhaar Card (Proof of Identity)
- PAN Card
- Voter ID / Driving License (Proof of Address)
- Salary Slips / Bank Statements (for the last 3 months)
- ITR for Self-Employed Individuals (for the last 2 years)
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