PNB personal Loan Apply 2024: Punjab National Bank is offering personal loans up to Rs 20,000 at an annual interest rate of 10.40 percent per annum to meet the needs of its millions of customers and personal needs. If you want to take a loan for hospital expenses or other personal work, then Punjab National Bank is a very good option for this loan. Once you take it, you will have to repay it within a period of up to 84 months, within which different credit charges and interest rates apply according to the personal loan. Read this article till the end to know the necessary documents and information about how to apply for a personal loan.
PNB Personal Loan 2024 – PNB personal Loan Apply 2024
Punjab National Bank is one of the banks in the country that provides different personal loan facilities to all its customers, including those with a pension, LIC, and senior citizens. In this way, the loan amount and loan term for all are different. It is usually for five to seven years. As a personal loan, any person can get a loan up to a maximum of one lakh rupees and there is a processing fee of one percent on it. However, Punjab National Bank does not impose any payment or any other separate pre-closure requirement on the loan.
For ordinary people who want to take a loan, the annual interest rate is 10.40% to 16.95%. But for pensioners, it is 11.75% and if there is a good CIBIL score, then they can be given only 9.40% to 10.40% interest per year. The interest given by any person depends on his credit and financial condition.
Benefits and advantages of PNB personal loan
As we have talked about above, if you can get a loan according to the interest rate of PNB personal loan, then let us discuss what benefits you can get by getting this loan.
- Punjab National Bank offers a loan facility without any kind of collateral for the Army personnel.
- If you choose the personal prepayment option, then you will not be able to use any other for it.
- You can get a maximum loan amount of Rs. 5 lakhs for five years of employment or up to the age of 65 years.
- A person who is a pensioner can take a loan from Rs. 25,000 to ₹ 10,0000.
- You do not have to deposit any kind of security to get it, although a third party has to be provided for it.
- The amount of loan that will be given is decided based on the monthly income of the applicant and their ability to repay the loan.
Eligibility for getting Punjab National Bank Personal Loan
If you want to get a personal loan from Punjab National Bank, there are some eligibility criteria that you must have, which are mentioned below
- The applicant must be more than 21 years of age and less than 58 years of age.
- Any pensioner should be up to 65 years of age
- The applicant must be a citizen of India
- The monthly income of any applicant must be at least Rs. 15000.
- The applicant residing within metro cities should not have a monthly income of less than Rs. 25,000
- The applicant’s account must be in Punjab National Bank
- The applicant must have some source of income or he must be connected with a business or self-employment.
Anyone who wants to apply should have a credit score of more than 750 if they are not employed
Required documents for Punjab National Bank loan
To get a personal loan from Punjab National Bank, you will need some documents which are mentioned below.
- Aadhar card
- PAN card
- Residence certificate
- Driving license
- Birth certificate that can determine your age
- Last three months of income tax return statement
- Three months of bank statement
- Mobile number
- Passport size photo
Apply for a personal loan from Punjab National Bank in this way
If you want to take a personal loan from Punjab National Bank and have all the documents and eligibility mentioned above, then you can get a personal loan as per the information given below.
- To apply online, you first have to go to the official website of Punjab National Bank
- Then click on the product menu and find the personal loan option there and click on it
- After clicking on the personal loan option, click on Explore Now
- Then all types of personal loans of Punjab National Bank will appear in front of you.
- In which you click on the personal loan that applies to you and click on Apply
- Then another list will appear in front of you in which you select the type of your loan and proceed
- Now you will have a loan form on your screen according to the loan.
- Fill all the information asked in this form accurately and click on the save button.
Fill all the information in this way and proceed
- Then finally click on the final submit button.
- This is how your personal loan application has been done
Friends, this is how you can get a personal loan from Punjab National Bank, for which we have told you about the application process and eligibility. If you liked this article, then you can share it with your friends.
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