pnbindia.in PNB Personal Loan 2025, Interest Rate, Eligibility, Document, Loan Payment, Loan Status , Disbursement Time, Loan Foreclosure Charges, Customer Care, Apply Online PNB offers personal loans in 2025 with attractive interest rates and flexible repayment terms. The loans can be used for various purposes, such as medical emergencies, education, weddings, travel, and home renovation. PNB provides personal loans with amounts ranging from ₹25,000 to ₹25 lakhs, with tenures ranging from 12 months to 60 months. The interest rates range from 10.50% per annum depending on the profile of the applicant and his or her credit score. The loan application process is quick, and the bank provides online application facilities along with easy documentation requirements.
The loan application process for PNB Personal Loan is highly straightforward and easy for both salaried and self-employed people to access. Customers can apply by visiting PNB’s official website online or by visiting any of the nearest branches. The bank extends loans quite rapidly, usually within three or four working days of approval. PNB also extends pre-approved loans for existing customers, with the processing being much faster. The requirements include identity proof, address proof, income proof, and other such details. The processing fee at PNB is at par with the competitors, and it offers flexible EMI Options, which makes the solution as cost-effective as possible for the customers.
PNB Personal Loan 2025 Interest Rate
| Category | Interest Rate (per annum) |
| Salaried Individuals | 10.50% to 13.00% |
| Self-Employed Individuals | 11.00% to 14.00% |
| Pre-Approved Personal Loans | 10.50% to 12.00% |
| Balance Transfer Loans Starting from | 10.75% to 12.75% |
PNB Personal Loan 2025 Eligibility
Here are the key eligibility criteria for PNB Personal Loan 2025:
| Age | Applicants must be between 21 and 60 years of age at the time of loan maturity. |
| Employment |
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| Income | Minimum monthly income of ₹20,000 is required (varies based on location and profession). |
| Credit Score | A good credit score (typically 750 or above) is crucial for approval and better interest rates. |
| Work Experience |
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| Nationality | The applicant must be a resident Indian. |
| Bank Relationship | Existing PNB Bank customers with a good track record are eligible for pre-approved loans. |
PNB Personal Loan 2025 Required Document
Here are the documents needed for an PNB Personal Loan 2025:
- Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License.
- Address Proof: Aadhaar Card, Passport, Utility Bills, Rent Agreement, or Voter ID.
- Income Proof: Salaried (salary slips, bank statements), Self-employed (IT Returns, Profit & Loss Statement).
- Photograph: Passport-size recent photograph.
- Loan Application Form: Duly filled and signed application form.
- Additional Documents: As required by the bank.
PNB Personal Loan 2025 Loan Payment
Here are the loan pay back options for PNB Personal Loan 2025.
- Equated Monthly Installment: Pay monthly through auto debit or cheques.
- Flexible Tenure: Get a tenure in the range of 12-60 months
- Prepayment facility: Prepay partially or completely after 6 months with respective charges.
- Pay Online: Facility to pay on PNB net banking or its mobile app.
- NACH: Set up automatic EMI payments through National Automated Clearing House (NACH).
- Late Charges: 2% of due amount per month for delayed pay.
- No-Cost EMI Offers: Available under specific promotional schemes.
PNB Personal Loan 2025 Loan Status
You can check the status of your PNB Personal Loan 2025 through the following ways:
- Online Through Website: Log in to your PNB account and visit the loan status section.
- SMS Service: Send an SMS with your loan application details to PNB’s loan status number for updates.
- Loan Application Reference Number: Make use of the reference number provided on the loan status page.
- Customer Care: Call PNB customer care at 1800 180 2222 or 1800 103 2222 for loan status inquiries.
- Branch Visit: Visit the nearest PNB Bank branch with your application details.
- Email Support:You can email PNB at [email protected] for information on your loan status.
PNB Personal Loan 2025 Disbursement Time
| Category | Disbursement Time |
| Pre-Approved Customers | Same day to 2 working days |
| Salaried Individuals | 2 to 5 working days after document verification |
| Self-Employed Individuals | 3 to 7 working days after document verification |
| Online Loan Applications | 1 to 3 working days (if documents are verified promptly) |
PNB Personal Loan 2025 Loan Foreclosure Charges
Here are the PNB Personal Loan 2025 Loan Foreclosure Charges.
- Foreclosure after 12 EMIs: No charges for foreclosure if you’ve completed 12 EMIs.
- Foreclosure Before 12 EMIs: Charges of 2% to 3% of the outstanding loan amount if the loan is foreclosed before completing 12 EMIs.
- Part Pay Charges: Partial prepayment is allowed with a charge of 2% on the prepaid amount.
- No foreclosure charges on loans under special schemes or offers.
PNB Personal Loan 2025 Customer Care
Here are some customer care contacts for PNB Personal Loan 2025-
- Helpline: Call 1800 180 2222 or 1800 103 2222 for assistance with personal loan-related queries.
- Email Support: Email [email protected] for detailed support regarding personal loans.
- Chat Support: Look for the live chat feature found on the website or mobile app.
- Branch Visit: Visit the nearest PNB Bank branch for support.
- SMS Service: Send an SMS to 5607040 for loan-related inquiries and updates.
How to PNB Personal Loan 2025 Apply Online?
Here are the steps to apply for PNB Personal Loan 2025 online:
- Visit the Official Website: Go to the PNB Bank official website https://www.pnbindia.in
- Select Personal Loan Option: Choose “Personal Loan” from the “Loans” section.
- Check Eligibility: Use the online eligibility calculator to see if you qualify.
- Fill the Application Form: Complete the online form with your details.
- Submit Documents: Upload necessary documents like ID, address, and income proof.
- Review and Apply: Check your details again, then submit.
- Check Application Status: Check online for the status of your loan after submission.
Important Links
| PNB Personal Loan 2025 Apply Link | Click Here |
| Official Website | Click Here |
| Homepage | Click Here |