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Loan Details

Interest Rate

Starting at 8.95%

Processing Fee

1% of Loan Sanctioned

Prepayment

Charges

Nil

Tenure

7 Years

  • Eligibility Factors
  • Documents Required
  • Loan Verification Process
  • Rate of Interest

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PNB Personal Loan

a. Age: As per loan criteria

b. Credit score: more than 750

c. Employment type: Salaried/ Self-Employed

d. Minimum net income (monthly): Depends on occupation

e. Work experience: Minimum 3 years of service


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a) PAN Card

b) Identity Proof (Passport, Aadhar, Voter ID, Driving Licence)

c) Address Proof (Bank Account Statement, Electricity Bill, Telephone Bill, Sale Deed/ Property Purchase Document, Aadhar Card, Ration Card, Passport, Driving License)

d) Income Proof (Bank Account Statement, Salary Slip)



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The loan verification proceeds in the following stages:

  1. After uploading the documents on the bank’s website, the applicant is required to sign-up on apnapaisa.com for supporting document verification.
  2. A representative from apnapaisa.com will make a scheduled visit to collect copies of supporting documents.
  3. The bank scrutinizes the documents for authenticity, and you shall receive a call from the bank to confirm the loan amount, rate of interest and tenure.
  4. Once you agree to the terms and conditions, the loan is disbursed according to the process established by the bank.  



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It starts at 8.95%, depending on the loan amount