💡 Overview: PNB Personal Loan 2025
Punjab National Bank (PNB) is one of India’s most trusted public sector banks offering instant personal loans up to ₹20 lakh with competitive interest rates and minimal documentation.
Whether you’re a salaried employee, pensioner, or self-employed professional, PNB’s personal loan helps you meet urgent financial needs — like medical emergencies, weddings, education, travel, or home renovation — without the need for any collateral or guarantor.
If you’re looking to borrow a moderate amount, such as ₹3 lakh, PNB provides a quick and secure way to apply online.
⚙️ Key Features of PNB Personal Loan
| Feature | Details (2025) |
|---|---|
| Loan Amount | ₹50,000 to ₹20,00,000 |
| Interest Rate | 11.40% – 14.50% p.a. |
| Loan Tenure | 12 – 60 months |
| Processing Fee | Up to 1% of loan amount + GST |
| Collateral Required | Not Required |
| Prepayment Charges | 2% after 12 EMIs |
| Approval Time | Within 24–48 hours (for eligible customers) |
✅ No collateral or guarantor required for salaried borrowers with a stable income.
👨💼 Eligibility Criteria for ₹3 Lakh PNB Personal Loan
To qualify for a ₹3 lakh personal loan from PNB, applicants must meet these basic requirements:
For Salaried Employees:
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Age: 21 to 60 years
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Employment: Minimum 2 years of service (1 year with current employer)
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Monthly Salary: Minimum ₹25,000 (varies by city/tier)
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CIBIL Score: 700 or above
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Employment Type: Govt, PSU, or reputed private sector organization
For Pensioners:
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Age: Up to 75 years
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Pension Account: Must be with PNB
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Loan Amount: Up to 18x of monthly pension (max ₹10 lakh)
For Self-Employed / Professionals:
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Business Vintage: Minimum 2 years
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Income Proof: ITR for last 2 years
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CIBIL Score: 700+ preferred
📋 Documents Required
| Category | Documents |
|---|---|
| Identity Proof | Aadhaar Card / PAN Card / Passport |
| Address Proof | Driving License / Utility Bill / Rent Agreement |
| Income Proof (Salaried) | Last 3 months’ salary slips, Form 16 |
| Income Proof (Self-Employed) | ITR for 2 years, balance sheet, GST returns |
| Bank Statement | Last 6 months |
| Photograph | Passport-size photo |
📝 If you already have a salary or pension account with PNB, documentation is minimal.
💰 Interest Rate for ₹3 Lakh Loan
PNB’s interest rate for a ₹3 lakh personal loan in 2025 depends on your profile and relationship with the bank.
| CIBIL Score Range | Approx. Interest Rate |
|---|---|
| 750+ | 11.40% – 12.00% |
| 700–749 | 12.25% – 13.25% |
| 650–699 | 13.50% – 14.50% |
| Below 650 | Not eligible |
💡 Maintain a CIBIL score above 700 for faster approval and lower interest.
🧮 EMI Calculation for ₹3 Lakh PNB Personal Loan
| Tenure | Interest Rate (p.a.) | Monthly EMI (Approx.) |
|---|---|---|
| 1 Year | 11.5% | ₹26,600 |
| 2 Years | 12.0% | ₹14,100 |
| 3 Years | 12.5% | ₹10,000 |
| 5 Years | 13.0% | ₹6,850 |
💰 At 12% interest for 3 years, EMI = ₹10,000/month.
🪜 Step-by-Step: How to Apply Online for ₹3 Lakh Personal Loan from PNB
Applying for a personal loan from PNB online is simple and paperless. Follow these easy steps:
✅ Step 1: Visit PNB’s Official Website
Go to 👉 https://www.pnbindia.in
✅ Step 2: Navigate to the Loan Section
Select “Personal Loan” from the “Retail Loan” category.
✅ Step 3: Check Your Eligibility
Use the PNB Personal Loan Eligibility Calculator to confirm how much you can borrow.
✅ Step 4: Fill Out the Online Form
Enter your name, PAN, mobile number, income, and employment details.
✅ Step 5: Upload Documents
Upload Aadhaar, PAN, salary slips, and bank statements for instant verification.
✅ Step 6: Loan Approval & Disbursal
Once verified, your ₹3 lakh loan is approved, and the amount is credited directly to your bank account — usually within 24–48 hours.
🌟 Benefits of PNB Personal Loan
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🚫 No Collateral Required
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💳 Quick Online Application
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📲 Minimal Documentation
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🧾 Flexible Repayment Tenure up to 5 Years
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💸 Attractive Interest Rates
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🏦 Top-up Option Available for Existing Borrowers
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⚡ Fast Disbursal for PNB Account Holders
⚠️ Tips Before You Apply
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Check your CIBIL score before applying.
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Keep all documents scanned and ready.
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Apply only through the official PNB website.
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Avoid applying with multiple lenders simultaneously — it reduces your credit score.
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Use the EMI calculator to plan repayment.
❓ Frequently Asked Questions (FAQs)
1. Can I get ₹3 lakh loan from PNB without salary slip?
Only if you have an existing relationship with PNB or are a pre-approved customer.
2. How long does PNB take to approve a personal loan?
Usually within 24–48 hours for eligible applicants.
3. What is the minimum income required?
At least ₹25,000 per month for salaried individuals.
4. Is there any collateral required?
No. It’s an unsecured personal loan.
5. Can I prepay my PNB personal loan early?
Yes, after 12 EMIs with 2% prepayment charge on the outstanding balance.
