Punjab National Bank, otherwise called PNB, is a state-claimed, Indian global banking and financial administration organization. Punjab National Bank deals in a few budgetary products like loans for home, vehicles, personal, credit cards, mutual funds, and so forth. The bank is among the most ancient public-sector banks in the nation.
PNB is likewise quickly expanding its footprint in the field of digital banking. Throughout the years, they have served a large number of clients and have acquired 7 banks all the while. It has over customer-base of 80 million customers and has its banking operations in various countries, namely Kazakhstan, United Arab Emirates, China, and Australia.
Contents
Punjab National Bank Loan Types
Housing Loans
| Borrower Type | Rate of Interest |
| PNB Pride | |
| a) Loan Up To Rs. 30 Lakh | RLLR+0.15% |
| b) Loan Above Rs. 30 Lakh Up To Rs. 75 Lakh | RLLR+0.40% |
| c) Loan Above Rs. 75 Lakh | RLLR+0.40% |
| Term Loan | ROI in the Existing Housing Loan + 0.50% |
| Overdraft | RLLR + 1.55% |
- RLLR refers to Repo Linked Lending Rate
Vehicle Loans
| Scheme/ Borrower Type | Rate of Interest |
| Women (Floating) | RLLR+0.75% |
| PNB PRIDE (Floating) | RLLR+0.75% |
| Corporates (Floating) | RLLR+0.75% |
| Others Individual (Floating) | |
| a) CIC Score 750 & above | RLLR+0.75% |
| b) CIC Score 700 and up to 749 | RLLR+0.90% |
| c) CIC Score less than 700 | RLLR+1.00% |
| PNB Saarthi & PNB Power Ride | |
| a) Salaried Person | RLLR + 2.75% |
| b) Business concern & Professionals | RLLR + 3.25% |
| c) Two Wheeler loan to Women | RLLR + 1.90% |
| Insta Vehicle Loan | 0.25% |
Education Loans
| Particular | Rate of Interest |
| PNB Saraswati | |
| a) Loan up to Rs. 7.50 lakh | RLLR+2.00% |
| b) above Rs. 7.50 lakh | RLLR+2.75% |
| c) Loans irrespective of the amount | RLLR+2.00% |
| d) Children of PNB’s Employees | RLLR+0.25% |
| PNB Pratibha | |
| a) Getting admissions in institutions | |
| i) up to Rs. 7.50 lakh | RLLR+0.75% |
| ii) above Rs. 7.50 lakh | RLLR+0.25% |
| b) Getting admissions in IITs, IIMs, XLRI Jamshedpur & NITs | |
| i) up to Rs. 7.50 lakh | RLLR+0.65% |
| ii) above Rs. 7.50 lakh | RLLR+0.15% |
| PNB Uddan | |
| a) Up to Rs. 7.50 lakh | RLLR+2.00% |
| b) above Rs. 7.50 lakh | RLLR+2.75% |
| c) children of PNB’s Employees | RLLR+0.25% |
| PNB Kaushal | |
| a) Loan up to Rs. 1.50 lakh | RLLR+1.50% |
| b) Children of PNB’s Employees under CGFSSD Optional | RLLR+0.65% |
| c) Children of PNB’s Employees under others | RLLR+0.25% |
| PNB Honhaar | RLLR + 2.15% |
| PNB Pravasi Shiksha Loan | RLLR + 2.15% |
Personal Loans
- Personal Loan Scheme For Public
- Personal Loan Scheme for Pensioners
- Advance Against Gold and Jewellery
| Borrower Category | Rate of Interest |
| Loan for Public | |
| a) Govt. Employees | RLLR+3.00% |
| b) Corporate Employees | RLLR+4.00% |
| c) Defense/ Para Military Personals | RLLR+2.15% |
| d) Check off facility | RLLR+5.00% |
| PNB Doctors Delight | RLLR + 2.15% |
| Loan Scheme for Pensioners | RLLR + 2.50% |
| Advance Against Gold and Jewellery | |
| a) Demand Loan/ Term Loan | RLLR + 1.95% |
| b) Overdraft | RLLR + 2.20% |
| Sovereign Gold Bonds | |
| a) Individual | RLLR+1.15% |
| b) Other than Individual | RLLR+2.15% |
| PNB Baghban | RLLR+2.75% |
| EMD Scheme | RLLR + 0.25% |
Miscellaneous Loan Schemes
- Loan Against Mortgage of Immovable Property
- Check List
- Online Overdraft Facility
Also Check: PNB Car Loan Interest Rates, Eligibility and Facts
Final Words:
Almost every bank including PBN offers various types of loans. But, only a few people are aware of Punjab National Bank loan types. The blog post provides a list of PNB loan types for citizens in various sectors. In case you have any doubts, you may ask in the comments section.
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