What Punjab National Bank asks for on personal, home, vehicle, education loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
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How Punjab National Bank tends to lend (our read): Classic PSU shape: employer-category tiering, a hard deduction ceiling on gross salary, and a salary-multiple cap. Best value if you are a government employee. Lends in: Metro, Tier 2, Tier 3 / other locations.
Punjab National Bank Personal Loan Eligibility
Inferred
By ClearToLend's estimate (not a rule Punjab National Bank publishes). See the source card.
Age
21 to 60 years (age when the loan ends)
Minimum income
₹25,000 net per month; ₹15,000 if your salary account is with this lender
Minimum credit score
700 (CIBIL or equivalent)
Employment
Salaried
Work experience (salaried)
2 years total
Loan amount
₹50,000 to ₹20,00,000
Tenure
1 year to 6 years
Interest rate
10.4% to 16.5% p.a.
EMI-to-income limit (FOIR)
About 50% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing fee 1% of the loan amount (nil for defence personnel); documentation Rs 270 up to Rs 2 lakh, Rs 450 above; prepayment nil; charges exclude GST.
Research notes
PNB's Personal Loan for Public page publishes confirmed employees of central / state government, PSUs and reputed institutions with at least 2 years of service including previous employers where salary is drawn through PNB (3 years under the check-off route), loans up to 24 times gross monthly salary capped at Rs 20 lakh, a third-party guarantee and repayment within 72 EMIs or the remaining service. Age, income floors, score and FOIR are not published and remain estimates, so the block stays inferred; the rate range is also an estimate (the 9.50% figure seen is PNB's base rate, not a product rate). A separate self-employed professional scheme (Rs 6 lakh income, CIC 750, up to Rs 5 lakh) is not modelled.
By ClearToLend's estimate (not a rule Punjab National Bank publishes). See the source card.
Age
21 to 70 years (age when the loan ends)
Minimum income
₹15,000 net per month; self-employed: ₹1,80,000 a year
Minimum credit score
600 (CIBIL or equivalent)
Employment
Salaried or self-employed
Business vintage (self-employed)
3 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹2,00,000 to ₹10,00,00,000
Tenure
5 years to 30 years
Interest rate
7.45% to 9.35% p.a.
EMI-to-income limit (FOIR)
About 55% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing fee 0.35% of the loan (minimum Rs 2,500, maximum Rs 15,000) plus documentation Rs 1,350, both waived under the PNB Utsav campaign until 31 Dec 2026; Digi Home Loan processing and documentation nil; charges exclude GST.
Research notes
PNB publishes need-based housing loans for individuals with assured regular income, margins of 20% (10% at a higher card rate) up to Rs 30 lakh, 20% to Rs 75 lakh and 25% above, and a Digi Home Loan up to Rs 10 crore. The retail ROI schedule prices standard floating loans at 7.45-9.35% under the PNB Utsav campaign valid 1 Oct to 31 Dec 2026 (fixed 8.45-10.85%), with bands down to CIBIL 600-699, so the score floor is set at 600. Age, income, tenure and FOIR are not published and remain estimates; the Gen-Next scheme for professionals up to 40 (about 1.25x eligibility) was reported earlier and is not on the pages reviewed.
₹25,000 net per month; self-employed: ₹3,00,000 a year
Employment
Salaried or self-employed
Vehicles financed
New car, used car
Funding (LTV)
up to 85% of the price (new car); up to 75% of the price (used car)
Loan amount
₹1,00,000 to ₹1,00,00,000
Tenure
1 year to 7 years
Fees and charges
Processing 0.25% of the loan amount (minimum Rs 1,000, maximum Rs 1,500), waived with documentation charges from 1 Oct to 31 Dec 2026 (Utsav campaign); fixed rate prepayment 2% unless from own sources; floating rate nil.
Research notes
PNB's Car Loan for Public page publishes net monthly income Rs 25,000 for all borrowers (self-employed annual figure is that x 12), age at end of repayment 65 (70 for salaried with pension and pensioners), loans of 25x gross monthly income capped at Rs 1 crore, margin 15% on new cars (10% under tie-ups) and 25% on used cars up to 3 years old, and 84 / 60 EMIs for new / used. Minimum age 21 and the Rs 1 lakh minimum are from the Digital Car Loan page (existing customers, 21-70, 2 years' ITR); the 12-month minimum tenure is our estimate. No rate or score floor is published on the car pages; a guarantor is needed below Rs 50,000 gross salary except for government, PSB, MNC and listed-company employees.
Digital Education Loan processing and documentation nil; general schedule: studies in India nil, studies abroad 1% (min Rs 10,000, refundable after first disbursement).
Documents Punjab National Bank lists
PM Vidyalaxmi Portal ID
Mark sheets of all previous qualifications
Course expense schedule issued by the institution
Proof of admission to the course
PAN and Aadhaar of all applicants
Experience certificate, if any
Research notes
Pages reviewed cover the Digital Education Loan and PM-Vidyalaxmi: merit admission to listed QHEIs in India, need-based and collateral-free (PMVL also guarantor-free) with parents/guardians as joint borrowers, margin nil at AAA/AA institutes and above Rs 4 lakh 5% elsewhere, repayment up to 15 years after a course + 1 year moratorium; interest subvention of 100% (technical courses) or 3% for family income up to Rs 4.5 lakh and 3% for Rs 4.5 lakh to Rs 8 lakh. Abroad study appears only on the service-charge page, and no general collateral-free limit, student age, amount cap or income floor is published, so none is modelled. Rate starts at 6.85% (digital product); the 10.25% cap is our estimate from peer PSU education cards; the 12-month minimum repayment term is our estimate.
ClearToLend is not affiliated with or endorsed by Punjab National Bank. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with Punjab National Bank before you apply. A match is not a loan offer or approval.
Punjab National Bank Loan FAQs
The minimum net monthly income is ₹25,000, by ClearToLend's estimate (not a rule Punjab National Bank publishes), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 700 or above, by ClearToLend's estimate (not a rule Punjab National Bank publishes). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 60 when the loan ends, by ClearToLend's estimate (not a rule Punjab National Bank publishes).
Rates run from 10.4% to 16.5% a year, by ClearToLend's estimate (not a rule Punjab National Bank publishes). Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹15,000, by ClearToLend's estimate (not a rule Punjab National Bank publishes), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 600 or above, by ClearToLend's estimate (not a rule Punjab National Bank publishes). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 70 when the loan ends, by ClearToLend's estimate (not a rule Punjab National Bank publishes).
Rates run from 7.45% to 9.35% a year, by ClearToLend's estimate (not a rule Punjab National Bank publishes). Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹25,000, according to Punjab National Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 65 when the loan ends, according to Punjab National Bank's own website.
No. ClearToLend compares your details with Punjab National Bank's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with Punjab National Bank and does not send your details to it.
