PNB Bank Personal Loan

PNB Bank Personal Loan - http://www.loansandcredits.in/pnb-bank-personal-loan/
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Apply Personal Loan

Apply Personal Loan :- Loan amount from Rs.1 lakh up to Rs.20 lakhs Convenient loan repayment option of 12 to 60 months No security or collateral required to avail this loan Simplified and quick documentation Attractive interest rates Hassle-free loan sanction and disbursal procedure[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width="1/2"][contact-form-7 id="3299" title="PL-loansandcredits.in"][/vc_column][vc_column width="1/2"][vc_column_text]

Objective

To make available Financial Assistance to the public for their personal needs.

Purpose

To meet all types of personal needs (e.g., for medical treatment of self or a family member, marriage of self, son/daughter, defraying expenses on education of wards, expenses for domestic or foreign travel etc.)

Eligibility

All permanent Defence Personnel including officials of Military Station Headquarters, Border Security Force, Central Reserve Police Force, Central Industrial Security Force, Indo Tibetan Boarder Police, etc. However, loan request of Defence Personnel, who are due for retirement within next 24 months, may not be entertained.

Confirmed/permanent employees of Central/State Govt./PSUs and all reputed companies/Institutions including Schools, Colleges, Universities, autonomous bodies, Hospitals/Nursing Homes, who are either drawing their salary through accounts maintained with our branches or these employers agree for check off facility.

Professionally qualified practicing Doctors viz., MBBS, BDS & above having annual income of Rs.4.00 lac and above. Doctors should be taxpayers for the last three years.

Quantum of Finance

Minimum Rs.50000/-

Maximum:

For All borrowers:

Rs. 4,00,000 or 20 times monthly net salary whichever is lower subject to minimum Net monthly salary as under:

Metro Centres : Rs.15000/-

Urban Centres : Rs.12500/-

Semi- Urban/ Rural Centres : Rs.10000/-

And Rs. 5,00,000/- or 20 times monthly net salary whichever is lower for those Salaried persons having completed service of 3 years in the present organization & drawing net monthly salary of not less than Rs.30,000/- p.m.

For employees drawing salary through our bank and completed 3 years of service in the present organization: Max. Rs.10 lac or 20 times of Net monthly salary for loan upto Rs.5 lac and 15 times of Net monthly salary for loan above Rs.5 lac and upto Rs.10 lac.

Subject to Minimum Net monthly salary as under:

Metro Centres : Rs.50000/-

Urban Centres : Rs.40000/-

Semi- Urban/ Rural Centres : Rs.30000/-

For teachers and Defence personnel minimum Net Monthly Income shall be Rs.7500/- at all Centres.

Margin

NIL

Security

Suitable third party guarantee acceptable to the Bank

Repayment (Maximum)

Term Loan:

Within remaining period of service or in maximum 60 EMIs whichever earlier

Overdraft:

60 months by reducing Drawing Power (DP) equivalent to EMI.

The income of spouse be included while ascertaining the repaying capacity where the spouse is confirmed/ permanent employee of Central. State Govt.,/ PSUs and reputed companies/ Institutions including Schools, Colleges, Universities, Autonomous bodies, Hospitals, Nursing Homes. In such cases, the spouse is to be made as co-borrower.

Prepayment charges

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Loan EMI Calculator

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Product Features

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• Loan amount from Rs.1 lakh up to Rs.20 lakhs


• Convenient loan repayment option of 12 to 60 months


• No security or collateral required to avail this loan


• Simplified and quick documentation


• Attractive interest rates


• Hassle-free loan sanction and disbursal procedure

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Eligibility & Loan Criteria

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Salaried Individuals

• Minimum net monthly income of Rs.25,000 per month


• Minimum age at loan sanction – 25 years. Maximum age at loan maturity - lower of 60 years or retirement age


• Work Experience of minimum 1 year at current employment and 3 years of total employment experience

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List of Documents Required

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• PAN Card – For Individual


• Identity Proof – Any one (e.g. Voter ID / Driving License / Passport)


• Address Proof – Any one (e.g. Voter ID / Driving License / Passport / Telephone Bill / Electricity Bill / Registered Lease Deed or Sale Agreement / Bank Statement)


• Relationship Proof (if required)


• Passport Size Photographs


• Any other valid Photo ID card issued by central or state government


• Latest 6 months Salary credit bank satements

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List of Financial Documents Required

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For Salaried

• Latest 2 months pay slips and Form 16 issued by the employer


• Income documents of salaried spouse (in case of clubbing of income)

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