Punjab National Bank (loans): verified facts and rating
Licensed since: 1895 Checked 2026-10-31
Score breakdown
98% backed by facts · How we rank
Punjab National Bank (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference99%110%105% · median 100%
Maximum amount, % of country reference30%200%40% · median 100%
Longest term60 mo84 mo72 mo · median 84 mo
Punjab National Bank (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Cons
- An arrangement fee can apply
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1895 Incorporated under the Act VI of 1882, Indian Companies Act, the Bank commenced operations on April 12, 1895 from Lahore (год основания) | pnb.bank.in | 2026-10-31 |
| Licensed by the regulator | Yes List of Scheduled Commercial Banks (SCBs) · SBI & Nationalised Banks · 10. Punjab National Bank | rbi.org.in | 2026-10-31 |
| Published rate, % of country reference | 105% 7. PNB SAHYOG RIN – PERSONAL LOAN SCHEME FOR PUBLIC ROI STAERTING FROM 10.50% p.a. · APR 10.50% · index 100 = 9.995% (median at launch) | pnb.bank.in | 2026-10-31 |
| Free early repayment | Yes Prepayment Charges NIL | pnb.bank.in | 2026-10-31 |
| No arrangement fee | No Personal Loan: Processing Fees* 1.00% of loan amount; For Defence Personnel - Nil | pnb.bank.in | 2026-10-31 |
| Fees or terms published | Yes Service charges related to retail advances: Personal Loan — Processing Fees*, Documentation Charges* | pnb.bank.in | 2026-10-31 |
| Complaints procedure | Yes Redressal Of Complaints. ... should you feel that our services are not up to the mark and wish to lodge your complaint, we welcome; TAT for Complaints/Grievances | pnb.bank.in | 2026-10-31 |
| Online application for new customers | Yes PNB “Swaagat” – Personal Loan for New to Bank Customers: End-to –End Digital journey (till disbursement); No Branch visit required | pnb.bank.in | 2026-10-31 |
| Support hours a week | Not verified | — | |
| Maximum amount, % of country reference | 40% Up to 24 times of Gross Monthly Salary with a maximum of Rs.20.00 Lakh depending upon the repaying capacity.* · max 2000000 INR · index 100 = 5000000 INR (median at launch) | pnb.bank.in | 2026-10-31 |
| Longest term | 72 mo The entire loan (principal & interest) shall be repaid within remaining period of service or in maximum 72 (Seventy-Two) equated monthly installments (EMIs) whichever is earlier. | pnb.bank.in | 2026-10-31 |
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