Objective
Empowering Financial Well-being: Providing exclusive Financial Assistance to salaried individuals, fostering a foundation for their personal aspirations.
Eligibility
- Open to visionaries earning through Punjab National Bank:
- Confirmed/Permanent employees of Central/State Govt./PSUs with a stellar service record of at least 2 years, including tenure with previous employer(s).
- All distinguished entities, from reputed companies to esteemed educational institutions and healthcare establishments, utilizing Punjab National Bank's branches for salary transactions.
- Check-off facility available for others, requiring a minimum of 3 years of service, including tenure with previous employer(s).
Purpose
Fueling Dreams: Addressing diverse personal needs, from medical care and educational expenses to celebrating life's milestones through marriage or travel adventures.
Quantum Of Finance
Unleash Possibilities: Avail up to 24 times Gross Monthly Salary, with a cap at Rs.20.00 Lakh, tailor-made to match individual repayment capabilities.
Security
Bolstered Assurance: Secure your dreams with a suitable third-party guarantee, aligning with Punjab National Bank's standards.
Repayment (Maximum)
- Term Loan:
- Entire loan (principal & interest) repaid within the remaining service period or in a maximum of 72 equated monthly installments (EMIs), whichever is earlier.
- Repayment commences one month post loan disbursement.
- Overdraft: Adjusted within remaining service duration or a maximum of 72 months by reducing Drawing Power (DP) equivalent to EMI at the start of each month.
Special Note for Defence Personnel: Tailored plans with a repayment window of a maximum of 60 EMIs.
Prepayment Charges
Embrace flexibility: NIL prepayment charges.
Rate Of Interest
Explore our competitive rates linked to MCLR
here.
Documentation Charges
Navigate through our transparent process and documentation charges here.
Unlock Financial Freedom with PNB - Your Gateway to Personal Growth!
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