PNB Personal Loan Interest Rates Information & Details

PNB gives personal loan to all permanent defence personnel including officials of Military Station Headquarters, BSF, CRPF, CISF, ITBP, permanent central / state govt employees, etc to meet all types of personal needs. Loan can be repaid in 60 EMIs or remaining period of services, whichever is earlier but in case of army jawans and defence personals the tenure is of 36 EMIs or remaining period of stay at the particular posting, which ever is lower.

PNB Home Loan Interest Rates Information & Details

PNB offers you home loan for your convenience and requirement so that you can be a proud owner of your dream house. You can take for purchase of house/flat on first power of attorney basis from the original allottee, to do renovation / alterations in the existing house/flat, etc. Moreover bank gives loan to cover the loan outstanding, you can also take life insurance cover on payment of one time premium which bank can also finance.

Highlights

Interest Rate     8.5%
Loan Amount     The margin money applies for loans upto Rs 20 lakhs.
Tenure     Min. – 5 Yrs.
Max. – 25 Yrs.
Time to Process Loan     7 days

Interest Rates
Tenure     Interest Type     Interest Rate     Offer
20 – 25 Yrs.     Fixed     11 %
15 – 20 Yrs.     Fixed     10.75 %
10 – 15 Yrs.     Fixed     10.75 %
5 – 10 Yrs.     Fixed     10.25 %
1 – 5 Yrs.     Fixed     8.5 %     Regular (The loan applies for amount upto Rs 50 lakhs)
1 – 5 Yrs.     Floating     9.5 %
5 – 10 Yrs.     Floating     9.5 %
10 – 15 Yrs.     Floating     9.75 %
15 – 20 Yrs.     Floating     9.75 %
20 – 25 Yrs.     Floating     10 %

Documentd Required/Needed for applying a Punjab National Bank (PNB) Auto Loan

Salaried

Income – Rs 7000
Age – Min.: 21 Yrs.   Max.: 58 Yrs.
Current Employment Years – 1 Yrs.
Total Employment Years – 3 Yrs.

Documents Required:

ID Proof – Yes
Residence Proof – Yes
Income Proof – Yes
Telephone – No
Photograph – Yes
Bank Statement – Yes
Signature Proof – Yes
————————————————————
Self Employed:

Income – Rs 600000
Age – Min.: 21 Yrs.   Max.: 65 Yrs.
Total Employment Years – 3 Yrs.

Documents Required:

ID Proof – Yes
Residence Proof – Yes
Income Proof – Yes
Telephone – No
Photograph – Yes
Bank Statement – Yes
Signature Proof – Yes

PNB SERVICE CHARGE AND FEES ON PNB GLOBAL CREDIT CARD FOR BOTH GOLD AND CLASSIC CREDIT CARD

FEES & CHARGES

-Joining Fee – NIL
-Renewal fees – NIL
-Annual fees – NIL
-Annual fees-add on card – NIL
-Finance charges/Interest rate p.m on revolving credit/ cash withdrawn/ Amount overdue – 1.95% monthly
-Annualized percentage rate(APR)on revolving credit – 23.67% annually
-Cash Advance Transaction charges –
Domestic ATM’s
I)PNB’s ATMs – 2% of cash withdrawn or Rs.50/-whichever is higher
II)Other ATMs – 2% of cash withdrawn or Rs.75/-whichever is higher
Overseas ATM’s – 2% of cash withdrawn or Rs.150/-whichever is higher
-Late Payment Fee – 30% of minimum amount due subject to Min. Rs.200 & Max. Rs.500 per billing cycle.
-Charges for over the credit limit usage – 2.5% OR MINIMUM Rs.250/-
-Return of cheques/ dishonour of ECS / Auto Debit (SI) – Rs.100/- per instrument
-Duplicatestatement(beyond three months) – Rs.50/-
-Card replacement (for reasons other than technical defects) Fee – Rs.100/- per card
-Pin replacement fee – Rs.50/- per card
-Retrieval of charge slip – Rs.100/-
-Limit Enhancement charges – Nil
-Balance transfer processing fees – 1% of transfer amount or Rs.199/-, whichever is higher
-Balance transfer interest charges – 0% for facility for 90 days or 0.99% p.m. for BT facility under EMI scheme for period of six months
-Foreign Currency Transaction – 3.50% markup over and above the currency conversion rate
-Outstation Cheques – Outstation cheques are not accepted. Multi-city cheques will be accepted towards payment of credit card dues.
-Charges on Railway tickets purchase or cancellation) – At Counter: 2.5% on the transaction amount. IRCTC website : Upto 1.8% of the transaction amount Note: (Transaction amount comprise of the ticket charges + service charges by Railways/ IRCTC )
-Custom Duty /Airport tax / Excess Baggage – 2.5% of transaction amount or Rs.75/-
-Fuel Surcharge – Min. Rs.10 or 2.5% on transaction < Rs.400 &>3000- .
Free interest period – 20-50 days This is applicable only on retail purchases and if the previous month’s balance has been cleared in full.Interest free grace period is not applicable if the Cardholder has withdrawn cash from ATM.
-Minimum Amount Due to be paid by due date – 5% of total amount due or
Cash advance limit – 40% of credit limit (GOLD CARD) 30% of credit limit(CLASSIC CARD)
-PNB Global EMI Plan
(i) Processing fees – 2% of transaction amount,
(ii) Finance Charges – 18% p.a.(1.5% p.m.)
(iii) Prepayment Charges – 3% on outstanding amount
Service Tax & education cess As applicable from time to time

PNB CREDIT CARD CUSTOMER CARE AND HELPLINE NUMBERS AND CONTACT DETAILS

Our Telephone Numbers – 0120 – 4616200, 1800 180 2345(for MTNL, AIRTEL, BSNL users)

Our Fax Number – 011 – 23353876

Our mailing address
PNB
Credit Card Processing Centre
A-37, Sector 60
NOIDA – 201301
U.P.

Our Email Address – creditcardpnb@pnb.co.in