पीएनबी पेंशनर पर्सनल लोन
Low-cost credit for Central/State Govt and Defence pensioners drawing pension through PNB.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Low-cost personal credit facility for Central and State Government pensioners, Armed Forces pensioners, and Family pensioners whose monthly pension is credited directly through a PNB branch.
प्रमुख लाभ एवं विशेषताएं
• Tailored for senior citizens up to 75 years of age • Minimal processing charges (completely waived for defence pensioners) • Convenient repayment via standing instruction directly on monthly pension credit • Family pensioners eligible up to ₹5 Lakhs for medical emergencies.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Central and State Govt Pensioners, Armed Forces Pensioners, and Family Pensioners drawing pension via PNB. Age at loan completion: Max 75 years. Min CIBIL: 650.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
NIL prepayment penalty across all tenures.
📂आवश्यक दस्तावेज (Required Documents)
• Identity Proof: PAN Card and Aadhaar Card of pensioner & spouse • Pension Proof: Original PPO Booklet, Pension Slip of previous month • Undertaking: Letter of Authority to debit pension account • Co-obligation: Spouse KYC and consent form.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• Mandatory Pension Mandate: Pension must be drawn through a PNB branch. • Mandatory Spouse Guarantee: The spouse eligible for family pension must join as co-borrower/guarantor. • Net Pension floor: Take-home pension after EMI deduction must not fall below 50% of gross pension.
🚀आवेदन के चरण (How to Apply)
1. Log into PNB One app or visit pension branch. PPO is authenticated; spouse signs co-obligation; disbursed within 24 hours.
1. Submit enquiry on pnbindia.in. Branch manager coordinates home visit for senior citizens.
1. Visit pension branch with PPO booklet, pension slip, and spouse KYC. Execute standing instruction mandate for pension deduction.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
Can family pensioners get a loan from PNB?
Yes, family pensioners can borrow up to ₹5 Lakhs or 12 times net monthly pension.
What is the maximum age limit?
75 years at the time of final loan maturity.
Is there any processing fee for defence veterans?
No, PNB waives 100% processing fees for Defence and Armed Forces pensioners.