पीएनबी पब्लिक पर्सनल लोन (स्वरोजगार)
Unsecured credit for self-employed professionals, traders, and small business owners with verified ITR.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
PNB Personal Loan for Public caters to self-employed professionals (Doctors, CAs, Architects, Consultants) and non-salaried business entrepreneurs who require unsecured funds for legitimate business expansion or personal exigencies.
प्रमुख लाभ एवं विशेषताएं
• High loan quantum up to ₹15 Lakhs without hypothecation of business assets • Repayment tenure up to 5 years (60 months) • Transparent public-sector pricing tied to RBI Repo-linked lending rate (RLLR) • Reduced interest rates for registered professionals with high credit scores.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Self-employed individuals, professionals, and proprietors with at least 3 years business continuity and taxable income >= ₹3 Lakhs/year. Min Age: 25, Max Age: 65. Min CIBIL: 720.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
NIL if closed from own verified business sources; 2% in case of loan takeover by another bank.
📂आवश्यक दस्तावेज (Required Documents)
• Identity & Address Proof: PAN, Aadhaar, Business Registration Certificate • Business Proof: GST Registration, Udyam Certificate, Trade License • Income Proof: Last 3 years ITR-V with Computation of Income, Audited P&L and Balance Sheet • Bank Statements: Last 12 months current account and personal savings account statements.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• Minimum 3 years of audited Income Tax Returns (ITR) and financial statements required. • Business vintage must be verified for at least 3 years in the same location. • Strict Net Annual Income threshold of ₹3 Lakhs. • Bank may demand a co-applicant or third-party guarantee if credit score is below 740.
🚀आवेदन के चरण (How to Apply)
1. Log into PNB Internet Banking or PNB One app. 2. Submit self-employed loan request with ITR acknowledgement numbers. 3. Branch representative coordinates in-person verification.
1. Visit pnbindia.in > Retail Loans > Personal Loan for Public. 2. Upload PAN, GSTIN, last 2 years ITR-V, and 12 months current account statements. 3. Receive application tracking number.
1. Visit nearest PNB branch. 2. Submit Application Form with business profile and KYC. 3. Provide computation of income, P&L statement, balance sheet, and tax challans. 4. Branch inspects business premises and executes loan agreement.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
Are professionals like doctors and CAs eligible?
Yes, doctors, chartered accountants, architects, and engineers are eligible with preferential interest rates under PNB Professional categories.
What business vintage is required?
A minimum of 3 years continuous profitable operation in the same line of business.
Is GST registration mandatory?
Yes, for business enterprises subject to GST. For professionals, professional tax registration or practice certificate is required.