सार्वजनिक क्षेत्र का बैंक (PSU Bank)रक्षा कर्मी (सशस्त्र बल)स्वीकृति गति: Within 24 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

पीएनबी रक्षक पर्सनल लोन

Subsidized loan for active military, naval, air force, and paramilitary personnel under PNB Rakshak Scheme.

ऋण राशि सीमा₹50,000 to ₹20,00,000

ब्याज दर (APR)11.00% - 13.00% p.a. (concessional defence pricing)

पुनर्भुगतान अवधि12 to 72 months

प्रोसेसिंग शुल्कNIL (completely waived under PNB Rakshak Package)

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Subsidized personal loan scheme tailored for serving defence, military, and paramilitary forces personnel holding a PNB Rakshak Salary Account.

प्रमुख लाभ एवं विशेषताएं

• Concessional interest rate spread for armed forces personnel • 100% waiver on processing and documentation fees • Zero prepayment penalties for partial prepayment or foreclosure • High loan limit up to ₹20 Lakhs.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Serving personnel of Indian Army, Navy, Air Force, Coast Guard, Paramilitary Forces (CRPF, BSF, ITBP, CISF, SSB, Assam Rifles). Min Age: 21, Max Age: 56. Min CIBIL: 680.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL prepayment penalty across all tenures.

📂आवश्यक दस्तावेज (Required Documents)

• Defence Identity Card copy • Last 3 months military pay slips (PAO / CDA slip) • Unit Authority Letter / DDO mandate • PAN and Aadhaar.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Must maintain an active PNB Rakshak Salary Account. Salary deduction mandate signed by unit commanding officer / DDO is compulsory.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Access PNB One app > Rakshak Services > Personal Loan. Pre-approved defence tier unlocks instant digital sanction.

2. नए ग्राहक (ऑनलाइन):

1. Visit pnbindia.in/rakshak-scheme. Enter defence service number and unit base for priority branch onboarding.

3. बैंक शाखा में जाकर:

1. Visit nearest PNB cantonment branch with Service Book copy, last 3 months pay slips, and Unit DDO mandate letter.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Which forces are covered under PNB Rakshak?

Indian Army, Indian Navy, Indian Air Force, Coast Guard, CRPF, BSF, ITBP, CISF, and Assam Rifles.

Are Agniveers eligible under Rakshak?

Yes, Agniveers receive tailored personal loans mapped to their contract service duration.

Is any processing fee charged?

No, 100% waiver on processing and documentation charges.