सार्वजनिक क्षेत्र का बैंक (PSU Bank)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: 24 to 48 hours for salary account holders.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

पीएनबी सहयोग पर्सनल लोन

PNB's core personal loan for confirmed employees of Central/State Govt, PSUs, and reputed corporates.

ऋण राशि सीमा₹50,000 to ₹20,00,000 (up to 24x Gross Monthly Salary)

ब्याज दर (APR)11.40% - 15.25% p.a. (linked to RLLR + credit risk spread)

पुनर्भुगतान अवधि12 to 72 months

प्रोसेसिंग शुल्क1.00% of loan amount + GST (Min ₹1,000, Max ₹10,000 + GST)

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

उत्पाद का संक्षिप्त विवरण

PNB Sahyog is Punjab National Bank's primary unsecured loan for confirmed employees of Central and State Governments, Public Sector Undertakings, and selected private sector corporates having salary accounts with PNB.

प्रमुख लाभ एवं विशेषताएं

• High loan eligibility up to 24 times Gross Monthly Salary • Tenure extended up to 72 months for lower EMI burden • Zero prepayment penalty when closed from own personal funds • Attractive interest concessions for women borrowers and premier institutional staff.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Confirmed permanent employees of Central/State Govt, PSUs, Autonomous Bodies, and reputed Private Corporates with PNB salary account. Min Age: 21, Max Age: 58. Min Gross Monthly Income: ₹20,000. Min CIBIL: 700.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL prepayment penalty if closed from borrower's own verified sources; 2% if taken over by another bank.

📂आवश्यक दस्तावेज (Required Documents)

• Identity Proof: PAN Card and Aadhaar Card • Employment Proof: Official ID Card, appointment letter • Income Proof: Last 3 months payslips, latest Form 16 • Banking: Last 6 months salary bank account statement • Undertaking: Check-off / Standing instruction mandate.

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

• Employer Check-off Mandate: Employer must agree to deduct EMI directly from salary or register irrevocable standing instruction. • Minimum 2 years of continuous confirmed service required. • Broken period interest charged from disbursement date to first EMI presentation.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open PNB One mobile app > Loans > PNB Sahyog. 2. Verify pre-populated employment and salary details. 3. Enter required loan amount and tenure. 4. Complete e-Sign via Aadhaar OTP. 5. Loan credited within 24 hours.

2. नए ग्राहक (ऑनलाइन):

1. Visit pnbindia.in > Retail Loans > Personal Loans. 2. Fill online application and submit payslips and Form 16. 3. Track application with digital reference ID. 4. PNB officer verifies employer DDO details for sanction.

3. बैंक शाखा में जाकर:

1. Visit PNB branch maintaining your salary account. 2. Submit Form Sahyog-1 with 2 passport photographs. 3. Attach last 3 months salary slips, Form 16, and bank statements. 4. Submit Employer Check-off / DDO consent letter.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can private sector employees apply for PNB Sahyog?

Yes, confirmed employees of reputed private companies, MNCs, and educational institutions with at least 2 years service vintage are eligible.

What is the maximum salary multiplier?

Up to 24 times Gross Monthly Salary or ₹20 Lakhs, whichever is lower, subject to take-home pay remaining above 40%.

Are there prepayment penalties?

No prepayment charges apply if pre-closed from borrower's own funds. Takeover by other lenders incurs 2% fee.