A. RETAIL LOANS
HOUSING LOAN/HOME LOAN ROI STARTING FROM 7.45% p.a. (Additional concession of 5bps under “PNB UTSAV CAMPAIGN 2025” FROM 01.10.2025 to 31.12.2025)
|
PARAMETER
|
CIBIL TU or equivalent
|
Rate of Interest
|
|
Floating
|
Fixed
|
|
ROI UNDER PNB UTSAV CAMPAIGN 2025 01.10.2025 to 31.12.2025
|
ROI
|
Tenure upto 10 years
|
Tenure above 10 years
|
|
For loan above Rs. 30 lacs
LTV Ratio
<= 80% & |
800 & above
|
RLLR+BSP-0.90% (presently 7.45% p.a.)
|
RLLR+BSP-0.85% (presently 7.50% p.a.)
|
8.50%
|
9.00%
|
|
Irrespective of Loan Amount
LTV Ratio <= 80%
& |
PNB Pride*
|
RLLR+BSP-0.85%(presently 7.50% p.a.)
|
RLLR+BSP-0.80% (presently 7.55% p.a.)
|
8.55%
|
9.05%
|
|
750 and above
|
RLLR+BSP-0.85%(presently 7.50% p.a.)
|
RLLR+BSP-0.80%
(presently 7.55% p.a.)
|
8.55%
|
9.05%
|
|
700-749
|
RLLR+BSP-0.40%(presently 7.95% p.a.)
|
RLLR+BSP-0.35%
(presently 8.00% p.a.)
|
9.00%
|
9.50%
|
|
600-699
|
RLLR+BSP+ 0.70%
(presently 9.05% p.a.)
|
RLLR+BSP+ 0.75%
(presently 9.10% p.a.)
|
10.10%
|
10.60%
|
|
Loan Amount upto 30 lacs
LTV Ratio more than 80% but upto 85%
|
PNB Pride*
|
RLLR+BSP-0.75%
(presently 7.60% p.a.)
|
RLLR+BSP-0.70%
(presently 7.65% p.a.)
|
8.65%
|
9.15%
|
|
750 and above
|
RLLR+BSP-0.75%
(presently 7.60% p.a.)
|
RLLR+BSP-0.70%
(presently 7.65% p.a.)
|
8.65%
|
9.15%
|
|
700-749
|
RLLR+BSP-0.30% (presently 8.05% p.a.)
|
RLLR+BSP-0.25% (presently 8.10% p.a.)
|
9.10%
|
9.60%
|
|
600-699
|
RLLR+BSP-0.80% (presently 9.15% p.a.)
|
RLLR+BSP+ 0.85% (presently 9.20% p.a.)
|
10.20%
|
10.70%
|
HOME LOAN (CRE CATEGORY) ROI STARTING FROM 7.95% P.A. (Additional concession of 5bps under “PNB UTSAV CAMPAIGN 2025” FROM 01.10.2025 to 31.12.2025)
|
Parameter
|
CIBIL TU or equivalent
|
Rate of Interest
|
|
Floating
|
Fixed
|
|
ROI UNDER PNB UTSAV CAMPAIGN 2025 01.10.2025 to 31.12.2025
|
ROI
|
Tenure upto 10 years
|
Tenure above 10 years
|
|
For loan above Rs. 30 lacs
LTV Ratio <= 80%&
|
800 & above
|
RLLR+BSP-0.40%
(presently 7.95%)
|
RLLR+BSP-0.35%
(presently 8.00%)
|
9.00%
|
9.50%
|
|
Irrespective of Loan Amount
LTV Ratio <= 80%&
|
PNB Pride*
|
RLLR+BSP-0.35%
(presently 8.00%)
|
RLLR+BSP-0.30%
(presently 8.05%)
|
9.05%
|
9.60%
|
|
750 and above
|
RLLR+BSP-0.35%
(presently 8.00%)
|
RLLR+BSP-0.30%
(presently 8.05%)
|
9.05%
|
9.60%
|
|
700-749
|
RLLR+BSP-0.10%
(presently 8.45%)
|
RLLR+BSP+0.15%
(presently 8.50%)
|
9.50%
|
10.00%
|
|
600-699
|
RLLR+BSP+ 1.20%
(presently 9.55%)
|
RLLR+BSP+ 1.25%
(presently 9.60%)
|
10.60%
|
11.10%
|
|
Loan Amount upto 30 lacs
LTV Ratio more than 80% but upto 85%
|
PNB Pride*
|
RLLR+BSP-0.25%
(presently 8.10%)
|
RLLR+BSP-0.20%
(presently 8.15%)
|
9.15%
|
9.65%
|
|
750 and above
|
RLLR+BSP-0.25%
(presently 8.10%)
|
RLLR+BSP-0.20%
(presently 8.15%)
|
9.15%
|
9.65%
|
|
700-749
|
RLLR+BSP-0.30%
(presently 8.65%)
|
RLLR+BSP+0.35%
(presently 8.70%)
|
9.7%
|
10.20%
|
|
600-699
|
RLLR+BSP+ 1.30%
(presently 9.65%)
|
RLLR+BSP+ 1.35%
(presently 9.70%)
|
10.70%
|
11.20%
|
HOME LOAN (TL PNB MAX SAVER) STARTING FROM 7.60% P.A. (Additional concession of 5bps under “PNB UTSAV CAMPAIGN 2025” FROM 01.10.2025 to 31.12.2025)
|
Parameter
|
CIBIL TU or equivalent
|
Rate of Interest
|
|
Floating
|
Fixed
|
|
ROI UNDER PNB UTSAV CAMPAIGN 2025 01.10.2025 to 31.12.2025
|
ROI
|
Tenure upto 10 years
|
Tenure above 10 years
|
|
For loan above Rs. 30 lacs
LTV Ratio
<= 80%&
|
800 & above
|
RLLR+BSP-0.75%
(presently 7.60%)
|
RLLR+BSP-0.70%
(presently 7.65%)
|
8.65%
|
9.15%
|
|
Irrespective of Loan Amount
LTV Ratio <= 80%&
|
PNB Pride*
|
RLLR+BSP-0.70%
(presently 7.65%)
|
RLLR+BSP-0.65%
(presently 7.70%)
|
8.70%
|
9.20%
|
|
750 and above
|
RLLR+BSP-0.70%
(presently 7.65%)
|
RLLR+BSP-0.65%
(presently 7.70%)
|
8.70%
|
9.20%
|
|
700-749
|
RLLR+BSP-0.25%
(presently 8.10%)
|
RLLR+BSP-0.20%
(presently 8.15%)
|
9.15%
|
9.65%
|
|
600-699
|
RLLR+BSP-0.85%
(presently 9.20%)
|
RLLR+BSP+ 0.90%
(presently 9.25%)
|
10.25%
|
10.75%
|
|
Loan Amount upto 30 lacs
LTV Ratio more than 80% but upto 85%
|
PNB Pride*
|
RLLR+BSP-0.60%
(presently 7.75%)
|
RLLR+BSP-0.55%
(presently 7.80%)
|
8.80%
|
9.30%
|
|
750 and above
|
RLLR+BSP-0.60%
(presently 7.75%)
|
RLLR+BSP-0.55%
(presently 7.80%)
|
8.80%
|
9.30%
|
|
700-749
|
RLLR+BSP-0.15%
(presently 8.20%)
|
RLLR+BSP-0.10%
(presently 8.25%)
|
9.25%
|
9.75%
|
|
600-699
|
RLLR+BSP-0.95%
(presently 9.30%)
|
RLLR+BSP+ 1.00%
(presently 9.35%)
|
10.35%
|
10.85%
|
HOME LOAN (OD PNB MAX SAVER) STARTING FROM 7.60% P.A.(Additional concession of 5bps under “PNB UTSAV CAMPAIGN 2025” FROM 01.10.2025 to 31.12.2025)
|
Parameter
|
CIBIL TU or equivalent
|
Rate of Interest
|
|
Floating
|
Fixed
|
|
ROI UNDER PNB UTSAV CAMPAIGN 2025 01.10.2025 to 31.12.2025
|
ROI
|
Tenure upto 10 years
|
Tenure above 10 years
|
|
For loan above Rs. 30 lacs LTV Ratio <= 80% &
|
800 & above
|
RLLR+BSP-0.75%
(presently 7.60%)
|
RLLR+BSP-0.70%
(presently 7.65%)
|
8.65%
|
9.15%
|
|
Irrespective of Loan Amount
LTV Ratio <= 80%&
|
PNB Pride*
|
RLLR+BSP-0.70%
(presently 7.65%)
|
RLLR+BSP-0.65%
(presently 7.70%)
|
8.70%
|
9.20%
|
|
750 and above
|
RLLR+BSP-0.70%
(presently 7.65%)
|
RLLR+BSP-0.65%
(presently 7.70%)
|
8.70%
|
9.20%
|
|
700-749
|
RLLR+BSP-0.25%
(presently 8.10%)
|
RLLR+BSP-0.20%
(presently 8.15%)
|
9.15%
|
9.65%
|
|
600-699
|
RLLR+BSP-0.85%
(presently 9.20%)
|
RLLR+BSP+ 0.90%
(presently 9.25%)
|
10.25%
|
10.75%
|
|
Loan Amount upto 30 lacs
LTV Ratio more than 80% but upto 85%
|
PNB Pride*
|
RLLR+BSP-0.60%
(presently 7.75%)
|
RLLR+BSP-0.55%
(presently 7.80%)
|
8.8%
|
9.30%
|
|
750 and above
|
RLLR+BSP-0.60%
(presently 7.75%)
|
RLLR+BSP-0.55%
(presently 7.80%)
|
8.80%
|
9.30%
|
|
700-749
|
RLLR+BSP-0.15%
(presently 8.20%)
|
RLLR+BSP-0.10%
(presently 8.25%)
|
9.25%
|
9.75%
|
|
600-699
|
RLLR+BSP-0.95%
(presently 9.30%)
|
RLLR+BSP+ 1.00%
(presently 9.35%)
|
10.35%
|
10.85%
|
SOLAR POWER SYSTEM ROI STARTING FROM 6% p.a.
1. For Loan amount up to Rs. 2 Lakhs
1.1 Under Floating option: REPO RATE + 0.50% i.e. 5.50%+0.50%presently 6.00% p.a.
2. For loan amount above Rs. 2 lakhs and up to Rs. 6 lakhs -
2.1. Under Floating option:
|
CIBIL TU or equivalent
|
ROI for existing/ fresh Home Loan Borrower
|
ROI for Non-Home Loan Borrower
|
|
800 and above
|
RLLR+BSP-0.85% (presently 7.50% p.a.)
|
RLLR+BSP+0.15% (presently 8.50% p.a.)
|
|
750 to 799 (including -1/0/ No hit/ Nil)
|
RLLR+BSP-0.80% (presently 7.55% p.a.)
|
RLLR+BSP+0.20% (presently 8.55% p.a.)
|
|
700 to 749
|
RLLR+BSP-0.35% (presently 8.00% p.a.)
|
RLLR+BSP+0.65% (presently 9.00% p.a.)
|
|
680 to 699
|
RLLR+BSP+0.75% (presently 9.10% p.a.)
|
RLLR+BSP+1.75% (presently 10.10% p.a.)
|
Under Fixed option:
|
CIBIL TU or equivalent
|
ROI for existing/ fresh Home Loan Borrower
|
ROI for Non-Home Loan Borrower
|
|
800 and above
|
8.50% p.a.
|
9.50% p.a.
|
|
750 to 799 (including -1/0/ No hit/ Nil)
|
8.55% p.a.
|
9.55% p.a.
|
|
700 to 749
|
9.00% p.a.
|
10.00% p.a.
|
|
680 to 699
|
10.10% p.a.
|
11.10% p.a.
|
Other Terms & Conditions
-
*PNB PRIDE covers the permanent employees of Central, State Govt. Para Military personnel and Pensioners of Central & State Govt & Employees of PSUs.
-
No further concession available to the women borrower on the applicable rate of interest.
-
Rate of Interest on TOP-UP LOAN- OVERDRFT/ TERM LOAN to housing loan borrowers for personal needs is as under:-
|
TOP-UP LOAN- OVERDRFT/ TERM LOAN
|
Type
|
Floating ROI
|
Fixed ROI
|
|
Tenure upto 10 years
|
Tenure above 10 years
|
|
ROI Irrespective of CIC Score
|
Term Loan
|
RLLR+BSP+ 0.35% (Presently 8.70%)
|
9.70%
|
10.20%
|
|
Overdraft
|
RLLR+BSP+ 1.35% (Presently 9.70%)
|
10.70%
|
11.20%
|
2.1 CAR LOAN (New Car) ROI STARTING FROM 7.85% p.a (Additional concession of 5bps under “PNB UTSAV CAMPAIGN 2025” FROM 01.10.2025 to 31.12.2025)
|
Scheme/ Borrower Type
|
CIBIL TU or equivalent
|
Rate of Interest
|
|
Floating
|
Fixed
|
|
Car Loan (other than e-vehicle)
|
Car Loan
(e-vehicle)
|
Car Loan (other than e-vehicle)
|
Car Loan
(e-vehicle)
|
|
ROI UNDER PNB UTSAV CAMPAIGN 2025 01.10.2025 to 31.12.2025
|
ROI
|
ROI UNDER PNB UTSAV CAMPAIGN 2025 01.10.2025 to 31.12.2025
|
ROI
|
|
Women
|
Irrespective of CICs Score
|
RLLR+ BSP-0.50%
i.e. 7.85% p.a.
(Presently)
|
RLLR+ BSP-0.45%
i.e. 7.90% p.a.
(Presently)
|
RLLR+ BSP-0.55%
i.e. 7.80% p.a.
(Presently)
|
RLLR+ BSP-0.50%
i.e. 7.85% p.a.
(Presently)
|
|
|
|
PNB PRIDE*
|
8.90%
|
8.85%
|
|
Corporate#
|
|
Insta Vehicle Loan Scheme for existing home loan borrower
(New Car Only)
|
|
Others Individual
|
750 & above
|
RLLR+ BSP-0.50%
i.e. 7.85% p.a.
(Presently)
|
RLLR+ BSP-0.45%
i.e. 7.90% p.a.
(Presently)
|
RLLR+ BSP-0.55%
i.e. 7.80% p.a.
(Presently)
|
RLLR+ BSP-0.50%
i.e. 7.85% p.a.
(Presently)
|
8.90%
|
8.85%
|
|
700 and up to 749
|
RLLR+ BSP -0.05 i.e.8.30 % p.a.
(Presently)
|
RLLR+ BSP i.e.8.35 % p.a. (Presently)
|
RLLR+BSP-0.10% i.e. 8.25%
|
RLLR+BSP-0.05% i.e. 8.30%
|
9.35%
|
9.30%
|
|
680 to less than 700
|
RLLR+ BSP+ 0.30%
i.e. 8.65% p.a.
|
RLLR+ BSP+ 0.35%
i.e. 8.70% p.a.
|
RLLR+ BSP+ 0.25%
i.e. 8.60% p.a.
|
RLLR+ BSP+ 0.30%
i.e. 8.65% p.a.
|
9.70%
|
9.65%
|
*PNB PRIDE covers the Central/ State Government Employees/ Defense personnel/ Para military Forces/ Pensioners of Central & State Government & Employees of PSUs.
# Corporates: Business concerns Car Loan financed to business concerns for personal use of their executives i.e. other than for use in business.
2.2 CAR LOAN (Old Car) ROI STARTING FROM 8.90% p.a.
|
Scheme/ Borrower Type
|
CIBIL TU or equivalent
|
Rate of Interest with Interest table Codes
|
|
Floating
|
Fixed
|
|
Car Loan (other than e-vehicle)
|
Car Loan (other than e-vehicle)
|
|
Women
|
Irrespective of CICs Score
|
RLLR+ BSP+0.55%
i.e. 8.90% p.a.
|
9.90%
|
|
PNB PRIDE*
|
|
Corporate#
|
|
Insta Vehicle Loan Scheme for existing home loan borrower
(New Car Only)
|
|
Others Individual
|
750 & above
|
RLLR+ BSP+0.55%
i.e. 8.90% p.a.
|
9.90%
|
|
700 and up to 749
|
RLLR+ BSP+1.00% i.e. 9.35% p.a.
|
10.35%
|
|
680 to less than 700
|
RLLR+ BSP+ 1.35%
i.e. 9.70% p.a.
|
10.70%
|
*PNB PRIDE covers the Central/ State Government Employees/ Defense personnel/ Para military Forces/ Pensioners of Central & State Government & Employees of PSUs.
# Corporates: Business concerns Car Loan financed to business concerns for personal use of their executives i.e. other than for use in business.
EDUCATION LOAN FOR STUDY IN INDIA: PNB SARASWATI ROI STARTING FROM 8.35% p.a.
|
Parameter
|
Rate of Interest with interest table codes (Other than Female Student)
|
Rate Of Interest with interest table codes (Female Student)
|
|
Floating |
Fixed |
Floating |
Fixed |
|
For Loan upto 10 years |
For Loan above 10 years |
For Loan upto 10 years |
For Loan above 10 years |
|
Loan upto Rs.7.50 lakhs
(covered under CGFSEL Scheme)
|
RLLR+BSP+ 2.00%
(Presently 10.35 %)
|
11.35% |
11.85% |
RLLR+BSP+ 1.50%
(Presently 9.85%)
|
10.85% |
11.35% |
|
Loan above Rs.7.50 lakhs
|
RLLR+BSP+2.00%
(Presently 10.35%)
|
11.35% |
11.85% |
RLLR+BSP+ 1.50%
(Presently 9.85%)
|
10.85% |
11.35% |
|
Loan irrespective of amount (where minimum 100% collateral security is available)
|
RLLR+BSP+1.25%
(Presently 9.60%)
|
10.60% |
11.10% |
RLLR+BSP+ 0.75%
(Presently 9.10%)
|
10.10% |
10.60% |
EDUCATION LOAN FOR STUDIES IN PREMIER INSTITUTE : PNB PRATIBHA ROI STARTING FROM 7.00% p.a.
|
Parameter
|
Rate Of Interest Based On RLLR
|
|
Floating
|
Fixed
|
|
For Loan upto 10 years
|
For Loan above 10 years
|
|
Loan above Rs.7.50 lakhs
Student getting admission in IIMs, IITs, MDI Gurgaon, XLRI Jamshedpur, BITS Pilani.
|
RLLR + BSP – 1.35% (Presently 7.00%)
|
8.00%
|
8.50%
|
|
Loan above Rs.7.50 lakhs
Student getting admission in ISB Hyderabad, ISB Mohali, IIFT Delhi & Kolkata, XIMB Bhubaneshwar, BITS (Hyderabad & Goa) campuses, All NIT’s, MICA-Ahmedabad, IMT-Ghaziabad, NMIMS- Mumbai & SPJIMR-Mumbai.
|
RLLR + BSP – 1.15% (Presently 7.20%)
|
8.20%
|
8.70%
|
|
Loan amount above Rs.7.50 lakhs
Student getting admission in Symbiosis Institute of Business Management, Pune .
|
RLLR + BSP – 1.05% (Presently 7.80%)
|
8.30%
|
8.80%
|
|
Loan amount above Rs.7.50 lakhs
Student getting admission in Institute of Management-Nirma University-Ahmedabad & FMS-Delhi
|
RLLR + BSP – 0.85% (Presently 7.50%)
|
8.50%
|
9.00%
|
|
Loan amount above Rs.7.50 lakhs
Student getting admission other than IIMs, IITs, MDI Gurgaon, XLRI Jamshedpur, BITS Pilani, ISB Hyderabad, ISB Mohali, IIFT Delhi & Kolkata, XIMB Bhubaneshwar, BITS (Hyderabad & Goa) campuses, All NIT’s, MICA-Ahmedabad, IMT-Ghaziabad, NMIMS- Mumbai SPJIMR-Mumbai, Symbiosis Institute of Business Management, Pune, Institute of Management-Nirma University-Ahmedabad & FMS-Delhi.
|
RLLR + BSP - 0.25% (Presently 8.10%)
|
9.10%
|
9.60%
|
EDUCATION LOAN FOR STUDY IN 860 QHEIs: PM VIDYALAXMI ROI STARTING FROM 7.00% p.a.
|
Category of Institute
|
Rate of Interest
|
|
AAA
|
All IIM’s & IIT’s, MDI Gurgaon, XLRI Jamshedpur, BITS Pilani, XIM University.
|
RLLR + BSP -1.35%
(Presently 7.00%)
|
|
S.P Jain institute of Management and Research Mumbai, SVKM’s Narsee Monjee institute of Management Studies, Symbiosis Institute of business management, IMT Ghaziabad, All NIT’s & MICA, Ahmedabad
|
RLLR + BSP -1.15%
(Presently 7.20%)
|
|
AA
|
RLLR + BSP - 0.25%
(Presently 8.10%)
|
|
A
|
RLLR + BSP + 0.50%
(Presently 8.85%)
|
Education Loan: PNB SARASWATI & PNB UDAAN Education loan scheme for student getting admission in MBBS/MD/MS/PG courses starting from 8.35% p.a.
|
Parameter
|
Floating ROI
|
|
Loan amount above Rs. 7.5 Lakhs for pursuing MBBS/MD/MS/PG (in medical after completing MBBS) (where minimum 100% collateral security is available)
|
RLLR+BSP (Presently 8.35%)
|
EDUCATION LOAN FOR STUDY ABROAD: PNB UDAAN ROI STARTING FROM 8.35% p.a.
|
Parameter
|
Rate of Interest(Other than Female Student)
|
Rate Of Interest(Female Student)
|
|
Floating |
Fixed |
Floating |
Fixed |
|
For Loan upto 10 years |
For Loan above 10 years |
For Loan upto 10 years |
For Loan above 10 years |
|
Loan irrespective of amount to student getting admission into specific institutes as mentioned in Annexure - B (where minimum 100% collateral security is available)
|
RLLR+BSP
(Presently 8.35%)
|
9.35 % |
9.85% |
RLLR+BSP
(Presently 8.35%)
|
9.35 % |
9.85% |
|
Loan irrespective of amount (where minimum 100% collateral security is available)
|
RLLR+BSP+1.25%
(Presently 9.60%)
|
10.60% |
11.10% |
RLLR+BSP+0.75%
(Presently 9.10%)
|
10.10% |
10.60% |
|
Loan upto Rs.7.50 lakhs
(covered under CGFSEL Scheme)
|
RLLR+BSP+2.00%
(Presently 10.35%)
|
11.35% |
11.85% |
RLLR+BSP+1.50%
(Presently 9.85%)
|
10.85% |
11.35% |
|
Loan above Rs.7.50 lakhs
|
RLLR+BSP+2.00%
(Presently 10.35%)
|
11.35 % |
11.85% |
RLLR+BSP+1.50%
(Presently 9.85%)
|
10.85% |
11.35% |
EDUCATION LOAN FOR VOCATIONAL COURSES: PNB KAUSHAL ROI STARTING FROM 9.85% p.a.
|
Parameter
|
Floating ROI
|
Fixed ROI
|
|
For Loan upto 10 years
|
For Loan above 10 years
|
|
Loan up to Rs. 7.50 lakh
(Covered under CGFSSD)
|
RLLR+BSP + 1.50% (Presently 9.85%)
|
10.85%
|
11.35%
|
|
Loan up to Rs. 7.50 lakh (Covered under CGFSSD) to female student
|
RLLR+BSP + 1.00% (Presently 9.35%)
|
10.35%
|
10.85%
|
EDUCATION LOAN: PM CARES EDUCATION LOAN SCHEME STARTING FROM 8.60% p.a.
|
Parameter
|
Floating ROI
|
Fixed ROI
|
|
For Loan upto 10 years
|
For Loan above 10 years
|
|
Loan upto Rs.7.50 Lakh (covered under CGFSEL Scheme)
|
RLLR + BSP + 0.25% (Presently 8.60%)
|
9.60%
|
10.10%
|
|
Loans irrespective of amount (where 100% tangible collateral security in the shape of IP, enforceable under SARFAESI Act, and/or liquid security is available)
|
RLLR + BSP + 0.25% (Presently 8.60%)
|
9.60%
|
10.10%
|
|
Loan above Rs.7.50 Lakh (Where ZM has waived the 100% security criteria as per vested loaning power)
|
RLLR + BSP + 0.75% (Presently 9.10%)
|
10.10%
|
10.60%
|
EDUCATION LOAN: PNB HONHAAR ROI STARTING FROM 10.35% p.a.
|
Floating ROI
|
Fixed ROI
|
|
For Loan upto 10 years
|
For Loan above 10 years
|
|
RLLR+BSP+2.00% (Presently 10.35%)
|
11.35%
|
11.85%
|
Education Loan Scheme - Concessional Education Loans to Persons with Disabilities (PwDs) - Memorandum of Agreement with National Handicapped Finance & Development Corporation (NHFDC)
|
S.No
|
Loan Amount (Rs. In Lakhs)
|
Applicable Rate Of Interest To PwDs (%)
|
|
1
|
Upto Rs. 50.00 Lakhs
|
4%
|
PNB BAGHBAN- A SCHEME FOR HOUSE OWNING SENIOR CITIZENS OF INDIA UNDER ‘REVERSE MORTGAGE CONCEPT’
|
Rate of Interest Based on RLLR
|
Fixed ROI
|
|
RLLR+BSP+2.75% (Presently 11.60%)
|
12.60%
|
EARNEST MONEY DEPOSIT (EMD) SCHEME
|
Rate of Interest Based on RLLR
|
|
RLLR+BSP+0.25% (Presently 9.10%)
|
7. PNB SAHYOG RIN – PERSONAL LOAN SCHEME FOR PUBLIC ROI STAERTING FROM 10.50% p.a.
|
Sr. No.
|
Type
|
CIBIL TU or Equivalent
|
Rate of Interest with Interest table codes
|
|
Floating
|
Fixed
|
|
TL
|
OD
|
TL
|
OD
|
|
A
|
Loan to Defence/ Para Military Personals drawing salaries through our Bank including customers covered under Rakshak Plus scheme
|
Not applicable
|
RLLR+BSP+ 2.15%
(Presently 10.50%)
|
RLLR+BSP+ 2.15%
(Presently 10.50 %)
|
11.50%
|
11.50%
|
|
B
|
a. Loan to Govt. Employees drawing salaries through our Bank
b. Loan to Central Government gazetted officer (Section Officer or equivalent and above) not having salary account with us.
|
= 800
|
RLLR+BSP+ 2.50%
(Presently 10.85%)
|
RLLR+BSP+ 2.50%
(Presently 10.85%)
|
11.85%
|
11.85%
|
|
=750 less than 800
Or
With Nil credit history (i,e -1 or 0)
|
RLLR+BSP+ 3.50%
(Presently 11.85%)
|
RLLR+BSP+ 3.50%
(Presently 11.85%)
|
12.85%
|
12.85%
|
|
680 to 749
|
RLLR+BSP+ 4.50%
(Presently 12.85%)
|
RLLR+BSP+ 4.50%
(Presently 12.85%)
|
13.85%
|
13.85%
|
|
Score less than 680
|
RLLR+BSP+ 5.00%
(Presently 13.35%)
|
RLLR+BSP+ 5.00%
(Presently 13.35%)
|
14.35%
|
14.35%
|
|
C
|
a. Loan to Corporate/other Employees drawing salaries through our Bank.
b. Loan to Govt. Employees not drawing salary with our bank
|
Score = 800
|
RLLR+BSP+ 3.50%
(Presently 11.85%)
|
RLLR+BSP+ 3.50%
(Presently 11.85%)
|
12.85%
|
12.85%
|
|
=750 less than 800
Or
With Nil credit history (i,e -1 or 0)
|
RLLR+BSP+ 4.50%
(Presently 12.85%)
|
RLLR+BSP+ 4.50%
(Presently 12.85%)
|
13.85%
|
13.85%
|
|
680 to 749
|
RLLR+BSP+ 6.50%
(Presently 14.85%)
|
RLLR+BSP+ 6.50%
(Presently 14.85%)
|
15.85%
|
15.85%
|
|
Score less than 680
|
RLLR+BSP+ 7.00%
(Presently 15.35%)
|
RLLR+BSP+ 7.00%
(Presently 15.35%)
|
16.35%
|
16.35%
|
|
D
|
Loan to employees under check off facility
|
= 800
|
RLLR+BSP+ 5.00%
(Presently 13.35%)
|
RLLR+BSP+ 5.00%
(Presently 13.35%)
|
14.35%
|
14.35%
|
|
=750 less than 800
Or
With Nil credit history (i,e -1 or 0)
|
RLLR+BSP+ 5.50%
(Presently 13.85%)
|
RLLR+BSP+ 5.50%
(Presently 13.85%)
|
14.85%
|
14.85%
|
|
680 to 749
|
RLLR+BSP+ 7.20%
(Presently 15.55%)
|
RLLR+BSP+ 7.20%
(Presently 15.55%)
|
16.55%
|
16.55%
|
|
Score less than 680
|
RLLR+BSP+ 7.70%
(Presently 16.05%)
|
RLLR+BSP+ 7.70%
(Presently 16.05%)
|
17.05%
|
17.05%
|
DIGITAL PERSONAL LOAN – PERSONAL LOAN SCHEME
|
Scheme
|
CIBIL TU or equivalent
|
Rate of Interest with Interest Table Codes
|
|
Floating
|
Fixed
|
|
PAPL to (Central Govt./ State Govt./ PSU/Pvt. Employees)
|
>=800
|
RLLR+BSP+2.25%
(Presently 10.60%)
|
11.60%
|
|
>=750 less than 800
Or
With Nil credit history (i,e -1 or 0)
|
RLLR+BSP+3.25%
(Presently 11.60%)
|
12.60%
|
|
700 to 749
(not applicable for PAPL to Pvt. Employees)
|
RLLR+BSP+4.25%
(Presently 12.60%)
|
13.60%
|
|
PAPL to pensioners
|
>= 650
|
RLLR+BSP+2.25%
(Presently 10.60%))
|
11.60%
|
|
PAPL to existing customer on the basis of QAB & TRV
|
>= 800
|
RLLR+BSP+2.25%
(Presently 10.60%)
|
11.60%
|
|
>=750 less than 800
|
RLLR+BSP+4.25%
(Presently 12.60%)
|
13.60%
|
|
PAPL to existing Car Loan, Home Loan and Personal Loan borrower
|
>=800
|
RLLR+BSP+2.25%
(Presently 10.60%)
|
11.60%
|
|
CIC>=750 less than 800
|
RLLR+BSP+3.25%
(Presently 11.60%)
|
12.60%
|
Digital Personal loan to NTB customers PNB SWAAGAT
|
CIC Score
|
Existing Under Floating Option
|
Proposed Under Fixed Option
|
|
>=800 (CIBIL) or equivalent
|
RLLR+BSP+2.25%
(Presently 10.60%)
|
11.60%
|
|
750 to 799 (CIBIL) or equivalent
|
RLLR+BSP+3.25%
(Presently 11.60%)
|
12.60%
|
|
700 to 749 (CIBIL) or equivalent including -1/0/no hit/Nil
|
RLLR+BSP+4.25%
(Presently 12.60%)
|
13.60%
|
PAPL to fully repaid home loan/ car loan/ education loan/ personal loan borrowers
|
CIBIL TU or equivalent
|
Rate of Interest
|
|
Existing Under Floating Option
|
Proposed Under Fixed Option
|
|
>=800
|
RLLR+BSP+2.25%
(presently 10.60%)
|
11.60%
|
|
CIC>=750 less than 800
|
RLLR+BSP+3.25%
(Presently 11.60%)
|
12.60%
|
8. PERSONAL LOAN SCHEME FOR PENSIONERS ROI STRATING FROM 10.85% p.a.
|
Loan Type
|
Floating ROI
|
Fixed ROI
|
|
Demand Loan/ Term Loan/ Overdraft
|
RLLR+BSP+ 2.50% (Presently 10.85%)
|
11.85%
|
9. PERSONAL LOAN SCHEME FOR COVID
|
Loan Type
|
Rate of Interest Based on RLLR
|
|
Demand Loan/ Term Loan
|
RLLR+BSP+ 1.70% (Presently 10.05%)
|
10. TWO – WHEELERS LOAN - PNB SAARTHI & PNB POWER RIDE– ROI STARTING FROM 11.10% p.a.
|
Name of the Scheme
|
Floating ROI
|
Fixed ROI
|
|
Salaried Person
|
RLLR+BSP + 2.75% (Presently 11.10%)
|
12.10%
|
|
Others including business concern
|
RLLR+BSP + 3.25% (Presently 11.60%)
|
12.60%
|
|
PNB POWER RIDE
|
RLLR+BSP + 1.90% (Presently 10.25%)
|
11.25%
|
11. LOAN AGAINST IMMOVABLE PROPERTY ROI STARTING FROM 9.30% p.a.
11 A. When Security is upto 200% of Loan amount
|
Based on CIC Score of the Borrower
|
Rate of Interest
|
|
Floating
|
Fixed
|
|
TL
|
OD
|
|
TL
|
OD
|
For Loan upto 10 years
|
For Loan above 10 years
|
For Loan upto 10 years
|
For Loan above 10 years
|
|
Above 800
|
RLLR+BSP+1.15% (Presently 9.50%)
|
RLLR+BSP+1.65% (Presently 10.00%)
|
10.50%
|
11.00%
|
11.00%
|
11.50%
|
|
CIC Score 750 & & upto 799
|
RLLR+BSP+1.40% (Presently 9.75%)
|
RLLR+BSP+1.90% (Presently 10.25%)
|
10.75%
|
11.25%
|
11.25%
|
11.75%
|
|
CIC Score 700 and up to 749
|
RLLR+BSP+1.95% (Presently 10.30%)
|
RLLR+BSP+2.45% (Presently 10.80%)
|
11.30%
|
11.80%
|
11.80%
|
12.30%
|
|
680-699
|
RLLR+BSP+3.45% (Presently 11.80%)
|
RLLR+BSP+3.95% (Presently 12.30%)
|
12.80 %
|
13.30 %
|
13.30%
|
13.80%
|
11. B. Realizable value of property above 200% and upto 300% of loan amount
|
Based on CIC Score of the Borrower
|
Rate of Interest
|
|
Floating
|
Fixed
|
|
TL
|
OD
|
|
TL
|
OD
|
For Loan upto 10 years
|
For Loan above 10 years
|
For Loan upto 10 years
|
For Loan above 10 years
|
|
Above 800
|
RLLR+BSP+1.05% (Presently 9.40%)
|
RLLR+BSP+1.55% (Presently 9.90%)
|
10.40%
|
10.90%
|
10.90%
|
11.40%
|
|
CIC Score 750 & upto 799
|
RLLR+BSP+1.30% (Presently 9.65%)
|
RLLR+BSP+1.80% (Presently 10.15%)
|
10.65%
|
11.15%
|
11.15%
|
11.65%
|
|
CIC Score 700 and up to 749
|
RLLR+BSP+1.85% (Presently 10.20%)
|
RLLR+BSP+2.35% (Presently 10.70%)
|
11.20%
|
11.70%
|
11.70%
|
12.20%
|
|
680-699
|
RLLR+BSP+3.35% (Presently 11.70%)
|
RLLR+BSP+3.85% (Presently 12.20%)
|
12.70%
|
13.20%
|
13.20%
|
13.70%
|
11. c. Realizable value of property above 300% of loan amount
|
Based on CIC Score of the Borrower
|
Rate of Interest
|
|
Floating
|
Fixed
|
|
TL
|
OD
|
|
TL
|
OD
|
For Loan upto 10 years
|
For Loan above 10 years
|
For Loan upto 10 years
|
For Loan above 10 years
|
|
Above 800
|
RLLR+BSP+0.95% (Presently 9.30%)
|
RLLR+BSP+1.45% (Presently 9.80%)
|
10.30%
|
11.80%
|
10.80%
|
11.30%
|
|
CIC Score 750 & upto 799
|
RLLR+BSP+1.20% (Presently 9.55%)
|
RLLR+BSP+1.70% (Presently 10.05%)
|
10.55%
|
11.05%
|
11.05%
|
11.55%
|
|
CIC Score 700 and up to 749
|
RLLR+BSP+1.75% (Presently 10.10%)
|
RLLR+BSP+2.25% (Presently 10.60%)
|
11.10%
|
11.60%
|
11.60%
|
12.10%
|
|
680-699
|
RLLR+BSP+3.25% (Presently 11.60%)
|
RLLR+BSP+3.75% (Presently 12.10%)
|
12.60%
|
13.10%
|
13.10%
|
13.60%
|