Punjab National Bank Personal Loan — compare offers with the full cost in view
A punjab national bank personal loan is an unsecured loan, which means no collateral is pledged — the lender decides on income, credit history and existing obligations. Before applying, check three numbers: the interest rate basis, the processing fee with GST, and the total repayable in rupees.
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Quick EMI estimate
Open the full EMI calculator →Where every rupee goes
On short tenures the annualised rate can look high because one-time fees are spread over a few months. Compare the total repayable in rupees.
Example only. Your rate, fees and repayment amount depend on the lender's offer and Key Facts Statement.
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Frequently asked questions
A punjab national bank personal loan is an unsecured loan repaid in fixed monthly instalments (EMIs). The lender decides the amount and rate from your income and credit profile, and must disclose the full cost in a Key Facts Statement before you accept.
The cost has three parts: interest (indicatively 10–36% p.a. in this segment), a processing fee (commonly 0.5%–3%), and 18% GST on the fee. Example only: ₹1,00,000 over 12 months at 16% p.a. works out to an EMI of about ₹9,073 and roughly ₹1,11,237 repaid in total.
It is safe when the lender is a bank or an RBI-regulated NBFC and names its regulated entity clearly. Verify the entity, read the Key Facts Statement, and avoid any app that demands full phone access or an upfront "release fee".
Most lenders allow part-prepayment or full foreclosure. Charges vary and must be listed in the schedule of charges; prepaying early in the tenure saves the most interest because interest accrues on the outstanding balance.
Your credit history, income stability, existing EMIs, the amount and the tenure. The advertised "from" rate goes to the strongest profiles — always compare offers on the total repayable, not the headline rate.