PNB Personal Loan 2025: Know EMI on ₹2 Lakh Loan for 3 Years, Interest Rate, and Application Process
If you are planning to take a personal loan for your financial needs in 2025, Punjab National Bank (PNB) Personal Loan could be an excellent choice. In this article, we’ll cover the EMI details for a ₹2 lakh loan for 3 years, interest rates, eligibility, and how you can apply both online and offline.
Key Highlights of Punjab National Bank Personal Loan 2025
Punjab National Bank, one of India’s leading public sector banks, offers personal loans with competitive interest rates and a hassle-free application process. Whether it’s for marriage, medical expenses, travel, or home renovation, PNB Personal Loan can meet your needs.
Features of PNB Personal Loan 2025:
- Loan Amount: ₹50,000 to ₹20 lakh
- Repayment Tenure: 12 to 72 months (1 to 6 years)
- Interest Rate: Starting from 10.40% per annum
- Processing Fee: 1% of the loan amount (minimum ₹1,000)
- Prepayment Charges: Nil (subject to terms and conditions)
EMI on ₹2 Lakh Personal Loan for 3 Years
If you take a personal loan of ₹2 lakh from PNB for a tenure of 3 years (36 months), the monthly EMI will vary based on the interest rate applicable. Here’s an approximate estimate:
| Interest Rate | Approximate Monthly EMI |
|---|---|
| 10.40% | ₹6,487 |
| 11.00% | ₹6,527 |
| 12.00% | ₹6,609 |
Note: These EMI figures exclude processing charges, GST, and other fees. It’s advisable to use the PNB EMI Calculator for an accurate estimate.
Who Can Apply for PNB Personal Loan?
To qualify for a personal loan from PNB, applicants must meet the following eligibility criteria:
- Must be an Indian citizen.
- Age: 21–58 years for salaried individuals and up to 65 years for self-employed professionals.
- Minimum Monthly Income: ₹15,000–₹20,000 depending on the location and profile.
- Employment: Minimum 2 years of steady job or business experience.
- CIBIL Score: 700 or higher.
Documents Required for PNB Personal Loan
When applying for a PNB personal loan, you need to provide:
- Identity Proof (Aadhaar Card, PAN Card, Voter ID)
- Address Proof (Electricity Bill, Ration Card, Passport, etc.)
- Latest 6 months’ Bank Statement
- Recent Salary Slips or Income Proof
- Passport Size Photographs
How to Apply for Punjab National Bank Personal Loan 2025
Online Application Process:
- Visit PNB’s official website.
- Navigate to the ‘Personal Loan’ section.
- Click on ‘Apply Now’ and fill out the form.
- Upload the necessary documents.
- Submit your application and await approval.
Offline Application Process:
- Visit the nearest Punjab National Bank branch.
- Collect and fill out the personal loan application form.
- Attach the required documents.
- Submit the form; the loan will be processed after document verification.
Benefits of Choosing PNB Personal Loan in 2025
- Quick Disbursal: Fast loan processing and disbursement.
- Affordable Interest Rates: Lower rates compared to many other banks.
- Flexible Tenure: Choose repayment terms as per your comfort.
- Transparent Charges: No hidden costs, full clarity during the process.
Conclusion
If you’re looking for a personal loan of ₹2 lakh in 2025, Punjab National Bank offers an attractive deal with low EMIs, competitive interest rates, and easy processing. Whether applying online or offline, the process is smooth and customer-friendly. Don’t delay—fulfill your financial needs by applying for a PNB Personal Loan today!
