Several key factors influence the Punjab National Bank or PNB personal loan processing fee:
Higher loan amounts typically trigger larger processing fees in absolute terms.
Different banks set different fee structures. PNB, for instance, has a standard 1% fee but may waive or reduce it in certain schemes (like for defence personnel).
A strong credit score, steady employment, and good income can reduce perceived risk, making a borrower more likely to negotiate or get a lower processing fee.
The processing fee covers the lender’s costs for document verification, credit checks, and loan underwriting.
GST is often added to the processing fee, which increases its effective cost.
I hope you found this information helpful. To get the latest charge, you can contact the bank manager.
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As per Punjab National Bank’s latest schedule, the Punjab National Bank home loan processing fee is 1.00% of the loan amount for most borrowers. It is as per the listing in the official PNB loan document. Beyond this, PNB applies documentation charges of Rs 270 for loans up to Rs 2 lakh, and Rs 450 for loans above Rs 2 lakh.
For self-employed applicants, there is a documentation fee of Rs 500. In special cases, for doctors, the processing fee is only 0.90% of the loan, and pensioners have no processing fee, though a documentation fee of Rs 450 applies. There are no pre-payment or foreclosure charges on PNB personal loans.
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Hi there. I can tell you what is the PNB personal loan processing fee. The personal loan processing charges are 1 percent of the approved loan amount. As in the case of defence personnel, the bank does not charge any processing fees for the personal loan. There are some additional fees including documentation charges which are levied by the bank. Like processing fees, they are also dependent on the loan amount.
PNB Personal Loan Processing Fee
Here is the processing fee levied by the Punjab National Bank based on the applicant type for the personal loan:
Applicant Type | Processing Fees | Documentation Charges* |
Salaried | 1 percent of the loan amount | Upto Rs. 2 lac- Rs. 270/- |
Salaried | 1 percent of the loan amount | Above Rs. 2 lac- Rs. 450/- |
Self-Employed | 1 percent of the loan amount | Rs. 500/- |
Pensioners | Nil | Rs 500/- |
Doctors | 0.90 percent of the loan amount | Rs. 450 |
Defence Personnel | Nil | Nil |
PNB Personal Loan Eligilibility
Here is the eligibility criteria for the personal loan from PNB:
Drawing salary from PNB Bank.
All Confirmed/ permanent employees of the Central/ State Govt./ PSUs minimum 2 years of service, including service with the previous employer(s), if any, all reputed* companies/Institutions including Schools, Colleges, Universities, autonomous bodies, Hospitals,/Nursing Homes who are drawing their salary through accounts maintained with our branches.
At least 3 years of service, including service with the previous employer(s), if any.
Check-off facility.
This is all I have to share with you. I hope this turns out to be useful.
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Some related information:
What is the PNB Personal Loan Processing Fee?
What is the PNB Personal Loan Processing Fee?
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2025-02-26T22:01:20+00:00 2025-02-26T22:01:21+00:00Comment
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