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Interest Rates of PNB Insta Loans
| Loan Type | Interest Rate (p.a.) |
| PNB Insta Personal Loan | 11.00%-14.50% |
| PNB Insta Pension Loan | 11.50% |
Note: Rates as of 7th November 2024
Types of PNB Insta Loans
PNB Insta Personal Loan
Purpose: Individuals employed with Central Government, State Government, PSUs, defence and paramilitary forces maintaining their salary accounts with PNB for the last 2 years can avail PNB Insta Personal Loans with instant disbursal in minutes. Pre-approved PNB Personal Loan customers can avail the benefits of special rates, offers and charges. The applicants are allowed to choose the tenure and loan amount as per their convenience.
Loan Amount:
- Minimum Loan Amount- Rs 25,000
- Maximum Loan Amount- Rs 8 lakh for states where e-documentation is currently active and Rs 5 lakh for other states
Tenure: Up to 5 years
Apply for Insta Personal Loans at Attractive Interest Rates Click Here
PNB Insta Pension Loan
Purpose: Punjab National Bank offers PNB Insta Pension Loans to retired individuals drawing their pension through PNB, with loan disbursal in just few minutes.
Loan Amount:
- Minimum Loan Amount- Rs 25,000
- Maximum Loan Amount- Rs 8 lakh for states where e-documentation is currently active and Rs 5 lakh for other states
Tenure: Up to 5 years
PNB Insta E-Mudra Loan
Purpose: Existing customers of PNB and entrepreneurs can avail PNB Insta E-Mudra Loan with instant loan sanction and disbursal to meet their business requirements. The applicants should have satisfactory operations in their savings/current account for the last 1 year.
Processing Charges of PNB Insta Loans
| Loan Type | Processing Charges |
| PNB Insta Personal Loan | 0.50% of loan amount (Minimum Rs 500) |
| PNB Insta Pension Loan | 0.50% of loan amount (Minimum Rs 500) |
| PNB Insta E-Mudra Loans | For Consumer- Rs 50 per CIC
For Priority Sector Loan up to Rs 25,000- NIL |
Apply for Insta Personal Loans at Attractive Interest Rates Click Here
Eligibility Criteria for availing PNB Insta Loans
For PNB Insta Personal Loan
- Job Profile: Employees of Central Government, State Government, PSUs, Defence and Paramilitary forces having salary account with PNB for the last 2 years
- Applicant should be less than 60 years old
For PNB Insta Pension Loan
- Applicant should be below 70 years of age
- All types of pensioners maintaining their pension accounts with Punjab National Bank can avail PNB Insta Pension Loans
For PNB Insta E-Mudra Loan
- Minimum age at the time of loan application- 18 years
- Maximum age at the time of loan maturity- 60 years
- Applicant should be a businessman
- Applicant having active savings/current account with PNB for the past 12 months with satisfactory account operations can avail PNB Insta E-Mudra Loan
Apply for Insta Personal Loans at Attractive Interest Rates Click Here
Documents Required for Loan Application
Pre-approved Insta Loans from PNB require minimal online documentation through National E-Governance Services Limited (NeSL) for loan approval and disbursement. Below mentioned are the documents required by PNB for availing Insta Loans:
For PNB Insta Personal Loan/Insta Pension Loan
- E-sign and E-stamping using NeSL (Aadhar OTP based)
For PNB Insta E-Mudra Loan
- Udyam Registration Number (mandatory)
Note: Aadhar should be linked with the registered mobile number