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PNB Personal Loan of 4 Lakh
If you're considering a personal loan and need ₹4 Lakhs, Punjab National Bank (PNB) offers a straightforward solution. PNB provides personal loans at competitive interest rates, making it easier for you to manage unexpected expenses or fund personal projects.
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PNB is known for its quick processing times, which means you can get an instant loan decision in some cases, depending on your credentials and your application. Once approved, the loan amount can be disbursed instantly into your bank account, helping you address your financial needs without delay.
To apply for a ₹4 Lakhs personal loan, you must meet the bank’s eligibility criteria, including age, income level, employment status, and credit history. The documents required usually involve proof of identity, residence, and income.
Whether you’re consolidating debt, financing a wedding, or renovating your home, a ₹4 Lakhs personal loan from Punjab National Bank can be a practical option.
Remember to check the interest rate and repayment terms to ensure the loan is affordable. Use the bank’s EMI calculator to understand your monthly outgoing and plan your finances accordingly.
Eligibility for 4 Lakh PNB Personal Loan
To qualify for a ₹4 Lakh Personal Loan from Punjab National Bank, here are the necessary eligibility criteria:
For employed individuals:
- Your salary should be processed through PNB.
- You must be a confirmed or permanent employee of either the Central or State Government, public sector units, or recognised entities such as schools, colleges, universities, autonomous organisations, hospitals, and nursing homes. Additionally, if your salary was credited to accounts held at our branches, you should have at least two years of professional experience, including tenure at previous employers.
- Other applicants must have at least three years of work experience, which can also include time spent with former employers.
For self-employed professionals:
- You must have reported an annual income of at least ₹6 lakh over the last two years and maintain a CIC score of 750 or above.
- It is essential to have had a savings or current account with Punjab National Bank for at least the last two years. The deposits in your savings or current accounts at PNB or other financial institutions should have amounted to at least ₹5 lakh in the most recent fiscal year.
Documents Required for PNB 4 Lakh Personal Loan
When applying for a ₹4 Lakh personal loan from Punjab National Bank, make sure to prepare the following paperwork:
- Application Form: Fill out the form completely and include a recent photo.
- Proof of Identity: Acceptable documents include your Passport, Aadhaar Card, Voter ID, or Driving License.
- Proof of Residence: You may provide a Ration Card, a recent bank statement, a Passport, a Driver’s License, an Electricity Bill, or a Property Agreement.
- Proof of Age: Any official document that confirms your age.
- Proof of Education: Submit any certificates or documents related to your educational qualifications.
- Proof of Income:
- For Employed Individuals: Include a recent payslip with complete salary details, an Income Tax Return or Form 16 from the last two years, and bank statements from your salary account for the last 6 to 12 months.
- For Farmers: Provide documents proving land ownership and details of agricultural activities.
- For Self-Employed and Other Individuals: Submit Income Tax Returns and audited financial statements from the past two years and bank statements from the last 6 to 12 months. If applicable, include income documentation for direct family members that supports the loan application.
- Property Documents: Provide any required documents from the property checklist if necessary.
Having these documents ready and well-organised will help ensure a smooth application process.
Interest Rates and Fees of PNB 4 Lakh Personal Loan
- Interest Rates: Punjab National Bank provides three personal loan schemes, with interest rates beginning at 10.40% annually.
- Loan Amount: Punjab National Bank allows up to ₹20 lakh personal loans.
- Processing Fee: The bank levies a processing fee of up to 1% on the total loan amount.
- Documentation Charges: There is a documentation fee of ₹270.
Repayment Options for Punjab National Bank 4 Lakh Personal Loan
Punjab National Bank (PNB) offers several repayment options for a ₹4 Lakh Personal Loan:
- Standing Instructions: If you have a PNB account, you can set up automatic monthly deductions for your loan repayment directly from your account.
- Electronic Clearing System (ECS): For accounts with banks other than PNB, you can use ECS to make automatic monthly loan payments from your bank account.
- Post-Dated Cheques (PDCs): You can also submit cheques in advance for the loan repayments, which PNB will process on the predetermined dates.
What Is the EMI for a 4 Lakh Loan?
With a fixed interest rate of 14.75%, here is the monthly instalment (EMI) for a ₹4 lakh personal loan from Punjab National Bank:
Loan Tenure | EMI Amount | Interest Payable | Total Amount Payable |
1 year | ₹36,056 | ₹32,674 | ₹4,32,674 |
2 years | ₹19,347 | ₹64,332 | ₹4,64,332 |
3 years | ₹13,817 | ₹97,420 | ₹4,97,420 |
4 years | ₹11,082 | ₹1,31,920 | ₹5,31,920 |
5 years | ₹9,464 | ₹1,67,814 | ₹5,67,814 |
How to Apply for a PNB 4 Lakh Personal Loan
Here’s how to apply for a ₹4 Lakh personal loan from Punjab National Bank:
- Go to the official Urban Money website.
- Select “Loan” from the navigation bar and click “Personal Loan.”
- You’ll be taken to a page that lists top lenders in India.
- Locate the section for Punjab National Bank and click “Apply Now” next to their logo.
- Fill out the short online application form with your name, mobile number, and city.
- Upon form submission, you will receive a 6-digit OTP on your mobile. Enter this OTP in the designated field.
- After the OTP verification, a loan specialist from Urban Money will contact you to proceed further.
Alternative Options for PNB 4 Lakh Personal Loan
If you’re exploring alternatives to a ₹4,00,000 personal loan from Punjab National Bank, here are some other financing options you might consider:
- Gold Loan: Obtain a loan by offering your gold as collateral. The amount you can borrow will be based on the total weight of the gold.
- Loan Against Property (LAP): Secure a loan using your clear-title property as security. Generally, you can get up to 80% of the property’s market value as a loan.
- Loan Against Fixed Deposits: Banks often offer loans or overdrafts against the balance of your Fixed Deposits (FDs), where you can borrow up to 90% of the deposit’s value.
- Loan Against Life Insurance: If you have a fully paid life insurance policy, you can use it as security to borrow, typically between 85% and 90% of the policy’s surrender value.
- Loan Against Provident Funds: Leverage your Public Provident Fund (PPF) or Employee Provident Fund (EPF) to obtain a loan.
- Loan Against Credit Card: You can access an unsecured loan using your credit card. This option usually offers lower interest rates and flexible repayment options, making it suitable for urgent financial needs.
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Frequently Asked Question (FAQs)
Can I get a Rs 4 Lakh Personal Loan from Punjab National Bank?
Yes! You can easily apply for a ₹4 Lakh Personal Loan from Punjab National Bank’s official website of Urban Money.
What are the interest rate ranges for PNB 4 Lakh Personal Loan?
The interest rate for a ₹4 lakh personal loan from Punjab National Bank starts at 10.40% per annum.
How much will be my EMI for a PNB 4 Lakh Personal Loan?
For example, if you are a self-employed person seeking a ₹4 Lakh loan for a term of 5 years with a fixed interest rate of 14.75%, your monthly repayment amount (EMI) would be ₹9,464.
Are there any hidden charges in PNB personal loan agreements?
Besides interest rates, the bank might apply extra costs like processing fees, penalties for early repayment, and charges for delayed payments. Hence, it is advised that you carefully examine the terms and conditions of the loan you choose before moving forward.