INTEREST RATES

Retail Loan Interest Rates

Housing, Car, Personal, Education, Gold and other retail loans of Punjab National Bank – short summary with full official tables. Checked every morning at 6:00 AM.

Last checked: 09 Nov 2026, 06:00 AMLast changed: 07 Nov 2026, 08:37 AM

Benchmark rates (RLLR / MCLR / Base Rate)

Repo Linked Lending Rate (RLLR)
Existing w.e.f.01.10.2026	Revised w.e.f.08.10.2026
8.10%	8.35%

MCLR W.E.F. 01-11-2026
MCLR TENOR	Existing w.e.f. 01.10.2026	Revised w.e.f. 01.11.2026
Overnight	8.00%	8.10%
One month	8.25%	8.35%
Three month	8.50%	8.60%
Six month	8.65%	8.75%
One year	8.80%	8.90%
Three years	9.10%	9.20%

Base Rate
Existing w.e.f.01-04-2026	Revised w.e.f.01-07-2026
9.50%	9.50%

Rate summary (starting rates)

Housing Loan / Home Loan (Utsav Campaign 01.10.2026-31.12.2026)

7.45% p.a. onwards

Floating RLLR+BSP-0.90% (7.45%) for 800+ above Rs30L; 750+/PNB Pride 7.50%; 700-749 8.05%; 600-699 9.25%. Up to Rs30L (LTV 80-90%): 7.60%-9.35%. Fixed 8.45%-10.85%.

Fixed: 8.45%+ (tenure up to 10 yrs), 8.95%+ (above 10 yrs); rate depends on CIBIL, loan size and LTV.

Home Loan (CRE Category) (Utsav Campaign)

7.95% p.a. onwards

Floating RLLR+BSP-0.40% (7.95%) for 800+ above Rs30L; 750+/PNB Pride 8.00%; 700-749 8.55%; 600-699 9.75%. Up to Rs30L (LTV 80-90%): 8.10%-9.85%. Fixed 8.95%-11.35%.

Campaign rates valid 01.10.2026 to 31.12.2026; fixed rate higher for tenure above 10 years.

Home Loan (TL PNB Max Saver) (Utsav Campaign)

7.60% p.a. onwards

Floating RLLR+BSP-0.75% (7.60%) for 800+ above Rs30L; 750+/PNB Pride 7.65%; 700-749 8.20%; 600-699 9.40%. Up to Rs30L (LTV 80-90%): 7.75%-9.50%. Fixed 8.60%-11.00%.

Campaign rates valid 01.10.2026 to 31.12.2026; rate depends on CIBIL, loan size and LTV.

Home Loan (OD PNB Max Saver) (Utsav Campaign)

7.60% p.a. onwards

RLLR+BSP-0.75% (7.60%) for 800+ above Rs30L; 750+/PNB Pride 7.65%; 700-749 8.20%; 600-699 9.40%. Up to Rs30L (LTV 80-90%): 7.75%-9.50%. Fixed 8.60%-11.00%.

Overdraft variant; campaign rates valid 01.10.2026 to 31.12.2026.

Housing Loan (existing/fresh Home Loan vs Non-Home Loan borrower)

7.50% p.a. onwards

Floating, existing/fresh HL borrower: 800+ 7.50%, 750-799 7.55%, 700-749 8.00%, 681-699 9.10%. Non-HL borrower: 8.50%/8.55%/9.00%/10.10%. Fixed 8.50%-11.10%.

Rates differ for existing/fresh Home Loan borrower vs Non-Home Loan borrower.

Top-up Loan (Term Loan / Overdraft)

8.60% p.a. onwards

Floating, irrespective of CIC score: Term Loan RLLR+BSP+0.25% (8.60%), up to 10 yrs 9.60%, above 10 yrs 10.10%; Overdraft RLLR+BSP+1.25% (9.60%), 10.60%/11.10%.

ROI is irrespective of CIC score.

Car Loan (New Car)

7.85% p.a. onwards

Floating: 750+/Women/PNB Pride/Corporate 7.90% (e-vehicle 7.85%); 700-749 8.95% (e-vehicle 8.90%); 681-699 9.95% (e-vehicle 9.90%). Fixed 8.85%-10.95%.

Women, PNB Pride, Corporate and Insta Vehicle Loan borrowers get best rate irrespective of CIC score.

Car Loan (Old Car)

9.70% p.a. onwards

Floating: 750+/Women/PNB Pride/Corporate RLLR+BSP+1.35% i.e. 9.70%; 700-749 10.30%; 681-699 10.80%. Fixed 10.70%, 11.30%, 11.80% respectively.

Women, PNB Pride and Corporate borrowers get 9.70% irrespective of CIC score.

Education Loan - PNB Saraswati (Study in India)

8.35% p.a. onwards

Above Rs7.5L for MBBS/MD/MS/PG: RLLR+BSP 8.35%. Other (100% collateral): 9.60% (female 9.10%); up to Rs7.5L (CGFSEL) 10.35% (female 9.85%). Fixed 10.10%-11.85%.

8.35% needs minimum 100% collateral security.

Education Loan - PNB Pratibha (Premier Institutes)

7.20% p.a. onwards

Above Rs7.5L: IIMs/IITs/ISB RLLR+BSP-1.15% (7.20%); NITs & FMS-Delhi 7.50%; other Pratibha institutes 8.10%. Fixed 8.20%-9.60%.

For IIMs/IITs not covered under PM Vidya Laxmi Scheme.

Education Loan - PM Vidyalaxmi (1441 QHEIs)

7.10% p.a. onwards

RLLR+BSP-1.25% (7.10%) for IIMs/IITs etc.; NITs etc. 7.30%; AA institutes 7.45%-8.20%; A category (1118 institutes) 8.85%.

Rate depends on institute category (AAA, AA, A).

Education Loan - PNB Udaan (Study Abroad)

8.35% p.a. onwards

Floating RLLR+BSP 8.35% for top 50 institutes and MBBS/MD/MS/PG above Rs7.5L; other loans 9.60% (female 9.10%); up to Rs7.5L (CGFSEL) 10.35% (female 9.85%).

8.35% needs minimum 100% collateral security.

Education Loan - PNB Kaushal (Vocational Courses)

9.35% p.a. onwards

Floating RLLR+BSP+1.50% (9.85%); female student RLLR+BSP+1.00% (9.35%).

Loan up to Rs7.50 lakh covered under CGFSSD.

Education Loan - PM CARES Education Loan Scheme

8.60% p.a. onwards

Floating RLLR+BSP+0.25% (8.60%); fixed 9.60% (up to 10 yrs) / 10.10% (above 10 yrs).

Loans irrespective of amount need 100% tangible collateral and/or liquid security.

Education Loan - PNB Honhaar

10.35% p.a. onwards

Floating RLLR+BSP+2.00% (presently 10.35%).

Single floating rate.

Education Loan - Concessional for PwDs (NDFDC)

4.00% p.a. onwards

Fixed 4% for loan up to Rs50.00 lakhs.

Concessional loan to Persons with Disabilities under NDFDC MoA.

PNB Baghban (Reverse Mortgage for Senior Citizens)

11.10% p.a. onwards

Floating RLLR+BSP+2.75% (presently 11.10%); fixed 12.10%.

For house-owning senior citizens under reverse mortgage.

Earnest Money Deposit (EMD) Scheme

8.60% p.a. onwards

RLLR+BSP+0.25% (presently 8.60%).

Single rate based on RLLR.

PNB Sahyog Rin - Personal Loan Scheme for Public

10.50% p.a. onwards

Floating: Defence/Para-military 10.50% (fixed 11.50%); Govt employees 10.85%-13.35%; corporate/other employees 11.85%-15.35%; check-off employees 13.35%-16.05%. Fixed = floating +1%.

Rate varies by borrower category and CIBIL; lowest for defence/para-military salary customers.

Digital Personal Loan (PAPL)

10.85% p.a. onwards

Floating: CIBIL 800+ RLLR+BSP+2.50% (10.85%); 750-799 11.85%; 700-749 12.85%. Pensioners (680+) 10.85%. Fixed 11.85%-13.85%.

700-749 band not applicable for PAPL to private employees.

Digital Personal Loan to NTB customers - PNB Swaagat

10.85% p.a. onwards

Floating: 800+ RLLR+BSP+2.50% (10.85%); 750-799 11.85%; 700-749 (incl. -1/0/no hit) 12.85%. Fixed 11.85%, 12.85%, 13.85%.

For new-to-bank customers; rate based on CIC score.

PAPL to fully repaid Home/Car/Education/Personal Loan borrowers

10.85% p.a. onwards

Floating: CIBIL 800+ RLLR+BSP+2.50% (10.85%); 750-799 RLLR+BSP+3.50% (11.85%). Fixed 11.85% and 12.85%.

For borrowers who have fully repaid earlier loans.

Personal Loan Scheme for Pensioners

10.85% p.a. onwards

Floating RLLR+BSP+2.50% (presently 10.85%); fixed 11.85%. Applies to Demand Loan/Term Loan/Overdraft.

Header says starting 10.60%, table shows 10.85% floating.

Personal Loan Scheme for LIC Employees

8.85% p.a. onwards

Floating RLLR+BSP (presently 8.85%) with salary account (fixed 9.35%); without salary account RLLR+BSP+0.50% (presently 8.85%), fixed 9.85%.

Table shows 8.85% for both floating categories as given.

Two-Wheeler Loan - PNB Saarthi & PNB Power Ride

10.25% p.a. onwards

Floating: PNB Power Ride RLLR+BSP+1.90% (10.25%); salaried RLLR+BSP+2.75% (11.10%); others/business RLLR+BSP+3.25% (11.60%). Fixed 11.25%, 12.10%, 12.60%.

Section header says starting 11.10%, but table shows PNB Power Ride at 10.25%.

Mortgage/Property Loan - security up to 200% of loan

9.40% p.a. onwards

Floating TL: 800+ 9.40%, 750-799 9.65%, 700-749 10.20%, 681-699 11.70%. OD is 0.50% higher (9.90%-12.20%). Fixed TL 10.40%-13.20%, OD 10.90%-13.70%.

Fixed rate +0.50% for tenure above 10 years; OD higher than TL.

Mortgage/Property Loan - realizable value above 200% of loan

9.20% p.a. onwards

Floating TL: 800+ 9.20%, 750-799 9.45%, 700-749 10.00%, 681-699 11.50%. OD is 0.50% higher (9.70%-12.00%). Fixed TL 10.20%-13.00%, OD 10.70%-13.50%.

0.20% lower than the up-to-200% security slab; OD costs 0.50% more than TL.

Scheme features

Housing Loan

Loan amount	Need-based; plot purchase/repairs up to Rs.100 lac; furnishing within 25% of loan or Rs.100 lac
Repayment period	Up to 30 years (incl. moratorium); up to 15 years for repairs/renovation
Margin	Up to Rs.30 lac: 20%/10%#; Rs.30–75 lac: 20%; above Rs.75 lac: 25%; plot purchase: 25%
Eligibility	Individuals/co-borrowers with assured regular income (salaried, professionals, self-employed, businessmen, farmers); staff eligible under public scheme
Highlights	Security by mortgage of property; moratorium up to 18 months for construction; income of spouse/earning children can be clubbed; composite plot+construction loan available

Car Loan

Loan amount	Individuals: up to 25x gross monthly salary/income, ceiling Rs 100 lakh; Business concerns: no ceiling
Repayment period	New car/van/jeep/MUV/SUV: 84 EMIs; Old car/van/jeep/MUV/SUV: 60 EMIs
Margin	New vehicle: 15% of on-road price; PNB tie-up cars: 10% of on-road price or nil on ex-showroom; Old vehicles: 25% of value
Processing fee	Processing charges: Click Here (not stated on page)
Eligibility	Private use; min net monthly income Rs 25,000 (not required with 110% liquid TD security); business firms in cash profit for last two years
Highlights	No prepayment charges on floating rate loans; income of parents/spouse/earning children can be added; reimbursement of own-funds car purchase

Personal Loan

Loan amount	Salaried: up to 24x gross monthly salary, max Rs.20.00 lakh; Self-employed: 10x avg gross monthly income (2 yrs), max Rs.5.00 lakh
Repayment period	Salaried: max 72 EMIs (60 for defence personnel); Self-employed: max 60 EMIs or up to age 65, whichever earlier
Margin	Nil
Eligibility	Salaried: confirmed/permanent staff with min 2 yrs service drawing salary from the Bank; Self-employed: listed professionals, GAI Rs.6 lakh, CIC 750+
Highlights	No margin, nil prepayment charges; salaried loans for personal needs; self-employed scheme initially in metro/urban branches only

Education Loan

Loan amount	Need-based, max up to eligible expenses; list of institutions with max loan amount available via download (amounts not in text)
Repayment period	Maximum 15 years (EMIs)
Margin	NIL for AAA/AA institutes; for A-rated institutes: up to Rs 4 lakh NIL, above Rs 4 lakh 5%; other institutes: up to Rs 4 lakh NIL, above Rs 4 lakh 5%
Processing fee	Processing/documentation charges NIL
Eligibility	Resident Indian/NRI/PIO; study in India in graduation/post-graduation degree or diploma courses of 1441 QHEIs via merit channel
Highlights	Collateral-free, paperless digital end-to-end journey (web/tab) under PNB Vidyalaxmi; moratorium = course period + 1 year

Gold Loan

Loan amount	Min Rs 25,000 / Max Rs 25,00,000 per borrower (Retail Segment)
Repayment period	Demand loan bullet up to 12 months; EMI-based up to 36 months
Margin	Bullet (DL) 32%; Term loan (EMI) 28%
Processing fee	Up to Rs 50,000: NIL; above Rs 50,000 to Rs 2 lakh: Rs 500 + GST; above Rs 2 lakh: 0.30% of loan amount + GST or Rs 500 + GST, whichever is higher
Eligibility	Individual resident of India; existing customers or new-to-bank (NTB) customers; loan against gold jewellery/ornaments/coins
Highlights	Documentation charge NIL; disbursed digitally to operative account; no loan against bullion, primary or smuggled gold; roi not stated on page for retail segment (only RLLR-linked rates: RLLR +0.90% up to Rs 10 lakh, RLLR +0.95% above Rs 10 lakh)

Loan against Property (my Property)

Loan amount	Min Rs. 2.00 lakh; Max Rs. 500.00 lakh
Repayment period	Term Loan: 180 months or up to age 70, whichever is earlier; Overdraft: 15 years or up to age 70, whichever is earlier
Margin	Loan limited to 65% of realizable value of property, or 36x gross monthly salary (salaried) / 36x avg. monthly income of last 3 ITRs (non-salaried), whichever is lower
Processing fee	Upfront fee not stated (page says 'Click Here'); Prepayment charges NIL; Documentation charges not stated
Eligibility	Individual or joint owners; min net monthly salary Rs.25,000 (salaried) or min net annual income Rs.3,00,000 (other); mortgageable property with 25+ yrs residual life
Highlights	No prepayment charges; loan for personal purposes (not speculative/real estate investment); mortgage of self-occupied residential/commercial/industrial property

Two Wheeler (Power Ride, women)

Loan amount	–
Repayment period	–
Margin	–
Processing fee	–
Eligibility	–
Highlights	Page is an RBI Retail Direct redirect notice for G-Sec investing, not a two-wheeler loan scheme; no Power Ride details given

Full official rate tables

HOUSING LOAN/HOME LOAN ROI STARTING FROM 7.45% p.a. (During RETAIL LOAN CAMPAIGN – “PNB UTSAV FESTIVITIES 2026” CELEBRATE DREAMS, CELEBRATE

PARAMETER	CIBIL TU or equivalent	Floating ROI	Fixed ROI
PARAMETER	CIBIL TU or equivalent	ROI	Tenure upto 10 years	Tenure above 10 years
For loan above Rs. 30 lacs LTV Ratio &	800 & above	RLLR+BSP-0.90% (presently 7.45% p.a.)	8.45%	8.95%
Irrespective of Loan Amount LTV Ratio &	PNB Pride*	RLLR+BSP-0.85% (presently 7.50% p.a.)	8.50%	9.00%
	750 and above	RLLR+BSP-0.85% (presently 7.50% p.a.)	8.50%	9.0%
	700-749	RLLR+BSP-0.30% (presently 8.05% p.a.)	9.05%	9.55%
	600-699	RLLR+BSP+ 0.90% (presently 9.25% p.a.)	10.25%	10.75%
Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90%	PNB Pride*	RLLR+BSP-0.75% (presently 7.60% p.a.)	8.60%	9.10%
	750 and above	RLLR+BSP-0.75% (presently 7.60% p.a.)	8.60%	9.10%
	700-749	RLLR+BSP-0.20% (presently 8.15% p.a.)	9.15%	9.65%
	600-699	RLLR+BSP+ 1.00% (presently 9.35% p.a.)	10.35%	10.85%

HOME LOAN (CRE CATEGORY) ROI STARTING FROM 7.95% P.A. (During RETAIL LOAN CAMPAIGN – “PNB UTSAV FESTIVITIES 2026” CELEBRATE DREAMS, CELEBRAT

Parameter	CIBIL TU or equivalent	Floating ROI	Fixed ROI
Parameter	CIBIL TU or equivalent	ROI	Tenure upto 10 years	Tenure above 10 years
For loan above Rs. 30 lacs LTV Ratio &	800 & above	RLLR+BSP-0.40% (presently 7.95%)	8.95%	9.45%
Irrespective of Loan Amount LTV Ratio &	PNB Pride*	RLLR+BSP-0.35% (presently 8.00%)	9.00%	9.50%
	750 and above	RLLR+BSP-0.35% (presently 8.00%)	9.00%	9.50%
	700-749	RLLR+BSP+0.20% (presently 8.55%)	9.55%	10.05%
	600-699	RLLR+BSP+ 1.40% (presently 9.75%)	10.75%	11.25%
Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90%	PNB Pride*	RLLR+BSP-0.25% (presently 8.10%)	9.10%	9.60%
	750 and above	RLLR+BSP-0.25% (presently 8.10%)	9.10%	9.60%
	700-749	RLLR+BSP+0.30% (presently 8.65%)	9.65%	10.15%
	600-699	RLLR+BSP+ 1.50% (presently 9.85%)	10.85%	11.35%

HOME LOAN (TL PNB MAX SAVER) STARTING FROM 7.60% P.A. (During RETAIL LOAN CAMPAIGN – “PNB UTSAV FESTIVITIES 2026” CELEBRATE DREAMS, CELEBRAT

Parameter	CIBIL TU or equivalent	Floating ROI	Fixed ROI
Parameter	CIBIL TU or equivalent	ROI	Tenure upto 10 years	Tenure above 10 years
For loan above Rs. 30 lacs LTV Ratio &	800 & above	RLLR+BSP-0.75% (presently 7.60%)	8.60%	9.10%
Irrespective of Loan Amount LTV Ratio &	PNB Pride*	RLLR+BSP-0.70% (presently 7.65%)	8.65%	9.15%
	750 and above	RLLR+BSP-0.70% (presently 7.65%)	8.65%	9.15%
	700-749	RLLR+BSP-0.15% (presently 8.20%)	9.20%	9.70%
	600-699	RLLR+BSP+ 1.05% (presently 9.40%)	10.40%	10.90%
Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90%	PNB Pride*	RLLR+BSP-0.60% (presently 7.75%)	8.75%	9.25%
	750 and above	RLLR+BSP-0.60% (presently 7.75%)	8.75%	9.25%
	700-749	RLLR+BSP-0.05% (presently 8.30%)	9.30%	9.80%
	600-699	RLLR+BSP+ 1.15% (presently 9.50%)	10.50%	11.00%

HOME LOAN (OD PNB MAX SAVER) STARTING FROM 7.60% P.A. (During RETAIL LOAN CAMPAIGN – “PNB UTSAV FESTIVITIES 2026” CELEBRATE DREAMS, CELEBRAT

Parameter	CIBIL TU or equivalent	Fixed
Parameter	CIBIL TU or equivalent	ROI	Tenure upto 10 years	Tenure above 10 years
For loan above Rs. 30 lacs LTV Ratio &	800 & above	RLLR+BSP-0.75% (presently 7.60%)	8.60%	9.10%
Irrespective of Loan Amount LTV Ratio &	PNB Pride*	RLLR+BSP-0.70% (presently 7.65%)	8.65%	9.15%
	750 and above	RLLR+BSP-0.70% (presently 7.65%)	8.65%	9.15%
	700-749	RLLR+BSP-0.15% (presently 8.20%)	9.20%	9.70%
	600-699	RLLR+BSP+ 1.05% (presently 9.40%)	10.40%	10.90%
Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90%	PNB Pride*	RLLR+BSP-0.60% (presently 7.75%)	8.75%	9.25%
	750 and above	RLLR+BSP-0.60% (presently 7.75%)	8.75%	9.25%
	700-749	RLLR+BSP-0.05% (presently 8.30%)	9.30%	9.80%
	600-699	RLLR+BSP+1.15% (presently 9.50%)	10.50%	11.00%

2.1. Under Floating option:

CIBIL TU or equivalent	ROI for existing/ fresh Home Loan Borrower	ROI for Non-Home Loan Borrower
800 and above	RLLR+BSP-0.85% (presently 7.50% p.a.)	RLLR+BSP+0.15% (presently 8.50% p.a.)
750 to 799 (including -1/0/ No hit/ Nil)	RLLR+BSP-0.80% (presently 7.55% p.a.)	RLLR+BSP+0.20% (presently 8.55% p.a.)
700 to 749	RLLR+BSP-0.35% (presently 8.00% p.a.)	RLLR+BSP+0.65% (presently 9.00% p.a.)
681 to 699	RLLR+BSP+0.75% (presently 9.10% p.a.)	RLLR+BSP+1.75% (presently 10.10% p.a.)

Under Fixed option:

CIBIL TU or equivalent	ROI for existing/ fresh Home Loan Borrower	ROI for Non-Home Loan Borrower
800 and above	8.50% p.a.	9.50% p.a.
750 to 799 (including -1/0/ No hit/ Nil)	8.55% p.a.	9.55% p.a.
700 to 749	9.00% p.a.	10.00% p.a.
681 to 699	10.10% p.a.	11.10% p.a.

Other Terms & Conditions

TOP-UP LOAN- OVERDRFT/ TERM LOAN	Type	Floating ROI	Floating ROI
TOP-UP LOAN- OVERDRFT/ TERM LOAN	Type	Floating ROI	Tenure upto 10 years	Tenure above 10 years
ROI Irrespective of CIC Score	Term Loan	RLLR+BSP+ 0.25% (Presently 8.60%)	9.60%	10.10%
ROI Irrespective of CIC Score	Overdraft	RLLR+BSP+ 1.25% (Presently 9.60%)	10.60%	11.10%

2.1 CAR LOAN (New Car) ROI STARTING FROM 7.80% p.a

Scheme/ Borrower Type	CIBIL TU or equivalent	Car Loan (other than e-vehicle)	Car Loan (e-vehicle)	Car Loan (other than e-vehicle)	Car Loan (e-vehicle)
Scheme/ Borrower Type	CIBIL TU or equivalent	ROI	ROI	Car Loan (other than e-vehicle)	Car Loan (e-vehicle)
Women	Irrespective of CICs Score	RLLR+ BSP-0.45% i.e. 7.90% p.a. (Presently)	RLLR+ BSP-0.50% i.e. 7.85% p.a. (Presently)
PNB PRIDE*				8.90%	8.85%
Corporate#
Insta Vehicle Loan Scheme for existing home loan borrower (New Car Only)
Others Individual	750 & above	RLLR+ BSP-0.45% i.e. 7.90% p.a. (Presently)	RLLR+ BSP-0.50% i.e. 7.85% p.a. (Presently)	8.90%	8.85%
	700 and up to 749	RLLR+ BSP +0.60% i.e.8.95 % p.a. (Presently)	RLLR+ BSP+0.55% i.e.8.90 % p.a. (Presently)	9.95%	9.90%
	681 to less than 700	RLLR+ BSP+ 1.60% i.e. 9.95% p.a.	RLLR+ BSP+ 1.55% i.e. 9.90% p.a.	10.95%	10.90%

2.2 CAR LOAN (Old Car) ROI STARTING FROM 9.65% p.a.

Scheme/ Borrower Type	CIBIL TU or equivalent	Rate of Interest with Interest table Codes
		Floating	Fixed
		Car Loan (other than e-vehicle)	Car Loan (other than e-vehicle)
Women	Irrespective of CICs Score	RLLR+ BSP+1.35% i.e. 9.70% p.a.	10.70%
PNB PRIDE*
Corporate#
Insta Vehicle Loan Scheme for existing home loan borrower (New Car Only)
Others Individual	750 & above	RLLR+ BSP+1.35% i.e. 9.70% p.a.	10.70%
	700 and up to 749	RLLR+ BSP+1.95% i.e. 10.30% p.a.	11.30%
	681 to less than 700	RLLR+ BSP+ 2.45% i.e. 10.80% p.a.	11.80%

EDUCATION LOAN FOR STUDY IN INDIA: PNB SARASWATI ROI STARTING FROM 8.35% p.a.

Parameter	ROI (p.a.
Loan amount above Rs. 7.5 Lakhs for pursuing MBBS/MD/MS/PG (in medical after completing MBBS) (where minimum 100% collateral security is available)	RLLR + BSP i.e. 8.35% p.a.

Parameter ROI (p.a. Loan amount above Rs. 7.5 Lakhs for pursuing MBBS/MD/MS/PG (in medical after completing MBBS) (where minimum 100% collat

Parameter	Rate of Interest (Other than Female Student)			Rate Of Interest (Female Student)
	Floating	Fixed		Floating	Fixed
	Floating	For Loan upto 10 years	For Loan above 10 years	Floating	For Loan upto 10 years	For Loan above 10 years
Loan irrespective of amount (where minimum 100% collateral security is available)	RLLR+BSP+ 1.25% (Presently 9.60 %)	10.60%	11.10%	RLLR+BSP+ 0.75% (Presently 9.10%)	10.10%	10.60%
Loan upto Rs.7.50 lakhs (covered under CGFSEL Scheme)	RLLR+BSP+2.00% (Presently 10.35%)	11.35%	11.85%	RLLR+BSP+ 1.50% (Presently 9.85%)	10.85%	11.35%

EDUCATION LOAN FOR STUDIES IN PREMIER INSTITUTE : PNB PRATIBHA ROI STARTING FROM 7.20% p.a.

Parameter	Rate Of Interest Based On RLLR
	Floating	Fixed
	Floating	For Loan upto 10 years	For Loan above 10 years
Loan amount above Rs.7.50 lakhs Student getting admission in IIMs & IITs (which are not covered under PM Vidya Laxmi Scheme), ISB Hyderabad, ISB Mohali	RLLR + BSP – 1.15% (Presently 7.20%)	8.20%	8.70%
Loan amount above Rs.7.50 lakhs Student getting admission in NIT’s (which are not covered under PM Vidya Laxmi Scheme) & FMS-Delhi.	RLLR + BSP – 0.85% (Presently 7.50%)	8.50%	9.00%
Loan amount above Rs.7.50 lakhs Student getting admission in other than above mentioned institutes listed under PNB PRATIBHA Scheme	RLLR + BSP – 0.25% (Presently 8.10%)	9.10%	9.60%

EDUCATION LOAN FOR STUDY IN 1441 QHEIs: PM VIDYALAXMI ROI STARTING FROM 7.10% p.a.

Category of Institute		Rate of Interest
AAA	IIMs (22), IITs (23), IIFT Delhi, XIM University, BITS Pilani, MDI Gurgoan & XLRI Jamshedpur.	RLLR + BSP -1.25% (Presently 7.10%)
AAA	NITs (31), MICA Ahmedabad, S. P. Jain Institute of Management and Research, SVKM`s Narsee Monjee Institute of Management Studies, Symbiosis Institute of Business Management, IMT & BITS Pilani (Mumbai,Goa & Hyderabad Campus) IIIT Bangalore & IIFT KOLKATA	RLLR + BSP -1.05% (Presently 7.30%)
AA	IIIT Bhagalpur, IIIT Ranchi, IIIT Dharwad, IIIT Srirangam, Bharathidasan Institute of Management (NIRF Code (N-4)), Birla Institute of Technology Ranchi & Indian Institute of Information Technology, Dharwad	RLLR + BSP - 0.90% (Presently 7.45%)
AA	Indian Institute of Information Technology Vadodara & Indian Institute of Information Technology Vadodara International Campus DIU)	RLLR + BSP - 0.85% (Presently 7.50%)
AA	Nirma University, Ahmedabad, Gujarat & 08 Constituent colleges	RLLR + BSP - 0.75% (Presently 7.60%)
AA	214 other Institutes	RLLR + BSP - 0.15% (Presently 8.20%)
A	1118 other Institutes	RLLR + BSP - 0.50% (Presently 8.85%)

EDUCATION LOAN FOR STUDY ABROAD: PNB UDAAN ROI STARTING FROM 8.35% p.a.

Parameter	Floating ROI
Loan amount above Rs. 7.5 Lakhs for pursuing MBBS/MD/MS/PG (in medical after completing MBBS) (where minimum 100% collateral security is available)	RLLR+BSP (Presently 8.35%)

Parameter Floating ROI Loan amount above Rs. 7.5 Lakhs for pursuing MBBS/MD/MS/PG (in medical after completing MBBS) (where minimum 100% col

Parameter	Rate of Interest(Other than Female Student)			Rate Of Interest(Female Student)
	Floating	Fixed		Floating	Fixed
	Floating	For Loan upto 10 years	For Loan above 10 years	Floating	For Loan upto 10 years	For Loan above 10 years
Loan irrespective of amount to student getting admission into top 50 institutes (where minimum 100% collateral security is available)	RLLR+BSP (Presently 8.35%)	9.35 %	9.85%	RLLR+BSP (Presently 8.35%)	9.35 %	9.85%
Loan irrespective of amount (where minimum 100% collateral security is available)	RLLR+BSP+1.25% (Presently 9.60%)	10.60%	11.10%	RLLR+BSP+0.75% (Presently 9.10%)	10.10%	10.60%
Loan upto Rs.7.50 lakhs (covered under CGFSEL Scheme)	RLLR+BSP+2.00% (Presently 10.35%)	11.35 %	11.85%	RLLR+BSP+1.50% (Presently 9.85%)	10.85%	11.35%

EDUCATION LOAN FOR VOCATIONAL COURSES: PNB KAUSHAL ROI STARTING FROM 9.85% p.a.

Parameter	Floating ROI
Loan up to Rs. 7.50 lakh(Covered under CGFSSD)	RLLR+BSP + 1.50% (Presently 9.85%)
Loan up to Rs. 7.50 lakh (Covered under CGFSSD) to female student	RLLR+BSP + 1.00% (Presently 9.35%)

EDUCATION LOAN: PM CARES EDUCATION LOAN SCHEME STARTING FROM 8.60% p.a.

Parameter	Floating ROI	Fixed ROI
Parameter	Floating ROI	For Loan upto 10 years	For Loan above 10 years
Loan up to Rs. 7.50 lakh (covered under CGFSEL Scheme)	RLLR+BSP + 0.25% (Presently 8.60%)	9.60%	10.10%
Loans irrespective of amount (where 100% tangible collateral security in the shape of IP, enforceable under SARFAESI Act, and/or liquid security is available)	RLLR+BSP + 0.25% (Presently 8.60%)	9.60%	10.10%

EDUCATION LOAN: PNB HONHAAR ROI STARTING FROM 10.35% p.a.

Floating ROI
RLLR+BSP+2.00% (Presently 10.35%)

Education Loan Scheme - Concessional Education Loans to Persons with Disabilities (PwDs) - Memorandum of Agreement with National Divyangjan

S.No	Loan Amount (Rs. In Lakhs)	Applicable Rate Of Interest To PwDs (%)
1	Upto Rs. 50.00 Lakhs	4%

PNB BAGHBAN- A SCHEME FOR HOUSE OWNING SENIOR CITIZENS OF INDIA UNDER ‘REVERSE MORTGAGE CONCEPT’

Rate of Interest Based on RLLR	Fixed ROI
RLLR+BSP+2.75% (Presently 11.10%)	12.10%

EARNEST MONEY DEPOSIT (EMD) SCHEME

Rate of Interest Based on RLLR
RLLR+BSP+0.25% (Presently 8.60%)

7. PNB SAHYOG RIN – PERSONAL LOAN SCHEME FOR PUBLIC ROI STAERTING FROM 10.50% p.a.

Sr. No.	Type	CIBIL TU or Equivalent	Rate of Interest with Interest table codes
			Floating		Fixed
			TL	OD	TL	OD
A	Loan to Defence/ Para Military Personals drawing salaries through our Bank including customers covered under Rakshak Plus scheme	Not applicable	RLLR+BSP+ 2.15% (Presently 10.50%)	RLLR+BSP+ 2.15% (Presently 10.50 %)	11.50%	11.50%
B	a. Loan to Govt. Employees drawing salaries through our Bank b. Loan to Central Government gazetted officer (Section Officer or equivalent and above) not having salary account with us.	>= 800	RLLR+BSP+ 2.50% (Presently 10.85%)	RLLR+BSP+ 2.50% (Presently 10.85%)	11.85%	11.85%
		>=750 less than 800 Or With Nil credit history (i,e -1 or 0)	RLLR+BSP+ 3.50% (Presently 11.85%)	RLLR+BSP+ 3.50% (Presently 11.85%)	12.85%	12.85%
		681 to 749	RLLR+BSP+ 4.50% (Presently 12.85%)	RLLR+BSP+ 4.50% (Presently 12.85%)	13.85%	13.85%
		Score less than 681	RLLR+BSP+ 5.00% (Presently 13.35%)	RLLR+BSP+ 5.00% (Presently 13.35%)	14.35%	14.35%
C	a. Loan to Corporate/other Employees drawing salaries through our Bank. b. Loan to Govt. Employees not drawing salary with our bank	Score >= 800	RLLR+BSP+ 3.50% (Presently 11.85%)	RLLR+BSP+ 3.50% (Presently 11.85%)	12.85%	12.85%
		>=750 less than 800 Or With Nil credit history (i,e -1 or 0)	RLLR+BSP+ 4.50% (Presently 12.85%)	RLLR+BSP+ 4.50% (Presently 12.85%)	13.85%	13.85%
		681 to 749	RLLR+BSP+ 6.50% (Presently 14.85%)	RLLR+BSP+ 6.50% (Presently 14.85%)	15.85%	15.85%
		Score less than 681	RLLR+BSP+ 7.00% (Presently 15.35%)	RLLR+BSP+ 7.00% (Presently 15.35%)	16.35%	16.35%
D	Loan to employees under check off facility	>= 800	RLLR+BSP+ 5.00% (Presently 13.35%)	RLLR+BSP+ 5.00% (Presently 13.35%)	14.35%	14.35%
		>=750 less than 800 Or With Nil credit history (i,e -1 or 0)	RLLR+BSP+ 5.50% (Presently 13.85%)	RLLR+BSP+ 5.50% (Presently 13.85%)	14.85%	14.85%
		681 to 749	RLLR+BSP+ 7.20% (Presently 15.55%)	RLLR+BSP+ 7.20% (Presently 15.55%)	16.55%	16.55%
		Score less than 681	RLLR+BSP+ 7.70% (Presently 16.05%)	RLLR+BSP+ 7.70% (Presently 16.05%)	17.05%	17.05%

DIGITAL PERSONAL LOAN – PERSONAL LOAN SCHEME

Scheme	CIBIL TU or equivalent	Rate of Interest with Interest Table Codes
Scheme	CIBIL TU or equivalent	Floating	Fixed
PAPL to (Central Govt./ State Govt./ PSU/Pvt. Employees)	>=800	RLLR+BSP+2.50% (Presently 10.85%)	11.85%
	>=750 less than 800 Or With Nil credit history (i,e -1 or 0)	RLLR+BSP+3.50% (Presently 11.85%)	12.85%
	700 to 749 (not applicable for PAPL to Pvt. Employees)	RLLR+BSP+4.50% (Presently 12.85%)	13.85%
PAPL to pensioners	>= 680	RLLR+BSP+2.50% (Presently 10.85%))	11.85%
PAPL to existing customer on the basis of QAB & TRV	>= 800	RLLR+BSP+2.50% (Presently 10.85%)	11.85%
PAPL to existing customer on the basis of QAB & TRV	>=750 less than 800	RLLR+BSP+4.50% (Presently 12.85%)	13.85%
PAPL to existing Car Loan, Home Loan and Personal Loan borrower	>=800	RLLR+BSP+2.50% (Presently 10.85%)	11.85%
	CIC>=750 less than 800	RLLR+BSP+3.50% (Presently 11.85%)	12.85%

Digital Personal loan to NTB customers PNB SWAAGAT

CIC Score	Existing Under Floating Option	Proposed Under Fixed Option
>=800 (CIBIL) or equivalent	RLLR+BSP+2.50% (Presently 10.85%)	11.85%
750 to 799 (CIBIL) or equivalent	RLLR+BSP+3.50% (Presently 11.85%)	12.85%
700 to 749 (CIBIL) or equivalent including -1/0/no hit/Nil	RLLR+BSP+4.50% (Presently 12.85%)	13.85%

PAPL to fully repaid home loan/ car loan/ education loan/ personal loan borrowers

CIBIL TU or equivalent	Rate of Interest
CIBIL TU or equivalent	Existing Under Floating Option	Proposed Under Fixed Option
>=800	RLLR+BSP+2.50% (presently 10.85%)	11.85%
CIC>=750 less than 800	RLLR+BSP+3.50% (Presently 11.85%)	12.85%

8. PERSONAL LOAN SCHEME FOR PENSIONERS ROI STRATING FROM 10.60% p.a.

Loan Type	Floating ROI	Fixed ROI
Demand Loan/ Term Loan/ Overdraft	RLLR+BSP+ 2.50% (Presently 10.85%)	11.85%

9. PERSONAL LOAN SCHEME TO LIC EMPLOYEES

Loan Type	Floating	Fixed
LIC employees having salary account with us	RLLR+BSP (Presently 8.85%)	9.35%
LIC employees not having salary account with us	RLLR+BSP+ 0.50% (Presently 8.85%)	9.85%

10. TWO – WHEELERS LOAN - PNB SAARTHI & PNB POWER RIDE– ROI STARTING FROM 11.10% p.a.

Name of the Scheme	Floating ROI	Fixed ROI
Salaried Person	RLLR+BSP + 2.75% (Presently 11.10%)	12.10%
Others including business concern	RLLR+BSP + 3.25% (Presently 11.60%)	12.60%
PNB POWER RIDE	RLLR+BSP + 1.90% (Presently 10.25%)	11.25%

11 A. When Security is upto 200% of Loan amount

Based on CIC Score of the Borrower	Rate of Interest
	Floating	Fixed
	Floating	TL		OD
	TL	OD	For Loan upto 10 years	For Loan above 10 years	For Loan upto 10 years	For Loan above 10 years
Above 800	RLLR+BSP+1.05% (Presently 9.40%)	RLLR+BSP+1.55% (Presently 9.90%)	10.40%	10.90%	10.90%	11.40%
CIC Score 750 & & upto 799	RLLR+BSP+1.30% (Presently 9.65%)	RLLR+BSP+1.80% (Presently 10.15%)	10.65%	11.15%	11.15%	11.65%
CIC Score 700 and up to 749	RLLR+BSP+1.85% (Presently 10.20%)	RLLR+BSP+2.35% (Presently 10.70%)	11.20%	11.70%	11.70%	12.20%
681-699	RLLR+BSP+3.35% (Presently 11.70%)	RLLR+BSP+3.85% (Presently 12.20%)	12.70 %	13.20 %	13.20%	13.70%

11. b. Realizable value of property above 200% of loan amount

Based on CIC Score of the Borrower	Rate of Interest
	Floating	Fixed
	Floating	TL		OD
	TL	OD	For Loan upto 10 years	For Loan above 10 years	For Loan upto 10 years	For Loan above 10 years
Above 800	RLLR+BSP+0.85% (Presently 9.20%)	RLLR+BSP+1.35% (Presently 9.70%)	10.20%	10.70%	10.70%	11.20%
CIC Score 750 & upto 799	RLLR+BSP+1.10% (Presently 9.45%)	RLLR+BSP+1.60% (Presently 9.95%)	10.45%	10.95%	10.95%	11.45%
CIC Score 700 and up to 749	RLLR+BSP+1.65% (Presently 10.00%)	RLLR+BSP+2.15% (Presently 10.50%)	11.00%	11.50%	11.50%	12.00%
681-699	RLLR+BSP+3.15% (Presently 11.50%)	RLLR+BSP+3.65% (Presently 12.00%)	12.50%	13.00%	13.00%	13.50%

Summary is prepared automatically from the official rate tables shown above; if anything differs, the full table / branch rate prevails. Actual rate depends on CIBIL score, loan amount, LTV and scheme terms. Confirm with the branch before applying. Source: official retail loan rates page.

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