If you suddenly need money for home repairs, a medical emergency, a wedding, or any urgent expense, Punjab National Bank (PNB) can be your quickest and most reliable solution. For 2025, PNB has upgraded its personal loan system to make it faster, simpler, and 100% digital. Now customers can apply online from home and get instant approval within minutes.
How Much Personal Loan Can You Get From PNB?
PNB approves loan amounts based on your income, job type, and CIBIL score.
Here are the updated limits:
- Minimum Loan: ₹50,000
- Maximum Loan: ₹5,00,000
- Repayment Tenure: 12 to 60 months
- Processing: Fully Digital + Fast Approval
Interest Rate on ₹5 Lakh PNB Personal Loan (2025)
PNB’s latest personal loan interest rates for 2025 are:
- 10.49% to 15.00% per annum
(Your exact rate depends on your income, CIBIL score, and employment type)
How Much EMI for a ₹5 Lakh Loan?
If you take ₹5,00,000 at 11% interest for 5 years, your EMI will be:
- Monthly EMI: approx. ₹10,870
- Total Repayment: approx. ₹6.52 lakh
- Total Interest: approx. ₹1.52 lakh
Top Benefits of PNB Personal Loan
- No Collateral Needed — completely unsecured
- Quick Approval — eligibility check in just 10 minutes
- Instant Disbursement — money sent directly to your account
- Flexible Tenure — 1 to 5 years
- Low Processing Fee
- 100% Online Application
PNB Personal Loan Eligibility (2025 Updated Rules)
To apply for a PNB personal loan, you must:
- Be an Indian citizen
- Age between 21–60 years
- Have minimum monthly income of ₹15,000
- Maintain CIBIL score of 700+
- Be a government employee, private employee, or self-employed
- Preferably have an active PNB bank account
Documents Required for PNB Personal Loan
- Aadhaar Card
- PAN Card
- Address Proof (Electricity Bill / Ration Card / Passport)
- Last 6 Months Bank Statement
- Salary Slip / ITR
- Passport Size Photo
- Aadhaar-linked Mobile Number
How to Apply for PNB Personal Loan Online? (Step-by-Step)
- Visit PNB’s official website or open the PNB One App
- Go to the Personal Loan section
- Log in using your mobile number or account number
- Select your loan amount and tenure
- Complete the online eligibility check
- Finish E-KYC using Aadhaar
- Upload all required documents
- PNB will verify your details
- Once approved, the loan amount is instantly credited to your PNB account
Final Verdict
If you are planning to take a ₹5 lakh personal loan in 2025, PNB is one of the best options available. With low interest rates, flexible EMIs, fast approvals, and a completely digital process, it offers a smooth borrowing experience. For urgent financial needs, PNB Personal Loan can be a great lifesaver.