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Punjab National Bank Personal Loan Interest Rate November 2026
Punjab National Bank advertises personal loan rates starting from 10.85% per annum. For ₹5 lakh over 3 years that is an EMI of about ₹16,334 a month.
PNB personal loan rates and charges
| Starting interest rate | 10.85% per annum |
| Applies to | Digital personal loan for salaried borrowers with a CIBIL score of 800 or more |
| Processing fee | Not stated on the page we checked |
| Prepayment | Not stated on the page we checked |
| Maximum tenure | Not stated on the page we checked |
Source: Punjab National Bank official page, checked 2 November 2026.
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
PNB personal loan EMI calculator
Prepayment options (optional): pay extra to finish sooner
EMI for popular amounts
₹2 lakh for 2 years₹2 lakh for 3 years₹2 lakh for 5 years₹5 lakh for 2 years₹5 lakh for 3 years₹5 lakh for 5 years₹10 lakh for 2 years₹10 lakh for 3 years₹10 lakh for 5 years
Compare Punjab National Bank with other banks
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Frequently asked questions
What is the Punjab National Bank personal loan interest rate?
Punjab National Bank's website advertises personal loan rates starting from 10.85% per annum (checked 2026-11-02). The rate you get depends on your credit score, income and loan amount.
What is the EMI on a ₹5 lakh personal loan from Punjab National Bank?
At the starting rate of 10.85% over 3 years the EMI is about ₹16,334 a month, with total interest of about ₹88,019. A higher personal rate would raise this.
What is the processing fee for a Punjab National Bank personal loan?
The Punjab National Bank page we checked did not state a processing fee. Please confirm it with the bank's fee schedule before applying.
Does Punjab National Bank charge prepayment charges on a personal loan?
The page we checked did not state prepayment terms. Please confirm with the bank.