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Punjab National Bank
Loan Amount,Interest Rates @ EMI

Base Rate 9.60%
Floating 9.60% - EMI @ 939
Fixed 10.10% - EMI @ 972

Tenure
Min 1 Year - Max 25 Years.
Features
  • Loans for Purchase/Construction/addition/alterations of property.
  • Loans for plots up to 20 lacs.
  • No pre payment charges if paid from own sources of funds.
  • Very less documentation charges of Rs. 1350 ST as applicable.
  • Very less processing fee of 0.5% of loan amount ST as applicable.
Eligibility,Documents,Terms & Conditions

With over 56 million satisfied customers and 5002 offices including 5 overseas branches, Punjab National Bank has continued to retain its leadership position amongst the nationalized banks. The bank enjoys strong fundamentals, large franchise value and good brand image. Besides being ranked as one of India's top service brands, PNB has remained fully committed to its guiding principles of sound and prudent banking. Apart from offering banking products, the bank has also entered the credit card, debit card; bullion business; life and non-life insurance; Gold coins & asset management business, etc.


Since its humble beginning in 1895 with the distinction of being the first Swadeshi Bank to have been started with Indian capital, PNB has achieved significant growth in business which at the end of March 2010 amounted to Rs 435931 crore. PNB is ranked as the 2nd largest bank in the country after SBI in terms of branch network, business and many other parameters. During the FY 2009-10, with 40.85% share of CASA deposits, the Bank achieved a net profit of Rs 3905 crore. Bank has a strong capital base with capital adequacy ratio of 14.16% as on Mar’10 as per Basel II with Tier I and Tier II capital ratio at 9.15% and 5.01% respectively. As on March’10, the Bank has the Gross and Net NPA ratio of 1.71% and 0.53% respectively. During the FY 2009-10, its ratio of Priority Sector Credit to Adjusted Net Bank Credit at 40.5% & Agriculture Credit to Adjusted Net Bank Credit at 19.7% was also higher than the stipulated requirement of 40% & 18% respectively.

 
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