PNB Loan Rates: Latest Updates on Home, Car, Education, and Personal Loans
Punjab National Bank (PNB) has updated its loan rates for home loans, car loans, education loans, and personal loans, effective February 10, 2025. This move aims to enhance competitiveness and offer customers cost-effective financing solutions.
Latest Highlights of PNB Loan Rates (2025):
- Home loans start at 8.15% p.a., with digital approvals and zero prepayment charges.
- Car loans begin at 8.50% p.a., with exclusive discounts for electric vehicles.
- Education loans start at 7.85% p.a., supporting students in India & abroad.
- Personal loans start at 11.25% p.a., with pre-approved digital processing.
With these updated PNB Loan Rates, borrowers can access more affordable financing options tailored to their needs.
Latest PNB Loan Rates for Home Loans
PNB has introduced new home loan rates, starting from 8.15% per annum. The PNB Digi Home Loan offers borrowers up to Rs 5 crore, with zero processing fees and no prepayment penalties.
📌 Key PNB Home Loan Schemes & Rates:
| Scheme | Interest Rate (p.a.) | Key Benefits |
| PNB Digi Home Loan | 8.15% | Fully digital process, zero processing fees, no prepayment charges |
| PNB Home Loan | 8.15% | Waiver on processing fees & documentation charges (valid till March 31, 2025) |
| PNB Gen-Next Home Loan | 8.15% | Loans up to 1.25x eligibility for salaried professionals (up to 40 years old) |
| PNB Max Saver Home Loan | 8.30% | Overdraft facility to reduce interest liability |
💡 Why Choose PNB Home Loans?
- Flexible repayment tenure of up to 30 years.
- No hidden charges or processing fees till March 2025.
- Higher eligibility for salaried young professionals.
The PNB Loan Rates for home financing make housing loans more accessible and affordable for both first-time buyers and existing homeowners.
Revised PNB Loan Rates for Car Loans
PNB has revised its car loan rates, now starting at 8.50% per annum. Customers applying through PNB Digi Car Loan can avail loans up to Rs 20 lakh with attractive EMI options.
📌 PNB Car Loan Schemes & Rates:
| Scheme | Interest Rate (p.a.) | Key Features |
| PNB Digi Car Loan | 8.50% | Fully digital process, loans up to Rs 20 lakh |
| PNB Car Loan | 8.50% | Financing for new & used cars, up to Rs 1 crore loan amount |
| PNB Green Car Loan | 8.50% | 0.05% interest concession for electric vehicles, tenure up to 120 months |
💡 Benefits of PNB Car Loans:
- Low processing fees and easy eligibility criteria.
- Green Car Loan discount for eco-friendly buyers.
- Flexible repayment tenure for better financial planning.
These PNB Loan Rates for car financing make vehicle ownership more affordable, especially for electric vehicle buyers.
Updated PNB Loan Rates for Education Loans
PNB is offering education loans with competitive rates starting from 7.85% per annum. The PNB Digi Education Loan is a collateral-free loan option for students enrolling in premier institutes.
📌 PNB Education Loan Schemes & Rates:
| Scheme | Interest Rate (p.a.) | Key Features |
| PNB Digi Education Loan | 7.85% | Fully digital process, collateral-free for select institutes |
| PM Vidyalaxmi | 7.85% | No processing fees for students in 860 Quality Higher Education Institutes (QHEIs) |
| PNB Pratibha | 7.85% | Exclusive for meritorious students in 80+ premier institutes |
| PNB Saraswati | 9.00% | Available for non-premier institutes, up to Rs 4 lakh loan with nil margin |
| PNB Udaan | 9.00% | Supports students studying abroad, loans up to Rs 4 lakh with nil margin |
💡 Why Opt for PNB Education Loans?
- Low-interest rates starting at 7.85% per annum.
- Zero processing fees for students in recognized institutes.
- Flexible repayment tenure with moratorium benefits.
With PNB Loan Rates on education financing, students can pursue higher education without financial stress.
PNB Loan Rates for Personal Loans
PNB has introduced easy and fast personal loans, with interest rates starting at 11.25% per annum. Borrowers can avail instant pre-approved loans up to Rs 20 lakh without paperwork.
📌 PNB Personal Loan Schemes & Rates:
| Scheme | Interest Rate (p.a.) | Key Features |
| Pre-Approved Personal Loan | 11.25% | Digital process, loan up to Rs 20 lakh |
| PNB Swaagat | 11.25% | Loans up to Rs 10 lakh, OTP-based instant approval for new customers |
💡 Why Choose PNB Personal Loans?
- Pre-approved loans with minimal documentation.
- Instant disbursement for urgent financial needs.
- Flexible repayment options with competitive rates.
The PNB Loan Rates for personal financing provide quick and convenient borrowing options for individuals in need of funds.
Why PNB Loan Rates Make Borrowing Easier?
Key Takeaways:
- PNB Loan Rates have been revised to enhance affordability across home, car, education, and personal loans.
- Home loans start at 8.15%, with zero prepayment charges & digital approval.
- Car loans begin at 8.50%, with special discounts for electric vehicles.
- Education loans start at 7.85%, supporting students with no processing fees.
- Personal loans start at 11.25%, with instant digital processing.
📌 With PNB’s latest loan rates, borrowing has never been more affordable and accessible!
💬 What do you think about the updated PNB Loan Rates? Will you apply for a PNB loan?
