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Checklist (House Loan)

While applying for the loan, the borrower is required to furnish the following information

  1. 1. Loan application form duly completed with Photograph (PNB 1054/2011)
  2. 2. Identity proof
  3. 3. Address/Residence proof
  4. 4. Age proof
  5. 5. Educational qualification proof
  6. 6. Income proof

    SALARIED CLASS : Salary certificate issued by the employer (indicating gross and net salary)/Income tax Return

    for last 6/12 months whichever is applicable.

    Bank Statement of salary accounts for last 6/12 months whichever is applicable.

    Agriculturist : Record of land holding & cropping pattern or any other proof of income.

    For All Other individuals

    Last 3 yrs. Income Tax Return or assessment order & computation of income statement,

    Bank Statement of account for last 6/12 months whichever is applicable.

  7. 7. Income proof of spouse/earning children/joint , if applicable
  8. 8. Property documents as per property check-list attached
  9. 9. Any other document/paper which may be necessary as per requirement of the case.

CHECKLIST (Vehicle Loan)

While applying for the loan, the borrower is required to furnish the following information:


NEW CAR/VAN/JEEP


  1. 1. Loan application form duly completed with recent photograph (PNB 1055A/2011)
  2. PROOF OF INCOME:
    SALARIED CLASS: Salary certificate issued by employer (indicating gross and net salary)/ Income tax Return
    Statement of a/c for last six months.
    BUSINESS CONCERN: Income tax return or Audited Balance Sheet of the Firm/Company
    PERSONS ENGAGED IN ALLIED AGRICULTURAL ACTIVITIES AND
    AGRICULTURISTS: Record of land holding & cropping pattern or any other proof of income.
  3. 2. Age proof.
  4. 3. Address Proof.
  5. 4. Quotation from authorized dealer for vehicle to be purchased.
  6. 5. Proof of income of spouse/parents where the same is to be considered for determining loan amount.
  7. 6. Any other information which may be necessary

FOR OLD CAR/VAN/JEEP


  1. 1. Loan application form duly completed with recent photograph (PNB 1055A/2011)
  2. 2. Proof of Income- As per details at item 2 above.
  3. 3. Age Proof
  4. 4. Address Proof.
  5. 5. Particulars of vehicle to be purchased and copy of Registration Certificate Of vehicle (Original to be produced at the time of disbursement)
  6. 6. Latest quotation of the vehicle from authorized dealer.
  7. 7. Proof of income of spouse/parents where the same is to be considered for determining loan amount.
  8. 8. Agreement to Sell between Seller and Purchaser
  9. 9. Prescribed Transfer Form duly executed by the Seller for onward submission to RTO
  10. 10. Copy of receipt of up-to-date deposit of Road tax/other taxes
  11. 11. Any other information which may be necessary.

DOCUMENTS TO BE EXECUTED AT THE TIME OF DISBURSEMENT OF LOAN


  1. 1. Letter of Hypothecation for Car Loan (PNB 910/2011, Revised)
  2. 2. Irrevocable Letter of Authority from borrower authorizing the Employer to remit Salary/instalment and other amount payable to the Bank cum letter of acknowledgement from Employer (PNB 1134) or PDCs
  3. 3. Agreement of Guarantee (PNB 58)
  4. 4. Description of the vehicle to be hypothecated (PNB 420)
  5. 5. Any other document which may be necessary.

CHECKLIST (Personal Loan)


While applying for the loan, the borrower is required to furnish the following information:


  1. 1. Loan application form duly completed with photograph (PNB 1114)
  2. 2. PROOF OF INCOME :

    For Salaried persons

    Latest Salary certificate /Form No.16 for the last 2 years, duly authenticated by employer.

    Statement of Account: At least of one year (In case of salaried employees, statement of account

    should be of that account, in which their salary is being credited.

    For non-salaried persons

    Copy of receipted ITRs for the last three financial years.

    Statement of Account: At least of one year.

  3. 3. Age proof.
  4. 4. Address proof.
  5. 5. Agreement of Guarantee.
  6. 6. Any other document/paper which may be necessary as per requirement of the case.

CHECKLIST (Pension Loan)


While applying for the loan, the borrower is required to furnish the following information and execute documents as per detail as under:


Common for Demand Loan, Term Loan and Overdraft

  1. 1. Pensioner`s Portion of PPO in original (to be retained until liquidation of loan account);
  2. 2. Letter of authority (in duplicate) to be taken in case of DPDO Pensioners – ANNEXURE - IV. The same is sent by registered post to the DPDO along with information in writing regarding disbursement of the loan to the concerned pensioner. Further an Affidavit may be obtained from the concerned pensioner that he/she shall not change his/her present disbursing branch/bank without bank`s consent.
  3. 3. Guarantee - PNB 58 H.

For Demand Loan

  1. 1. Letter of request cum sanction letter for advance under personal loan scheme for pensioners Ann-I
  2. 2. Letter of Authority Ann-III
  3. 3. Promissory Note- PNB 728

For Term Loan

  1. 1. Request-cum-sanction Letter for Personal Loan to pensioners- PNB-1112A
  2. 2. Term Loan Agreement - PNB-1113

For Overdraft

  1. 1. Request-cum-sanction Letter for Personal Loan to pensioners-PNB-1112A
  2. 2. Overdraft agreement - PNB 727A.
  3. 3. Any other document/paper which may be necessary as per requirement of the case.

Check List-

PNB my Property Loan

  1. • Loan Application B- I.
  2. • Term Loan Agreement B- II or Overdraft Agreement B-III, whichever is applicable.
  3. • Letter of Hypothecation B- IV.
  4. • Irrevocable Letter of Authority for remitting salary of the employee to bank and acknowledgement from the employer be kept on record B-V OR/AND Agreement of guarantee B-VIII, OR/ AND Irrevocable Letter of Authority for debiting the amount of installment to account be obtained B-VI, whichever is applicable.
  5. • Letter of undertaking w.r.to purpose of loan confirming that the loan shall not be used for speculative purpose.
  6. • Any other document/paper which may be necessary as per requirement of the case.

Check List-

Reverse Mortgage Loan

  1. • Application Form-Annexure-1.
  2. • Declaration/Undertaking.
  3. • Loan Agreement-Annexure-II.
  4. • Draft of Will-Annexure-III.
  5. • Undertaking from the borrower at each annual inspection-Annexure-V.
  6. • Letter of Authority-Annexure-VI.
  7. • Life Certificate-VII.
  8. • Any other document/paper which may be necessary as per requirement of the case.

Check List-

Gold Loan/ Sovereign Gold Bond Loan

  1. • Application for Loan against Gold Jewellery / Ornaments Annexure-B.
  2. • Application cum Loan Agreement- Annexure C- PNB 944A.
  3. • Loan application for advance against Sovereign Gold Bonds-Annexure D-PNB 2024.
  4. • Pledge/ Hypothecation Form-Annexure E-PNB 2056.
  5. • Advance against Sovereign Gold Bonds Overdraft Agreement-Annexure F-PNB 2025.
  6. • Details of Sovereign Gold Bond offered as security-Annexure G-PNB 2026.
  7. • Investor Request for Pledge/ Lien Marking-PNBSGB I-PNB 2027.
  8. • Undertaking - Loans availed of by the applicant-PNBSGB IV-PNB 2030.
  9. • Consent Letter-PNBSGB V-PNB 2031.
  10. • Any other document/paper which may be necessary as per requirement of the case.
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