Search
Login

PNB Doctor’s Delight - Personal Loan Scheme to Doctors

Purpose For meeting expenses of professional/personal requirement.
Eligibility

Professionally qualified practicing/serving Doctors viz., MBBS, BDS & above having Net Annual Income/Salary of Rs. 5.00 lakh and above. Doctors should be taxpayers for the last two years.

Borrower should have a continued occupancy at current place of residence, of a minimum of 2 years. (Not applicable in Case of Doctors who are Employees of Govt./Institutions etc)

Quantum of Finance

Minimum amount of loan will be Rs. 2,00,000/- and maximum amount of loan Rs. 15,00,000 or 20 times monthly gross salary/income whichever is lower depending upon the repaying capacity subject to having Net Annual Income/Salary of Rs.5.00 lakh and above.

Margin Nil
Security Suitable third party guarantee acceptable to the Bank.
OR
Tangible Collateral Security of the value of 100% of loan amount.
Repayment (Maximum)

Term Loan:

The entire loan (principal & interest) shall be repaid within remaining period of service or in maximum 84 equated monthly installments (EMIs). Repayment to start one month after disbursement of the loan.

Overdraft:

The overdraft Limit shall be adjusted within a maximum period of 84 months by reducing Drawing Power (DP) equivalent to EMI amount at the beginning of every month.

Prepayment charges NIL
Rate of Interest Click Here
Processing Charges/ Upfront fee Click Here
Documentation Charges Click Here

Above are only salient features of the scheme. For details please contact nearest branch

Listen
  • Rewarded

    Rewarded

    Earn reward points on transactions made at POS and e-commerce outlets

  • Book your locker

    Book your locker

    Deposit lockers are available to keep your valuables in a stringent and safe environment

  • Financial Advice?

    Financial Advice?

    Connect to our financial advisors to seek assistance and meet set financial goals.

  • ATM & Branch Network

    ATM & Branch Network

    Find PNB Branches and ATMs in proximity to your location.

back to top