PNB Doctor’s Delight - Personal Loan Scheme to Doctors

Purpose For meeting expenses of professional/personal requirement.

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.
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.


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

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