To provide financial assistance to the public drawing pension through PNB


To meet personal needs including medical expenses.


All types of pensioners drawing pension through our branches

Quantum Of Finance

Minimum Rs.25,000/-

Maximum Loan amount:

  • Age upto 70 years: Rs. 10,00,000/- (Rupees Ten lac only) OR 18 times of net monthly Pension (For Defence pensioners, 20 times net monthly pension), whichever is lower.
  • Age above 70 years and upto 75 years: Rs 7.50 lac OR 18 times their net monthly Pension (20 times in case of Defence Pensioners), whichever is lower;
  • Age above 75 years: Rs. 5.00 lac OR 12 months of pension amount, whichever is lower.




Guarantee of spouse eligible for family pension to be obtained OR guarantee of earning children (preferably Govt Employee) OR third party guarantee with net means equal or more than loan amount, acceptable to the Bank.

Repayment (Maximum)

Term Loan: - Maximum 60 equal monthly installment or up to the age of 78 years whichever is earlier.

Over Draft: - Maximum 60 months or up to the age of 78 years whichever is earlier on monthly reducing DP basis.

Prepayment Charges


Rate Of Interest

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Processing Charges/ Upfront Fee

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Documentation Charges

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