Providing all banking facilities at a single platform.
Loan up to Rs. 6 lakh– NIL
For additional loan amount beyond the eligible loan amount as above– As per the existing housing loan scheme to public.
PNB Max Saver
In case the customer has paid Upfront Fees & Documentation Charges at the time of availing Housing Loan: One time charges of Rs 2500/-
In case the customer has not paid Upfront Fees & Documentation Charges at the time of availing Housing Loan: Charges as per Housing Loans
0.50% of Loan amount (Minimum – Rs. 500/- Maximum Rs. 1000/-)
For Studies in India- NIL
For Studies abroad- 1% Minimum Rs.10000/- (Refundable after 1stDisbursement)
For PNB Pravasi Shiksha Loan: 1% of the loan amount, Minimum Rs.10,000/- (Non-refundable)
For PNB Kaushal - Nil
For PNB Pravasi Shiksha Loan: Rs 450/-
1.00% of loan amount
For Defence Personnel - Nil
Upto Rs. 2 lac- Rs. 270/-
Above Rs. 2 lac- Rs. 450/-
^^ Insta Vehicle Loan Scheme – Vehicle Loan to existing Housing Loan borrowers with satisfactory track record of minimum 5 years
^^^ PNB Combo Loan Scheme – Car Loan at concessional ROI to Housing Loan borrowers with Sanction Limit of Rs 15 lac and above
Where the loan account is running regular the requirement of periodical Inspection, including obtaining of PNB 551, has been done away with.
For irregular accounts and accounts under NPA category, the inspection be done on at least quarterly or at such shorter intervals as the situation demands and PNB 551 to be obtained on half yearly basis
Same as applicable to Car Loan
Security Verification after creation of Security to be carried out once in two years for regular accounts
At least on half yearly basis in case of NPA accounts
At least Once every year for regular accounts;
At least once every half year for irregular accounts; and
At least once in three months for NPA accounts.
At least once in three years (as prescribed in L&A cir 7/2009 dated 09.01.2009)