Punjab National Bank

Type of scheme	Schemes	Processing Fees*	Documentation Charges*
Mortgage	Housing Loan	0.35% of the loan amount Minimum- Rs. 2,500/ Maximum- Rs. 15,000/	Rs.1350/-
Take over of Loan	Rs. 2,500/-
Pradhan Mantri Awas Yojna (Economically Weaker Section/ Low Income Group)
Rs 3000/-	Nil
Pradhan Mantri Awas Yojna (Middle Income Group) Loan up to Rs. 9 lakh in MIG-I – NIL Loan up to Rs. 12 lakh in MIG – II – 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
PNB Pride: Nil
Mortgage against Immovable Property	a. Term Loan: 0.90% of loan amount Minimum-Rs 5,000/- Maximum-Rs. 1,25,000/- b. Overdraft: Rs 300/- per lac or part thereof on yearly basis	For loan upto Rs 25 lakh –Rs 2500/- For loan above Rs 25 lakh –Rs 5,000/-
Reverse Mortgage Loan	Half month’s Loan installment Maximum Rs. 15000/-	NIL
Overdraft to Existing Housing Loan Borrowers	NIL	Rs.450/-
Non- Mortgage	Car Loan	Upto Rs. 6 Lacs - Rs. 1,000/- Above Rs. 6 Lacs- Rs. 1,500/-
Two Wheeler Loan – PNB Saarthi	Regular Rs.275/-	Regular Rs.275/-
Two Wheeler Loan – PNB Power Ride	Rs 500/-	Nil
Education Loan	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)	Upto Rs.4 lac – Rs.270/- Above Rs.4 lac- Rs.450/- For Studies in IITs and IIMs - NIL For PNB Pravasi Shiksha Loan: Rs 450/- For PNB Kaushal - Nil
Personal Loan	1.80% of loan amount	Upto Rs. 2 lac- Rs. 270/- Above Rs. 2 lac- Rs. 450/
PNB Doctor’s Delight - Personal Loan to Doctors	0.90% of loan amount + Taxes	Rs.450+ Taxes
Personal Loan to Pensioners	NIL	Rs. 500/-
Gold Loan	0.25% of Loan Amount	Rs. 250/-
Advance Against Gold Bonds	Nil	Nil

Type of scheme

Schemes

Processing Fees*

Documentation Charges*

Mortgage

Housing Loan

0.35% of the loan amount
Minimum- Rs. 2,500/
Maximum- Rs. 15,000/

Rs.1350/-

Take over of Loan

Rs. 2,500/-

Pradhan Mantri Awas Yojna (Economically Weaker Section/ Low Income Group)

Rs 3000/-

Nil

Pradhan Mantri Awas Yojna (Middle Income Group)

Loan up to Rs. 9 lakh in MIG-I – NIL
Loan up to Rs. 12 lakh in MIG – II – 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

PNB Pride: Nil

Mortgage against Immovable Property

a. Term Loan: 0.90% of loan amount
Minimum-Rs 5,000/-
Maximum-Rs. 1,25,000/-

b. Overdraft: Rs 300/- per lac or part thereof on yearly basis

For loan upto Rs 25 lakh –Rs 2500/-
For loan above Rs 25 lakh –Rs 5,000/-

Reverse Mortgage Loan

Half month’s Loan installment Maximum Rs. 15000/-

NIL

Overdraft to Existing Housing Loan Borrowers

NIL

Rs.450/-

Non- Mortgage

Car Loan

Upto Rs. 6 Lacs - Rs. 1,000/-
Above Rs. 6 Lacs- Rs. 1,500/-

Two Wheeler Loan – PNB Saarthi

Regular Rs.275/-

Two Wheeler Loan – PNB Power Ride

Rs 500/-

Nil

Education Loan

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)

Upto Rs.4 lac – Rs.270/-

Above Rs.4 lac- Rs.450/- For Studies in IITs and IIMs - NIL

For PNB Pravasi Shiksha Loan: Rs 450/-

For PNB Kaushal - Nil

Personal Loan

1.80% of loan amount

Upto Rs. 2 lac- Rs. 270/-

Above Rs. 2 lac- Rs. 450/

PNB Doctor’s Delight - Personal Loan to Doctors

0.90% of loan amount + Taxes

Rs.450+ Taxes

Personal Loan to Pensioners

NIL

Rs. 500/-

Gold Loan

0.25% of Loan Amount

Rs. 250/-

Advance Against Gold Bonds

Nil

Scheme	Guidelines	Proposed Inspection Charges
Car Loan	Where the loan account is running regular the requirement of periodical Inspection, including obtaining of PNB 551, has been done away with.	NIL
	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	Rs 100/- + GST
Two Wheeler Loan	Same as applicable to Car Loan	Rs 50/- + GST
Housing Loan	Security Verification after creation of Security to be carried out once in two years for regular accounts	Rs 250/- + GST
	At least on half yearly basis in case of NPA accounts.	Rs 250/- + GST
Advance against Mortgage of Immovable Property	At least Once every year for regular accounts;	Rs 250/- + GST
	At least once every half year for irregular accounts; and
	At least once in three months for NPA accounts.
Education Loan where Immovable Property has been taken exclusively as Collateral Security	At least once in three years (as prescribed in L&A cir 7/2009 dated 09.01.2009)	Rs 250/- + GST
Reverse Mortgage	The inspection of the property must be done on an annual basis	NIL inspection charges have been stipulated in the scheme

Scheme

Guidelines

Proposed Inspection Charges

Car Loan

Where the loan account is running regular the requirement of periodical Inspection, including obtaining of PNB 551, has been done away with.

NIL

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

Rs 100/- + GST

Two Wheeler Loan

Same as applicable to Car Loan

Rs 50/- + GST

Housing Loan

Security Verification after creation of Security to be carried out once in two years for regular accounts

Rs 250/- + GST

At least on half yearly basis in case of NPA accounts.

Rs 250/- + GST

Advance against Mortgage of Immovable Property

At least Once every year for regular accounts;

Rs 250/- + GST