|
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. |
|
Full waiver of upfront/processing fee and documentation charges under Festival Bonanza Offer for all loans sanctioned (with accounts opened) till 31.03.2019 and disbursed up to 30.04.2019. |
|
Mortgage against Immovable Property |
Term Loan: 0.90% of loan amount, Maximum Rs. 45000/- Working Capital: Rs 300/- per lac or part thereof on yearly basis |
Rs. 1500/- |
|
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/- |
|
Full waiver of upfront/processing fee and documentation charges under Festival Bonanza Offer for all loans sanctioned (with accounts opened) till 31.03.2019 and disbursed up to 30.04.2019. |
|
Two Wheeler Loan |
Regular Rs.275/- |
Regular Rs.275/- |
|
Full waiver of upfront/processing fee and documentation charges under Festival Bonanza Offer for all loans sanctioned (with accounts opened) till 31.03.2019 and disbursed up to 30.04.2019. |
|
Education Loan |
For Studies in India- NIL
For Studies abroad- 1% Minimum Rs.10000/- (Refundable after 1stDisbursement)
|
Upto Rs.4 lac – Rs.270/-
Above Rs.4 lac- Rs.450/- For Studies in IITs and IIMs - 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/-
|
*All charges are excluding GST
Security Inspection/ Verification Charges - Retail Advances
|
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 |