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Service Charges related to Retail Advances

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)

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.

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

*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
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