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Here, at Siliconindia, we provide you the best deals on loans from the Best Loan Providers in India. Know about the various business and product categories related to home loans, personal loans, mortgage loans, education loans, business loans, construction loans, NRI loans, Car loans and more. Get complete info about the company profile, its products and contact details right here.
 
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Punjab National Bank - Chennai Home,Education,Personal Loan

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With more than 119 years of strong existence and over 6000 branches including 5 overseas branches, 6460 ATMs, 5047 Business Correspondents and 2165 Ultra Small Branches, Punjab National Bank is serving more than 82 million esteemed customers. PNB, being one of the largest nationalized banks, has continued to provide prudent and trustworthy banking services to its customers. The Bank enjoys strong fundamentals, large franchise value and good brand image. To meet the growing aspirations of the people and compete in these tough conditions, the Bank offers wide range of products and services.
Loan Details

PNB has introduced a scheme for property owners having their properties situated in Metro/Urban/ Semi Urban/rural centres and who have let out such properties.

Education Loan:
The Scheme aims at providing financial assistance to deserving / meritorious students (Indian Nationals) for pursuing higher professional and technical education in India or abroad.

Studies in India
1.Approved courses leading to Graduate/ Post Graduate degree and PG Diplomas conducted by recognized colleges/ universities recognized by UGC/ Govt./ AICTE/ AIBMS/ ICMR etc.
2.Courses like ICWA, CA, CFA etc.
3.Courses conducted by IIMs, IITs, IISc, XLRI. NIFT, NID etc.
4.Regular Degree/Diploma courses like Aeronautical, pilot training, shipping, nursing etc., approved by Director General of Civil Aviation/Shipping, if the course is pursued in India.
5.Approved courses offered in India by reputed foreign universities.
6.Admission under Management Quota may also be considered.
7.For studying part-time job oriented courses (evening classes or otherwise), which are approved/recognized by the regulatory body/ authority.
8.Job oriented specialized programmes like maritime courses which are offered in collaboration with foreign institutions and may not be having recognition in India. Studies abroad

i)Graduation- For job oriented professional/technical courses offered by reputed universities.
ii)Post graduation- MCA, MBA, MS, etc.
iii)Courses conducted by CIMA- London, CPA in USA etc.
iv)Degree/Diploma courses* like aeronautical, pilot training, shipping etc. provided these are recognized by competent regulatory bodies in India/abroad for the purpose of employment in India/abroad.
Diploma Course and certificate courses shall not be covered under the eligible courses for study abroad except as mentioned above.

Home Loan:
PNB reaches out to you with fast, friendly and most convenient home loans under Normal and Flexible variants (Details also available seperately) having highlighting features

Highlights

Option to choose between Floating and Fixed interest rates.
Longest Repayment period of 25 years
Flexible/graduated repayment option
No hidden charges
Quick and Fast processing
Lowest EMI of Rs.919/-* per lac for a 25 years loan (* conditions apply)
EMI is applicable to all existing and new customers
Avail benefit of lower EMI by shifting account with us.


Purpose

Construction or purchase of new/old house/ flat/ plot Carrying out repairs/ renovations/ additions/ alterations/ furnishing.

Eligibility
Individuals as well as Joint owners (age group of 18-65 years) having regular source of income. Income of spouse/children/parents can also be added.

Personal Loan:
To meet all types of personal needs.

Eligibility

All permanent Defence Personnel including officials of Military Station Headquarters, Border Security Force, Central Reserve Police Force, Central Industrial Security Force, Indo Tibetan Boarder Police, etc.. However, loan request of Defence Personnel, who are due for retirement with in next 24 months, may not be entertained.
Confirmed/permanent employees of Central/State Govt./PSUs and all reputed companies/Institutions including Schools, Colleges, Universities, autonomous bodies, Hospitals/Nursing Homes, who are either drawing their salary through accounts maintained with our branches or these employers agree for check off facility. (Any Company/Institution is to be termed as reputed company/institution only with the approval of Circle Head concerned taking into account the financial strength of the Company/Institution).
Professionally qualified practicing Doctors viz., MBBS, BDS & above having customer relationship with PNB at least for the last six months having annual income of Rs.4.00 lac and above. Doctors should be taxpayers for the last three years and the ITRs duly receipted by ITO be kept on record.

All above individuals salary through our Bank/availing loan under check-of facility with net monthly income

Rs.15000 per month for eligible customers at Metro Centres
Rs.12500 per month for eligible customers at Urban Centres and
Rs.10000 per month for eligible customers at Semi-Urban and Rural Centres.

However, for Teachers, Army Jawans, other permanent employees of Military Station Headquarters and Para Military Personnel whose salary is being credited and disbursed through our branches the minimum Net Monthly Income criteria shall be Rs.7500/- at all Centres viz. Metro, Urban, Semi-Urban and Rural.

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