When unexpected expenses pop up—medical bills, home repairs, education needs, travel plans, or wedding costs—you want a loan that is fast, simple, and stress-free. This is where the PNB Digi Personal Loan comes in. With a completely online process, quick approval, and direct account credit, PNB offers a smart way to borrow money without visiting the branch.
If you’re an existing Punjab National Bank customer, this digital loan can be one of the easiest ways to arrange funds quickly. Here’s everything you need to know.
What Exactly Is PNB Digi Personal Loan?
PNB Digi Personal Loan is a fully digital, paperless personal loan available through the PNB ONE app and internet banking. Eligible customers can view their loan offer, choose the amount, verify details, and receive funds—all within minutes.
The loan is mainly designed for existing and pre-approved PNB customers, especially those who receive salary credits in PNB and maintain a healthy repayment track record.
Top Features of PNB Digi Personal Loan
- 100% Online Experience
No paperwork, no queues, no branch visit. The complete process—from checking eligibility to receiving money—is done online.
- Instant Disbursement
Approved loan amount is credited to your account immediately after confirmation.
- Personalized Loan Limits
The amount you are eligible for depends on your income, credit score, account activity, and PNB’s internal assessment.
- Competitive Interest Rates
PNB offers attractive interest rates based on your credit profile.
- Zero Collateral Needed
This is an unsecured loan, so you don’t need to pledge any security or bring a guarantor.
- Flexible EMI Tenure
Choose repayment options ranging from 12 to 60 months.
- Transparent Charges
Processing fee and interest details are clearly shown before final submission.
Who Can Apply? – Eligibility Overview
Must be an existing PNB customer
Regular salary credits for salaried applicants
Good credit history
Updated KYC
Must meet PNB’s internal scoring and loan criteria
If you’re eligible, the app will automatically display the loan option.
Documents Required (Minimal & Digital)
Most of your information is pulled directly from the bank’s system. Generally required documents include:
Aadhaar and PAN (already linked to account)
Salary slips (only if PNB requests)
KYC details
Since it is digital, no physical documents are needed.
Interest Rates & Other Charges
Interest rates vary from customer to customer based on:
Monthly salary
Credit score
Repayment history
Existing loans
Along with interest, customers should check for:
Processing fee
GST
Late payment charges (if applicable)
The exact numbers will be shown clearly on the PNB ONE app during application.
How to Apply for PNB Digi Personal Loan
Through PNB ONE App
- Login to PNB ONE
- Go to Loans
- Select Digi Personal Loan
- Check your eligible limit
- Choose loan amount and tenure
- Confirm details and authenticate with OTP
- Amount is credited instantly
Through Net Banking
- Login to PNB Internet Banking
- Go to Personal Loans
- Select Digi Personal Loan
- Fill details and verify
- Confirm with OTP
- Receive funds instantly
Why Choose PNB Digi Personal Loan?
Quick and hassle-free
Ideal for emergencies
No documents to upload in most cases
Safe and secure online platform
Flexible repayment options
Instant funds when needed the most
FAQs – PNB Digi Personal Loan
- Do I need to visit the branch?
No. The entire process is online and paperless.
- Can anyone apply for this loan?
Only existing PNB customers who meet the bank’s internal criteria.
- How do I know if I’m eligible?
If you are eligible, the PNB ONE app will automatically show the loan offer.
- What is the minimum and maximum loan amount?
It depends on your credit score, salary, and bank account behaviour.
- What is the loan tenure?
Usually between 12 to 60 months.
- Is collateral needed?
No, this is an unsecured loan.
- How fast is the disbursement?
In most cases, the amount is credited within minutes after approval.
- Are there any prepayment charges?
PNB’s terms at the time of sanction will apply. Check details during the application.
