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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 Term Loan/ Overdraft:

0.75% of the loan Amount Maximum- Rs. 1.00 lakh

The processing fee for overdraft facility to be recovered upfront one time applicable for three years at the time of sanction. Thereafter once in three years on reduced or restored limit.
For loan upto Rs 50 lakh –Rs 2500/-

For loan above Rs 50 lakh –Rs 5,000/-
Reverse Mortgage Loan Half month’s Loan installment Maximum Rs. 15000/- NIL
Overdraft/ Term Loan to Existing Housing Loan Borrowers NIL Rs.450/-
Non- Mortgage Car Loan 0.25% of Loan amount (Minimum – Rs. 1000/- Maximum Rs. 1500/-)
Insta Vehicle Loan (For Car) ^^ Flat Rs.1000/-
PNB Combo Loan Scheme Nil
Two Wheeler Loan – PNB Saarthi 0.50% of Loan amount (Minimum – Rs. 500/- Maximum Rs. 1000/-)
Two Wheeler Loan – PNB Power Ride 0.50% of Loan amount (Minimum – Rs. 500/- Maximum Rs. 1000/-)
Insta Vehicle Loan (For Two-Wheeler) ^^ Flat Rs.1000/-
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)

For PNB Kaushal - Nil

For Studies in India- NIL

For PNB Pravasi Shiksha Loan: Rs 450/-

For PNB Kaushal - Nil

Personal Loan

1.00% of loan amount


For Defence Personnel - Nil

Upto Rs. 2 lac- Rs. 270/-

Above Rs. 2 lac- Rs. 450/-

For Defence Personnel - Nil

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 0.75% of loan amount (inclusive of appraiser fee for testing and valuation of Gold Ornaments)

Min. Rs. 500/- + taxes

Min. Rs. 5000/- + taxes

Advance Against Gold Bonds Nil Nil

*All charges are excluding GST

^^ Insta Vehicle Loan Scheme – Vehicle Loan to existing Housing Loan borrowers with satisfactory track record of minimum 5 years
^^^ PNB Combo Loan Scheme – Car Loan at concessional ROI to Housing Loan borrowers with Sanction Limit of Rs 15 lac and above

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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