Punjab National Bank Bengaluru

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About Punjab National Bank

Punjab National Bank was registered in on 19 May 1894 under the Indian Companies Act, with its office in Lahore, Pakistan in its initial days. Talking about the present scenario, Punjab National Bank is the first bank among all the banks in deposit mobilized through the Pradhan Mantri Jan Dhan Yojana (PMJDY). From designing customer-friendly products to making it possible to understand the importance of saving, PNB has been successful throughout.

The bank offers a wide array of investment products like Fixed Deposit. Also, the loan products of the bank like home loans, personal loans, business or MSME loans, loan against property, car loans, etc. are among the top products. If we talk about the awards it has bagged into its account, PNB has got many that add to its recognition as one of the leading financial services providers in India. To name a few, Forbes Global 200 ranked PNB as the 717 bank in May 2013, and Fortune India 500 ranking of 2011 gave the rank of 26 to the bank. Also in the year 2012, PNB was also awarded as the ‘Best Public Sector Bank’ by CNBC TV18 and ‘most socially responsive bank’ by Businessworld and PwC in 2012.

Punjab National Bank Bengaluru Branch Addresses

Branch NameComplete AddressIFSC CodeMICRContact Number
Bangalore CanttBangalore Cantt, Karnataka-560001PUNB0004000560024003080-5581455, 5582077
Bangalore CityVokkaligara Sangha Building, Hudson Circle, Bangalore - 560027PUNB0004100560024002080-22235889
Chickpet, BangaloreAdi Complex, Chickpet, Bangalore - 560053PUNB0095300560024004080-22877150
Sadhasiva Nagar380, Kamachi Court, Sadashiv Nagar, Bangalore, Karnataka - 560080PUNB0106200560024008080-23615412
Fraser TownNo.8, Wheeler Road, Fraser Town, Bangalore, Karnataka 560005PUNB0120200560024005080-25485920
Malleswaram, Bangalore6Th Cross, Malleswaram, Bangalore, Karnataka 560080PUNB012610056002401080-23342245, 23313307
Indira Nagar33/A, I Stage, Indira Nagar, Bangalore, KarnatakaPUNB0126800560024009080-5250113, 5253171
Jaya Nagar1382, 32Nd Cross, 4Tht Block, Jaya Nagar, Bangalore - 560041PUNB0128700560024007080-26342019
Bangalore, Anand Nagar50, Feel Road, Anand Nagar, BangalorePUNB0156700560024006080-23332156
J.P Nagar501, 7Th Main Road, Cross Street, J P Nagar, Phase Iii, Bangalore - 560078PUNB0159400560024011080-26583257
Bangalore, MCB26 - 27 M.G.Road, Distt. Bangalore, KarnatakaPUNB0227300560024016080-5586196
RCC, BangaloreN.R.Square, Bangalore, Karnataka - 560002PUNB0244600560024001080-22276238, 22216190
K.G Road, Bangalore34 K.G.Road Bangalore, Karnataka 560009PUNB0362100560024013080-22262661
Rmv Extension, BangaloreRmv Extension, Bangalore, Karnataka 560054PUNB0362500560024015080-23601716, 2360638
Bangalore, Mahalakshmi Layout1078, 11Th Main, 9Th Cross, Dr Modi Hospital Road Mahalaxmi Layout, Bangalore 560009PUNB0392500560024017080-23490431/94661
Koramangala100 KHB Colony, V - Block, Koramangala, Bangalore - 560095PUNB0397100560024018080-25520699
Rajaji Nagar 1007/49, Dr.Rajkumar Road, Rajaji Nagar, Bangalore, Karnataka - 560010PUNB0408000560024019080-23206182
Lalbagh Fort Road, BangaloreVV Puram, BangalorePUNB0424600560024020080-26624167
St.Johns Road, BangaloreNo. 34, St. John’S Road, BangalorePUNB0424700560024021080-25300929,
BanashankariCA Site 21, Vokkaligara Sangha Pharmacy College, 24Th Main, Banashankari 2Nd Stage Karnataka 560070PUNB0462300560024022080-26712836
St. Peters Pontifical SeminarySt. Peters Pontifical Seminary College 8Th Main, 18Th Cross, Malleswaram West, Bangalore Karnataka 560055PUNB0462500560024024080-23347907
Hal VimanapuraHal Vimanapura, EWF Building, Bangalore Karnataka 560017PUNB0473000560024025080-25238884
H S R LayoutShop No 23, BDA Complex, Bangalore, Karnataka 560034PUNB0477400560024026080-25724331
Ekta Nagar, BasavanapuraS.E.A.Education Trust, Ekta Nagar Basvanpura, Virgo Nagar Post Bangalore Karnataka 560049PUNB0496100560024027080-25617353
Bmj Hospital VasanthBangalore, Bhagwan Mahaveer Hospital Karnataka 560052PUNB0624600560024032080-22356623
Para Rgt Trg CentreBangalore, Para Reg Trg Centre Karnataka 560006PUNB0624800560024031080-23433782
Special Asset Recovery ManagementNo.26 By 27, Raheja Towers, Mg Road Bangalore, Karnataka 560001PUNB0679300NON-MICR080-25095087
Bangalore, Retail Lending HubLIC Building, Near Square, Cubbonpet, Near Ulsoor Gate Police Station, Bangalore Karnataka 560002PUNB0520100NON-MICR080-22108399 080-22485500 0919972198968
Currency Chest Back Office, Bangalore33/A 1St Stage Indiranagar Bangalore Karnataka 560038PUNB0697000570024009080-25253171
Currency Chest Link Office, BangaloreVokkaligara Bhavana Hudson Circle Bangalore Karnataka 560027PUNB0697100NON-MICR080-22235889
Domlur547, Off Intermediate Ring Road, Amarjyothi Layout, Domlur, Bangalore Karnataka 560071PUNB0754700NON-MICR8025350152
Rajarajeshwari Nagar, Bangalore227, 8Th Main, Sai Vaibhav Bldg. R.Rajeshwari Nagar, Bangalore Karnataka 560098PUNB07720005600240367184850071
Sahakar Nagar, Bangalore225, Karuna Complex, Kodigehalli M.Rd, Sahakar Nagar, Bangalore Karnataka 560092PUNB07721005600240359888602271
Karnataka Zonal Office26-27, Raheja Towers First FloorPUNB0382400NON-MICRNA
Bannergatta Road, BangaloreNo 51B, Bilekahalli Road, IIM PostPUNB0789100NON-MICRNA
YelahankaNo 966, 16Th Main Road Sec-APUNB0789200NON-MICRNA
BanaswadiNo8 7Th Main 80 Ft Subbanapalaya Banaswadi Main Road Karnataka 560033PUNB0588100NON-MICR7760633966
Padmanabhanagar BangaloreNo 01 Aravind Kabini Apartments 11 5 31 Subramanyapura Main Road Bendre Ngr Karnatka 560104PUNB0593700NON-MICR9844470500

Punjab National Bank Bengaluru Products Offered

In Bengaluru, Punjab National Bank offers affordable personal loans, home loans, Pradhan Mantri Mudra Yojana, loan against property, car or vehicle loans, under the loan products and higher saving options like Fixed Deposits under the investment product options. Below are the details like eligibility, interest rate, tenure, fund limit, documents and other general details that you must know while applying at Punjab National Bank.

Basic Details of Punjab National Bank Products

ProductEligibilityAmount Interest RateProcessing FeeTenure
Home Loan For Public:
Individuals or Joint owners.
For Pradhan Mantri Awas Yojana:
EWS households are defined as households having an annual income up to ₹3,00,000
LIG households are defined as households having an annual income above ₹3,00,000 and up to ₹6,00,000
For Public:
Up to ₹1 Crores

For Pradhan Mantri Awas Yojana: Up to ₹30 lakhs
8.65% - 8.90%For Public:

For ₹300 lac- 0.50% of loan amount Maximum ₹20000/- For above - ₹50000/-

For Pradhan Mantri Awas Yojana:

NIL
For Public:
Up to 30 years

For Pradhan Mantri Awas Yojana:
Up to 15 years
Personal Loan For Salaried:

Minimum age of 21 years
Maximum age of 58 years
₹15000 per month at metro centres
₹12500 per month at urban centres
Minimum Net Monthly Income of ₹10000 per month at semi-urban and rural centres
Total work experience of 2 years
Minimum 1 year of stay at current residence
For Self-employed:
Age between 21-65 years
Minimum Net Monthly Income of ₹20,000/-
Total work experience of 2 years
Up to ₹5 lakhs to a subject of 20 times monthly salary of the applicant whichever is lower11.20% - 14.95%1.80% of loan amountUp to 5 years
Car LoanFor private use only.
Individuals
Business concerns (corporate or non-corporate).
Minimum net monthly salary / pension/ income - ₹20000/
Up to ₹100 lakhs8.75% - 9.20%1% of the loan amount (Max. ₹6000/-)Up to 7 years
Business Loan Individuals / Partnership / Ltd Liability Partnership / Pvt. Ltd. Co. /Public Ltd.Co/Trust and Co-operative Societies registered under any law relating to cooperative societies engaged in rendering of service and are categorized as Micro, Small & Medium Enterprises. ii) In Service Sector, the person behind the project/service provider is very important. Their qualification/experience is to be taken into account. iii) For the list of activities under service sector, various notifications from Ministry of MSME, GOI may be referred.Up to ₹2 CroresAs per extant guidelines of the bankUp to ₹500Up to 7 years
Loan Against PropertyFor Personal Needs:
Employees of Central/State Govt./Schools/Colleges/Public Sector Undertakings (PSUs)/Reputed Corporates and Other Income Tax Assesses
Maximum age of 60 years
Minimum Net Monthly Salary of ₹10,000/- for last 3 years for salaried class
Minimum Net Annual Income of ₹1,20,000/- for other income tax assesses
Quantum of Finance from ₹1 lakh to ₹5 lakh
Maximum 75% of the market value of the property
Maximum three times of Annual Gross Income
Maximum Four times of Annual Gross Income
Net Income should be double that of Monthly Instalment in the case of Term Loan as well as Overdraft limit on monthly reducing DP basis.

For Business Needs:

Existing customers with a satisfactory track record of three years (cash profits during last three years and net profit in the immediately preceding year)
Minimum Net annual Income/ Net Profit of ₹120000/- and above
Quantum of Finance from ₹5 lakh to ₹5 Crores
Maximum 75% of the market value of the property
Maximum three times of Annual Gross Profit
Maximum Four times of Annual Gross Profit
Net income should be 1.5 times that of EMI in the case of Term Loan and that of interest amount ( on full sanctioned limit) in the case of Overdraft limit. Interest and depreciation charges will be added back for the purpose of arriving at Net Income/ profit
Up to ₹500 lakhs Up to MCLR +6.00Term Loan: 0.90% of loan amount, Maximum ₹45000/- Working Capital: Rs 300/- per lac or part thereof on yearly basisUp to 10 years
Fixed DepositIndividual (singly or jointly) with others.
Minors who have attained the age of 10 years and above in his own name on giving proof of age by his guardian or any other reliable source or through his natural/legal guardian.
Proprietorship/partnership firm, commercial organization, company/ corporate body.
Hindu Undivided Family.
Association, club, society, trust or religious/charitable or educational institution.
Municipality or Panchayat, Government or quasi-government body.
The illiterate and blind persons can also open the account.
Minimum- ₹100
Maximum- ₹10 Crores
5.70% - 7.41%NAUp to 10 years

Documents Required

Here are the documentation required to apply at Punjab National Bank, that an applicant must follow so as to get instant approval and easy processing.

ProductDocuments
Home Loan Identity Proof:

Valid
Passport,
Voter ID Card
Aadhaar Card
Valid Driving Licence

Address Proof:
Valid Passport
Voter ID Card
Aadhaar Card
Valid Driving Licence

Income Proof:

Last 3 months' Salary Slips
Last 6 months' Bank Statements showing salary credits
Latest Form-16 and IT returns

Property Proof:

Title Deeds of the Plot
Proof of no encumbrances on the property
Copy of the plans approved by the Local Authorities
Construction estimate by an Architect / Civil engineer

Other Documents:

Employment Contract/Appointment Letter in case current employment is less than 1 year old
Last 6 months' Bank Statements showing repayment of any ongoing loans
Duly filled application form along with recent passport
Own Contribution Proof
Personal Loan For Salaried:

Loan application form with passport size photograph
Identify proof with unique identification number in case of military/ para military personnel
Educational qualification proof
Age proof
Proof of official address and residential address
Income proof
Latest salary slip
Form 16, duly authenticated by the employer

For Self-employed:

Loan application form with passport size photograph
Identify proof with unique identification number in case of military/ para military personnel
Educational qualification proof
Age proof
Income proof
IT returns for the last three financial years
Latest bank statement
Vehicle LoanSigned application form
ID Proof (PAN Card/Voter ID Card/Driving License/Passport)
Age Proof
Address Proof (Driving License/Passport/Voter ID Card)
Last 6 months bank statement
Last 3 months salary slip for salaried
Form 16 or ITR for salaried
Last 3 years ITR with computation of income for self-employed
Last 3 years CA Certified/Audited Balance Sheet and Profit & loss account
Business Loan Identity Proof (Voter ID Card/PAN Card/Driving License/Aadhaar Card)
Address Proof (Passport/Voter ID Card/Driving License)
Loan Against PropertyFilled mortgage loan application form
Identity proof (Passport/Voters ID Card/Driving License/PAN Card)
Address proof (Ration card/Telephone bill/Electricity bill/Lease agreement/Passport/Trade license/Sales Tax certificate)
Bank statement (latest 6 months bank)
Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)
Income Tax/Sales tax returns of proprietor/partners/firms/companies
Last 2 years financial statements attested by CA
Copy of license/NOC from local body or license from the competent authority for running the business
Fixed DepositIdentity Proof:
Passport
PAN Card
Driving License
Voter ID
Government ID Card
Senior Citizen ID Card
Address Proof:
Passport
Telephone Bill
Electricity Bill
ID Card Issued by Post Office
Bank Statement with Cheque
Any other ID proof or address proof document can be submitted subject to bank's satisfaction

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