Punjab National Bank Ghaziabad

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About Punjab National Bank

Punjab National Bank is a multinational bank with more than 6,968 branches and 9,935 ATMs across 764 cities. The bank caters more than 80 million customers with its products and services designed by keeping in mind the financial needs of the customers. The bank has its subsidiary branches UK, Hong Kong, Kowloon, Dubai, and Kabul also. Punjab National Bank was registered on 19 may 1894 under the Indian Companies Act with its offices in Anarkali Bazaar, Lahore (presently in Pakistan).

Recently, the Government of India declared this bank as the first among all the banks in deposits mobilized through Pradhan Mantri Jan Dhan Yojana (PMJDY). Other than this, the bank has also been in the forefront when it comes to the development of the society both in terms of economy and social welfare. Having said that, the loans and investment products of the bank are one of the best products when it comes to satisfaction of the customers. In addition to this, the home loans, personal loans, education loans, business or MSME loans, loan against property, car or vehicle loans, are some of the affordable loan schemes in the present market. In investment section also, the products like fixed deposits (FD) and Recurring Deposits (RD) are also available with higher savings possibilities. In Ghaziabad also, the bank has spread its wings across all the major areas making it convenient for the customers to contact the branch and vice-versa.

Punjab National Bank Ghaziabad Branch Addresses

Branch NameComplete AddressIFSCMICRContact Number
G T Road, GhaziabadG T Road, Ghaziabad, U.P 201001PUNB00180001100242130120-2831042, 2852685
Mohan NagarMohan Nagar, District Ghaziabad, U.PPUNB00341001100242010120-2940101-106
Navyug Market, GhaziabadNavyug Market, District. Ghaziabad, U.P - 201001PUNB006740011002420295120-2794882, 0339
Shastri Nagar, GhaziabadShastri Nagar, District Ghaziabad, U.PPUNB02051001100242050120-2706061, 2781665
SikheraSikhera, District Ghaziabad U.PPUNB027560024502405405731-296238
KaushambiD - 64, Kaushambi, Ghaziabad, U.P 201010PUNB03000001100241880120-2776008/289
Ambedkar Marg, MeerutAmbedkar Marg, District Ghaziabad, U.PPUNB03703001100241980120-2711763, 53277
Jindal Nagar, GhaziabadJindal Nagar, Khera - Philkhuwa, Ghaziabad, U.P 245304PUNB03705001100242470122-2325666
GT Road, SahibabadGT Road, Ghaziabad, Up - 201005PUNB03709001100241700120-2931970, 2634653
Brij ViharBrij Vihar, Ghaziabad, U.P.PUNB03711001100241960120-2628105, 2624468
AKP Vijay Nagar, GhaziabadArya Kanya Pathshala, Sector 9, Vijay Nagar, Ghaziabad, Up 201009PUNB03946001100242100120-2740963, 2843564
Kavi NagarKL - 44, Kavi Nagar, Ghaziabad, Up 201001PUNB03947001100241940120-2781672
VMLG, GhaziabadVMLG, (Near Sushila Devi Girls School), Ghaziabad, U.P - 201001PUNB03948001100241950120-2717346, 2706026
Meerut RoadPatel Nagar, Meerut Road, Ghaziabad, U.PPUNB04021001100242090120-2736400, 2851238

Products Offered by Punjab National Bank in Ghaziabad

In Ghaziabad, 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
8.50% - 8.60%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 lower11.10% - 14.85%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
4.00% - 7.10%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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