Punjab National Bank Gurugram
Last Updated : Sept. 5, 2018, 5:30 p.m.
About Punjab National Bank
Punjab National Bank is the first Swadeshi Bank of India that came into the banking and financial services providing sector on April 12, 1894, in Lahore. Since then, the bank has been serving its customers with affordable deals on loans and higher saving options when it comes to investments. The bank has more than 6,968 branches and 9,935 ATMs across 764 cities. PNB has its branches in UK, Dubai, Hong Kong, Shanghai and also Sidney and hence has customers from middle-class as well as high-class society. Having said that, the bank has won the hearts of many with its lower interest rates on loans like home loans and personal loans.
Presently, the bank’s focus is on the resolution of stressed assets and accelerate its recovery assets to improve asset quality. Also, it is important to note that ONB has always been a keen participant when it comes to the social as well economic development of the society which is quite visible in its initiative towards women empowerment. As a result, the bank became the first bank in India to start opening of ‘Sukanya Samriddhi Deposit accounts’. Other than this, PNB has also formulated new schemes like PNB Vanita financing scheme, PNB Power Ride, PNB Power Savings and Mahila Kaushal Vikas Yojna.
Punjab National Bank Gurugram Branch Addresses
| Branch Name | Complete Address | IFSC Code | MICR | Contact Number |
|---|---|---|---|---|
| Fountain Chowk, Gurugram | Fountain Chowk, Gurugram, Haryana - 122001 | PUNB0018800 | 110024182 | 0124-2321926, 2335596, 2331730 |
| Sukhrali (Haryana) | Bhanu Complex, Mehrauli Gurugram Road, Sukhrali, Distt Gurugram, Haryana | PUNB0314500 | 110024183 | 0124-2343900, 2345776 |
| Ramlila Ground, Gurugram | Ramlila Ground, Gurugram, Haryana | PUNB0334200 | 110024175 | 0124-2322370, 2309491 |
| Hailey Mandi, Gurugram | Hailey Mandi, Gurugram, Haryana 122504 | PUNB0334700 | 110024412 | 0124-2671029 |
| Sohana | Near Bus Stand, Sohana, Haryana 122103 | PUNB0336400 | 110024411 | 0124-2362241 |
| Udyog Vihar Phase - 1, Gurugram | Vats Market, Udyog Vihar Phase I , Gurugram, Haryana | PUNB0386200 | 110024184 | 0124-2439013, 2341514 |
| DAV Sec 14, Gurugram | DAV Public School, Sector 14, Gurugram, Haryana | PUNB0409900 | 110024220 | 0124-2334199 |
| Bhondsi | Bhondsi, Gurugram, Haryana 122001 | PUNB0412900 | 110024418 | 0124-2266007 |
| Maneshwar | VPO Maneshwar, District Gurugram, Haryana 122052 | PUNB0413600 | 110024404 | 95124-2338553 |
| High Value, Gurugram | Mgf Plaza Mall, Mehrauli Gurugram Road, Gurugram, Haryana 122002 | PUNB0454200 | 110024413 | 9818103897 |
| Sec - 10A, Gurugram | SCO - 5, Sector - 10 - A, Khandsa Road Gurugram Haryana 122001 | PUNB0457800 | 110024447 | 0124-2212280 |
| Sushant Lok, Gurugram | Shop No - 14 Ground Floor, C Block, Sushant Lok - I Gurugram, Haryana 122002 | PUNB0461400 | 110024431 | 0124-4273193, 4273194 |
| Mid Corporate Branch, Gurugram | JMD Pacific Square, Sector I5 - II Nh - 8, Near 32nd Mile Stone Gurugram, Haryana 122001 | PUNB0461500 | 110024432 | NA |
| Gurugram, Sector - 4 | SCO No - 15, Huda Market Sector 4 Gurugram Haryana 122001 | PUNB0478500 | 110024452 | 0124-2251453 |
| Sec 23A, Huda Market, Gurugram | SCO 20P Sector 23 A , Huda Market Grain , Behind HP Petrol Pump Haryana 122001 | PUNB0484900 | 110024457 | 0124-2365585 , 586 |
| Jharoda Kalan | Main Gurugram Road Jharoda Kalan Delhi 110072 | PUNB0486600 | 110024458 | 011-25315253 |
| Garhi Harsaru, Gurugram | VPO - Garhi Harsaru, District Gurugram Behind Government Senior Sec School Haryana 122505 | PUNB0486800 | 110024463 | 0124-2276420 |
| Gurugram Jharsha | Village Jharsha Gurugram Haryana 122001 | PUNB0492800 | 110024487 | 0124-2764069 |
| Gurugram, Back Office | Fountain Chowk Gurugram Haryana 122001 | PUNB0472500 | 110024258 | 0124-2332036 |
| Taoru Mewat | Purani Abadi Lal Dora Village Taoru Haryana 122105 | PUNB0693900 | 110024276 | 9992977663 |
| Currency Chest Sukhrali | Bhanu Complex, Mehranti Sukhrali Gurugram Haryana | PUNB0701600 | NON-MICR | NA |
| Sector-49, Gurugram | Vatika Business Park Tower A Sohna Road Sector 49 Gurugram Haryana 122001 | PUNB0752900 | 110024286 | 9810271324 |
| Gurugram, Rab, Sec-4 | Retail Lending Hub, SCF-15, Huda Market, Sector-4, Urban Estate, Gurugram, Haryana 122002 | PUNB0527800 | 110024505 | 0124-2250805 |
| Gurugram Sector 46 | Sco 121, Huda Market Sector 46, Gurugram, Haryana | PUNB0980600 | NON-MICR | 01242579527 |
| Gurugram Golf Course Road | Shop No 1, 23 And 3, Centrum Plaza Gurugram Haryana | PUNB0984500 | NON-MICR | 9899403672 |
| Gurugram Rajinder Park | 1896 By 31, Gaur Potteries Complex Bajgheraroad, Rajinder Park Gurugram Haryana 122006 | PUNB0984600 | NON-MICR | 7838565653 |
| Wazirpur Gurugram | Chauhan Niketan Opp Royal Public School Wazirpur Near Bus Stand Gurugram Haryana 123505 | PUNB0594700 | 110024322 | 8130349292 |
Products Offered by Punjab National Bank in Gurugram
In Gurugram, Punjab National Bank offers affordable personal loans, home loans, Pradhan Mantri Mudra Yojana, loan against property, car or vehicle loans, under the loan products. Also, the saving options like Fixed Deposits and Recurring Deposits are made customer-friendly. 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
| Product | Eligibility | Amount | Interest Rate | Processing Fee | Tenure |
|---|---|---|---|---|---|
| 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 | 8.60% - 9.95% | 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 lower | 11.40% - 16.95% | 1.80% of loan amount | Up to 5 years |
| Car Loan | For private use only. Individuals Business concerns (corporate or non-corporate). Minimum net monthly salary / pension/ income - ₹20000/ | Up to ₹100 lakhs | 6.50% Onwards | 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 Crores | As per extant guidelines of the bank | Up to ₹500 | Up to 7 years |
| Loan Against Property | For 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 +6.00 | Term Loan: 0.90% of loan amount, Maximum ₹45000/- Working Capital: Rs 300/- per lac or part thereof on yearly basis | Up to 10 years |
| Fixed Deposit | Individual (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 | 2.90% - 5.75% | NA | Up 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.
| Product | Documents |
|---|---|
| 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 Loan | Signed 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 Property | Filled 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 Deposit | Identity 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 |
