Punjab National Bank Gurugram

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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 NameComplete AddressIFSC CodeMICRContact Number
Fountain Chowk, GurugramFountain Chowk, Gurugram, Haryana - 122001PUNB00188001100241820124-2321926, 2335596, 2331730
Sukhrali (Haryana)Bhanu Complex, Mehrauli Gurugram Road, Sukhrali, Distt Gurugram, HaryanaPUNB03145001100241830124-2343900, 2345776
Ramlila Ground, GurugramRamlila Ground, Gurugram, HaryanaPUNB03342001100241750124-2322370, 2309491
Hailey Mandi, GurugramHailey Mandi, Gurugram, Haryana 122504PUNB03347001100244120124-2671029
SohanaNear Bus Stand, Sohana, Haryana 122103PUNB03364001100244110124-2362241
Udyog Vihar Phase - 1, GurugramVats Market, Udyog Vihar Phase I , Gurugram, HaryanaPUNB03862001100241840124-2439013, 2341514
DAV Sec 14, GurugramDAV Public School, Sector 14, Gurugram, HaryanaPUNB04099001100242200124-2334199
BhondsiBhondsi, Gurugram, Haryana 122001PUNB04129001100244180124-2266007
ManeshwarVPO Maneshwar, District Gurugram, Haryana 122052PUNB041360011002440495124-2338553
High Value, GurugramMgf Plaza Mall, Mehrauli Gurugram Road, Gurugram, Haryana 122002PUNB04542001100244139818103897
Sec - 10A, GurugramSCO - 5, Sector - 10 - A, Khandsa Road Gurugram Haryana 122001PUNB04578001100244470124-2212280
Sushant Lok, GurugramShop No - 14 Ground Floor, C Block, Sushant Lok - I Gurugram, Haryana 122002PUNB04614001100244310124-4273193, 4273194
Mid Corporate Branch, GurugramJMD Pacific Square, Sector I5 - II Nh - 8, Near 32nd Mile Stone Gurugram, Haryana 122001PUNB0461500110024432NA
Gurugram, Sector - 4SCO No - 15, Huda Market Sector 4 Gurugram Haryana 122001PUNB04785001100244520124-2251453
Sec 23A, Huda Market, GurugramSCO 20P Sector 23 A , Huda Market Grain , Behind HP Petrol Pump Haryana 122001PUNB04849001100244570124-2365585 , 586
Jharoda KalanMain Gurugram Road Jharoda Kalan Delhi 110072PUNB0486600110024458011-25315253
Garhi Harsaru, GurugramVPO - Garhi Harsaru, District Gurugram Behind Government Senior Sec School Haryana 122505PUNB04868001100244630124-2276420
Gurugram JharshaVillage Jharsha Gurugram Haryana 122001PUNB04928001100244870124-2764069
Gurugram, Back OfficeFountain Chowk Gurugram Haryana 122001PUNB04725001100242580124-2332036
Taoru MewatPurani Abadi Lal Dora Village Taoru Haryana 122105PUNB06939001100242769992977663
Currency Chest SukhraliBhanu Complex, Mehranti Sukhrali Gurugram HaryanaPUNB0701600NON-MICRNA
Sector-49, GurugramVatika Business Park Tower A Sohna Road Sector 49 Gurugram Haryana 122001PUNB07529001100242869810271324
Gurugram, Rab, Sec-4Retail Lending Hub, SCF-15, Huda Market, Sector-4, Urban Estate, Gurugram, Haryana 122002PUNB05278001100245050124-2250805
Gurugram Sector 46Sco 121, Huda Market Sector 46, Gurugram, HaryanaPUNB0980600NON-MICR9818060805
Gurugram Golf Course RoadShop No 1, 23 And 3, Centrum Plaza Gurugram HaryanaPUNB0984500NON-MICR9899403672
Gurugram Rajinder Park1896 By 31, Gaur Potteries Complex Bajgheraroad, Rajinder Park Gurugram Haryana 122006PUNB0984600NON-MICR7838565653
Wazirpur GurugramChauhan Niketan Opp Royal Public School Wazirpur Near Bus Stand Gurugram Haryana 123505PUNB05947001100243228130349292

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

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
8.70% - 8.95%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 lower11.30% - 15.05%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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