Punjab National Bank Personal Loan Customer Care

Email ID: care@pnb.bank.in

PNB also operates a dedicated toll-free number, 1800 180 8888, exclusively for queries on loan products, including personal loans. 

Other Helpline Numbers of Punjab National Bank

In addition to the toll-free numbers given above, PNB also has dedicated helpline numbers for specific requests. These numbers are tolled, and customers may pay call charges while calling these numbers.

• Customer care division landline number: 011-28044907
• Credit card helpline numbers: 1800 180 2345 or 0120-4616200
• Missed call service for balance enquiry:
• Toll-free number: 1800 180 2223
• Tolled number: 0120-2303090

By giving a missed called to the above numbers from their registered mobile numbers, customers can get the account balance details in their mobile numbers.

Punjab National Bank Loan Customer Care Number

Punjab National Bank has a trustworthy and prompt customer care facility for all its products and services. The facility is known as 'Punjab National Bank Customer Contact Centre'. When you have any query about your PNB personal loan application or personal loan amount repayment, you can get in touch with the bank for knowledgeable assistance. When you contact the bank, a representative from the bank will provide you with answers to your queries. In case you are facing any difficulty or any form of inconvenience associated with your loan, you can take help of the bank's customer care facility to get proper resolutions.

Let us take a look at the contact details for reaching out to the Punjab National Bank Customer Contact Centre:

The customer care facility works 24 hours a day and 365 days a year. You can reach out to the bank anytime for getting instant solutions. With the help of this facility, you do not have to find out if the bank branch will be open or not on a certain day. You also do not have to visit any PNB branch and wait in long queues to get your queries answered.

Features and Benefits of Punjab National Bank Personal Loan Customer Care

• The customer care facility of the bank takes care of calls made in multiple languages and they include Telugu, Tamil, Punjabi, Malayalam, and Kannada.
• You can get details about your account balance by giving a missed call from your mobile number that is registered with PNB.
• The bank has an Interactive Voice Response System (IVRS) that enables you to engage in self-service. With the help of this IVRS, you can enquire your balance, stop a cheque payment, check your mini statement, or even alter your ATM PIN.
• The bank also has dependable customer service associates. These associates will clear all your doubts regarding different loan schemes and deposit schemes. If you have any query about your PNB personal loan EMIs or personal loan security, you can check with these associates to get clarity.
• You can also get help for queries associated with mobile banking or internet banking.
• You may also file complaints against the bank's service with the help of the customer care facility.

PNB Customer Feedback

The bank has a feedback form on its official website, which encourages customers to give feedback. This assists the bank in enhancing its services. You will need to fill your name, contact details, and details about the product taken from PNB. Once you complete the form, you can save the form and submit it.

The steps for accessing the feedback form are given as follows:

• Visit the official website of the bank at https://pnb.bank.in/
• On the homepage, locate the 'customer care' dropdown menu at the top right corner of the page.
• Under this menu, click on the 'submit feedback' link to open the feedback form.
• After entering your personal details, you can provide feedback about the branch office you have visited.
• You may also provide additional feedback to the bank in the suggestion box.
• Click on 'save' to submit your feedback to PNB.

PNB Complaint Submission and Tracking

Apart from calling the bank to lodge a complaint and later to check the status of your complaint, you can also submit a complaint online. You will need to visit the official website of the bank and then go to the 'Contact Us' section. Here, you will see another link for submitting your complaint or service request. After you click this link, you will need to enter a few relevant details and submit your complaint.

If you want to check the status of this complaint, you will need to click the link that allows you to track your complaint. Once you click this, you will enter the CRM service number that you would have got while placing the complaint. Next, key in the Captcha Code and then click 'Go'.

If your complaint is not resolved to your satisfaction, you can escalate it to PNB's Nodal Officer for grievance redressal, and if it still remains unresolved, approach the Banking Ombudsman under the Reserve Bank of India's Integrated Ombudsman Scheme. 

When you choose a personal loan from PNB, you can enjoy complete transparency regarding interest rates, fees, and other charges. Moreover, you will also get first-class customer care support from the bank's skilled representatives.

Types of Personal Loan Products Offered by Punjab National Bank

1. PNB Personal Loan Scheme for Public

This loan is provided in order to offer financial support to any person for any need. It can be used for all kinds of legitimate needs such as education, medical treatment, wedding arrangements, travel expenses, etc. The loan quantum is up to 24 times of gross monthly salary, subject to a maximum of Rs.20 lakh, depending on repaying capacity. As a form of security, the applicant will have to give a third party guarantee, whichever is accepted by the bank. The loan is repayable within a maximum of 72 equated monthly instalments (60 EMIs for Defence Personnel), starting one month after disbursement.

2. PNB Personal Loan Scheme for Pensioners

This loan is given exclusively to those who take out pension through Punjab National Bank. One can utilise this loan for any personal requirements and these can include medical expenditures as well. Any pensioner who takes a pension from any PNB branch can apply for this loan. The minimum loan amount is Rs.25,000. The maximum is Rs.3 lakh for pensioners up to 70 years (18 times net monthly pension, or 20 times for Defence pensioners), Rs.1.5 lakh for pensioners aged above 70 and up to 75 years, and Rs.70,000, or 12 months' pension, whichever is lower, for pensioners above 75 years. This loan will need to be repaid through 60 EMIs. For pensioners above 75 years, the maximum repayment period is 24 months.

3. PNB Advance Against Gold and Jewellery

This loan is given for reasons such as medical treatment, agriculture, education, wedding arrangements, and any other legitimate reason. For non-agriculture (retail) gold loans, the loan quantum ranges from Rs.10,000 to Rs.25 lakh. The margin is 32% for bullet-repayment demand loans and 28% for EMI-based demand loans and overdraft facilities. As a collateral, the applicant can give gold jewellery or gold coins that are provided by PNB or any other scheduled bank. The interest rate for non-agriculture retail gold loans is RLLR + 0.85% p.a. for loans up to Rs.10 lakh and RLLR + 0.90% p.a. for loans above Rs.10 lakh.

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