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🔹 Personal Loan – Overview
• Personal Loan एक Unsecured Loan होता है, जिसमें collateral/security नहीं ली जाती।
• Personal Loan का उपयोग medical, marriage, education, travel जैसे personal खर्चों के लिए होता है।
📌 Types of Personal Loan Schemes (PNB)
• PNB Sahyog RIN – Salaried Employees के लिए।
• PNB Doctor’s Delight – MBBS/BDS & above Doctors के लिए।
• Personal Loan for Self-Employed – Professionals के लिए।
• PNB Matritva – Working Women (Perinatal Period) के लिए।
✅ PNB Sahyog RIN – Key Points
• Eligibility → Central/State Govt, PSU, reputed institutions के confirmed employees।
• Salary A/c with PNB → Minimum 2 years।
• Salary A/c other bank (Check-off) → Minimum 3 years।
• Minimum Salary → ₹25,000 per month।
• Purpose → Medical, marriage, education, travel etc.
• Nature → Term Loan / Overdraft (Reducing DP)।
• Loan Amount → 24 times of GMS, Max ₹20 lakh।
• Margin → NIL।
• Repayment → Max 72 EMIs / Remaining service period।
• Deduction Limit → ₹30,000 तक 50%, ₹30,000 से ऊपर 60%।
• Minimum Take Home → ₹15,000 (Metro/Urban), ₹10,000 (Semi/Rural)।
👨⚕️ PNB Doctor’s Delight – Key Points
• Eligible → MBBS/BDS & above Doctors (Practicing/Serving)।
• Minimum Net Annual Income → ₹5 lakh।
• Last 2 years ITR taxable होना जरूरी।
• Minimum residence → 2 years current address पर।
• Loan Amount → ₹2 lakh (Min) to ₹30 lakh (Max)।
• Margin → NIL।
• Repayment → Max 84 EMIs।
• Age Limit → 65 years (Relaxable up to 70 years)।
• Deduction Ceiling → 40%–60% income slabs के अनुसार।
👔 Personal Loan for Self-Employed – Key Points
• Applicable → CA, CS, Architects, Engineers, Software Developers, Consultants etc.
• Only Metro & Urban branches में applicable।
• Minimum GAI → ₹6 lakh (Last 2 years)।
• CIBIL Score → Minimum 750 (NIL credit history allowed)।
• Account Vintage → Minimum 2 years satisfactory conduct।
• Loan Amount → 10 times of Avg. GMI, Max ₹5 lakh।
• Nature → Term Loan only।
• Margin → NIL।
• Repayment → Max 60 EMIs / up to 65 years age।
• Max Deduction → 50% of income।
• Minimum Take Home → ₹20,000 (Metro/Urban)।
👩🍼 PNB Matritva – Key Points
• Scheme for → Working Women during Perinatal Period।
• Eligible → Confirmed female employees (Govt/PSU/Reputed Org.)।
• Minimum Service → 2 years।
• Minimum Salary → ₹25,000 per month।
• Purpose → Childbirth & maternity medical expenses।
• Nature → Term Loan only।
• Loan Amount → ₹25,000 (Min) to ₹3 lakh (Max)।
• Can be availed → Maximum 2 times only।
• Repayment → Max 72 EMIs।
• Deduction → ₹30,000 तक 60%, ऊपर 70%।
• Minimum Take Home → ₹12,000।
🎯 Exam Super-Hit One-Liners
• PNB Sahyog Max Loan → ₹20 lakh।
• Doctor’s Delight Max Loan → ₹30 lakh।
• Self-Employed Max Loan → ₹5 lakh।
• Matritva Max Loan → ₹3 lakh।
• Sahyog EMI → Max 72 months।
• Doctor’s Delight EMI → Max 84 months।
• Self-Employed CIBIL → 750 minimum।
📝 Question Bank (Answer Hints – Quick)
• PNB Sahyog Salary with PNB → 2 years।
• PNB Sahyog Salary other bank → 3 years।
• PNB Sahyog Min Salary → ₹25,000।
• PNB Sahyog Loan → 24× GMS, Max ₹20L।
• Doctor’s Delight Income → ₹5L+, last 2 years taxable।
• Doctor’s Delight Repayment → 84 EMIs, Age 65/70।
• Self-Employed Loan → 10× GMI, Max ₹5L।
• Matritva Loan → ₹25,000 to ₹3L।
