Information only
Punjab National Bank (PNB) is a public sector bank. The Reserve Bank of India lists its registered office in New Delhi. The bank was founded in Lahore in 1894, was nationalised in 1969 and took in Oriental Bank of Commerce and United Bank of India in 2020. According to the bank's website, as of 8 November 2026, its retail menu separates loans for government employees (PNB Pride) from loans for the general public. This page is an information summary, not an offer, and it does not compare the bank with other lenders.
Loans it offers
Loans listed on Punjab National Bank's website
| Loan | What to know |
|---|---|
| Home loans | PNB Pride Housing Loan is for government employees. A separate housing loan is for the general public. The property is the security. |
| Personal loans | The bank lists a personal loan for the general public and another for pensioners. |
| Loans against property | PNB My Property Loan is a loan against mortgage of property. |
| Business and MSME loans | Named schemes include PNB Sampatti, PNB e-Mudra (Shishu), Stand Up India loans and a Digi MSME Loan. The bank groups MSME loans by size band. |
| Car loans | PNB Pride Vehicle Loan is for government employees and PNB Car Loan is for the general public. |
| Two-wheeler loans | PNB Power Ride is a two-wheeler scheme for women. |
| Gold loans | The bank lists advances against gold jewellery and ornaments, including Sovereign Gold Bonds, and a Digi Gold Loan. |
| Education loans | The bank lists PNB Saraswati, PNB Pratibha and PNB Kaushal as its education loan schemes. |
Read how these loans work on LOANZ 360: home loans, personal loans, loans against property, business loans, car loans, two-wheeler loans, gold loans, education loans. The bank's own website is the record of its current products, schemes and terms, so confirm there before you apply.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Public sector bank (regulated by the Reserve Bank of India) |
| Registered office (RBI listing) | New Delhi |
| Ownership | Majority owned by the Government of India |
| Founded | 1894, in Lahore |
| Nationalised | 1969 |
| Mergers | Oriental Bank of Commerce and United Bank of India merged into PNB with effect from 1 April 2020 |
As of 8 November 2026, according to the bank's website, PNB's corporate office is at Dwarka, New Delhi.
Before you apply
- If you work for the government, ask whether the PNB Pride version of the loan applies to you, and what proof of employment it needs.
- Many accounts from Oriental Bank of Commerce and United Bank of India now sit with PNB. Check that your KYC details are current if you hold one.
- Ask for the Key Fact Statement (KFS) and compare offers on the annual percentage rate (APR).
- Processing, foreclosure and penal charges are set by the lender; ask for them in writing.
LOANZ 360 compares your details with each partner lender's published eligibility criteria before any application goes to a lender. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it.
Use the interest rates page to see published rates across lenders, and the lenders page to see how lenders are listed. The lending partner or information only label comes from live data. If this bank is information only, apply on PNB's own website.
Punjab National Bank’s own website
Last updated 12 Nov 2026