Druk PNB Bank Limited(DPNBL) incorporated in Bhutan is a Joint Venture Bank with 51% share holding by Punjab National Bank, a leading public sector Bank in India.

Online services


Personal Loan to Public

Eligibility.

  • Regular Employees under Government Organization, Public Corporations, Government Autonomous units, Employees under reputed / established NGOs and Employees of other Government owned Financial Institutions with minimum of 1 year confirmed services and if PF is being deducted and salary is being routed through our bank or under check off facility.
  • Regular employees (on merits) of other Private units whose salary is being routed through our bank and under check off facility.
  • For Private parties, with adequate security acceptable to the bank satisfying LTV and LTI norms of RMA.

Purpose

To meet all types of personal needs.

Amount of Loan.

Minimum loan amount is Nu. 10000/- and Maximum amount of Nu.0.50 Mn respectively or 30 times monthly net salary whichever is lower, depending upon the repaying capacity.

Rate of Interest. 

For Salaried Based Government Employees, where check of facility available 9.25 %
Other Categories 9.50 %
Against Mortgage 11 %

Minimum Net Monthly Income.

Nu. 8500 per month for eligible customers.

However, for Teachers and Defense Personnel including officials of Military Station Headquarters, whose salary is being credited and disbursed through our branches the minimum Net Monthly Income criteria shall be Nu.5,000 

Margin

Nil

Repayment

The entire loan shall be repaid in maximum 60 (sixty) equated monthly installments (EMIs) comprising of principal & interest OR remaining period of service, whichever is earlier.

Guarantor 

Guarantee is not required for Regular Employees under Government Organization, Public Corporations, Government Autonomous units, Employees under reputed / established NGOs and Employees of other Government owned Financial Institutions with minimum of 1 year confirmed services and if PF is being deducted.

For others Guarantee of the employer or an individual with satisfactory credibility and acceptable to the bank.

For more details and other formalities contact nearest branch head.

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