| Scheme Name | PNB Doctor’s Delight – Personal Loan Scheme to Doctors |
| Purpose | To meet expenses for professional/personal requirements |
| Minimum Loan Amount | ₹2,00,000 |
| Maximum Loan Amount | ₹20,00,000 |
| Loan Eligibility | ₹20 lakh or 24 times monthly gross salary/income, whichever is lower |
| Minimum Gross Annual Income/Salary | ₹5 lakh and above |
| Margin | Nil |
| Security | Suitable third-party guarantee acceptable to the Bank |
| Collateral Security | Tangible collateral security equal to 100% of loan amount |
| Repayment – Term Loan | Remaining period of service or maximum 84 EMIs, whichever is earlier |
| Repayment – Overdraft | Maximum 84 months |
| EMI Start | One month after loan disbursement |
| Prepayment Charges | Nil |
| Interest Rate | As per PNB’s applicable rate |
| Processing/Upfront Fee | As per applicable PNB charges |
| Documentation Charges | As per applicable PNB charges |
