PNB Diwali Gift Offer: Get ₹50000 Loan Instantly with Aadhaar Card – Full Details: The festival of lights, Diwali, is around the corner, and it’s a time when expenses often rise for every household. From home decorations and new clothes to gifts and celebrations, many people find themselves in need of quick financial support. To make this festive season brighter, Punjab National Bank (PNB) has introduced a special Diwali Gift Loan Offer, allowing customers to avail up to ₹50,000 instantly using just their Aadhaar Card.
This initiative is designed to offer financial relief and convenience to salaried individuals, small business owners, and pensioners who need short-term funds during the festive season. Let’s take a detailed look at what this scheme offers, eligibility requirements, interest rates, and the simple process to apply.
What is the PNB Diwali Gift Loan Scheme?
The PNB Diwali Gift Loan Scheme is a short-term personal loan designed for quick access to funds without the need for heavy documentation or collateral. Using your Aadhaar Card and PAN Card, you can easily apply for an instant loan of up to ₹50,000 directly from your home through digital channels or by visiting the nearest PNB branch.
The offer has been rolled out to provide easy liquidity to customers during Diwali — ensuring no one has to compromise on celebrations due to a lack of funds.
Key Highlights: PNB Diwali Gift Offer
- Loan Amount: Up to ₹50,000
- Interest Rate: Starting from 10.99% per annum (may vary based on credit score and profile)
- Tenure: Up to 12 months
- Processing Fees: Minimal or waived under festive offer
- Collateral: Not required – completely unsecured loan
- Documentation: Aadhaar Card, PAN Card, and bank statement
Eligibility Criteria
To apply for this festive loan, you must meet certain basic eligibility requirements. These conditions ensure smooth processing and quick approval.
- Nationality: Applicant must be an Indian resident.
- Age: Between 21 to 60 years.
- Employment Type: Salaried employees (Government or Private), Self-employed individuals, Pensioners with a regular income source
- Minimum Income: ₹15,000 per month (may vary by region).
- CIBIL Score: Preferably above 700 for better interest rates.
Required Documents
The loan process is designed to be paper-light and simple. Here’s what you’ll need to keep ready:
- Aadhaar Card (for identity and address verification)
- PAN Card (for credit and tax records)
- Recent bank statement (last 3 months)
- Passport-size photograph
- Proof of income (salary slip or business income document)
In some cases, PNB may fetch your KYC details automatically through Aadhaar authentication, saving time and paperwork.
Step-by-Step Process to Apply
There are two convenient ways to apply for this loan online and offline.
Option 1: Online Application (Digital Method)
- Visit the official Punjab National Bank website or open the PNB One App.
- Go to the Personal Loan or Festive Loan section.
- Click on Apply Now and enter your basic details.
- Provide Aadhaar and PAN details for verification.
- Complete eKYC through OTP verification.
- Once approved, the loan amount is credited instantly to your bank account.
Option 2: Offline Application (Branch Visit)
- Visit your nearest PNB branch.
- Request the PNB Diwali Gift Loan application form.
- Submit your Aadhaar and PAN Card copies.
- Provide income proof and bank statement.
- After verification, the loan will be processed and disbursed within a short period.
Benefits
The biggest advantage of this offer is its speed and simplicity. Here’s why it’s a perfect choice this Diwali:
- Instant Disbursement: Quick processing with minimal waiting time.
- No Collateral: Unsecured loan – no need to pledge assets.
- Flexible Repayment: Tenure options suited to your budget.
- Low Interest Rates: Attractive festive discounts for PNB customers.
- Aadhaar-based eKYC: No lengthy paperwork, fully digital process.
- 24/7 Access: Apply anytime via mobile or website.
Interest Rate Details
PNB’s festive loans come with competitive interest rates, which may depend on your credit history and income profile.
| Category | Interest Rate (Approx.) | Tenure | Processing Fee |
|---|---|---|---|
| Salaried Individual | 10.99% – 12.50% | Up to 12 months | Nil / Minimal |
| Self-Employed | 11.25% – 13.00% | Up to 12 months | Applicable |
| Pensioners | 10.50% – 11.00% | Up to 12 months | Waived for festive offer |
PNB may also offer special rate concessions to existing customers who have active savings accounts or salary accounts with the bank.
Tips to Get Fast Approval
If you want your loan approved in minutes, follow these simple steps:
- Ensure your Aadhaar and PAN details are linked and active.
- Maintain a good credit score (above 700).
- Use your registered mobile number linked with Aadhaar for OTP.
- Keep documents scanned and ready for upload.
- Apply during working hours for faster verification.
Repayment and EMI Options
PNB offers flexible EMI plans depending on the amount and tenure. For a ₹50,000 loan over 12 months, your EMI could range between ₹4,450 – ₹4,700 per month, depending on your applicable interest rate.
You can repay through:
- Auto-debit from your PNB account
- Internet banking
- UPI-based payment setup
Late payments may attract nominal charges, so timely EMI payment is recommended.
Why Choose PNB for Your Festive Loan?
Punjab National Bank, being one of India’s most trusted public sector banks, ensures secure, transparent, and customer-friendly lending. With decades of experience and digital infrastructure, PNB combines reliability with convenience.
Key reasons to choose PNB:
- 24×7 digital loan platform
- Trusted national bank network
- Competitive festive offers
- Zero hidden charges
- Simple Aadhaar-based verification
Important Notes
- The festive loan offer is valid for a limited period, likely till November 2025.
- Loan approval is subject to internal verification and credit checks.
- Terms and conditions may vary depending on region and applicant category.
Official Punjab National Bank Website: Click Here
PNB Personal Loan Page: Click Here
PNB One Mobile App (Google Play Store): Click Here
Final Thoughts
The PNB Diwali Gift Loan Offer is a thoughtful initiative for those looking to celebrate Diwali without financial stress. Whether it’s buying gifts, home renovation, or organizing festive gatherings, this small but timely loan can help make your festival more joyful. With just your Aadhaar and PAN, you can access funds in minutes and enjoy a hassle-free Diwali celebration. PNB’s trusted services and easy digital process make this festive season even more rewarding for everyone.
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