Clean EMI is a private facilitation service that prepares and forwards loan applications to Punjab National Bank and 11 other Public Sector Undertaking (PSU) banks. Our team checks your CIBIL score and documents before your file reaches a Punjab National Bank branch, so you visit only once the paperwork is in order. Punjab National Bank alone reviews, sanctions and disburses any loan — Clean EMI does not sanction loans and is not affiliated with, operated by, or endorsed by the Government of India or Punjab National Bank.
Punjab National Bank is one of the 12 PSU banks on this portal, and is empanelled for every loan category listed below. A CIBIL score of 700 or above is required across all of them.
Fill the eligibility form and choose Punjab National Bank as your preferred bank. We run a CIBIL check and verify your documents.
Once your file is complete, we forward it to a Punjab National Bank branch matched to your loan category and location.
You visit the branch for final verification; Punjab National Bank independently reviews, sanctions and disburses the loan.
PNB branch verification typically asks for the same core documents as any PSU home/LAP loan — PAN, Aadhaar, address proof, income proof and bank statements — plus property or business documents specific to the loan type.
Yes. Punjab National Bank is one of the 12 PSU banks this portal routes applications to, subject to eligibility and document verification.
A CIBIL score of 700 or above is required to proceed with an application, across every PSU bank on this portal, including Punjab National Bank.
Fill the eligibility form, choose Punjab National Bank as your preferred bank, and our team verifies your documents before forwarding your file to the nearest branch.
No. Clean EMI is a private, independent loan facilitation service. It is not a bank, not a government body, and not affiliated with Punjab National Bank. Loans are sanctioned and disbursed solely by Punjab National Bank.
Fill the eligibility form; we check your CIBIL and documents.
We identify the right PSU bank and scheme for your profile.
You visit once; the bank reviews, sanctions and disburses.
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