Punjab National Bank Home Loan-2025
Make your dream of owning a home come true with Punjab National Bank Home Loan. Whether you’re purchasing a flat, building your dream house, or renovating your existing home, PNB offers the perfect home loan solution for you. Apply online today for a quick and hassle-free experience!
Punjab National Bank Home Loan-2025
Punjab National Bank (PNB) Home Loan offers a wide range of financing options of up to ₹1 crore at attractive and competitive rates, starting from 7.45% p.a. Designed to suit the needs of salaried employees, self-employed professionals, and NRIs, PNB Home Loan ensures flexibility, minimal paperwork, and quick disbursal. With a repayment tenure of up to 30 years, it provides a convenient path to homeownership.
For first-time buyers, understanding home loan details can be overwhelming. This comprehensive guide will help you explore PNB Home Loan interest rates, eligibility, features, and application steps — making your home loan journey simpler and more informed.
Punjab National Bank Home Loan Interest Rate
Financing your dream home—whether it’s for purchase, construction, or renovation—has never been easier with Punjab National Bank (PNB) Home Loan. At PNB, we strive to make homeownership affordable by offering competitive and flexible home loan interest rates for both salaried and self-employed individuals.
| Credit Score | Salaried (Starting from) | Non-Salaried (Starting from) |
| ≥ 825 | 8.25% p.a. | 8.55% p.a. |
| 800 – 824 | 8.80% p.a. | 8.90% p.a. |
| 775 – 799 | 9.05% p.a. | 9.55% p.a. |
| 750 – 774 | 9.15% p.a. | 9.70% p.a. |
| 725 – 749 | 9.40% p.a. | 10.10% p.a. |
| 700 – 724 | 9.75% p.a. | 10.45% p.a. |
| 650 – 699 | 10.15% p.a. | 10.65% p.a. |
| Up to 650 | 10.15% p.a. | 10.65% p.a. |
| NTC CIBIL ≥ 170 | 9.95% p.a. | 10.35% p.a. |
| NTC CIBIL < 170 | 10.05% p.a. | 10.45% p.a. |
Note: All PNB Home Loans are offered at floating interest rates, ensuring transparency and flexibility for borrowers.
Punjab National Bank Home Loan Overview
Punjab National Bank (PNB) is well-known for its home loans, offering attractive features and flexible options to make your home-buying journey smooth and affordable. Here’s a quick look at the key details:
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Interest Rate: PNB provides competitive Punjab Bank home loan interest rates to make borrowing more affordable. Various PNB home loan rates are available, including fixed, floating, and hybrid options, catering to different preferences.
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Loan Amount: PNB offers a wide range of loan amounts based on your eligibility and financial needs.
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Processing Fees: Nominal processing fees are charged, keeping the application process simple and cost-effective.
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Prepayment/Foreclosure Charges: Borrowers can prepay or foreclose their home loans with minimal charges.
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Maximum Tenure: Extended repayment tenures are available, making EMIs easier to manage over a longer period.
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Rate Packages Available: Choose from various Punjab National Bank housing loan interest rates through fixed, floating, or hybrid packages to suit your financial planning.
With flexible terms and attractive PNB home loan interest rates, Punjab National Bank ensures a convenient and affordable path to homeownership.
Punjab National Bank Home Loan Highlights
Punjab National Bank Home Loan is trusted for its attractive features and flexible options, making your home-buying journey smooth and affordable. PNB and PNB Housing Finance provide loans for purchasing newly built homes, plots, properties under construction, or pre-owned homes. You can also use the loan for home development or renovation. Moreover, the loan amount can be revised in case of cost escalation. With competitive Punjab Bank home loan interest rates and a transparent PNB home loan rate structure, achieving your dream home has never been easier.
Following is a tabulated illustration defining the key features of Punjab National Bank home loans to help individuals make informed decisions:
| Credit Score | ROI | City | Loan Amount ≤ ₹30 Lakh | Loan Amount ₹30–75 Lakh | Loan Amount > ₹75 Lakh | Process | Charges |
| ≥800 | 7.45% | – | 90% | 80% | 75% | – | – |
| 750–799 | 7.50% | Bangalore | 90% | 80% | 75% | Legal | – |
| 700–749 | 7.95% | Mumbai | – | 80% | 75% | Technical | – |
| -1 (NTC) | 7.50% | Pune | – | – | 75% | MODT | 0.60% |
| – | – | Chennai | – | – | – | MODT (Mumbai/Pune) | 0.30% |
| – | – | Delhi | – | – | – | NOI (Mumbai/Pune) | 0.5% (Max ₹17,500) |
Key Features of PNB Home Loan
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Interest Rate Based on Credit Score
The Punjab National Bank Home Loan interest is designed to reward good credit behavior. Applicants with higher credit scores get lower interest rates, making repayments more affordable. Interest rates range from 8.20% for credit scores between 750–799 to 10.00% for scores between 600–699, ensuring a fair Punjab National Bank housing loan interest rate for all borrowers.
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Maximum Funding Percentage
PNB offers flexible funding options based on the loan amount to help you achieve homeownership:
- Up to 90% funding for loans up to ₹30 Lakh — lower down payment, easier access.
- Up to 80% funding for loans between ₹30–75 Lakh — balanced contribution.
- Up to 75% funding for loans above ₹75 Lakh — higher borrower contribution for larger loans.
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City-Wise Maximum Funding
Funding percentages vary by city to provide customized solutions:
- Bangalore: 90% for loans up to ₹30 Lakh, 80% for ₹30–75 Lakh, 75% for loans above ₹75 Lakh.
- Pune: Maximum funding available; MODT charges 0.60%.
- Chennai: Maximum funding available; MODT charges 0.30%.
- Delhi: Maximum funding available; subject to NOI charges capped at ₹17,500 or 0.5% of the loan amount.
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Processing Fees and Other Charges
PNB applies nominal fees to cover loan-related expenses:
- Processing Fee: Applicable; confirmed during application.
- Legal Fees: Vary by city and loan type.
- Technical Fees: For property verification and evaluation.
- MODT (Memorandum of Deposit of Title Deed): 0.60% on all loans.
- MODT – Mumbai & Pune: 0.30% for specific locations.
- NOI (Notice of Intimation) – Mumbai & Pune: 0.5% of loan amount, capped at ₹17,500.
With competitive Punjab National Bank housing loan interest rates and flexible funding options, PNB ensures a smooth, affordable, and transparent home loan experience for all borrowers.
Punjab National Bank Home Loan Types
Punjab National Bank offers a variety of PNB Home Loan options to suit different financial needs and borrowers. Here’s a detailed overview:
1. PNB Max Saver Housing Finance Scheme:
The PNB Max Saver loan helps borrowers save while buying a home. Extra funds can be deposited in an overdraft account and withdrawn as needed, up to the drawing power. The scheme offers a repayment tenure of up to 30 years.
Key Features:
- Minimum loan amount: ₹10 lakhs
- PNB home loan interest rate: 8.55% p.a.
- Flexible overdraft facility for surplus funds
2. PNB Pride Housing Loan:
Exclusively for permanent government employees (central, state, or paramilitary), this loan offers flexibility in repayment, ensuring peace of mind.
Key Features:
- Repayment tenure: Up to 15 years for repairs/renovations; up to 30 years for other purposes
- PNB home loan interest rate: 8.50% for loans up to ₹75 lakhs; 8.55% for loans above ₹75 lakhs
3. Public Housing Loan:
Aimed at all eligible individuals, this loan allows home purchase, construction, or renovation without a maximum loan cap, subject to the Loan-to-Value (LTV) ratio.
Key Features:
- Eligibility: Individuals with a regular income
- Maximum funding: ₹50 lakhs for land purchase or home renovation
- Competitive Punjab National Bank home loan interest
4. PNB Gen-Next Housing Finance Scheme:
Designed for salaried professionals below 40 years of age with over 3 years of experience and a minimum monthly income of ₹35,000.
Key Features:
- Loan range: ₹20 lakhs and above, depending on need
- Collateral: Registered mortgage or equivalent
- Affordable PNB home loan interest rate
5. Roshni Home Loans:
This scheme targets low to middle-income families, including first-time borrowers and the self-employed, in Tier 1 and Tier 2 cities.
Key Features:
- Minimum monthly income: ₹10,000
- Loan range: ₹5 lakhs – ₹30 lakhs
- Flexible repayment options with competitive Punjab National Bank home loan interest
6. PNB Pradhan Mantri Awas Yojana (PMAY):
This scheme supports Economically Weaker Section (EWS), Low Income Group (LIG), and Middle Income Groups (MIG-I & MIG-II) in purchasing, constructing, or expanding homes under the Credit-Linked Subsidy Scheme (CLSS). Beneficiaries can receive an interest subsidy of up to 6.5% per annum based on their category.
| Category | Annual Family Income | Interest Subsidy |
| Middle Income Group – I | ₹6 lakh – ₹12 lakh | 4% |
| Middle Income Group – II | ₹12 lakh – ₹18 lakh | 3% |
| Low Income Group (LIG) | ₹3 lakh – ₹6 lakh | 6.5% |
| Economically Weaker Section (EWS) | Up to ₹3 lakh | 6.5% |
Note: All values are subject to change. For updated details on PNB home loan interest rates or schemes, visit the official Punjab National Bank website or your nearest branch.
PNB Home Loan EMI Calculator
Planning to avail a PNB Home Loan? Use the Home Loan EMI Calculator provided by BankBazaar to estimate your monthly EMIs. Simply enter the loan amount, tenure, Punjab National Bank home loan interest, processing fees, and other details, then click Calculate.
The calculator also provides an amortization table, showing how each EMI is split between principal and interest on a monthly and yearly basis. This helps you plan your finances efficiently.
Punjab National Bank Home Loan Eligibility Criteria
To avail a PNB Home Loan, applicants must meet the following criteria:
- Available for both individual and joint applicants
- Minimum age: 18 years
- Maximum age at loan maturity: 70 years
- Must have a regular source of income
Documents Required for Punjab National Bank Home Loan
To apply for a PNB Home Loan, submit the following documents:
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Completed loan application form
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Recent photograph
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Proof of identity, residence, and age
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Educational qualification proof
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Income proof (salary slips, ITR, bank statements)
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Property documents
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Bank statements for the last 6 months
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Income proof of joint borrowers/spouse/earning children (if applicable)
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ITR for the last 3 years
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Assessment order and income computation
Additional documents based on employment type:
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Salaried: Salary certificate or ITR showing gross/net salary, last 6 months’ salary account statements
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Agriculturist: Record of cropping pattern, landholding, or other proof of income
Note: Bank officials may request additional documents depending on the case. Always verify with the branch before submission.
With accurate calculations using the PNB Home Loan EMI Calculator and a clear understanding of the PNB home loan interest rate, planning your home loan repayment becomes easier and hassle-free.
How to Apply for a Punjab National Bank Home Loan
Applying for a PNB Home Loan is simple and convenient, especially with services like NoBroker Home Loan. Follow this step-by-step guide to apply for a Punjab National Bank housing loan:
1. NoBroker Home Loan Services:
Easily avail a Punjab Bank Home Loan through NoBroker’s online platform. Log in to the NoBroker Home Loan website and select Punjab National Bank as your lender.
2. Fill in Details and Upload Documents:
Provide your personal and financial details, including:
- Name, phone number, and contact details
- Income and employment/business information
- Desired loan amount
Upload the necessary documents:
- Proof of identity and residence
- Income proof
- Property documents
3. Submit Your Application:
Review your details and documents, then submit the application for processing.
4. Application Review:
The bank will review your application and may request additional documents if required.
5. Loan Approval and Disbursement:
Once approved, the PNB Home Loan amount will be disbursed to your account.
Tip: Before applying, check your eligibility using the NoBroker Home Loan Eligibility Calculator. You can also calculate your EMIs using the NoBroker Home Loan EMI Calculator based on your PNB home loan rate.
Tips to Avail Low-Interest Punjab National Bank Home Loans
The Punjab National Bank housing loan interest rate depends on factors such as income, loan amount, employment type, and CIBIL score. Here are some ways to secure a lower interest rate:
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Increase Loan Tenure and Down Payment
- For loans up to ₹35 lakh, making a larger down payment reduces your loan amount.
- opt for a longer repayment tenure (15–20+ years) to lower monthly EMIs.
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Choose the Right Interest Type
- Fixed rate: Remains constant for a specific period.
- Floating rate: Varies with market interest rates; generally slightly higher than fixed rates.
- Select wisely based on your financial plan and market conditions.
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Maintain a Steady Income and Employment
- A regular income and at least 3 years of professional experience can make you eligible for a lower Punjab Bank home loan interest rate.
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Improve Your Credit Score
- A credit score of 750+ increases your chances of approval and accessing lower PNB home loan interest rates.
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Look for Offers and Promotions
- Keep an eye on special offers, partnerships, or bank promotions for slightly better interest rates than the market standard.
Punjab National Bank Home Loan Customer Care
If you have any queries or require assistance regarding Punjab National Bank Home Loans, contact their customer care team. Here are the contact details for Punjab National Bank Home Loan Customer Care:
| Toll-Free Number | 1800 180 2222 |
Feel free to contact them for any information or support related to your Punjab National Bank Home Loan journey.
How NoBroker Helps You
NoBroker simplifies your PNB Home Loan journey by providing a hassle-free, online platform to apply directly, without any middlemen or brokers. With NoBroker, you can:
- Check eligibility instantly using the Home Loan Eligibility Calculator.
- Estimate EMIs easily with the Home Loan EMI Calculator based on your loan amount, tenure, and interest rate.
- Upload documents online without visiting multiple bank branches.
- Get expert support throughout the loan process, from application to disbursement.
- Save time and avoid extra charges by cutting out brokers.
With NoBroker, availing a PNB Home Loan becomes transparent, quick, and stress-free, helping you move one step closer to your dream home.
Conclusion
Take advantage of Punjab National Bank’s home loan offerings, which include competitive interest rates, flexible loan options, and a wide range of schemes, to fulfil your dream of owning a home. This blog has provided insights into Punjab National Bank’s home loan details, interest rates, eligibility requirements, the application process, and customer care contacts. Utilise this information and embark on your journey to homeownership with Punjab National Bank Home Loans.
