Verified Partner Bank
4.6 / 5.0 (190 reviews)
Punjab National Bank (PNB) Home Loan
Interest Rates Starting at 8.45% – 9.20% p.a.
Bank Photo Gallery & Property Financing Visuals
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Tailored Loan Products
Popular Punjab National Bank (PNB) Home Loan Schemes
Special schemes designed for regular home buyers, overdraft savings, and plot purchases
8.45% p.a.PNB Pride Housing Loan
Special concession for defense personnel & govt employees.
Tailored repayment structures with zero processing fee for govt servants.
Min Income: ₹20,000 /mo
Key Details & Loan Terms
Interest Rate Range
8.45% – 9.20% p.a.
Processing Fee
0.35% of loan amount (Max ₹15,000)
Max Loan Amount
Up to ₹5 Crore
Max Tenure
Up to 30 Years
Loan-To-Value (LTV) Ratio
Up to 90% of Property Cost
Prepayment Charges
Nil for Floating Rate
Special Benefits & Features
PNB Max-Saver Overdraft Facility
Concession for Central/State Govt Employees
Flexible Moratorium Period during construction
Lower Margin Money Requirements
Eligibility Criteria Note:
Salaried employee with min 2 years service or business owner with 3 years operational history.
Calculate Your EMI with Punjab National Bank (PNB)
Pre-filled with Punjab National Bank (PNB)'s lowest rate (8.45% p.a.)
Rate: 8.45% p.a.
Loan Amount₹50.0 Lakhs
₹5 Lakhs₹5 Crore
Interest Rate (% p.a.)8.45%
8.45% (Min)9.2% (Max)
Tenure (Years)20 Years
1 Year30 Years
Estimated Monthly EMI
₹43,233/mo
Principal Amount:₹50,00,000
Total Interest Payable:₹53,75,920
Total Payment:₹1,03,75,920