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PNB Housing Finance Limited (PNBHFL) offers home loans for purchase, construction, repair, renovation and extension of house/property. The HFC also offers special affordable housing loan scheme branded as Roshni Home Loans, designed for low income applicants having adequate home loan repayment capacity, with or without formal income proofs.
Personalised Interest Rates
Rates Based on Customer Profile
Customised Loan Eligibility
Approval for High LTV and FOIR
No Hidden Fees or Charges
No Additional Fee Charged from Applicants
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required
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Personalised Interest Rates
Rates Based on Customer Profile
Customised Loan Eligibility
Approval for High LTV and FOIR
No Hidden Fees or Charges
No Additional Fee Charged from Applicants
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required
Compare & Choose the Best Offer
Curated Offers from Multiple Lenders
Highest Loan Approval Chances
Easy & Transparent Borrowing Process
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
| Particulars | Details |
|---|---|
| Interest Rate | 7.50% p.a. onwards |
| Minimum Loan Amount | Rs. 30 lakh |
| LTV Ratio | Up to 75% of property value |
| Loan Tenure | Up to 30 years |
| Processing Charges |
|
| Minimum Monthly Income | Rs. 30,000 - Rs. 35,000 |
| Minimum Credit Score | 800 and above |
Note: Last updated on 4th February 2026
PNB Housing Finance offers home loans starting from 7.50% p.a. onwards, based on the loan amount, credit score, employment type and type of home loan scheme offered to its home loan applicants. Below mentioned are the home loan interest rates set by PNB Housing Finance based on the loan amount, occupation profile, credit score and home loan schemes:
| Credit Score | Interest Rate (p.a.) | |
|---|---|---|
| Salaried | Non-salaried | |
| >=825 | 7.75% | 8.00% |
| >800 to 825 | 8.40% | 8.70% |
| >775 to 799 | 8.50% | 8.80% |
| >750 to <=775 | 8.60% | 8.90% |
| > 725 to <=750 | 8.75% | 9.05% |
| > 700 to <=725 | 9.10% | 9.40% |
| >650 to <=700 | 9.75% | 10.05% |
| Up to 650 | 9.75% | 10.05% |
| NTC Cibil >170 | 9.55% | 9.85% |
| NTC Cibil <=170 | 9.65% | 9.95% |
| Credit Score | Interest Rate (p.a.) | |
|---|---|---|
| Salaried | Non-salaried | |
| >=825 | 7.60% | 7.85% |
| >800 to 825 | 8.30% | 8.60% |
| >775 to 799 | 8.40% | 8.70% |
| >750 to =775 | 8.50% | 8.80% |
| >725 to =750 | 8.65% | 8.95% |
| >700 to = 725 | 9.00% | 9.30% |
| >650 to = 700 | 9.65% | 9.95% |
| Up to 650 | 9.65% | 9.95% |
| NTC Cibil >170 | 9.45% | 9.75% |
| NTC Cibil <=170 | 9.55% | 9.85% |
| Credit Score | Interest Rate (p.a.) | |
|---|---|---|
| Salaried | Non-salaried | |
| >=825 | 7.50% | 7.75% |
| >800 to 825 | 8.20% | 8.50% |
| >775 to 799 | 8.30% | 8.60% |
| >750 to =775 | 8.40% | 8.70% |
| >725 to =750 | 8.55% | 8.85% |
| >700 to = 725 | 8.90% | 9.20% |
| >650 to = 700 | 9.55% | 9.85% |
| Up to 650 | 9.55% | 9.85% |
| NTC Cibil >170 | 9.35% | 9.65% |
| NTC Cibil <=170 | 9.45% | 9.75% |
| Profile | Interest Rate (p.a.) |
|---|---|
| Salaried | 9.49% |
| Self-employed Non-Professionals | 10.49% |
| Name of Lender | Interest Rates |
|---|---|
| Axis Bank | 8.00% p.a. |
| Bajaj Housing Finance | 7.15% p.a. |
| Bank of India | 7.10% p.a. |
| Canara Bank | 7.15% p.a. |
| Easy Home Finance | 8.99% p.a. |
| Federal Bank | 8.75% p.a. |
| Godrej Housing Finance | 7.60% p.a. |
| HDFC Bank | 7.20%* p.a. |
| HDFC Sales Pvt. Ltd. | 7.20%* p.a. |
| Home First Finance | 8.00% p.a. |
| ICICI Bank | 7.45% p.a. |
| IDBI Bank | 7.35% p.a. |
| IDFC FIRST Bank | 8.85% p.a. |
| India Shelter Home Loan | 8.43% p.a. |
| Jio Housing Finance | 8.20% p.a. |
| L&T Finance Limited | 7.65%* p.a. |
| Piramal Capital Housing Finance | 9.99% p.a. |
| Punjab & Sind Bank | 7.30% p.a. |
| Punjab National Bank | 7.20% p.a. |
| RBL Bank | 8.20% p.a. |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% p.a. |
| Shubham Housing Finance | 10.45% p.a. |
| State Bank of India | 7.25% p.a. |
| Tata Capital Housing Finance | 7.50% p.a. |
*when applied through Paisabazaar
Rates as of 4th February 2026
Below-mentioned are the home loan processing fees and other charges levied by PNB Housing Finance:-
| Particulars | Charges |
|---|---|
| Processing fees |
|
| Part or Full Prepayment Charges | On the floating rate of interest by the individual borrower: No charges
On the floating rate of interest by non-individual borrower being applicant or co-applicant: 2% of principal prepaid On the fixed rate of interest by the individual borrower: 3% of principal prepaid; if prepayment is my own source then no fee is applicable On the fixed rate of interest by non-individual borrower being applicant or co-applicant: 3% of principal prepaid |
| Cheque/NACH Mandate Form return (Bounce Charges) | a. Rs 750 + GST (1st Bounce) b. Rs 1,000 + GST (2nd Bounce - Same Instrument Representation) |
| CERSAI Fees | For loans disbursed after January 31, 2016: Rs. 100
For loans disbursed prior to January 31, 2016: Rs. 500 |
| Conversion of Rate of Interest | Floating to Floating Rate of Interest (reduction in rate): 0.50% of principal outstanding
Fixed to Floating Rate of Interest: 3% of principal outstanding |
| Overdue Charge | 24% p.a on unpaid EMI for the delayed period |
| Legal/Recovery/Title Search Fees | As per actuals |
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Purpose: Individuals can avail Home Extension Loans from PNB Housing Finance to add more space to their existing house.
Purpose: PNB Housing offers Home Improvement Loan to carry out upgradation or repair or tiling or flooring/roofing/water-proofing/plumbing/false-ceiling/electrical work/woodwork of existing residential properties.
Purpose: PNB Housing offers NRI Home loans to Non-Resident Indians and Person of Indian Origin to finance their purchase, construction, improvement, and renovation of residential properties in India.
Applicants who want to apply for Home Purchase Loans should fulfill the below-mentioned home loan eligibility criteria:-
The documents required for home loan from PNB Housing Finance for different schemes are here forth:-
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
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