PNB Housing Finance Home Loan Highlights 2022 | |
Interest Rate | 7.50% – 16.75% p.a. |
Loan Amount | Rs 8 lakh onwards |
LTV Ratio | Up to 90% of property value |
Loan Tenure | Up to 30 years |
Processing Charges | Up to 1% of loan amount + GST |
Minimum Monthly Income | Rs 15,000 |
Minimum Credit Score | 611 and above |
Note: Rates as of 4th August 2022
Also Read: Have ‘No’ or ‘Low’ Credit Score? Use Step UP Credit Card to Build/Improve your Credit Score

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Table of Contents
PNB HFL Home Loan Interest Rates – 2022
PNB Housing Home Loan
For loan amount up to Rs. 35 lakh
Credit Score | Salaried/Self-Employed Professional (p.a.) | Self-Employed Non-Professional (p.a.) |
>= 800 | 7.50%-8.00% | 7.60%-8.10% |
>775 to 799 | 7.55%-8.05% | 7.75%-8.25% |
>750 to <=775 | 7.70%-8.20% | 7.90%-8.40% |
> 725 to < =750 | 8.00%-8.50% | 8.35%-8.85% |
> 700 to <= 725 | 8.30%-8.80% | 8.65%-9.15% |
> 650 to <= 700 | 9.40%-9.90% | 9.75%-10.25% |
upto 650 | 9.60%-10.10% | 9.95%-10.45% |
NTC** Cibil >170 | 9.65%-10.15% | 9.95%-10.45% |
NTC** Cibil <=170 | 8.95%-9.45% | 9.30%-9.80% |
For a loan amount greater than Rs 35 lakh
Credit Score | Salaried/Self-Employed Professional (p.a.) | Self-Employed Non-Professional (p.a.) |
>= 800 | 7.60%-8.10% | 7.85%-8.35% |
>775 to 799 | 7.65%-8.15% | 7.90%-8.40% |
>750 to <=775 | 7.80%-8.30% | 8.25%-8.75% |
> 725 to <=750 | 8.15%-8.65% | 8.40%-8.90% |
> 700 to <=725 | 8.50%-9.00% | 8.85%-9.35% |
> 650 to <=700 | 9.60%-10.10% | 9.95%-10.45% |
upto 650 | 9.80%-10.30% | 10.15%-10.65% |
NTC** Cibil >170 | 9.85%-10.35% | 10.20%-10.70% |
NTC** Cibil <=170 | 9.15%-9.65% | 9.50%-10.00% |

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PNB Housing Plot Loan
For Loan Amount Up to Rs 35 lakh
Credit Score | Salaried/Self-Employed Professional (p.a.) | Self-Employed Non-Professional (p.a.) |
>= 800 | 8.50%-9.00% | 8.60%-9.10% |
>775 to 799 | 8.55%-9.05% | 8.75%-9.25% |
>750 to <=775 | 8.70%-9.20% | 8.90%-9.40% |
> 725 to <=750 | 9.00%-9.50% | 9.35%-9.85% |
> 700 to <=725 | 9.30%-9.80% | 9.65%-10.15% |
> 650 to <=700 | 10.40%-10.90% | 10.75%-11.25% |
upto 650 | 10.60%-11.10% | 10.95%-11.45% |
NTC** Cibil >170 | 10.65%-11.15% | 10.95%-11.45% |
NTC** Cibil <=170 | 9.95%-10.45% | 10.30%-10.80% |
For Loan Amount above Rs 35 lakh
Credit Score | Salaried/Self-Employed Professional (p.a.) | Self-Employed Non-Professional (p.a.) |
>= 800 | 8.60%-9.10% | 8.85%-9.35% |
>775 to 799 | 8.65%-9.15% | 8.90%-9.40% |
>750 to <=775 | 8.80%-9.30% | 9.25%-9.75% |
> 725 to <=750 | 9.15%-9.65% | 9.40%-9.90% |
> 700 to <=725 | 9.50%-10.00 | 9.85%-10.35% |
> 650 to <=700 | 10.60%-11.10% | 10.95%-11.45% |
upto 650 | 10.80%-11.30% | 11.15%-11.65% |
NTC** Cibil >170 | 10.85%-11.35% | 11.20%-11.70% |
NTC** Cibil <=170 | 10.15%-10.65% | 10.50%-11.00% |
For Unnati Home Loan
Credit Score | Salaried | Self-employed | Cash Salaried | |||
DA/Municipal limits | Non DA/ Gram Panchayat/ Others | DA/Municipal limits | Non DA/ Gram Panchayat/ Others | DA/Municipal limits | Non DA/ Gram Panchayat/ Others | |
< 700 | 12.00% | 14.00% | 13.50% | 15.50% | 15.50% | 16.50% |
> 700 to < 725 | 10.75% | 12.75% | 12.00% | 14.00% | 14.00% | 15.00% |
> 725 to < 750 | 10.75% | 12.50% | 12.00% | 13.75% | 13.50% | 14.75% |
> 750 to < 775 | 10.75% | 12.00% | 12.00% | 13.25% | 13.25% | 14.25% |
775+ | 10.75% | 11.75% | 12.00% | 13.00% | 13.00% | 14.00% |
NTC (<170) | 12.00% | 14.00% | 13.50% | 15.50% | 15.50% | 16.50% |
NTC (>170) | 11.25% | 12.75% | 12.50% | 14.00% | 13.50% | 15.00% |
Caution Profile: 0.25% would be levied extra

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Compare PNBHFL Home Loan Interest Rates with Other Lenders
Interest Rates (% p.a.) | |||
Name of Lender | Up to Rs 30 Lakh | Above Rs 30 Lakh & up to Rs 75 Lakh | Above Rs 75 Lakh |
PNB Housing Finance | 7.50 – 16.75 | 7.50 – 16.75 | 7.60 – 10.70 |
State Bank of India | 7.55-8.55 | 7.55-8.45 | 7.55-8.45 |
HDFC | 7.55-8.75 | 7.55-9.00 | 7.55-9.10 |
ICICI Bank | 7.60-8.20 | 7.60-8.35 | 7.60-8.45 |
Kotak Mahindra Bank | 7.50 onwards | 7.50 onwards | 7.50 onwards |
Punjab National Bank | 7.45-8.85 | 7.40-8.55 | 7.40-8.50 |
Bank of Baroda | 7.45-8.95 | 7.45-8.95 | 7.45-9.20 |
Union Bank of India | 7.40- 9.15 | 7.40- 9.35 | 7.40- 9.35 |
IDFC First Bank | 7.50 onwards | 7.50 onwards | 7.50 onwards |
L&T Housing Finance | 7.70-8.70 | 7.70-8.70 | 7.70-8.70 |
Bajaj Housing Finance | 7.20 onwards | 7.20 onwards | 7.20 onwards |
Godrej Housing Finance | 7.54-10.99 | 7.54-10.99 | 7.54-10.99 |
Tata Capital | 7.75 onwards | 7.75 onwards | 7.75 onwards |
LIC Housing Finance | 7.50-8.60 | 7.50-8.80 | 7.50-9.00 |
Federal Bank | 8.55-8.70 | 8.55-8.70 | 8.55-8.70 |

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PNBHFL Home Loan Processing Fees & Charges
Particulars | Charges |
Processing fees | 0.5% of loan amount subject to a min. of Rs. 10,000 |
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 | Rs. 500 |
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: 0.50% of principal outstanding Fixed to Floating Rate of Interest: 2% of principal outstanding |
Overdue Charge | 2% per month on overdue payment |
Legal/Recovery/Title Search Fees | As per actuals |

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Types of PNB Housing Finance Home Loan
Home Purchase Loan
Purpose: For purchase, development and expansion of residential properties
Home Construction Loan
Purpose: For construction of a residential property.
Home Extension Loan
Purpose: For adding more space to their existing house as per their growing family requirements.
Home Improvement Loan
Purpose: For complete renovation/upgradation/repair/tiling/flooring/roofing/water-proofing/plumbing/false-ceiling/electrical work/wood work of existing residential property
PNBHFL Residential Plot Loan
Purpose: For purchase of residential plot in an urban area.
Home Loan for NRIs
Purpose: For purchase, construction, improvement, and renovation of residential property in India for NRIs and Person of Indian Origin
PNBHFL Unnati Home Loan
Purpose: For individuals with or without a formal income proof but have sufficient income to serve the obligations
Loan Amount: Up to Rs 35 lakh
LTV Ratio: Up to 90% of property value
Tenure: Up to 30 years
Eligibility Criteria for PNB Housing Finance Home Loan
- Salaried/Self-employed Professional/Self-employed Non-Professional
- Age: 21-70 years
- Nationality: Indian Resident, NRI, PIO
- Minimum Work Experience: 3 years
- Credit Score: 611 and above
Eligibility For PNB HFL Unnati Home Loans
- Employees of stable and local business entity such as petrol pump, jewellery shop, garment shop, etc.
- Employer’s business can be a partnership/proprietorship/private limited/limited company/trust, etc.
- Self-employed applicants with no formal income proof but sufficient income to serve the EMI

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Documents Required for PNB HFL Home Loan
- Duly filled and signed home loan application form
- Passport size photographs
- Proof of Age (Anyone): Aadhaar Card / PAN Card / Passport / Any other Certificate from Statutory Authority
- Proof of Identity (Anyone):Aadhaar Card / PAN Card / Passport / Driving License / Voter ID Card
- Proof of Residence (Anyone):Aadhaar Card / Passport / Driving License / Telephone Bill / Ration Card / Election Card / Any other Certificate from Statutory Authority
- Proof of Education Qualification: A photocopy of your last degree
- Property Documents: A photocopy of Title Documents of the Property and Approved Plan
- Account Statement: Last 6 months’ bank account statements for salaried applicants. And Last 12 months’ bank account statements for self-employed applicants
- Proof of Income (For Salaried): Salary Slips of last 3 months and a copy of Form 16 for last 2 years
- Proof of Income (For Non-Salaried): Certificate & Proof of business existence along with Business Profile, IT returns for last 3 years, Balance Sheets & Profit & Loss A/c for last 3 years duly certified/audited by a Chartered Accountant
- Processing Fee cheque in favor of ‘PNB Housing Finance Ltd.

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PNB HFL Home Loan EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395

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FAQs
1. What is the minimum credit score required by PNB Housing for availing home loans?
Ans. The home loan applicants need to have a minimum credit score of 611 for availing home loans from PNB Housing Finance.
2. Can I take two home loans at the same time?
Ans. Yes, you can take two home loans at the same time. However, you need to have adequate repayment capacity for repaying two home loans.
3. How long does it take for the approval of home loan?
Ans. PNB Housing usually takes 5-7 days for the approving home loan applications. However, if the applicant fails to present the income or property documents, the approval process might get delayed.
4. Can I get a joint home loan from PNB Housing Finance?
Ans. Yes, you can apply for a joint home loan with your immediate family member at PNB Housing Finance. Joint home loans are more likely to get approved than individual home loans. Availing joint home loan can also help in availing higher income tax benefit.
5. Can a higher credit score help in availing home loan at lower interest rates?
Ans. Yes, PNB Housing Finance sets lower home loan interest rates for applicants having higher credit score. For eg., PNB Housing Finance has set lowest interest rate slabs for applicants having credit scores of 800 and above whereas the highest rate slabs have been set for applicants having credit scores of 650 and lower.