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PNB Housing Finance Home Loan Highlights
| Particulars | Details |
| Interest Rate | 8.25% – 14.50% p.a. |
| 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: Last updated on 25 June 2025
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PNB Housing Finance Home Loan Interest Rates
PNB Housing Finance Home Loan interest rates start from 8.25% 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:
PNB Housing Home Loan Interest Rates
For Loan Amounts up to Rs 35 lakh
| Credit Score | Interest Rate (p.a.) | |
| Salaried | Non-salaried | |
| >=825 | 8.25% to 8.75% | 8.55% to 9.05% |
| >800 to 825 | 8.80% to 9.30% | 8.90% to 9.40% |
| >775 to 799 | 9.05% to 9.55% | 9.55% to 10.05% |
| >750 to <=775 | 9.15% to 9.65% | 9.70% to 10.20% |
| > 725 to <=750 | 9.40% to 9.90% | 10.10% to 10.60% |
| > 700 to <=725 | 9.75% to 10.25% | 10.45% to 10.95% |
| >650 to <=700 | 10.15% to 10.65% | 10.65% to 11.15% |
| upto 650 | 10.15% to 10.65% | 10.65% to 11.15% |
| NTC Cibil >=170 | 9.95% to 10.45% | 10.35% to 10.85% |
| NTC Cibil <170 | 10.05% to 10.55% | 10.45% to 10.95% |
For Loan Amounts above 35 lakh
| Credit Score | Interest Rate (p.a.) | |
| Salaried | Non-salaried | |
| >=825 | 8.25% to 8.75% | 8.55% to 9.05% |
| >800 to 825 | 8.85% to 9.35% | 8.95% to 9.45% |
| >775 to 799 | 9.15% to 9.65% | 9.70% to 10.20% |
| >750 to =775 | 9.25% to 9.75% | 10.05% to 10.55% |
| >725 to =750 | 9.55% to 10.05% | 10.15% to 10.65% |
| >700 to = 725 | 9.95% to 10.45% | 10.65% to 11.15% |
| >650 to = 700 | 10.35% to 10.85% | 10.85% to 11.35% |
| upto 650 | 10.35% to 10.85% | 10.85% to 11.35% |
| NTC Cibil >=170 | 10.15% to 10.65% | 10.55% to 11.05% |
| NTC Cibil <170 | 10.25% to 10.75% | 10.65% to 11.15% |
| NTC** Cibil <=170 | 10.35%-10.85% | 10.75%-11.25% |
PNB Housing Plot Loan Interest Rates
For Loan Amounts up to Rs 35 lakh
| Credit Score | Interest Rate (p.a.) | |
| Salaried | Non-salaried | |
| >=825 | 8.25% to 8.75% | 8.55% to 9.05% |
| >800 to 825 | 8.80% to 9.30% | 8.90% to 9.40% |
| >775 to 799 | 9.05% to 9.55% | 9.55% to 10.05% |
| >750 to <=775 | 9.15% to 9.65% | 9.70% to 10.20% |
| > 725 to <=750 | 9.40% to 9.90% | 10.10% to 10.60% |
| > 700 to <=725 | 9.75% to 10.25% | 10.45% to 10.95% |
| >650 to <=700 | 10.15% to 10.65% | 10.65% to 11.15% |
| upto 650 | 10.15% to 10.65% | 10.65% to 11.15% |
| NTC Cibil >=170 | 9.95% to 10.45% | 10.35% to 10.85% |
| NTC Cibil <170 | 10.05% to 10.55% | 10.45% to 10.95% |
For Loan Amounts above Rs 35 lakh
| Credit Score | Interest Rate (p.a.) | |
| Salaried | Non-salaried | |
| >=825 | 8.25% to 8.75% | 8.55% to 9.05% |
| >800 to 825 | 8.85% to 9.35% | 8.95% to 9.45% |
| >775 to 799 | 9.15% to 9.65% | 9.70% to 10.20% |
| >750 to =775 | 9.25% to 9.75% | 10.05% to 10.55% |
| >725 to =750 | 9.55% to 10.05% | 10.15% to 10.65% |
| >700 to = 725 | 9.95% to 10.45% | 10.65% to 11.15% |
| >650 to = 700 | 10.35% to 10.85% | 10.85% to 11.35% |
| upto 650 | 10.35% to 10.85% | 10.85% to 11.35% |
| NTC Cibil >=170 | 10.15% to 10.65% | 10.55% to 11.05% |
| NTC Cibil <170 | 10.25% to 10.75% | 10.65% to 11.15% |
| NTC** Cibil <=170 | 10.35%-10.85% | 10.75%-11.25% |
PNB Housing Roshni Home Loan Interest Rates
| Profile | Interest Rate (p.a.) |
| Salaried | 10.50%-14.25% |
| Self-employed Non-Professionals | 11.50%-14.50% |
Compare PNB Housing Finance Home Loan Interest Rates with Other Lenders
| Name of Lender | Loans Up to Rs. 30 Lakh | Loans Above Rs. 30 Lakh to Rs. 75 Lakh | Loans Above Rs. 75 Lakh | |
| State Bank of India | 7.50%-8.70% p.a. | 7.50%-8.70% p.a. | 7.50%-8.70% p.a. | Check Eligibility |
| HDFC Bank Limited | 7.90% p.a. onwards | 7.90% p.a. onwards | 7.90% p.a. onwards | Check Eligibility |
| Bajaj Housing Finance | 7.49% p.a. onwards | 7.49% p.a. onwards | 7.49% p.a. onwards | Check Eligibility |
| ICICI Bank | 8.00% p.a. onwards | 8.00% p.a. onwards | 8.00% p.a. onwards | Check Eligibility |
| Axis Bank | 8.35%-11.90% p.a. | 8.35%-11.90% p.a. | 8.35%-11.90% p.a. | Check Eligibility |
| Federal Bank | 9.15% p.a. onwards | 9.15% p.a. onwards | 9.15% p.a. onwards | Check Eligibility |
| Punjab National Bank | 7.50% - 9.35% p.a. | 7.45% - 9.25% p.a. | 7.45% - 9.25% p.a. | Check Eligibility |
| Kotak Mahindra Bank | 7.99% p.a. onwards | 7.99% p.a. onwards | 7.99% p.a. onwards | Check Eligibility |
| Canara Bank | 7.50%-10.25% p.a. | 7.45% – 10.25% p.a. | 7.40% – 10.15% p.a. | Check Eligibility |
| IDFC FIRST Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Check Eligibility |
| IDBI Bank | 7.75% p.a. onwards | 7.75% p.a. onwards | 7.75% p.a. onwards | Check Eligibility |
| RBL Bank | 8.20% p.a. onwards | 8.20% p.a. onwards | 8.20% p.a. onwards | Check Eligibility |
| Tata Capital Housing Finance | 7.99% p.a. onwards | 7.99% p.a. onwards | 7.99% p.a. onwards | Check Eligibility |
| PNB Housing Finance | 8.25% - 11.50% p.a. | 8.25% - 11.50% p.a. | 8.25%-12.35% p.a. | Check Eligibility |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| India Shelter Home Loan | 10.00% - 24.00% p.a. | 10.00% - 24.00% p.a. | 10.00% - 24.00% p.a. | Check Eligibility |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Check Eligibility |
| Godrej Housing Finance | 8.55% p.a. onwards | 8.55% p.a. onwards | 8.55% p.a. onwards | Check Eligibility |
| Home First Finance | 11.90% - 15.00% p.a. | 11.90% - 15.00% p.a. | 11.90% - 15.00% p.a. | Check Eligibility |
| Easy Home Finance | 8.99% - 18.00% p.a. | 8.99% - 18.00% p.a. | 8.99% - 18.00% p.a. | Check Eligibility |
| Piramal Capital Housing Finance | 9.50% p.a. onwards | 9.50% p.a. onwards | 9.50% p.a. onwards | Check Eligibility |
Apply for PNBHFL Home Loan at Attractive Interest Rates Click Here
PNB Housing Finance Home Loan Processing Fees & Charges
Below-mentioned are the home loan processing fees and other charges levied by PNB Housing Finance:-
| Particulars | Charges |
| Processing fees | Up to 1% of the loan amount |
| 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 |
Types of PNB Housing Finance Home Loan
PNBHFL Home Purchase Loan
Purpose: PNB Housing offers home loans for the purchase, construction, improvement and extension of residential properties.
LTV Ratio: Up to 90% of property value
Tenure: Up to 30 years
PNBHFL Home Construction Loan
Purpose: Consumers can avail PNB Housing Finance Home Construction Loans to raise funds for constructing their residential properties.
Tenure: Up to 30 years
PNBHFL Home Extension Loan
Purpose: Individuals can avail Home Extension Loans from PNB Housing Finance to add more space to their existing house.
PNBHFL Home Improvement Loan
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.
PNBHFL Residential Plot Loan
Purpose: PNB Housing Home Loan applicants can avail Plot Loan to raise funds for the purchase of residential plots in urban areas.
LTV Ratio: Up to 70-75% of plot’s market value
PNBHFL Home Loan for NRIs
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.
PNBHFL Roshni Home Loan
Purpose: PNB Housing Roshni Home Loan is an affordable housing loan scheme for applicants who are new to credit or self-employed with informal income from a low/middle income group and with a monthly household income of at least Rs 10,000.
Loan Amount: Rs 5 lakh to Rs 50 lakh
LTV Ratio: Up to 90%
Tenure: Up to 30 years
PNB Housing Finance Home Loan Eligibility
For PNBHFL Home Purchase Loan
Applicants who want to apply for Home Purchase Loans should fulfill the below-mentioned home loan eligibility criteria:-
- Salaried/Self-employed Professional/Self-employed Non-Professional
- Age: 21-70 years
- Nationality: Indian Resident, NRI, PIO
- Minimum Work Experience for salaried individuals: 3 years
- Minimum Business continuity for self-employed individuals: 3 years
- Credit Score: 611 and above
- Minimum Salary: Rs 15,000
For PNBHFL Home Construction Loan
- Indian citizenship
- Minimum Work Experience for salaried individuals: 3 years
- Minimum Business continuity for self-employed individuals: 5 years
- CIBIL Score: 650 and above
For PNBHFL Home Improvement Loan
- Age: Maximum 70 years
- Salaried and self-employed applicants are eligible with stable job/reliable source of income
- CIBIL Score: 611 and above
For PNBHFL NRI Home Loans
- Applicant should be an Indian citizen or Person of Indian Origin holding an Indian passport with the status of NRI on employment, deputation and assignment.
- Maximum age: Up to 70 years at the time of loan maturity.
- Work experience: At least 1 year in a foreign country (the condition of minimum service over one year is not applicable to applicants going abroad on deputation).
For PNBHFL Roshni Home Loans
- The maximum age of the applicant at the time of loan maturity should not exceed 70 years.
- Salaried individuals of local or stable business entities are eligible for Roshni Home Loans. The company of the employer can be sole proprietorship, partnership, private limited company and trust.
- Self-employed individuals from a low/middle-income group with informal income and household earnings as low as Rs 10,000 are also eligible for home loans.
For PNBHFL Plot Loan
- Salaried/Self-employed Professional/Self-employed Non-Professional
- Maximum Age: 70 years
- Credit Score: Minimum 650
PNB Housing 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
Documents Required for PNB Housing Loan
The documents required for home loan from PNB Housing Finance for different schemes are here forth:-
For Developer property (Direct Allotment from the Developer)
- Allotment letter
- Payment receipt
- Builder buyer agreement
- Permission to mortgage from the respective authority
For Resale Property
- Agreement to sell
- Approved map of the property
- All prior deeds from the first allotment of the property
- Possession certificate and land tax receipt from relevant authorities
- Sale deed/Conveyance deed in favor of the seller
- Builder or society provided No Objection Certificate
Documents Required for PNBHFL Housing Loan
For Salaried
- Address proof –Aadhar card, Telephone Bill, Ration Card, Election Card, Passport, Driving License, Any other Certificate from Statutory Authority
- Age Proof – PAN Card, Passport, Any other Certificate from Statutory Authority
- Income Proof – Salary slips of the last 3 months, the latest 6 month’s bank statement, Form 16 for the last 2 years
For Self Employed
- Age Proof – Passport, PAN Card, Any other Certificate from Statutory Authority
- Address proof – Aadhar card, Driving License, Telephone Bill, Passport, Election Card, Ration Card, Any other Certificate from Statutory Authority,
- Income Proof – Pertaining to business and ITR, such as proof of business existence, accountant-certified balance sheets, last 3 years’ income tax returns, and last 12 months’ bank account statement
Documents Required for PNBHFL NRI Home Loans
- Duly filled application form with a photograph
- Age proof – Passport, PAN card or other certificates from statutory authority
- Residence proof- Passport, driving license, telephone bill, election card, Ration card or any other certificate from statutory authority
- Copy of work permit, passport or PIO card
- Salary slips of last 3 months
- Educational qualifications
- Appointment letter from current employer
- Bank statement for last 6 months showing salary credits
- Income statement from employers for last 2 months
- Copy of Title Deed of Property, approved plan, etc.
- Processing Fee Cheque in favour of ‘PNB Housing Finance Limited’
- Detailed estimate of cost from the architect or valuer in case of renovation or construction
FAQs on PNB Housing Finance Home Loan
What is the minimum credit score required by PNB Housing for availing home loans?
The home loan applicants need to have a minimum credit score of 611 for availing home loans from PNB Housing Finance.
Can I take two home loans at the same time from PNB Housing Finance?
Yes, you can take two home loans at the same time. However, you need to have adequate repayment capacity for repaying two home loans.
Can I get a joint home loan from PNB Housing Finance?
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 benefits.
What is the best way to apply for PNB Housing Home Loan?
Prospective home loan borrowers can apply for PNB Housing Home Loan through the official website of the lender. Interested individuals can also call or send SMS to the toll-free number of PNB Housing Finance. Alternatively, prospective applicants can apply for PNB Housing Home Loan after comparing the home loan interest rates offered by top lenders.
Can a higher credit score help in availing home loan at lower interest rates from PNB Housing Finance?
Yes, PNB Housing Finance sets lower home loan interest rates for applicants having higher credit scores. For eg., PNB Housing Finance has set the 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.
How long does it take for PNB Housing Loan to get approved?
PNB Housing Finance claims to approve home loan applications within 5-7 days provided the applicant presents property and/or income-related documentation on time.
How much tax can I save for PNB Housing Home Loan?
PNB Housing Finance Home Loan borrowers can claim tax deductions under Section 80C and 24b of the Income Tax Act. You can avail a tax deduction of up to Rs 1.5 lakh per financial year on principal repayment under Section 80C.
You can also claim a tax deduction of up to Rs 2 lakh per financial year under Section 24b, on the interest paid on the home loan. If the property is rented, you can avail the entire interest repayment amount as a tax deduction without any limit.
Can I reduce my PNB Housing Home Loan tenure?
You can prepay your principal home loan amount to reduce the loan tenure of your PNB Housing Home Loan. The lender would rework on the requested loan tenure depending on your loan statement and recent income statements.
Can I extend my PNB Housing Home Loan tenure?
PNB Housing Finance allows its home loan borrowers to extend their home loan tenure. However, the request for an increase in loan tenure is considered as loan restructuring which results in a reduction of the credit score of the borrowers. This in turn would negatively impact their future loans and credit card eligibility.
Borrowers can opt for the Home Loan Balance Transfer facility instead of increasing their loan tenure, wherein they can transfer their existing home loans to PNB Housing Finance at lower interest rates.