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PNB Home Loan

Punjab National Bank offers home loans at competetive interest rates for long tenures. The bank offers home loan overdraft facility and various special home loan products for defence personnel, government employees and gen-next salaried individuals working with IT concerns or Government/PSUs up to the age of 40 years. Prospective borrowers can apply for PNB Home Loan through Paisabazaar app.

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000

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How Can I Apply for a Home Loan Online?

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.

PNB Home Loan Highlights

Particulars Details
Interest Rate 7.20% p.a. onwards
Loan Amount As per the borrower’s eligibility
LTV Ratio Up to 75% of the loan amount
Tenure Up to 30 years
Processing Charges Rs. 20,000

Note: Last updated on 4th February 2026

Punjab National Bank Home Loan Interest Rates

Applicants applying through Paisabazaar can avail PNB home loan at interest rates starting from 7.20% p.a. onwards. The bank has specified differential interest rates based on the loan amount, credit score and the type of loans offered by PNB. However, may also consider the occupation profile, employer’s profile, monthly income, etc. of their applicants while setting their home loan interest rates.

Comparison of PNB Home Loan Interest Rate with Other Lenders

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.
PNB Housing Finance 7.50% p.a.
Punjab & Sind Bank 7.30% 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

How to Apply for a PNB Home Loan

Applicants can apply for a PNB Home Loan either through the official website of Punjab National Bank or through the PNB app, PNB ONE.
One can also visit the Punjab National Bank branch to apply for a home loan.
Prospective home loan borrowers can also apply for the PNB Home Loan through online financial marketplaces like Paisabazaar.

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PNB Home Loan Processing Fee & Other Charges

PNB Housing Loan

Particulars Details
Processing Fee Rs. 20,000

PNB Max Saver

Particulars Details
In case the customer has paid upfront fees and documentation charges at the time of availing housing loan Rs. 2,500
In case the customer has not paid upfront fees and documentation charges at the time of availing housing loan Rs. 2,500

PNB Pride

Particulars Details
Processing Fee NIL
Documentation Charges NIL

PNB Digi Home Loan

Particulars Details
Processing Fee NIL

PNB Home Loan Documents Required

Following is the list of documents required for home loans for both salaried and self-employed individuals:-

Salaried Self Employed
Duly filled in home loan application form along with a photograph Duly filled in home loan application form along with a photograph
Proof of Identity such as an Aadhaar Card, PAN Card, Passport, Driving License and Voter’s ID Card Proof of Identity such as an Aadhaar Card, PAN Card, Passport, Driving License and Voter’s ID Card
Proof of Residence such as Aadhaar Card, Passport, Driving License and Voter’s ID Card Proof of Residence such as an Aadhaar Card, Passport, Driving License and Voter’s ID Card
Proof of Age such as an Aadhaar Card, PAN Card, Passport, Birth Certificate, Driving License and Voter’s ID Card Proof of Age such as an Aadhaar Card, PAN Card, Passport, Birth Certificate, Driving License and Voter’s ID Card
Proof of Educational Qualification Proof of Educational Qualification
Proof of Income: Salary certificate issued by the employer (indicating gross and net salary)/Income Tax Return Proof of Income for Agriculturist: Record of landholding & cropping pattern or any other proof of income
Bank Statement of salary account for the past six months Proof of Income for Other Self Employed: Last 3 years’ Income Tax Return or Assessment Order & Computation of Income Statement
Bank Statement of account for the last six months

Additional Documents for PNB Home Loan

  • Income proof of spouse/earning children/joint borrowers (if applicable)
  • Property documents as required

Documents Required for availing PNB Digi Home Loan

  • Aadhaar number linked with mobile number
  • Valid PAN card
  • Valid mobile number
  • Property details
  • Income tax login details for fetching ITR details
  • In the case of new bank customers, a web camera for clicking pictures and performing video KYC.

PNB Home Loan Eligibility Criteria

Below-mentioned are the eligibility criteria for various PNB home loan schemes offered by Punjab National Bank:

Housing Loan for Public

Salaried employees, professionals, businessmen, farmers, self-employed individuals, etc., having a regular source of income are eligible for PNB Housing Loan for Public.

PNB Digi Home Loan

  • Individuals or groups of individuals having an assured source of regular income such as salaried employees, self-employed, pensioners, professionals, farmers, businessmen, etc.
  • Applicant should have filed ITR for 2 years.

PNB Pride Housing Loan for Government Employees

Permanent employees of the Central/State Government, paramilitary forces and PSUs, and pensioners of the Central/State Government can avail PNB Pride Housing Loan for Government Employees.

PNB Gen-Next Housing Finance Scheme for Public

  • The applicant should be a salaried employee with a minimum of 3 years of experience. The co-borrower should also be a salaried individual.
  • Age at the time of loan application: Up to 40 years.
  • In the case of multiple borrowers whose income is considered to meet the home loan eligibility criteria, the age of one applicant must be up to 40 years and others may be up to 45 years. Co-owner of the property whose income is not considered to meet the home loan eligibility criteria should necessarily be made the co-borrower irrespective of his/her age.
  • Minimum Monthly Salary: Rs. 35,000.

Note: Punjab National Bank also considers the credit score of its home loan applicants, just like many home loan lenders do while evaluating the home loan eligibility of their applicants.

PNB Home Loan Customer Care

PNB home loan customers can call the following numbers for any grievances:

  • 1800 1800 (Toll Free)
  • 1800 2021 (Toll Free)
  • 0120-2490000 (Paid Number)

Types of Punjab National Bank Home Loans

PNB Housing Loan for Public

Purpose: PNB offers Housing Loan for the Public to finance the purchase or construction of houses/flats, for carrying out addition/repair/renovation/alteration/furnishing of existing properties, for purchasing construction houses or flats from housing boards/co-operative societies/development authorities/projects/approved private builders, for plot/land purchase for construction of the home and to meet the escalation cost of under construction flats of existing home loan borrowers.

Loan Amount:

  • For plot/land purchase for house construction: Up to Rs. 50 lakh.
  • For repair/renovation/alteration: Up to Rs. 50 lakh.
  • For addition/construction/purchase of a house or flat: Need-based loan depending upon the cost of the project and repaying capacity of the home loan borrower.
  • Furnishing cost: Included in the project cost with a maximum of up to 15% of the housing loan or Rs. 50 lakh, whichever is lower. The limit would be within the stated LTV ratio.

Tenure:

  • For repair/renovation/alteration of house/flat- Up to 15 years.
  • For Others- Up to 30 years.

LTV Ratio:

Loan Amount LTV Ratio
Up to Rs. 30 lakh 80%-85%*
Above Rs. 30 lakh to Rs. 75 lakh 80%
Above Rs. 75 lakh 75%
For purchase of plot/land for home construction 75%

PNB Digi Home Loan

Purpose: Individuals can avail PNB Digi Home Loan for all purposes except balance transfer of home loan from other lenders.

Loan amount: Up to Rs. 5 crore.

LTV ratio: Up to 85% of property cost.

Tenure: Up to 30 years.

PNB Housing Finance Scheme for Public - PNB Max Saver

Purpose: PNB Max Saver is a home loan overdraft facility wherein the existing home loan borrowers can withdraw the required loan amount from the linked overdraft account within the sanctioned overdraft limit.
Borrowers can avail PNB Max Saver scheme to finance the purchase or construction of houses/flats, for carrying out addition/repair/renovation/alteration/furnishing of existing properties, for purchasing under-construction houses or flats from housing boards/co-operative societies/development authorities/projects/approved private builders and to meet the escalation cost of under construction flats of existing home loan borrowers.

Loan Amount: Rs. 10 lakh onwards.

PNB Pride Housing Loan for Government Employees

Purpose: Punjab National Bank offers PNB Pride Housing Loan for Government Employees to permanent employees of the State Government, Central Government, Defense Personnel, Paramilitary forces, PSUs and pensioners of the State/Central Government.

Loan Amount:

  • For Plot/land purchase for house construction: Up to Rs. 50 lakh.
  • For addition/construction/purchase of a house or flat: As per the applicant’s requirement, depending upon the cost of the project and the repaying capacity of the home loan borrower.
  • For repair/renovation/alteration: Up to Rs. 50 lakh.
  • Furnishing Cost: Included in the project cost with a maximum of up to 15% of a home loan or Rs. 50 lakh, whichever is lower.

Tenure:

  • For repair/renovation/alteration of house/flat- Up to 15 years.
  • For others- Up to 30 years.

LTV Ratio:

Loan Amount LTV Ratio
Up to Rs. 30 lakh 80%-85%*
Above Rs. 30 lakh to Rs. 75 lakh 80%
Above Rs. 75 lakh 75%
For purchase of Plot/Land for home construction 75%

*In such cases, a higher rate of interest is charged on card rates.

PNB Gen-Next Housing Finance Scheme for Public

Purpose: Gen-Next salaried borrowers can avail ‘PNB Gen-Next Housing Finance Scheme for Public’ to raise funds for the purchase of ready-to-move-in flats/houses, for the construction of houses/flats and for the purchase of under-construction flats from approved private builders.

Loan Amount: Rs. 20 lakh onwards.

Tenure: Flat 30 years.

PNB Composite Loan

Purpose: Punjab National Bank offers Composite Loans to its applicants to finance the purchase of residential plots and the construction of houses on it thereon.

Loan Amount:

  • The loan amount is offered depending on the repayment capacity of the borrower and the cost of the project.
  • The loan amount for plot purchase should be less than 60% of the eligible loan amount.
  • Out of the total eligible loan amount, at least 40% of the loan amount should be used for home construction purposes.

LTV Ratio:

Particulars Loan Amount LTV Ratio
For plot purchase+home construction Up to Rs. 30 lakh 80%-85%*
above Rs. 30 lakh to Rs. 75 lakh 80%
above Rs. 75 lakh 75%
For purchase of plot/Land for home construction 75%

Tenure: Up to 30 years.

How Can I Apply for a Home Loan Online?

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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FAQs

Punjab National Bank offers home loan interest rates starting from 7.20% p.a. onwards. The lender offers differential interest rates depending on the credit score, type of home loan scheme and loan amount offered to the applicant.

Yes, you can prepay your PNB home loan. The bank does not levy any prepayment charges on home loans taken at floating rates. For fixed-rate home loans, no charges are levied if the loan is prepaid from your own sources. However, a prepayment charge of 2% is levied if the home loan is transferred to other banks or HFCs.

You can check your PNB Home Loan status through the official website of Punjab National Bank or through PNB ONE, the mobile app of the bank. You can also visit Punjab National Bank branch to check the status of your home loan.

PNB Home Loan interest rates for government employees start from 7.20% p.a. depending on the loan amount, credit score and type of PNB Home Loan schemes availed by the applicant.

Punjab National Bank has not specified the maximum age limit for PNB Housing Loan. However, the maximum age limit for most lenders is 60 years or the retirement age, whichever is earlier.

PNB has not specified whether insurance is mandatory for its home loan or not. However, it is not mandatory to purchase home loan insurance for most lenders.

Punjab National Bank has not disclosed the loan amount it offers to its home loan applicants. However, the lender decides the home loan amount depending on the project cost and repayment capacity of the borrower.

Punjab National Bank has not disclosed the process for reducing their home loan interest rates. If the bank refuses to reduce their home loan interest rates, applicants can opt for a home loan balance transfer facility for transferring their existing home loan interest rates to other lenders at lower interest rates.

Punjab National Bank offers home loans at floating and fixed interest rates.

You can calculate your total home loan interest cost by using the PNB Home Loan EMI Calculator. Applicants need to enter the loan amount, loan tenure and the interest rate in the calculator and calculate the total EMIs and interest cost.

Yes, PNB considers the income of the co-applicants for determining the repayment capacity while applying for a home loan.

Punjab National Bank allows spouses and earning children (both married and unmarried) to become co-applicants for home loan borrowers. Parents can also be co-applicants in cases where the property is owned singly or jointly by a son and daughter. Also, clubbing of their incomes may be allowed for eligibility or loan repayment purposes.

PNB has not specified any cut-off credit score for home loan applicants. However, applicants with a credit score of 750 and above are generally more likely to get a home loan.

PNB home loan borrowers can make loan repayments online through the official website of Punjab National Bank. They can navigate to the “Online Payment” option given on the home page of the official website of Punjab National Bank, select the “PNB Home Loan EMI Repayment” option, fill in the required details and pay the home loan EMI online.

Punjab National Bank does not offer any discount in interest rates to its female applicants. Hence, the PNB home loan interest rates for female applicants will be the same as the interest rates offered to other applicants.

Yes, PNB offers lower interest rates to home loan applicants with higher credit scores. For example, the lowest home loan interest rates are offered to applicants with a credit score of 750 and above, followed by applicants with 700-749, 650-699, and 550-649 credit scores.

For home loans taken for the construction of a house/addition to a house/flat, the moratorium period can be up to 18 months from the date of disbursement of the first loan installment or till the completion of construction/addition, whichever is earlier. In case of home loans taken for repairs/renovation/alterations to a house or flat, the moratorium period can extend up to 6 months from the date when the first loan installment was disbursed or till the completion of repairs/alterations/renovation, whichever is earlier.

You can download your PNB Home Loan interest certificate through the official website of Punjab National Bank or through its mobile banking app, PNB ONE. You can also visit the PNB branch to get your home loan interest certificate.

Existing home loan borrowers of PNB can check their outstanding home loan balance through the official website of Punjab National Bank or through its home loan app, PNB One. They can also visit the Punjab National Bank branch to check their home loan balance.

PNB Digi Home Loan is a digital home loan offered to salaried employees, professionals, pensioners, businessmen, farmers, etc. for all purposes except for home loan balance transfer.

You can track PNB Home Loan through the official website of Punjab National Bank or through the mobile banking app, PNB ONE. You can also track the home loan by visiting the PNB branch.

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