PNB offers home loan interest rates starting from 7.20% p.a. depending on the creditworthiness of the borrower. The differential home loan interest rates of Punjab National Bank are given below:
PNB Home Loan Floating Interest Rates
PNB Home Loan Interest Rates as per CIBIL Score or Other Credit Scores
| Margin & Loan Amount |
CIBIL Score or Other Credit Scores |
Interest Rates (p.a.) |
| Utsav Rates* |
Regular Rates |
| For loans above Rs. 30 lakh; LTV Ratio up to 80% |
800 and above |
7.20% |
7.25% |
| Irrespective of loan amount; LTV Ratio up to 80% |
PNB Pride#, 750 and above |
7.25% |
7.30% |
| 700-749 |
7.70% |
7.75% |
| 600-699 |
8.80% |
8.85% |
| Loan amount up to Rs. 30 lakh; LTV Ratio above 80% but up to 85% |
PNB Pride# |
7.35% |
7.45% |
| 750 and above |
7.35% |
7.40% |
| 700-749 |
7.80% |
7.85% |
| 600-699 |
8.90% |
8.95% |
PNB Max Saver Interest Rates (TL & OD) as per CIBIL Score or Other Credit Scores
| Margin & Loan Amount |
CIBIL Score or Other Credit Scores |
Interest Rates (p.a.) |
| Utsav Rates* |
Regular Rates |
| For loans above Rs. 30 lakh; LTV Ratio up to 80% |
800 and above |
7.35% |
7.40% |
| Irrespective of loan amount; LTV Ratio up to 80% |
PNB Pride#, 750 and above |
7.40% |
7.45% |
| 700-749 |
7.85% |
7.90% |
| 600-699 |
8.95% |
9.00% |
| Loan amount up to Rs. 30 lakh; LTV Ratio above 80% but up to 85% |
PNB Pride# |
7.50% |
7.55% |
| 750 and above |
7.50% |
7.55% |
| 700-749 |
7.95% |
8.00% |
| 600-699 |
9.05% |
9.10% |
PNB Home Loan Fixed Interest Rates
PNB home loan fixed interest rates for different schemes are as follows:-
PNB Housing Loan Fixed Interest Rates as per CIBIL Score or Other Credit Scores
| Margin & Loan Amount |
CIBIL Score or Other Credit Scores |
Interest Rates (p.a.) |
| Tenure up to 10 years |
Tenure above 10 years |
| For loans above Rs. 30 lakh; LTV Ratio up to 80% |
800 and above |
8.25% |
8.75% |
| Irrespective of loan amount; LTV Ratio up to 80% |
PNB Pride#, 750 and above |
8.30% |
8.80% |
| 700-749 |
8.75% |
9.25% |
| 600-699 |
9.85% |
10.35% |
| Loan amount up to Rs. 30 lakh; LTV Ratio above 80% but up to 85% |
PNB Pride#, 750 and above |
8.40% |
8.90% |
| 700-749 |
8.85% |
9.35% |
| 600-699 |
9.95% |
10.45% |
PNB Max Saver Fixed Interest Rates (TL/OD) as per CIBIL Score or Other Credit Scores
| Margin & Loan Amount |
CIBIL Score or Other Credit Scores |
Interest Rates (p.a.) |
| Tenure Up to 10 years |
Tenure above 10 years |
| For loans above Rs. 30 lakh; LTV Ratio up to 80% |
800 and above |
8.40% |
8.90% |
| Irrespective of loan amount; LTV Ratio up to 80% |
PNB Pride#, 750 and above |
8.45% |
8.95% |
| 700-749 |
8.90% |
9.40% |
| 600-699 |
10.00% |
10.50% |
| Loan amount up to Rs. 30 lakh; LTV Ratio above 80% but up to 85% |
PNB Pride#, 750 and above |
8.55% |
9.05% |
| 700-749 |
9.00% |
9.50% |
| 600-699 |
10.10% |
10.60% |
Note:*PNB Utsav Campaign rates applicable till 31st December 2025
#PNB PRIDE covers the Central/ State Government Employees/Defense personnel/Para military Forces/Pensioners of Central & State Government & Employees of PSUs.
