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PNB Bank Home Loan Interest

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Types of PNB Home Loan Interest Rates

  • Punjab National Bank offers home loans at both floating and fixed rates.
  • Floating interest rates start at 7.25% p.a. and are subject to change based on the external benchmark set by the RBI.
  • PNB home loan fixed interest rates start at 8.25% p.a. and remain constant throughout the loan tenure.

Note: Home loans offered at fixed interest rates are usually higher than those offered at floating interest rates.

Housing Loan/Home Loan ROI starting from 7.25% p.a .

Parameter CIBIL TU or Equivalent Floating ROI Fixed ROI
ROI Tenure Upto 10 Years Tenure Above 10 Years
For loan above Rs. 30 lacs LTV Ratio <= 80% & 800 & above RLLR+BSP-0.85% (presently 7.25% p.a.) 8.25% 8.75%
Irrespective of Loan Amount LTV Ratio <= 80% & PNB Pride* RLLR+BSP-0.80% (presently 7.30% p.a.) 8.30% 8.80%
750 and above RLLR+BSP-0.80% (presently 7.30% p.a.) 8.3-% 8.80%
700-749 RLLR+BSP-0.25% (presently 7.85% p.a.) 8.85% 9.35%
600-699 RLLR+BSP+ 0.95% (presently 9.05% p.a.) 10.05% 10.55%
Loan Amount upto 30 lacs LTV Ratio more than 80% but up to 90% PNB Pride* RLLR+BSP-0.70% (presently 7.40% p.a.) 8.40% 8.90%
750 and above RLLR+BSP-0.70% (presently 7.40% p.a.) 8.40% 8.90%
700-749 RLLR+BSP-0.15% (presently 7.95% p.a.) 8.95% 9.45%
600-699 RLLR+BSP+ 1.05% (presently 9.15% p.a.) 10.15% 10.65%

HOME LOAN (CRE CATEGORY) ROI STARTING FROM 7.75% P.A.

Parameter CIBIL TU or Equivalent Floating ROI Fixed ROI
ROI Tenure Upto 10 Years Tenure Above 10 Years
For loan above Rs. 30 lacs LTV Ratio <= 80% & 800 & above RLLR+BSP-0.35% (presently 7.75% p.a.) 8.75% 9.25%
Irrespective of Loan Amount LTV Ratio <= 80% & PNB Pride* RLLR+BSP-0.30% (presently 7.80%) 8.80% 9.30%
750 and above RLLR+BSP-0.30% (presently 7.80%) 8.80% 9.30%
700-749 RLLR+BSP+0.25% (presently 8.35%) 9.35% 9.85%
600-699 RLLR+BSP+ 1.45% (presently 9.55%) 10.55% 11.05%
Loan Amount up to 30 lacs LTV Ratio more than 80% but up to 90% PNB Pride* RRLLR+BSP-0.20% (presently 7.90%) 8.90% 9.40%
750 and above RLLR+BSP-0.20% (presently 7.90%) 8.90% 9.40%
700-749 RLLR+BSP+0.35% (presently 8.45%) 9.45% 9.95%
600-699 RLLR+BSP+ 1.55% (presently 9.65%) 10.65% 11.15%

HOME LOAN (TL PNB MAX SAVER) STARTING FROM 7.40% P.A.

Parameter CIBIL TU or Equivalent Floating ROI Fixed ROI
ROI Tenure Upto 10 Years Tenure Above 10 Years
For loan above Rs. 30 lacs LTV Ratio <= 80% & 800 & above RLLR+BSP-0.70% (presently 7.40%) 8.40% 8.90%
Irrespective of Loan Amount LTV Ratio <= 80% & PNB Pride* RLLR+BSP-0.65% (presently 7.45%) 8.45% 9.95%
750 and above RLLR+BSP-0.65% (presently 7.45%) 8.45% 8.95%
700-749 RLLR+BSP-0.10% (presently 8.00%) 9.00% 9.50%
600-699 RLLR+BSP+ 1.10% (presently 9.20%) 10.20% 10.70%
Loan Amount upto 30 lacs LTV Ratio more than 80% but up to 90% PNB Pride* RLLR+BSP-0.55% (presently 7.55%) 8.55% 9.05%
750 and above RLLR+BSP-0.55% (presently 7.55%) 8.55% 9.05%
700-749 RLLR+BSP (presently 8.10%) 9.10% 9.60%
600-699 RLLR+BSP+ 1.20% (presently 9.30%) 10.30% 10.80%

HOME LOAN (OD PNB MAX SAVER) STARTING FROM 7.40% P.A.

Parameter CIBIL TU or Equivalent Fixed ROI
ROI Tenure Upto 10 Years Tenure Above 10 Years
For loan above Rs. 30 lacs LTV Ratio <= 80% & 800 & above RLLR+BSP-0.70% (presently 7.40%) 8.40% 8.90%
Irrespective of Loan Amount LTV Ratio <= 80% & PNB Pride* RLLR+BSP-0.65% (presently 7.45%) 8.45% 8.95%
750 and above RLLR+BSP-0.65% (presently 7.45%) 8.45% 8.95%
700-749 RLLR+BSP-0.10% (presently 8.00%) 9.00% 9.50%
600-699 RLLR+BSP+ 1.10% (presently 9.20%) 10.20% 10.70%
Loan Amount upto 30 lacs LTV Ratio more than 80% but up to 90% PNB Pride* RLLR+BSP-0.55% (presently 7.55%) 8.55% 9.05%
750 and above RLLR+BSP-0.55% (presently 7.55%) 8.55% 9.05%
700-749 RLLR+BSP (presently 8.10%) 9.10% 9.60%
600-699 RLLR+BSP+ 1.20% (presently 9.30%) 10.30% 10.80%

Processing Fee and Charges of PNB Bank

Loan Product PF/Admin Fee (excluding GST) Charges for switching loan from fixed to floating rates and vice versa
Housing Loan 0.15% of limit subject to minimum Rs. 150 N/A

How Repo Rate Impacts Your Interest Rates?

The repo rate is the rate at which the RBI lends money to banks. Changes in the repo rate influence the home loan interest rates on floating-rate loans.

  • Repo rate increases: Floating loan interest rates may increase, which could result in a higher EMI or a longer loan tenure.
  • Repo rate decreases: Floating loan interest rates may decrease, potentially reducing your EMI or loan tenure.
  • Repo rate remains unchanged: Your interest rate may remain unchanged, provided there are no changes to the loan’s benchmark or lender’s spread.

Impact on Borrowers

This is particularly important for borrowers with floating-rate home loans, as changes in interest rates can affect both their monthly EMI and the total interest payable over the loan tenure.

PNB Home Loan Interest Rate vs Other Banks (2026)

Bank Home Loan Interest Rate*
Union Bank of India 7.10% p.a. onwards
State Bank of India (SBI) 7.25% p.a. onwards
Bank of Baroda 7.30% p.a. onwards
Bank of India 7.10% p.a. onwards
Canara Bank 7.15% p.a. onwards
HDFC Bank 7.20% p.a. onwards
ICICI Bank 7.40% p.a. onwards

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How Is PNB Home Loan EMI Calculated?

PNB Home Loan EMI is the fixed monthly amount you repay towards your home loan , covering both principal and interest. Your EMI depends mainly on the loan amount, interest rate, and repayment tenure.

You can use the Paisabazaar Home Loan EMI Calculator to quickly estimate your monthly installment.

The standard formula is:

EMI = [P × r × (1 + r)ⁿ] / [(1 + r)ⁿ − 1]

Where:

  • P = Loan amount (principal)
  • r = Monthly interest rate (annual rate ÷ 12 ÷ 100)
  • n = Total number of monthly instalments (tenure in years × 12)

Enter your loan amount, interest rate, and tenure to estimate your EMI and plan your home loan repayments effectively.

Examples of PNB Bank Home Loan EMI

PNB Home Loan EMI for 10 years

Interest Rate (p.a.) Loan Amount (Rs.) Loan Tenure (years) EMI (Rs.)
8.80% 15 lakh 10 18,839
8.80% 20 lakh 10 25,119
8.80% 25 lakh 10 31,399
8.80% 30 lakh 10 37,679
8.80% 32 lakh 10 40,191

PNB Bank Home Loan EMI for Rs. 30 Lakh

Interest Rate (p.a.) Loan Amount (Rs.) Loan Tenure (years) EMI (Rs.)
8.80% 30 lakh 10 37,679
8.80% 30 lakh 15 30,072
8.80% 30 lakh 20 26,607
8.80% 30 lakh 25 24,766
8.80% 30 lakh 30 23,708
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FAQs

What is the starting PNB home loan interest rate? 

PNB home loan floating rates start at 7.25% p.a., depending on CIBIL score, LTV ratio, loan amount, and applicable scheme.

What interest rate can borrowers with a CIBIL score of 800+ get? 

For eligible borrowers with 800+ CIBIL, floating rates can start at 7.25% p.a., subject to PNB’s applicable LTV and loan conditions.

Does PNB offer fixed-rate home loans? 

Yes. PNB offers fixed-rate home loans, with rates starting around 8.25% p.a. for eligible borrowers and varying by tenure and loan profile.

How does CIBIL score affect PNB home loan rates? 

A higher CIBIL score can qualify borrowers for lower interest rates. Rates increase across the listed slabs as the credit score falls below 750.

What is PNB’s home loan rate for CIBIL 700–749? 

For standard housing loans, the floating rate is around 7.85% p.a. when the LTV is up to 80%, subject to applicable terms.

What is the EMI for a Rs. 30 lakh PNB home loan? 

At 8.80% p.a., the EMI is approximately Rs. 37,679 for 10 years, Rs. 26,607 for 20 years, and Rs. 23,708 for 30 years.

Does PNB home loan interest change with the repo rate? 

Yes. Floating rates are linked to the applicable benchmark, so changes in RBI’s repo rate can affect borrowing costs, EMI, or loan tenure.

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