हिंदी में पढ़े
| PNB Home Loan Highlights | |
| Interest Rate | 8.60% – 9.60% p.a. |
| Loan Amount | As per the borrower’s eligibility |
| Tenure | Up to 30 years |
| Processing Charges | 0.35% (Rs 2,500-Rs 15,000) |
Note: Rates as of 5th June 2023
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Table of Contents
Punjab National Bank Home Loan Interest Rates
Housing Loan
| Margin & Loan Amount | CIBIL Score | Interest Rates (p.a.) |
| For loan above Rs .30 lacs
LTV Ratio <= 80% |
800 and above |
8.60% |
| Irrespective of Loan Amount
LTV Ratio <=80% |
PNB Pride 750 and above |
8.65% |
| 700-749 | 9.00% | |
| 600-699 | 9.35% | |
| Loan Amount upto 30 lacs
LTV Ratio more than 80% but upto 90% |
PNB Pride 750 and above |
8.75% |
| 700-749 | 9.10% | |
| 600-699 | 9.45% |
Home Loan (TL & OD PNB Max Saver)
| Margin & Loan Amount | CIBIL Score | Interest Rates (p.a.) |
| For loan above Rs .30 lacs
LTV Ratio <= 80% |
800 and above |
8.75% |
| Irrespective of Loan Amount
LTV Ratio <=80% |
PNB Pride 750 and above |
8.80% |
| 700-749 | 9.15% | |
| 600-699 | 9.50% | |
| Loan Amount upto 30 lacs
LTV Ratio more than 80% but upto 90% |
PNB Pride 750 and above |
8.90% |
| 700-749 | 9.25% | |
| 600-699 | 9.60% |
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PNB 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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Compare PNB Home Loan Interest Rates vs Other Lenders
| Name of Lender | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh |
| SBI | 8.50% - 10.15% | 8.50% - 10.05% | 8.50% - 10.05% |
| HDFC | 8.50% - 10.35% | 8.50% - 10.60% | 8.50% - 10.70% |
| LIC Housing Finance | 8.45% – 10.35% | 8.45% – 10.55% | 8.45% – 10.75% |
| ICICI Bank | 9.00%-9.80% | 9.00%-9.95% | 9.00%-10.05% |
| Kotak Mahindra Bank | 8.85% onwards | 8.85% onwards | 8.85% onwards |
| PNB Housing Finance | 8.75% - 14.50% | 8.75% - 13.00% | 8.75%-11.35% |
| Punjab National Bank | 8.65%-9.60% | 8.60%-9.50% | 8.60%-9.50% |
| Bank of Baroda | 8.60% - 10.65% | 8.60% - 10.65% | 8.60% - 10.90% |
| Union Bank of India | 8.50% – 10.75% | 8.50% – 10.95% | 8.50% – 10.95% |
| IDFC First Bank | 8.85% onwards | 8.85% onwards | 8.85% onwards |
| L&T Housing Finance | 8.60% onwards | 8.60% onwards | 8.60% onwards |
| Bajaj Housing Finance | 8.50% onwards | 8.50% onwards | 8.50% onwards |
| Tata Capital | 9.15% onwards | 9.15% onwards | 9.15% onwards |
| Federal Bank | 10.15%-10.20% | 10.20%-10.25% | 10.25%-10.30% |
Fees and Charges of PNB Home Loan
| Processing Fee | 0.35% (Rs 2,500-Rs 15,000) |
| Documentation Charges | Rs 1,350 |
PNB Max Saver
| 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 | Charges as per Housing Loan |
PNB Pride
| Processing Fee | NIL |
| Documentation Charges | NIL |
Know more about the home loan processing fees of top lenders
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