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

Apply for PNB Home Loan at Attractive Interest Rates Click Here
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% |
Also Read: How you can build or rebuild your credit score with Step UP Credit Card Co-branded with SBM Bank India Ltd

Get lifetime free Step Up Credit Card and improve/build your credit score Know More
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

Apply for PNB Home Loan at Attractive Interest Rates Click Here
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

Apply for PNB Home Loan at Attractive Interest Rates Click Here