PNB Home Loan 2022 Highlights | |
Interest Rate | 6.90%-8.35% p.a. |
Loan Amount | As per the borrower’s eligibility |
Tenure | Up to 30 years |
Processing Charges | 0.35% of loan amount (Rs 2,500 – Rs 15,000) |
Table of Contents
Punjab National Bank Home Loan Interest Rates
Housing Loan
For Loan Amount of Rs 50 lakh and above (For LTV Ratio of up to 80%)
Credit Score | Interest Rate (p.a.) (For leads through digital channel) | Interest Rate (p.a.) (For leads through non-digital channel) | ||
Salaried | Non-Salaried | Salaried | Non-Salaried | |
PNB Pride | 6.90% | NA | 6.95% | NA |
750 and above | 6.90% | 7.00% | 6.95% | 7.05% |
700-749 | 7.10% | 7.20% | 7.15% | 7.25% |
650-699 | 7.20% | 7.30% | 7.25% | 7.35% |
>=550-649 | 7.70% | 7.80% | 7.75% | 7.85% |
For Loan Amount of less than Rs 50 lakh (For LTV Ratio of up to 80%)
Credit Score | Interest Rate (p.a.) (For leads through digital channel) | Interest Rate (p.a.) (For leads through non-digital channel) | ||
Salaried | Non-Salaried | Salaried | Non-Salaried | |
PNB Pride | 6.95% | NA | 7.00% | NA |
750 and above | 6.95% | 7.05% | 7.00% | 7.10% |
700-749 | 7.15% | 7.25% | 7.20% | 7.30% |
650-699 | 7.25% | 7.35% | 7.30% | 7.40% |
>=550-649 | 7.75% | 7.85% | 7.80% | 7.90% |
For Loan Amount of up to Rs 30 lakh (For LTV Ratio more than 80%)
Credit Score | Interest Rate (p.a.) (For leads through digital channel) | Interest Rate (p.a.) (For leads through non-digital channel) | ||
Salaried | Non-Salaried | Salaried | Non-Salaried | |
PNB Pride | 7.25% | NA | 7.30% | NA |
750 and above | 7.25% | 7.35% | 7.30% | 7.40% |
700-749 | 7.45% | 7.55% | 7.50% | 7.60% |
650-699 | 7.55% | 7.65% | 7.60% | 7.70% |
>=550-649 | 8.05% | 8.15% | 8.10% | 8.20% |
Also Read: How a Step UP Credit Card helps in building/improving your credit score
PNB Max Saver (Term Loan Component)
For Loan Amount of Rs 50 lakh and above (For LTV Ratio of up to 80%)
Credit Score | Interest Rate (p.a.) (For leads through digital channel) | Interest Rate (p.a.) (For leads through non-digital channel) | ||
Salaried | Non-Salaried | Salaried | Non-Salaried | |
PNB Pride | 7.05% | NA | 7.10% | NA |
750 and above | 7.05% | 7.15% | 7.10% | 7.20% |
700-749 | 7.25% | 7.35% | 7.00% | 7.40% |
650-699 | 7.35% | 7.45% | 7.40% | 7.50% |
>=550-649 | 7.85% | 7.95% | 7.90% | 8.00% |
For Loan Amount of less than Rs 50 lakh (For LTV Ratio of up to 80%)
Credit Score | Interest Rate (p.a.) (For leads through digital channel) | Interest Rate (p.a.) (For leads through non-digital channel) | ||
Salaried | Non-Salaried | Salaried | Non-Salaried | |
PNB Pride | 7.10% | NA | 7.15% | NA |
750 and above | 7.10% | 7.20% | 7.15% | 7.25% |
700-749 | 7.30% | 7.40% | 7.35% | 7.45% |
650-699 | 7.40% | 7.50% | 7.45% | 7.55% |
>=550-649 | 7.90% | 8.00% | 7.95% | 8.05% |
For Loan Amount of up to Rs 30 lakh (For LTV Ratio more than 80%)
Credit Score | Interest Rate (p.a.) (For leads through digital channel) | Interest Rate (p.a.) (For leads through non-digital channel) | ||
Salaried | Non-Salaried | Salaried | Non-Salaried | |
PNB Pride | 7.40% | NA | 7.45% | NA |
750 and above | 7.40% | 7.50% | 7.45% | 7.55% |
700-749 | 7.60% | 7.70% | 7.65% | 7.75% |
650-699 | 7.70% | 7.80% | 7.75% | 7.85% |
>=550-649 | 8.20% | 8.30% | 8.25% | 8.35% |
PNB Max Saver (Overdraft Component)
For Loan Amount of Rs 50 lakh and above (For LTV Ratio of up to 80%)
Credit Score | Interest Rate (p.a.) (For leads through digital channel) | Interest Rate (p.a.) (For leads through non-digital channel) | ||
Salaried | Non-Salaried | Salaried | Non-Salaried | |
PNB Pride | 7.05% | NA | 7.10% | NA |
750 and above | 7.05% | 7.15% | 7.10% | 7.20% |
700-749 | 7.25% | 7.35% | 7.30% | 7.40% |
650-699 | 7.35% | 7.45% | 7.40% | 7.50% |
>=550-649 | 7.85% | 7.95% | 7.90% | 8.00 |
For Loan Amount of less than Rs 50 lakh (For LTV Ratio of up to 80%)
Credit Score | Interest Rate (p.a.) (For leads through digital channel) | Interest Rate (p.a.) (For leads through non-digital channel) | ||
Salaried | Non-Salaried | Salaried | Non-Salaried | |
PNB Pride | 7.10% | NA | 7.15% | NA |
750 and above | 7.10% | 7.20% | 7.15% | 7.25% |
700-749 | 7.30% | 7.40% | 7.35% | 7.45% |
650-699 | 7.40% | 7.50% | 7.45% | 7.55% |
>=550-649 | 7.90% | 8.00% | 7.95% | 8.05% |
For Loan Amount of up to Rs 30 lakh (For LTV Ratio more than 80%)
Credit Score | Interest Rate (p.a.) (For leads through digital channel) | Interest Rate (p.a.) (For leads through non-digital channel) | ||
Salaried | Non-Salaried | Salaried | Non-Salaried | |
PNB Pride | 7.40% | NA | 7.45% | NA |
750 and above | 7.40% | 7.50% | 7.45% | 7.55% |
700-749 | 7.60% | 7.70% | 7.65% | 7.75% |
650-699 | 7.70% | 7.80% | 7.75% | 7.85% |
>=550-649 | 8.20% | 8.30% | 8.25% | 8.35% |
Compare ICICI Home Loan Interest Rates vs Other Lenders
Interest Rates (% p.a.) | |||
Name of Lender | Up to 30 Lakh | Above 30 Lakh & up to 75 Lakh | Above 75 Lakh |
Punjab National Bank | 6.95 – 8.35 | 6.90 – 8.05 | 6.90 – 8.00 |
State Bank of India | 6.65-7.65 | 6.65-7.65 | 6.65-7.65 |
HDFC | 7.00-8.45 | 7.00-8.60 | 7.00-8.70 |
Axis Bank | 7.00-11.90 | 7.00-11.90 | 7.00-11.90 |
ICICI Bank | 7.10-7.95 | 7.10-7.95 | 7.10-7.95 |
Kotak Mahindra Bank | 7.00 onwards | 7.00 onwards | 7.00 onwards |
PNB Housing Finance | 6.75-12.00 | 6.75-12.00 | 6.90-9.75 |
Bank of Baroda | 6.90-8.40 | 6.90-8.40 | 6.90-8.65 |
Union Bank of India | 6.90-8.65 | 6.90-8.85 | 6.90-8.85 |
IDFC First Bank | 7.10 onwards | 7.10 onwards | 7.10 onwards |
L&T Housing Finance | 6.75 – 7.75 | 6.75 – 7.75 | 6.75 – 7.75 |
Bajaj Housing Finance | 6.65 onwards | 6.65 onwards | 6.65 onwards |
Godrej Housing Finance | 6.94-9.99 | 6.94-9.99 | 6.94-9.99 |
Tata Capital | 7.15 onwards | 7.15 onwards | 7.15 onwards |
LIC Housing Finance | 6.90-8.00 | 6.90-8.20 | 6.90-8.40 |

Compare Home Loan Schemes Offered by Top Lenders Compare Now
Punjab National Bank Home Loan Fees and Charges
Processing Fee | 0.35% of loan amount (Rs 2,500-Rs 15,000) |
Documentation Charges | Rs 1,350 |
Pradhan Mantri Awas Yojna
Processing Fee | Up to Rs 6 lakh- NIL Up to Rs 9 lakh in MIG 1- NIL Up to Rs 12 lakh in MIG 2- NIL |
Documentation Charges | NIL |
PNB Max Saver
In case the customer has paid upfront fees and documentation charges at the time of availing housing loan | One time charge of 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 |
Types of Punjab National Bank Home Loan
Housing Loan for Public
Purpose:
- For house/flat construction, for built house/flat purchase,
- For additions/repair/renovation/alterations/furnishing cost to existing home,
- For purchase of house/flat under construction from housing boards/co-operative societies/development authorities/projects/approved private builders,
- For purchase of plot/land for construction of house,
- For meeting cost escalation in under construction flats to existing housing loan borrowers
Loan Amount:
- For Plot/land purchase for house construction: Up to Rs 50 lakh
- For repair/renovation/alteration: Up to Rs 25 lakh
- For addition/construction/purchase of 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 maximum up to 10% of housing loan with up to Rs 25 lakh
Tenure:
- For repair/renovation/alteration of house/flat- Up to 15 years
- For Others- Up to 30 years
- LTV Ratio:
Home Loan (All variants) above Rs 75 lakh, CIC Score 750 and above- 20%
Top-up Home Loan (CIC Score 750 and above)/Term Loan/Overdraft- 20%
PNB Max Saver
- Purpose: For all purposes as under housing finance scheme except for purchase of land/plot only with overdraft facility
- Loan Amount: Rs 10 lakh onwards
PNB Pride Housing Loan for Government Employees
Purpose: For permanent employees of State/Central GovernmentDefence Personnel/Paramilitary forces for:
- house/flat construction, for built house/flat purchase,
- purchase of house/flat under construction from housing boards/co-operative societies/development authorities/projects/approved private builders,
- purchase of plot/land for construction of house,
- additions/repair/renovation/alterations/furnishing cost to existing home,
- meeting cost escalation in under construction flats to existing housing loan borrowers
Loan Amount:
- For Plot/land purchase for house construction: Up to Rs 50 lakh
- For addition/construction/purchase of house or flat: Need based loan depending upon the cost of the project and repaying capacity of the home loan borrower
- For repair/renovation/alteration: Up to Rs 25 lakh
- Furnishing Cost: Included in the project cost with maximum up to 10% of housing loan with up to Rs 25 lakh
Tenure:
- For repair/renovation/alteration of house/flat- Up to 15 years
- For Others- Up to 30 years
- LTV Ratio:
Home Loan (All variants) above Rs 75 lakh, CIC Score 750 and above- 20%
- Top-up Home Loan (CIC Score 750 and above)/Term Loan/Overdraft- 20%
Pradhan Mantri Awas Yojna
- Purpose: For construction/purchase/additions of rooms, kitchen, etc.to existing home as incremental housing for house/flat construction with interest subsidy @ 6.5% to Economically Weaker Sections with annual income of up to Rs 3 lakh and Low Income Groups with annual income between Rs 3 lakh-Rs 6 lakh
- Loan Amount: Up to Rs 30 lakh
- Interest Subsidy: 5% for loan amount of up to Rs 6 lakh for tenure of up to 20 years
- Tenure: Up to 30 years or 70 years of age
PNB Gen-Next Housing Finance Scheme for Public
- Purpose: For construction of flat/house, for purchase of under construction flat of approved private builder, for purchase of ready to move in flat/house, etc. to gen-next salaried class borrowers including employees of PSBs/PSUs/Government sectors and IT professionals aged up to 40 years.
- Loan Amount: Rs 20 lakh onwards
- Tenure: Up to 30 years
Eligibility Criteria Punjab National Bank Home Loan
For PNB Gen-Next Housing Finance Scheme for Public
- Age: Up to 40 years
- Minimum Monthly Salary: Rs 35,000
- All salaried employees with at least 3 years of experience
Pradhan Mantri Awas Yojna
Individuals from Economically Weaker Sections and Low Income Groups (joint owners from same family are also eligible)
PNB Pride Housing Loan for Government Employees
For permanent employees of Central/State Government/Paramilitary forces/Defense Personnel
Housing Loan for Public
For individuals or group of individuals with regular income source such as salaried employees, professionals, businessman, farmers, self-employed persons
PNB Home Loan Documents Required
PNB Home Loan Documents for Salaried:
- Duly filled in home loan application form along with a photograph
- Proof of Identity such as 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 Age such as Aadhaar Card, PAN Card, Passport, Birth Certificate, Driving License and Voter’s ID Card
- Proof of Educational Qualification
- Proof of Income: Salary certificate issued by the employer (indicating gross and net salary)/Income Tax Return
- Bank Statement of salary account of past six month
PNB Home Loan Documents for Self Employed:
- Duly filled in home loan application form along with a photograph
- Proof of Identity such as 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 Age such as Aadhaar Card, PAN Card, Passport, Birth Certificate, Driving License and Voter’s ID Card
- Proof of Educational Qualification
- Proof of Income for Agriculturist: Record of landholding & cropping pattern or any other proof of income
- 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:
- Income proof of spouse/earning children/joint borrowers (if applicable)
- Property documents as required
Note: The above list of documents is only indicative. The bank might ask for other documents and proof to process your home loan application.

Get Your Free Credit Report with Monthly Updates Check Now
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
PNB Home Loan Customer Care
To get your PNB Housing Loan related queries or complaints resolved, contact the bank through the following ways:
1. PNB Official Website
Customers can register their complaints or place a service request on the bank’s website by submitting a duly filled CGRMS form. Click here to get started with the process.
2. PNB Home Loan Customer Care Numbers
Customers can also call on the following numbers to register their complaints or get a query resolved:
PNB Home Loan Toll-free Customer Care Numbers
1800 180 2222
1800 103 2222
PNB Home Loan Other Customer Care Numbers
Toll Number: 0120-2490000
Landline: 011-28044907
5. PNB Home Loan Customer Care Email ID
care@pnb.co.in
6. PNB Corporate Office Postal Address
Punjab National Bank,
Plot No 4, Sector -10,
Dwarka, New Delhi -110075
FAQs
1. Can I choose between fixed and floating rates of interest?
Ans. Punjab National Bank offers home loans at floating rates only.
2. Does PNB consider the income of the co-applicants while applying for home loans?
Ans. Yes, PNB considers the income of the co-applicants for determining the repayment capacity while applying for home loans.
3. Who can be the co-applicants to PNB Home Loan borrowers?
Ans. Punjab National Bank allows spouse and earning children (both married and unmarried) to be the co-applicants to home loan borrowers. Parents can also be the co-applicants in cases where the property is singly or jointly owned by son and daughter. Also clubbing their income can be permitted for eligibility or loan repayment purposes.
4. What is the minimum credit score required to avail PNB Home Loans?
Ans. PNB has not specified any cut-off credit score for home loan applicants. However, the applicants with credit scores of 750 and above usually have higher chances of availing home loans.
5. Does PNB offer preferential interest rates to home loan applicants having higher credit scores?
Ans. Yes, PNB offers lower interest rates to home loan applicants having higher credit score. The For example, the lowest home loan interest rates are offered to applicants having credit scores of 750 and above, followed by those having credit scores of 700-749, 650-699 and 550-649.
6. What is the moratorium period for PNB Housing Loans?
Ans. For home loans availed for home construction/addition of house/flat, the moratorium period can go up to 18 months from the date of disbursement of first loan instalment or till the completion of construction/addition, whichever is earlier. In case of home loans availed for carrying out repair/renovation/alterations of house or flat, the moratorium period can extend up to 6 months from the date when the first loan instalment was disbursed or until the completion of repair/alterations/renovation, whichever is earlier. For the purchase of already constructed house/flat or plot, the moratorium period can go up to 3 months from the date of loan disbursal or till the date of possession, whichever is earlier.