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PNB Home Loan

Does your dream is to live in your own House & planning to construct a house according to your lifestyle? Then yes you have to the right place, Apply Home Loan!
Enquiry Form

Have you designed ideas to your room, floors and kitchen how your home might look like! But wouldn’t make it happen due to insufficient funds in hand? Whether you want to construct or purchase separate house, flat or looking for renovation to take place in exiting home switch to Home loan an ideal way to get financed.PNB known to be perfect banking partner for housing loan.   

PNB Home Loan Features & Benefits


  • Loan starting from 6.80% Onwards
  • Get maximum loan amount upto 1 Crore
  • Minimal processing fee levied
  • Digital Processing accessible by PNB


  • Home loan tax benefits are available
  • Upto 30 years of longest tenure
  • PMAY Subsidy scheme available

PNB Bank Various types of Home Loans

PNB Max Saver: - PNB offers PNB Max Saver to applicant who wish to purchase land & plot at affordable rates. Applicant are required to deposit surplus fund to overdraft account to get benefits from this specified offer to save maximum.

Key Features-

  • Minimum loan starting from 10 lakhs
  • Flexible repayment mode

PNB Pride Housing Loan for Government Employees: - As the title itself say pride housing loan for employees is offered to individuals who fall under as a permanent employee of state, central, paramilitary forces & defence personnel category can apply for this type of home loan to get additional benefits.

Key Features-

  • Repayment tenure upto 30 years including moratorium period
  • Loan amount ranges from 10 lakhs to 1 Crore
  • Zero processing fees

PNB Gen-Next Housing Finance Scheme for Public:- This type of credit facility can be availed by IT professionals/PSUs/PSBs & other government employees for the purpose of purchasing or constructing house/flat. Max to maximum applicant age should not exceed 40 years.

Key Features-

  • Loan at attractive rates
  • Maximum loan amount is determined on LTV Ratio
  • Repayment period upto 30 years

Housing Loan for Public (Pradhan Mantri Awas Yojana):- Pradhan Mantri Awas Yojana is credit-linked subsidy scheme offered to home buyers for construction or purchasing of house, where borrowers get upto 2.5 Lakh subsidy on availing housing loan.

Key Features-

  • Subsidy benefit for maximum tenure 20 years
  • Quick & simplified processing
  • No pre-payment penalty applicable
List of PNB Bank Home Loan Scheme Salaried Interest Rates Self-Employed Interest Rates
PNB Home Loan Min – 6.70% - Max- 8.50% p.a Min – 6.80% - Max- 8.60% p.a
PNB Max Saver Min – 6.75% - Max- 8.55p.a Min – 7.00% - Max- 8.80p.a
PNB Pride Housing Loan for Government Employees Min – 6.70% - Max- 8.25% p.a Min – 7.10% - Max- 8.65% p.a
PNB Gen-Next Housing Finance Scheme for Public Min – 6.70% - Max- 8.40% p.a Min – 6.90% - Max- 8.40% p.a
Housing Loan for Public (Pradhan Mantri Awas Yojana) Min – 6.70% - Max- 8.85p.a Min – 7.10% - Max- 9.00% p.a

 PNB Bank Home Loan Interest Rate & Processing Fees

Processing Fees Up to 0.50% or minimum Rs. 5000/-
Interest Rate 6.70% onwards
Maximum Tenure 30 years

Also Read:-What is Bank Guarantee

Type of Other Charges by PNB

Loan processing charges: - 1% of the loan applied + GST

Part or full prepayment Charges: - Part or full prepayment charges will not be levied on floating interest rate & fixed interest rate if the property is in the name of individual.

Cheque bounce charges: - For 1st time cheque bounce you will be charged 750/- + GST & for 2nd time you will be charged 1000/- + GST.

Overdue charges: - Unpaid EMI for delayed period will be levied 24% per annum.

Account statement Charges:- Through online can access account statement for free of cost if adhoc request received to branch charges will be levied 500/- + GST.

Changing repayment mode: - For changing repayment mode swapping will be charged 750/-.

Loan pre-closure statement:- A charge of 750/- applicable.

Change of ROI:- From fixed interest rate to floating rate 3% of POS + GST respectively changing floating rate to fixed interest rate levied 0.5% POS + GST.

CIBIL Checking Charges: - For each time CIBIL report checking you will be charged 50/-.

MODT/Registration of Charge - Fore Creation/Cancellation of registration a charge of 500/- + GST levied.

PNB Home Loan Eligibility

You are not far away from reaching your goal, take a step forward to confirm whether your eligibility match their requirements if no, then try to match yourself.

Age 21 – 60 years
Employment Type Salaried and Self-employed professional and non-professional
Minimum Salary for Salaried Rs.25,000 per month

PNB Home Loan Eligibility Criteria for Salaried:-

  • Applicant must be resident of India
  • Applicant age should be above 21 & below 65 years
  • Minimum 3 years of work experience

PNB Home Loan Eligibility Criteria for Professional: -

  • Applicant age should be above 21 & below 65 years
  • Doctor, CA, Architect, Lawyers, Consultant, Engineer & CS can apply for Home Loan on Professional category.

PNB Home Loan Eligibility Criteria for Self-Employed: -

  • Applicant filing income tax returns ITR can apply for housing loan
  • Maintain good financial records
  • Minimum 5 years of existing Business

PNB Home Loan Documents required-

Identity proof:-
  • Aadhaar Card
  • Driving License
  • Passport
  • Election/ Voter ID Card
  • PAN Card
Residence proof:-
  • Passport
  • Aadhaar Card
  • Driving License
  • Election/ Voter’s ID Card
  • Bank Account or Post Office Savings Bank Account statement
Age proof:-
  • Aadhar Card
  • Valid Passport
  • Voter ID
  • Birth Certificate
Income proof:-
  • Latest 6 months bank statement
  • Salary slip/Pay slip
  • Income tax returns or form 16
Other mandatory documents:-
  • Proper filled loan application with 2 colored passport size photographs
  • Processing cheque fee in favour of the bank

Also Read:-Project Loan for Textile Industry in India

How to apply for PNB Home Loan Online?

Step 1 - You can apply for PNB Home Loan through visiting their website https://www.pnbhousing.com/  or visit the nearest ICICI branch bank.

Step 2 – Make sure whether you meet certain housing loan eligibility criteria or not prior to facing any type of loan rejection, if all seems good then download the form online or request bank branch to share loan application.

Step 3- Take your own time to fill up application form by mentioning your personal, occupational & property details with attaching the supporting documents with it, recheck yourself before submitting loan application.

Step 4 – Once your loan application approved then, you will need to provide property documents upon which you are taking the loan for further legal review & evaluation of property.

Wait for the approval from bankers, once reviewed they will let you know the status after that legal review & evaluation of property take place.

Step 5 – After completion of property evaluation, shortly your loan approval takes place if property value satisfies required loan amount, short you will receive loan sanctioned &, loan amount will be credited to your account.

Also Read:-SBI Home Loan

PNB Home Loan FAQ

How to use PNB home loan EMI calculator?

Checking PNB Home Loan Calculator is much easier to use, you just need to enter net monthly income, interest rate & existing EMI’s to know your monthly payable EMI & eligible loan amount in seconds.

How much home loan amount can I get from PNB?

Generally, the PNB Housing loan provide upto 90% of property value as a maximum loan amount & various factors are considered in terms of determining eligible loan amount.

What is the current PNB home loan Interest Rate?

The PNB Home Loan Interest Rates vary from 6.65% to 8.40% per annum.

Who are eligible for PNB Housing Loan?

Any salaried or self-employed with stable income source & having a clear financial track record can apply for PNB housing loan.

Which is the subsidy scheme offered by PNB?

Under PMAY (Pradhan mantri awas yojana) PNB Home Loan offers subsidy to maximum 20 years tenure availed by borrowers.

Punjab National Bank Home Loan Customer Care

You can directly visit PNB Site

Visit official site & fill basic details to continue online chat

You can directly contact for Products & Services inquiry,

Call at 1800 120 8800
Email to ustomercare@pnbhousing.com

Apply Now:-Loan Against Securities