PNB Housing Finance Home Loan

Updated on May 29, 2025

Author: MybankingTips Team

PNB Housing Finance Limited (PNBHFL) provides home loans starting from 8.50% per annum for tenures up to 30 years, with loan amounts of up to 90% of the property’s value. Additionally, PNB Housing Finance offers Roshni Home Loans, special affordable housing loan schemes for low-income applicants with sufficient repayment capacity for home loans, even without formal income proofs.

PNB Housing Finance Home Loan Highlights 
Interest Rate 8.50% – 14.50% p.a.
Loan Amount Rs 8 lakh onwards
Loan Tenure Up to 30 years
LTV Ratio Up to 90% of property value
Processing Charges Up to 1% of loan amount + GST
Minimum Monthly Income Rs 15,000

Pre Approved Home loan | Check Eligibility & Apply Online

Table of Contents
Compare Interest Rates offered by other Lenders
Interest Rates
Types of PNB Housing Finance Home Loans
Processing Fees & Charges
Eligibility Criteria for PNB Housing Finance Home Loan
Documents Required
EMI Calculator
FAQs

Compare Interest Rates offered by other Lenders

Name of Lender Up to Rs. 30 Lakh Above Rs. 30 Lakh to Rs. 75 Lakh Above Rs. 75 Lakh  
SBI Bank 8.40% - 10.15% p.a. 8.40% - 10.05% p.a. 8.40% - 10.05% p.a. Apply Now
HDFC Bank Limited 8.40% p.a. onwards 8.40% p.a. onwards 8.40% p.a. onwards Apply Now
Kotak Mahindra Bank 8.70% p.a. onwards 8.70% p.a. onwards 8.70% p.a. onwards Apply Now
ICICI Bank 8.75% p.a. onwards 8.75% p.a. onwards 8.75% p.a. onwards Apply Now
Federal Bank 8.80% p.a. onwards 8.80% p.a. onwards 8.80% p.a. onwards Apply Now
L&T Finance Limited 8.60% p.a. onwards 8.60% p.a. onwards 8.60% p.a. onwards Apply Now
Bajaj Housing Finance 8.50% p.a. onwards 8.50% p.a. onwards 8.50% p.a. onwards Apply Now
LIC Housing Finance 8.35% - 10.35% p.a. 8.35% - 10.55% p.a. 8.35% - 10.75% p.a. Apply Now
PNB Housing Finance 8.50% - 14.50% p.a. 8.50% - 14.50% p.a. 8.50% - 11.45% p.a. Apply Now
Punjab National Bank 8.45% - 10.25% p.a. 8.40% - 10.15% p.a. 8.40% - 10.15% p.a. Apply Now
Bank of Baroda 8.40% - 10.65% p.a. 8.40% - 10.65% p.a. 8.40% - 10.90% p.a. Apply Now
IDFC First Bank 8.75% p.a. onwards 8.75% p.a. onwards 8.75% p.a. onwards Apply Now
Tata Capital Housing Finance 8.70% p.a. onwards 8.70% p.a. onwards 8.70% p.a. onwards Apply Now
Axis Bank 8.70% - 13.30% p.a 8.70% - 13.30% p.a 8.70% - 9.10% p.a. Apply Now
Godrej Housing Finance 8.55% p.a. onwards 8.55% p.a. onwards 8.55% p.a. onwards Apply Now

Also read: Best Home Loan in India

 

PNB Housing Loan Interest Rates

PNB Housing Loan interest rates begin from 8.50% per annum onwards, depending on factors such as the loan amount, credit score, employment type, and the type of home loan scheme offered to its applicants.

PNB Housing Home Loan

 For Loan Amount up to 35 lakh

Credit Score Interest Rates (p.a.)
Salaried / Self – employed professional (SEP) Self – employed non – professional (SENP)
>=825 8.50% - 9.00% 8.80% - 9.30%
>800-825 8.50% - 9.00% 8.90% - 9.40%
>775 to 799 9.10% - 9.60% 9.65% - 10.15%
>750 to <=775 9.25% - 9.75% 9.80% - 10.30%
> 725 to <=750 9.55% - 10.05% 10.25% - 10.75%
> 700 to <= 725 9.85% - 10.35% 10.55% - 11.05%
> 650 to <= 700 10.25% - 10.75% 10.75% - 11.25%
Upto 650 10.25% - 10.75% 10.75% - 11.25%
NTC** Cibil >170 10.25% - 10.75% 10.65% - 11.15%
NTC** Cibil <=170 10.15% - 10.65% 10.55% - 11.05%

For Loan Amount above 35 lakh

 

Credit Score Interest Rates (p.a.)
Salaried / Self – employed professional (SEP) Self – employed non – professional (SENP)
>=825 8.50% - 9.00% 8.80% - 9.30%
>800-825 8.50% - 9.00% 8.90% - 9.40%
>775 to 799 9.20% - 9.70% 9.80% - 10.30%
>750 to <=775 9.35% - 9.85% 10.15% - 10.65%
> 725 to <=750 9.70% - 10.20% 10.30% - 10.80%
> 700 to <= 725 10.05% - 10.55% 10.75% - 11.25%
> 650 to <= 700 10.45% - 10.95% 10.95% - 11.45%
Upto 650 10.45% - 10.95% 10.95% - 11.45%
NTC** Cibil >170 10.45% - 10.95% 10.85% - 11.35%
NTC** Cibil <=170 10.35% - 10.85% 10.75% - 11.25%

PNB Housing Plot Loan

For Loan Amount up to Rs 35 lakh

Credit Score Interest Rates (p.a.)
Salaried/Self-employed Professionals Self-employed Non-Professionals
>=825 9.50% - 10.00% 9.80% - 10.30%
>800-825 9.50% - 10.00% 9.90% - 10.40%
>775 to 799 10.10% - 10.60% 10.65% - 11.15%
>750 to <=775 10.25% - 10.75% 10.80% - 11.30%
> 725 to <=750 10.55% - 11.05% 11.25% - 11.75%
> 700 to <= 725 10.85% - 11.35% 11.55% - 12.05%
> 650 to <= 700 11.25% - 11.75% 11.75% - 12.25%
Upto 650 11.25% - 11.75% 11.75% - 12.25%
NTC** Cibil >170 11.25% - 11.75% 11.65% - 12.15%
NTC** Cibil <=170 11.15% - 11.65% 11.55% - 12.05%

For Loan Amount above Rs 35 lakh

Credit Score Interest Rates (p.a.)
Salaried/Self-employed Professionals Self-employed Non-Professionals
>=825 9.50% - 10.00% 9.80% - 10.30%
>800-825 9.50% - 10.00% 9.80% - 10.30%
>775 to 799 10.20% - 10.70% 10.80% to 11.30%
>750 to <=775 10.35% to 10.85% 11.15% to 11.65%
> 725 to <=750 10.70% to 11.20% 11.30% to 11.80%
> 700 to <= 725 11.05% to 11.55% 11.75% to 12.25%
> 650 to <= 700 11.45% to 11.95% 11.95% to 12.45%
Upto 650 11.45% to 11.95% 11.95% to 12.45%
NTC** Cibil >170 11.45% to 11.95% 11.85% to 12.35%
NTC** Cibil <=170 11.35% to 11.85% 11.75% to 12.25%

PNB Housing Roshni Home Loan

Profile Interest Rate (p.a.)
Salaried 10.50% - 14.25%
Self-employed Non Professionals 11.50% - 14.50%

Types of PNB Housing Finance Home Loan

PNBHFL Home Purchase Loan

Purposes: PNB Housing provides loans for buying, building, renovating, or expanding homes.

LTV Ratio: Up to 90% of property value

Tenure: Up to 30 years

PNBHFL Home Loan for NRIs

Purposes: PNB Housing provides NRI Home loans to Non-Resident Indians and Persons of Indian Origin, enabling them to finance the purchase, construction, improvement, and renovation of residential properties in India.

PNBHFL Roshni Home Loan

Purposes: PNB Housing's Roshni Home Loan is a scheme tailored for individuals who are new to credit or self-employed, particularly from low to middle-income groups, with informal income. Applicants must have a minimum monthly household income of Rs 10,000 to be eligible.

Loan Amount: Rs 5 lakh to Rs 50 lakh

LTV Ratio: Up to 90%

Tenure: Up to 30 years

PNBHFL Home Construction Loan

Purposes: Individuals can get PNB Housing Finance Home Construction Loans to finance the building of their homes.

Tenure: Up to 30 years

PNBHFL Home Improvement Loan

Purposes: PNB Housing provides Home Improvement Loans for upgrading, repairing, tiling, flooring, roofing, waterproofing, plumbing, installing false ceilings, electrical work, and woodwork in existing residential properties.

PNBHFL Residential Plot Loan

Purposes: PNB Housing Home Loan applicants can obtain Plot Loans to finance the purchase of residential plots in urban areas.

LTV Ratio: Up to 70-75% of plot’s market value

PNBHFL Home Extension Loan

Purposes: You can get Home Extension Loans from PNB Housing Finance to add extra space to your current home.

Also Read : Best Home Loan EMI Calculator

 

PNB Housing Loan Processing Fees & Charges

Particulars Charges
Processing Fees 0.5% of loan amount subject to a min. of Rs. 10,000
Overdue Charge 2% per month on overdue payment
Legal/Recovery/Title Search Fees As per actuals
Cheque/NACH Mandate Form return Rs 500
CERSAI Fees

For loans disbursed after January 31, 2016: Rs. 100

For loans disbursed prior to January 31, 2016: Rs. 500
Conversion of Rate of Interest

Floating to Floating Rate of Interest: 0.50% of principal outstanding

Fixed to Floating Rate of Interest: 2% of principal outstanding
Part or Full Prepayment Charges

1. Floating rate of interest by the individual borrower: No charges for prepayment.

2. Floating rate of interest by non-individual borrower (applicant or co-applicant): 2% of principal prepaid.

3. Fixed rate of interest by the individual borrower: 3% of principal prepaid. If prepayment is from the borrower's own source, then no fee is applicable.

4. Fixed rate of interest by non-individual borrower (applicant or co-applicant): 3% of principal

Also read: Best Home Loan Fees and Charges

Eligibility Criteria for PNB Housing Finance Home Loan

  • Age Range: 21-70 years
  • Minimum Work Experience: 3 years
  • Credit Score Requirement: 611 and above
  • Employment Types: Salaried, Self-employed Professional, Self-employed Non-Professional
  • Nationality: Indian Resident, NRI (Non-Resident Indian), PIO (Person of Indian Origin)

Also Read : Best Home Loan Eligibility

Documents Required for PNB Housing Loan Application

For Salaried

  • Address proof – Driving License, Passport, Aadhar card, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority
  • Age Proof – PAN Card, Passport, Any other Certificate from Statutory Authority
  • Income Proof – Form 16 for last 2 years, salary slips of last 3 months, latest 6 months’ bank statement

For Self Employed

  • Age Proof – PAN Card, Passport, Any other Certificate from Statutory Authority
  • Address proof – Aadhar card, Ration Card, Driving License, Telephone Bill, Passport, Election Card, Any other Certificate from Statutory Authority,
  • Income Proof – Pertaining to business and ITR, such as proof of business existence, accountant-certified balance sheets, last 3 years’ income tax returns, and last 12 months’ bank account statement

For PNBHFL NRI Home Loans, the following documents are typically required:

  1. Age proof: Passport, PAN card, or other certificates from statutory authority
  2. Duly filled application form along with a photograph
  3. Salary slips of the last 3 months
  4. Copy of work permit, passport, or PIO card
  5. Copy of Title Deed of Property, approved plan, etc.
  6. Educational qualifications documents
  7. Appointment letter from the current employer
  8. Bank statement for the last 6 months showing salary credits
  9. Income statement from employers for the last 2 months
  10. Residence proof: Passport, driving license, telephone bill, election card, ration card, or any other certificate from statutory authority
  11. Processing Fee Cheque in favor of ‘PNB Housing Finance Limited’
  12. Detailed estimate of cost from the architect or valuer in the case of renovation or construction.

Also Read : Best Home Loan Documents Required

Frequently Asked Questions

Yes, at PNB Housing Finance, you can apply for a joint home loan with your immediate family member. Joint home loan applications are often more likely to get approved compared to individual home loans. Additionally, opting for a joint home loan can enable you to avail higher income tax benefits.

Yes, it is possible to have two home loans simultaneously, but it's important to ensure you have sufficient repayment capacity to manage both loans effectively.

PNB Housing typically takes 5-7 days to approve home loan applications. However, if applicants fail to provide necessary income or property documents, the approval process may be delayed. Also read: Best Home Loan Balance Transfer

Yes, the minimum credit score required for availing home loans from PNB Housing Finance is 611.

Prospective home loan borrowers have multiple options to apply for a PNB Housing Home Loan: 1. Through the official website of PNB Housing Finance. 2. By calling or sending an SMS to the toll-free number of PNB Housing Finance. 3. By clicking on a provided link to apply for a PNB Housing Home Loan while comparing interest rates offered by top lenders.

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