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    We found 1 PNB Housing Finance
    Bank Name
    Interest Rate Range
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    Loan Amount
    Tenure Range
    8.85% - 9.5% (1% higher for plot loans) Fixed/Floating
    Up to 0.50% (min. ₹10,000 + GST) One time fee
    8L Min
    1-30 Years
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    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
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    PNB Housing Finance is Rated as "Great!" by 975 Users

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    PNB Housing Finance

    PNB Housing finance is a branch Punjab National Bank. The bank has an enormous customer base and provides a widespread line of home loan products for the public, private builders, government employees, etc. PNB housing finance home loans can be availed by visiting one of their several branches spread across the nation.

    PNB HOUSING Home Loan Interest RatesUpdated on 22 Jun 2018

    PNB HOUSING Home Loan Interest Rates Details
    Interest Rate 8.85% to 9.5% (1% higher for plot loans)
    Processing Fees Up to 0.50%, Minimum Rs. 10000 + GST
    Loan Tenure 1 year to 30 years
    Guarantor requirement No guarantor required
    Partial PrePayment Charges Nil
    Pre Closure Charges Nil
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    PNB Housing Loan

    Home Loan By Top Banks

    PNB Housing Finance Limited offered various home loans to choose a solution that works best for him/her. From home loans dedicated to the purchase of property, construction, extension of the house, to loans that help in the functional improvement of a home, the options are many. The choice, is yours.

    The PNB Housing Finance Home Loan comes in the formats listed herein. Expounding, each offers a specialised home loan solution the fits snugly with your specific requirements.

    1. Home Purchase Loan: For the construction, purchase or extension of your living space.
    2. Home Construction Loan: For the self-construction of a residential home.
    3. Home Extension Loan: To help you add more space to your existing home.
    4. Home Improvement Loan: For the aesthetic and/or functional improvement of your home. This can include internal/external repairs, roofing, painting, waterproofing, plumbing, electrical works, etc.
    5. Residential Plot Loan: For the purchase of a residential plot of land in an urban area, where subsequently, your house will be built.
    6. Loan for NRIs: To help NRIs construct, purchase, repair or renovate residential properties in India.

    All of these home loan products are backed by a solid customer support initiative and the company’s hard earned on-field experience. No wonder PNB Housing Finance is this popular- the company has taken the time to understand its target audiences’ base requirements and fashioned home loan products in line with said requirements.

    Owning a house is a smart investment and comes with great tax benefits. Explore Home Loans

    Features of PNB Housing Finance

    PNB Home Loan

    The salient features of a PNB Housing Home Loan are listed herein,

    • Expansive network of operational branches spread across India.
    • Loans for all requirements- Purchase, Construction, Extension, Improvement and Plot loans.
    • Hassle free application processing, transparent procedures and zero red-tape.
    • Quick and easy approval and disbursal of loans, thanks to an efficient service delivery model.
    • Robust customer support handled by highly qualified professionals.
    • Ethics, Integrity and Openness are central pillars at PNB HOUSING.
    • Easy repayment options.

    PNB Housing Finance Loan Eligibility

    The eligibility criteria set for the acquisition of a home loan from PNB Housing Finance Limited are as follows,

    • The applicant must be an Indian citizen or a fully documented NRI. Essentially, a Person of Indian Origin (PIO).
    • The applicant’s age must not exceed 70 years at the time of loan maturity.
    • If the applicant is looking for the NRI Loan, he/she must have worked for at least one year in a foreign country. Employed people who go abroad on deputation aren’t eligible for this loan.

    Documentation Required for PNB Housing Loan

    The following documents must be submitted at the initiation of the loan acquisition process:

    • Completed application form with photographs.
    • Proof of Age- Passport, PAN Card, Driving License, etc.
    • Proof of Residence- Passport, Driving License, Telephone Bill, Ration Card, Voter’s ID, etc.
    • Educational Qualifications- Documents in this regard, latest degree.
    • Copy of Passport/ PIO card and work permit (case based requirement).
    • Salary slips from the last 3 months.
    • Employment Proof- Appointment letter from current job, income statements for 2 years.
    • Form 16 for the last 2 years.
    • Last 6 months bank statement detailing the salary account.
    • Processing Fee- Cheque drawn in favor of 'PNB Housing Finance Ltd'.
    • Copies of title documents of the property and the approved plan.
    • In case of Construction/ Renovation- Cost estimate from the Architect.
    • Kindly note that, all of these documents must be self-attested by the applicant.

    Tired of paying rent? Maybe it’s time you got your own abode. Explore Home Loans

    PNB Housing Finance Interest Rate

    PNB Housing Finance Interest rates are based on the benchmark PNBHFR of 8.50% to 9.25% per annum.

    Floating Rate

    Home Loan Schemes Interest Rate - 1 Year MCLR Basis
    Upto 75 Lakhs Above 75 Lakhs
    Floating Rate - Women 0.20% + MCLR 0.25% + MCLR
    Floating Rate - Others 0.25% + MCLR 0.30% + MCLR
    Floating Rate - PNB PRIDE 0.20% + MCLR 0.25% + MCLR
    Floating Rate - OD HL 1.40% + MCLR

    Fixed Rate

    Home Loan Schemes Interest Rate - 1 Year MCLR Basis
    Fixed Rate - General 0.50% + Floating
    Fixed Rate - PNB PRIDE 0.50% + Floating PNB PRIDE

    The interest rate will automatically get converted into the prevailing floating rate at the time post the fixed-rate period for the remaining loan amount.

    • Rates of interest are subject to change at the sole discretion of PNB Housing
    • Central/State Government employees, defence personnel, and individuals in the para military forces are eligible for PNB PRIDE.
    • A woman should be the single applicant or a co-applicant for the home loan. She should also be the single owner or a co-owner of the financed property.

    PNB Housing Finance Fees and Charges:

    • Account statement - Rs.200 plus applicable taxes.
    • Change of the repayment mode - Rs. 500 plus applicable taxes.
    • Full prepayment or part prepayment of the loan amount (floating ROI) - 2% of the principle prepaid plus taxes.
    • Full prepayment or part prepayment of the loan amount (fixed ROI) - 3% of the principle prepaid plus taxes.
    • Statement for loan preclosure - Rs. 500 plus applicable taxes.
    • Return of Cheque/NACH mandate form - Rs. 500 plus applicable taxes.
    • CERSAI fees - Rs. 500 plus applicable taxes.

    PNB Housing Home Loan EMI Calculator

    A Home Loan Calculator, or Home Loan EMI Calculator, is helpful with the electronic computation of the Equated Monthly Installments (EMI) that applies to your loan. When speaking of home loans from PNB HOUSING, the EMIs can be calculated by using the immensely helpful, time saving and highly interactive Home Loan EMI Calculator on BankBazaar website.

    This calculator offers the following advantages:

    1. Super Fast: EMI calculation for your home loan can be accomplished in minutes.
    2. Lots of Information: Gather a lot of information associated with your home loan- applicable EMI amount, amortization details etc.
    3. 100% Free: Using this handy tool is completely free of cost.
    4. Try Different Combinations: Enter different PNB HOUSING home loan interest rates or tenures and analyse the resultant EMI. Find the combination that works best for you.

    PNB Housing Finance home loan is robust, highly customer centric and comprehensive. Offering attractive interest rates and a solution for every home loan requirement, the PNB Housing Finance Home Loan is a definite favourite to deserve your time and attention.

    Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme By PNB Housing Finance

    The Credit Linked Subsidy Scheme is offered by the PNB Housing Finance for Middle Income Group (MIG), Lower Income Group (LIG) and Economically Weaker Section (EWS) categories under the Pradhan Mantri Awas Yojana (PMAY).

    The Ministry of Housing and Urban Poverty Alleviation or MoHUPA introduced the Credit Linked Subsidy Scheme. The introduction of the scheme was announced by Prime Minister Narendra Modi. The Government of India aims at providing housing for all by 2022 under this scheme.

    Under the Pradhan Mantri Awas Yojana, the customer can enjoy interest subsidy on enhancement, construction or purchase of a house.

    Features of the PMAY Scheme:

    • In case of LIG and EWS, women ownership is a must when buying a new house.
    • The interest subsidy is calculated for a period of 20 years.
    • All applicants must of immediate family including unmarried children, spouse and self.
    • The advantages can be availed for purchase of the first property.

    Benefits of the PMAY Scheme:

    • The service delivery model is strong. The doorstep services ensure that the loan approval and disbursal is fast and easy.
    • There are no foreclosure or prepayment charges on the home loan.
    • The PNB branches are spread across the country. The bank has served customers for a period of 29 years.
    • The eligibility program can be customised to work out a loan amount.
    • Up to 90% of the value of the property can be availed as loan.

    Eligibility Criteria for Applying PMAY Housing Finance Scheme:

    • This scheme can be availed by individuals only.
    • All the applicants must be above the age of 18 years.
    • All applicants must of immediate family including unmarried children, spouse and self.
    • The beneficiary cannot own a pucca house anywhere in India. Any member of his/her family can also not have a pucca house.
    • For EWS and LIG categories, the annual income of the applicant can be up to up to Rs.6 lakh. The annual income of applicants belonging to MIG 1 can be between Rs.6.01 lakh and Rs.12 lakh. The annual income of applicants belonging to MIG 2 can be between Rs.12.01 lakh and Rs.18 lakh.
    • Extension or renovation must be used for converting a kuccha house to a pucca house.

    Documents Required for PMAY Scheme:

    • Duly filled application form along with recent photograph.
    • KYC documents including PAN and Aadhaar.
    • All educational qualification certificates.
    • Salary slip for the past 3 months for salaried employees. Proof of business along with profile for the self-employed applicants.
    • Form 16 for the past 2 years for all the salaried applicants. For self-employed applicants, certified valance sheets and income tax return certificates for 3 years are required.
    • In case of extension loan or construction loan, affidavit on the requisite stamp paper on property ownership is required.
    • Photocopy of all the property documents.
    • Customer’s self-declaration for the family income.

    Effective Rate of Interest for Pradhan Mantri Awas Yojana:

    The effective rate of interest is 6.5% on loan amount upto Rs. 6 lac for tenure of 20 years. The net value of the interest subsidy will be calculated at a discounted rate of 9%.

    Why Apply for a PNB Housing Finance Home Loan on BankBazaar?

    Applying for a home loan on BankBazaar offers the following unbeatable advantages:

    1. Save Time: Avoid running around for your PNB HOUSING home loan. From checking out all the features, to applying and running down the list of required documents, to finally receiving confirmation from PNB HOUSING, everything happens quickly and smoothly- thanks to BankBazaar’s interactive and informative approach.
    2. All the Information You Need: Everything important, from the basic terms and conditions to the eligibility factors, from PNB housing finance interest rate to documentation required, find everything you need, here!
    3. Compare and Review: Compare the PNB HOUSING home loan against other loan options available in the Indian market. Read reviews from your peers about their own borrowing experience, clear nagging queries by contacting BankBazaar’s expert customer support team.
    4. Simple and Transparent Application Process: No hidden charges, no red-tape, not too technical that only a rocket scientist can understand, and immensely respectful of your requirements and limitations.
    5. 100% Safe: Your personal information is treated with the maximum care, never shared with anyone other than PNB HOUSING and passed through robust, encrypted systems that have 0% tolerance towards malicious intent.
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    News About PNB Housing Finance

    • PNB Finance goes up by 4%

      The shares of PNB housing finance went up by 4% recently. The shares of PNB housing finance traded at Rs.1,128 on BSE. It was up by 2.19%. Sunil Mehta, PNB Chief stated that the bank might monetise the non-core assets in bid for strengthening the capital position of the lender. PNB has a stake of 33% in PNB housing finance.

      27 March 2018

    • PNB Housing Finance to Procure $400 Million through Masala Bonds

      PNB Housing Finance Corporation is planning to raise $400 million - roughly Rs.2,500 crore with the help of masala bonds to fund its affordable housing plans.

      Masala bonds are financial instruments with which Indian entities can access foreign markets to raise funds. The bonds are issued in Indian Rupees and therefore, the investor is subjected to the currency risk.

      $150 million of this $400 million will be provided International Finance Corporation - World Bank’s private investment arm. The rest of the funds will be generated from overseas investors.

      5 March 2018

    • PNB Housing Finance: Borrowing cost likely to increase by 12-15 bps for FY 18

      On Tuesday, December 26, 2017, the 10-year bond recorded a rise close to 7.3 percent. This led to Sanjaya Gupta, the MD of PNB Housing Finance analyse the impact of this spike on the cost of borrowing.

      He said that there will be an increase in the cost of borrowing, albeit it will be slow and not instantly. This rise may be by 12-15 base points, for the FY18. Additionally, it is worth mentioning that roughly 82 percent of the company’s loan portfolio is governed by the variable interest rate.

      16 January 2018

       

    • PNB Housing Finance Stocks Show Upward Trend

      PNB Housing Finance Limited’s share price has recently been corrected by approximately 17% from a 52 week high. In the year 2011, the management was changed and PNB Housing Finance Limited went through an inspiring turnaround. During Financial Year 2012-2017, the loan CAGR stood at 60%.

      This turnaround was driven by expansion in some new territories, market penetration, etc. The market share of PNB Housing Finance went up to more than 2% from approximately 0.5%. This growth made it the fifth largest HFC or housing finance company in this country. PNB Housing Finance mostly caters to the upper middle class and middle class segments.

      7 December 2017

       

    • Experts Believe That PNB Housing Will Maintain Their High Growth Momentum

      Punjab National Bank has reported a 51% hike in their year-to-year increase in their quarterly net profit. It is believed that this increase was mainly due to increase in home loans. PNB stated that they have recorded a profit of Rs.208 crore which was Rs.138 crore last year. It is notable that the bank paid a dividend at Rs.6 per share. The bank also recorded an increase in loan assets to Rs.48,749 crore.

      PNB Housing Finance has recorded a excellent performance in this quarter. It is notable that they even set up 24 new branches in the last 12 months. Though, PNB started these new branches, they still could record profit because they were able to maintain a tight leash on their costs. So, experts in the industry believe that the future is bright for PNB and they will maintain this growth momentum.

      6 November 2017

    • PNB Housing Finance plans on expanding with its IPO

      With an eye on expansion to smaller towns and cities, PNB Housing Finance plans to utilize a large chunk of its IPO (Initial Public Offering) to create a larger presence in markets with greater potential. It must be noted that the housing loan arm of PNB is planning to go public soon with an offer of Rs. 2,500 crore.

      At present, a little over 40% of its loan portfolio comes from the northern states. The fifth largest home loan company in the country will use the proceeds expand in tier 2 and tier 3 cities and towns. In order to increase its presence in the lower to middle income segment, it had launched a new home loan scheme earlier this year. Christened “Unnati’’, this scheme will offer a loan quantum of up to Rs.25 lacs at low rates. The IPO formalities are likely to be completed in the next 2-3 months.

      19 August 2016

       

    PNB Housing Finance Home Loan Reviews

    Write a Review
    • Punjab National Bank Home Loan
      "Very Prompt Service"
      0.5 4.5/5 "Excellent!"
      I have a got loan on time. Everything was done in a smooth process. I'm yet to pay the first month EMI. The people who are working in PNB housing are very prompt and responsive. They have offered me very good interest rate. For the first year, they have offered me interest rate of Rs. 8.4% and from the 2nd year the interest rates will be based on floating price. I have got a separate relationship manager.
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      , bangalore
      Reviewed on Jun 19, 2018
    • Punjab National Bank Home Loan
      "Easy Process and Good Experience"
      0.5 4.0/5 "Great!"
      Documentation process was quite easy. I have got the loan on time. The banking people are very helpful. As per the market standards they have offered me interest rate. Next month i have to pay the EMI. The processing fee is nominal when i compared to other banks. The overall experience is good and I'm very much satisfied about.
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      , hyderabad
      Reviewed on Jun 19, 2018
    • Punjab National Bank Home Loan
      "I'm Satisfied with PNB Housing"
      0.5 4.0/5 "Great!"
      They have given me that the rate of interest rate is 8.5% is applicable for 1 year. After 1 year, the interest rate is depends on the market rate. Process fee is nominal. Processing fee is okay and its like other banks. I have got the loan on time. They executive helped me a lot to sanction the loan quickly. The documentation process was good. I'm paying the EMI of Rs. 35000. I used to make the payment through ECS.
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      , mumbai
      Reviewed on Jun 18, 2018
    • Punjab National Bank Home Loan
      "Easy to Get loan"
      0.5 5.0/5 "Blown Away!"
      I have got a on time. I have to wait for sometime on registration. The representative was very helpful. I never called with their customer care. I have applied a loan amount of Rs. 35 lakhs. They charging 2.5 % as processing fee and interest rate of 8.5%. Overall, I'm satisfied with the PNB housing.
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      , salem
      Reviewed on Jun 18, 2018
    • Punjab National Bank Home Loan
      "Very convenient and helpful"
      0.5 4.0/5 "Great!"
      The date was they said for loan delivery, it took 2 days very late. The documentation executive was very helpful to me, he came to meet me on my convenient time. As of now the customer care service is fine. I have to collect the home documents, and EMI amount. The interest was like is normal. When i applied a interest and the post applied, the interest was different. The interest and processing fee is deducted from the loan. I have paid some Rs. 13000 as interest. I have told them that they have no processing fee.
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      , bangalore
      Reviewed on Jun 18, 2018
    • Punjab National Bank Home Loan
      "Very Nice and Quick service"
      0.5 5.0/5 "Blown Away!"
      The Best thing about PNB housing is familiar staff and prompt response from them. I have applied a loan amount of 1 Cr. They have offered me a interest rate of 8.35 %. The response from the people who working in PNB. I used to make the loan through Auto debit.
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      , gurgaon
      Reviewed on Jun 18, 2018
    • Punjab National Bank Home Loan
      "Professional Services"
      0.5 5.0/5 "Blown Away!"
      They have reduced the interest rate upto 8.5%. The overall documentation went very smooth. I have got the loan on time. I have applied around 45 lakhs as my loan amount. I'm paying around Rs. 68000 for my loan. I have chosen 10 years as tenure period. I never called their customer care people.
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      , hyderabad
      Reviewed on Jun 18, 2018
    • Punjab National Bank Home Loan
      "Hassle free services "
      0.5 4.0/5 "Great!"
      The response to email is not upto the mark. I have got a loan on time. Their process in easy. I have applied around 18 Lakhs. The interest rates are competitive. I wont say that processing is not much higher. I'm quite a happy with the PNB housing loan experience. Their is no difference between the private sector banks and PNB Housing. Their is no much hassle free services from PNB. The Relationship Manager was very helpful to me.
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      , kolkata
      Reviewed on Jun 18, 2018
    • Punjab National Bank Home Loan
      "Services are worst. "
      0.5 1.0/5 "Really Bad"
      Their is no processing fee for my Home loan. The communicating is different and they are doing different. They initially said the interest rates 8.33% but they offered me 8.5%. Until the money is disbursed they did not inform me. The agent to whom i submitted the documents he does not know anything about the company. He gave fully wrong information Since he is new. It took 2 months to process my loan. I'm not satisfied with the PNB Housing.
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      , hyderabad
      Reviewed on Jun 18, 2018
    • Punjab National Bank Home Loan
      "They Improve their services"
      0.5 1.0/5 "Really Bad"
      They are not well equipped. Every time the requirement is changing. Even the employees not aware of the procedure. Initially they offered a interested 8.35%. After i submit the submitted the documents and received the sanction letter the increased to 8.40%. Initially they are not informed me about the Insurance premium. After 2 months installment, they have blocked some amount of Rs. 36000 without any information to me. When i asked them they told me that this amount will be adjusted if I am not paying any EMI at any services.
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      , mumbai
      Reviewed on Jun 18, 2018
    • Punjab National Bank Home Loan
      "Satisfying Experience"
      0.5 4.5/5 "Excellent!"
      I have got my loan on time. The documents has been discussed with the representative of bank collected the documents and checked my credit score as well. It disbursed in some times. After providing all the documents it took 7 to 10 years to get the loan. They are offering a interest rate of 8.4%. I'm happy with the loan and the services offered to me.
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      , noida
      Reviewed on Jun 18, 2018
    • Punjab National Bank Home Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      The experience in getting the loan from them has not been that great. All the other things has been okay with them except there has been some issues with the loan account. The interest rate which they had charged also has been slightly higher than the market rate.
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      , bangalore
      Reviewed on Jun 18, 2018
    • Punjab National Bank Home Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      My home loan was taken with PNB. The experience was not good at all since the interest rate show on the website was less than the interest rate which was given to me after disbursement which is disappointing . They even extra charged me rs ,10,000 when i faced some issues with the loan disbursed. The loan amount was 45 lakhs and the i am not satisfied with the given interest rate .
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      , noida
      Reviewed on Jun 16, 2018
    • Punjab National Bank Home Loan
      "Very good"
      0.5 4.0/5 "Great!"
      My home loan was taken with PNB . I had a very good experience .The executives cooperated a lot and the process was also very simple. They have provided door step service for collecting documents., The loan amount was 33 lakhs and the interest rate was 8.55% which is average. The tenure period was 20 years. The customer service and responses was very good overall.
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      , noida
      Reviewed on Jun 16, 2018
    • Punjab National Bank Home Loan
      "Hopeless Loan services from PNB"
      0.5 2.0/5 "Expected more"
      Lots of issues i have faced with PNB housing when i purchase a loan from them. I have not received my loan on time. After lots of trouble, before i get the customer. Interest rates are nominal like other banks. The documentation process was only went smooth. There were nothing is proper with them
      Was this review helpful? 0

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      , bangalore
      Reviewed on Jun 14, 2018
    • Punjab National Bank Home Loan
      "They are not do the loan it on time. "
      0.5 3.5/5 "Pretty good"
      Their is no best features in this PNB Housing. It took lot of time to disburse the loan. It took 20 days to give the loan. They were having some trouble with the documents. They were not asking the some documents after that only they asked. Whenever i asked the reason, they said different reasons. Normally, if all the documentation completed, then it will take only 5 days to disburse the loan. They told me that the process fee is 5500. Apart from the processing fee, they are charging some other service charges. When the loan is about to disburse the loan they asked me 1500 extra for stamp paper charges. They were transparent at all.
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      , new delhi
      Reviewed on Jun 14, 2018
    • Punjab National Bank Home Loan
      "Good Customer Service"
      0.5 4.0/5 "Great!"
      Unfortunately i have not say the exact amount. When i process for the loan they said Rs. 8000 for Processing fee. I have got a longer tenure. Overall, I'm happy about the services. I never had to go their office for a loan. The processing was quick. I have got a loan within 12 days. They have inform all the charges to the customer. They have charged me around Rs. 3500 for application fee.
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      , noida
      Reviewed on Jun 14, 2018
    • Punjab National Bank Home Loan
      "My bad luck thas the reason i have selected PNB."
      0.5 1.0/5 "Really Bad"
      They have not informed me about the EMI charges and other service charges. Now the loan is processed through client till date. I have not got the loan because of the registration has not done but EMI has started without any prior intimation to me. If have informed all things before to me, it would be fine. I have sent mail to the concern team but no action taken on that. Their is no proper communication from the PNB housing team.
      Was this review helpful? 0

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      , new delhi
      Reviewed on Jun 14, 2018
    • Punjab National Bank Home Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      From PNB HOUSING FINANCE LIMITED i use my housing loan. I use since 2.5 years. Fixed rate of interest that i am getting in my loan where the interest is 9.95% and it is high. I got the loan very quickly. i ma satisfied with the loan where i have taken for my loan.
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      , hyderabad
      Reviewed on Jun 13, 2018
    • Punjab National Bank Home Loan
      "Good"
      0.5 4.0/5 "Great!"
      My home loan was taken with PNB . The loan amount was 12 lakhs and the interest rate was 8.45% which is average.The tenure period was 15 years . They have sanctioned the loan with the committed time. The customer serce and responses was up to the mark.
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      , chennai
      Reviewed on Jun 12, 2018
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