Personal, home, vehicle & other loans

PNB Housing Loan for Public

Housing finance for construction, purchase, plot purchase, additions, repairs, renovation and furnishing, with limits, margins and repayment periods varying by purpose.

Interest rateFloating: 7.20%–9.10% p.a. across the displayed CIBIL/LTV rows; PNB Pride rows start at 7.25% p.a. Fixed: 8.20%–10.60% p.a. across displayed bands, depending on score, LTV and whether fixed tenure is up to or above 10 years. Campaign: 01-10-2026 to 31-12-2026.Maximum financeConstruction, additions and house/flat purchase: need-based on project cost and repayment capacity. Residential plot: maximum ₹1,00,00,000. Repairs/renovation/alterations: maximum ₹1,00,00,000. Furnishing: up to 25% of home loan or ₹1,00,00,000, whichever is lower, within LTV.Maximum amountNeed-based for construction, additions and house/flat purchase; plot purchase up to ₹1,00,00,000; repairs/renovation/alterations up to ₹1,00,00,000; furnishing up to 25% of the home loan or ₹1,00,00,000, whichever is lower, within LTV.

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✓ Manually checked 7 Oct 2026 · active

Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeHousing loan for individuals and co-borrowers.View source

The page names Housing Loan for Public and permits individuals or co-borrowers with assured regular income.

Source: Affordable Housing Loan for Public — PNB
Page / section: Eligibility; page last updated 08-04-2026
Accessed: 7 Oct 2026
Confidence: high

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Loan purposeConstruction or purchase of a house/flat; purchase of under-construction homes from listed housing boards, development authorities, co-operative societies, approved private builders/projects; additions; repairs, renovation, alterations or furnishing; cost escalation for existing under-construction borrowers; or residential plot purchase for house building.View source

Each listed purpose is part of the named public Housing Loan; distinct top-up and composite facilities are excluded.

Source: Affordable Housing Loan for Public — PNB
Page / section: Purpose, page lines 493–500
Accessed: 7 Oct 2026
Confidence: high

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EligibilityIndividuals or co-borrowers with an assured regular income; listed groups include salaried employees, professionals, self-employed people, business owners and farmers. PNB staff are also eligible under the public scheme. Spouse, earning children and joint owners' income may be clubbed when they are co-borrowers; parents may co-borrow and have income clubbed in the specified property-title cases.View source

The page names regular income and the listed borrower groups, then specifies co-borrower income-clubbing cases.

Source: Affordable Housing Loan for Public — PNB
Page / section: Eligibility and Repayment, page lines 501–529
Accessed: 7 Oct 2026
Confidence: high

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Maximum financeConstruction, additions and house/flat purchase: need-based on project cost and repayment capacity. Residential plot: maximum ₹1,00,00,000. Repairs/renovation/alterations: maximum ₹1,00,00,000. Furnishing: up to 25% of home loan or ₹1,00,00,000, whichever is lower, within LTV.View source

The source assigns separate need-based and numeric ceilings to the listed purposes.

Source: Affordable Housing Loan for Public — PNB
Page / section: Quantum of Finance, page lines 504–509
Accessed: 7 Oct 2026
Confidence: high

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Maximum amountNeed-based for construction, additions and house/flat purchase; plot purchase up to ₹1,00,00,000; repairs/renovation/alterations up to ₹1,00,00,000; furnishing up to 25% of the home loan or ₹1,00,00,000, whichever is lower, within LTV.View source

PNB publishes need-based finance for core housing purposes and purpose-specific caps for plot, repairs and furnishing.

Source: Affordable Housing Loan for Public — PNB
Page / section: Quantum of Finance, page lines 504–509
Accessed: 7 Oct 2026
Confidence: high

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Borrower marginHousing loan up to ₹30 lakh: 20% or 10%; the 10% route carries a higher card rate, and PNB says the borrower must be informed before sanction. Above ₹30 lakh to ₹75 lakh: 20%. Above ₹75 lakh: 25%. Standalone residential plot: 25%. PNB's older general FAQ (last updated 18-09-2025) instead says 15%/20% for up to ₹30 lakh; the later public-scheme page (08-04-2026) is used for the product value.View source

The scheme's dedicated page is dated 08-04-2026 and directly states 20%/10% plus its higher-card-rate footnote; the older generic is dated 18-09-2025 and gives 15%/20%. The direct later scheme schedule is applied, with discrepancy preserved.

Source: Affordable Housing Loan for Public — PNB
Page / section: Margin and footnote; lines 510–517; cross-checked older PNB Housing Loan rows 586–588
Accessed: 7 Oct 2026
Confidence: high

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SecurityEquitable or registered mortgage of the property in question.View source

PNB states equitable/registered mortgage of the relevant property.

Source: Affordable Housing Loan for Public — PNB
Page / section: Security, page lines 519–521
Accessed: 7 Oct 2026
Confidence: high

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Repayment tenureUp to 30 years including moratorium for ordinary housing purposes; up to 15 years including moratorium for repairs, renovation or alterations. PNB's older generic FAQ separately limits tenure to 30 years or age 70; the dedicated scheme page does not repeat an age cap.View source

The direct scheme page distinguishes repairs from other purposes; the older age-70 condition is preserved as a separate statement, not silently merged into the product page.

Source: Affordable Housing Loan for Public — PNB
Page / section: Repayment; lines 522–526; cross-check PNB Housing Loan row 585
Accessed: 7 Oct 2026
Confidence: high

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Repayment holiday / moratoriumConstruction/additions: until completion or 18 months from first disbursement, whichever is earlier. Repairs/renovation/alterations: until completion or 6 months from first disbursement, whichever is earlier. Ready-built home/flat or land/plot: until possession or 3 months from advance, whichever is earlier.View source

Each period is conditional on completion/possession and capped from the first disbursement or advance, as stated by PNB.

Source: Affordable Housing Loan for Public — PNB
Page / section: Repayment Holiday/Moratorium, lines 530–535
Accessed: 7 Oct 2026
Confidence: high

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The table displays separate floating/fixed rates by and . PNB Pride receives its own displayed rows; fixed rates differ by tenure.

Source: PNB Retail Advances — housing and home-loan rate schedule
Page / section: Housing Loan/Home Loan table, all displayed rows; campaign banner, lines 484–499
Accessed: 7 Oct 2026
Confidence: high

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Rate benchmarkFloating rates are expressed as RLLR+BSP with row-specific spreads; the published current rates in the table are the resulting rates for this 01-10-2026 to 31-12-2026 campaign. PNB also publishes fixed-rate options by tenure.Effective 1 Oct 2026View source

PNB gives + plus a spread and the presently applicable rate for each row; do not substitute a single base for the listed customer-specific pricing.

Source: PNB Retail Advances — housing and home-loan rate schedule
Page / section: Housing Loan/Home Loan table, full displayed rows
Accessed: 7 Oct 2026
Confidence: high

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Processing and documentation chargesCurrent campaign (01-10-2026 to 31-12-2026): full waiver of Home Loan upfront/processing and documentation charges. Schedule outside the campaign: 0.35% of loan amount, minimum ₹2,500 and maximum ₹15,000; documentation ₹1,350. Takeover: ₹2,500 processing and ₹1,350 documentation. All charges exclude GST/taxes.Effective 1 Oct 2026View source

PNB's campaign table gives full waiver for Home Loan upfront/processing and documentation charges; the tariff separately lists standard rates and states all charges exclude /taxes.

Source: PNB Services Charges Related to Retail Advances
Page / section: Mortgage campaign, standard Processing Fees and Documentation Charges; last updated 05-10-2026
Accessed: 7 Oct 2026
Confidence: high

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Prepayment chargeNo prepayment charge for retail loans under the floating-rate option. PNB's Housing Loan FAQ does not state the charge treatment for a fixed-rate option.View source

PNB states there is no prepayment charge for retail loans under floating rate; the response does not address fixed-rate loans.

Source: PNB Frequently Asked Questions — Housing Loan section
Page / section: Housing Loan row 10; page last updated 18-09-2025
Accessed: 7 Oct 2026
Confidence: high

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Benefits and features

Need-based finance for construction, additions and home/flat purchase, subject to project cost and repayment capacity.
Plot purchase and repairs/renovation/alterations each have a published ₹1 crore ceiling; furnishing is limited to 25% of the home loan or ₹1 crore, whichever is lower, within .
Repayment up to 30 years for ordinary housing purposes; up to 15 years for repairs, renovation or alterations, each including any moratorium.
The current PNB UTSAV FESTIVITIES 2026 campaign waives home-loan upfront/processing and documentation charges through 31-12-2026.

Eligibility

Individuals or co-borrowers with an assured regular income; the page lists salaried employees, professionals, self-employed people, business owners and farmers. PNB staff are also eligible under the public scheme.
Spouse, earning children and joint owners may have income clubbed if made co-borrowers; parents may co-borrow and have income clubbed in the stated son/daughter property-title cases.
The scheme page's up-to-₹30 lakh margin row is 20%/10%; the 10% route carries a higher card rate, which the borrower must be told before sanction. PNB's older general differs at 15%/20%; the product-specific April 2026 scheme page is used here.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Completed loan application with photograph; identity, residence, age and educational-qualification proof; and income proof.
Salaried: latest employer salary certificate showing gross/net salary; /Form 16 for the last 2 years as applicable; salary-account statements for the last 6 or 12 months as applicable.
Agriculturist: landholding/cropping record or other income proof. Other individuals: and audited balance sheets where applicable for the last 2 years of business/activity and account statements for the last 6 or 12 months as applicable.
Where relevant, income proof for spouse, earning children or parents whose income is used to determine the loan amount; property papers depend on the transaction and tenure/title route. PNB calls the checklist suggestive and permits locally required or case-specific documents.

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹19,684nineteen thousand six hundred eighty-four rupees

Interest paid over the full loan₹22,24,096twenty-two lakh twenty-four thousand ninety-six rupees

Everything you repay₹47,24,096forty-seven lakh twenty-four thousand ninety-six rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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TableProductChoose column

PNB Housing Loan for Public · Published amountNeed-based; plot/repair up to ₹1 crore

This value is copied from PNB retail loans — published terms. Check the table notes before relying on it.

Source: PNB retail loan product pages · Housing, personal, pre-approved personal and gold loans Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 5 columnsPNB retail loans — published termsKey amounts, tenure and charges from PNB official product pages.View tableHide table