Personal, home, vehicle & other loans

PNB Housing Finance Scheme for and

Rupee housing finance for eligible / borrowers for a home or plot in India. PNB's June 2026 bulletin gives current scheme margins, plot and repair limits, and repayment routes; its older scheme page still supplies the document checklist.

Interest rate Maximum financeNeed-based on project cost and repayment capacity. Standalone plot finance is no more than 60% of the eligible home-loan amount. Repairs, renovation or alterations: maximum ₹50,00,000.Maximum amountNeed-based on project cost and repayment capacity. Standalone plot purchase is capped at 60% of the eligible home-loan amount; repairs/renovation/alterations are capped at ₹50,00,000. No general numerical ceiling for ordinary home purchase/construction is stated in the NRI scheme table.

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✓ Manually checked 7 Oct 2026 · active

Offered byPunjab National Bank

India property; eligible non-resident applicants

Key facts

What the official sources publish

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

Geographic limitsNon-Resident Indians and Overseas Citizens of India; PIO-card holders whose card was issued before 09-01-2015 are also eligible. The scheme webpage last updated 29-07-2019 is older and still names only NRIs/PIOs; the June 2026 bulletin supplies the newer OCI wording.View source

The manually reviewed product record states: “Non-Resident Indians and Overseas Citizens of India; -card holders whose card was issued before 09-01-2015 are also eligible. The scheme webpage last updated 29-07-2019 is older and still names only /; the June 2026 bulletin supplies the newer wording.”.

Source: PNB Housing Finance Scheme for and — official product page
Page / section: Published product metadata
Accessed: 7 Oct 2026
Confidence: high

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Loan typePNB housing finance scheme for eligible NRIs/OCIs and qualifying PIO-card holders for property in India.View source

The June 2026 bulletin titles the section PNB Home Loan Scheme for / and names those applicants as eligible, with pre-09-01-2015 -card holders also included.

Source: PNB Bulletin — June 2026
Page / section: p.5, heading and eligibility
Accessed: 7 Oct 2026
Confidence: high

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Loan purposeAcquire, construct, repair, renovate or improve a flat/house owned by an NRI/PIO/OCI in India; purchase a plot; or purchase an under-construction house/flat from Housing Boards, Development Authorities, Co-operative Societies or Private Builders. The property may be for self-occupation or letting out.View source

The June 2026 table lists acquisition/construction/repair/improvement, plot purchase and listed under-construction properties; use is self-occupation or rental.

Source: PNB Bulletin — June 2026
Page / section: p.5, Purpose
Accessed: 7 Oct 2026
Confidence: high

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EligibilityNon-Resident Indians and Overseas Citizens of India; PIO-card holders whose card was issued before 09-01-2015 are also eligible. The scheme webpage last updated 29-07-2019 is older and still names only NRIs/PIOs; the June 2026 bulletin supplies the newer OCI wording.View source

The current bulletin explicitly adds and limits additional -card eligibility to cards issued before 09-01-2015.

Source: PNB Bulletin — June 2026
Page / section: p.5, Eligibility; cross-check housing page updated 29-07-2019
Accessed: 7 Oct 2026
Confidence: high

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Maximum financeNeed-based on project cost and repayment capacity. Standalone plot finance is no more than 60% of the eligible home-loan amount. Repairs, renovation or alterations: maximum ₹50,00,000.View source

The June 2026 source states need-based finance, a 60% standalone-plot relation and a ₹50 lakh repairs/renovation/alterations cap.

Source: PNB Bulletin — June 2026
Page / section: p.5, Extent of Loan
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Maximum amountNeed-based on project cost and repayment capacity. Standalone plot purchase is capped at 60% of the eligible home-loan amount; repairs/renovation/alterations are capped at ₹50,00,000. No general numerical ceiling for ordinary home purchase/construction is stated in the NRI scheme table.View source

The scheme states need-based ordinary finance and only the listed numeric caps; no universal home-loan maximum is published in this table.

Source: PNB Bulletin — June 2026
Page / section: p.5, Extent of Loan
Accessed: 7 Oct 2026
Confidence: high

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Borrower marginHome loan: 20% up to ₹30 lakh; 20% above ₹30 lakh up to ₹75 lakh; 25% above ₹75 lakh. Standalone land/plot purchase for house building: 25%.View source

The table distinguishes home-loan amount bands from standalone-plot purchase margin.

Source: PNB Bulletin — June 2026
Page / section: p.5, Margin Parameters table
Accessed: 7 Oct 2026
Confidence: high

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Repayment tenureMaximum 30 years including any moratorium.View source

PNB states repayment shall not exceed 30 years including moratorium, if any.

Source: PNB Bulletin — June 2026
Page / section: p.5, Repayment
Accessed: 7 Oct 2026
Confidence: high

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Repayment routes and rental incomePrincipal, interest and all charges may be repaid by remittance from abroad, through NRE/FCNR(B)/NRNR/NRO/NRSR funds in India, or from property rent. If rented, all rental income is to be applied even when it exceeds the EMI; the borrower covers any shortfall. Close relatives in India may repay directly to the loan account. The older page says permanent returning residents may be allowed to repay in rupees.View source

The bulletin lists remittance/accounts/rent and direct close-relative repayment; the older page additionally says rupee repayment may be allowed after permanent return.

Source: PNB Bulletin — June 2026 and Housing Finance Scheme page
Page / section: Bulletin p.5, Repayment; page Repayment, lines 490–492
Accessed: 7 Oct 2026
Confidence: high

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SecurityEquitable mortgage of the property financed; PNB may also require a lien over the borrower's other assets in India.View source

The source says the loan is fully secured by equitable mortgage and allows a lien on other assets in India if necessary.

Source: PNB Bulletin — June 2026
Page / section: p.5, Security
Accessed: 7 Oct 2026
Confidence: high

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Interest rateView source

The linked official rate page returned Cache miss. The generic public housing schedule was reviewed but does not list an -specific rate; public/Pride rates must not be copied onto this scheme.

Source: PNB Interest Rates — link
Page / section: Official rate link from PNB navigation could not be retrieved; the generic housing rate schedule has no -specific row
Accessed: 7 Oct 2026
Confidence: medium

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APRView source

No is present in the accessible scheme sources, but the official -rate route could not be inspected; leave blank without classifying as a confirmed absence.

Source: PNB home-loan pricing sources
Page / section: rate route returned Cache miss; scheme page and June Bulletin p.5 do not show
Accessed: 7 Oct 2026
Confidence: medium

Open official source ↗

Processing and documentation chargesThe current tariff's Home Loan campaign row grants full waiver of upfront/processing and documentation charges through 31-12-2026. The reviewed tariff has no separate NRI Housing fee row; applicability after the campaign must be confirmed with PNB.Effective 1 Oct 2026View source

The tariff classifies the waiver under Home Loan generally and does not create a separate fee line; the fact is reported at that general category scope, without predicting post-campaign fees.

Source: PNB Services Charges Related to Retail Advances
Page / section: Mortgage campaign: Home Loan fee waiver; current tariff footer 05-10-2026
Accessed: 7 Oct 2026
Confidence: medium

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Benefits and features

Purpose includes acquisition, construction, repairs, renovation or improvement of a home, purchase of a plot and purchase of an under-construction home from the listed public/private bodies.
June 2026 terms allow up to 30 years including moratorium and use of remittances, specified Indian accounts, rental income or permitted direct repayment by close relatives in India.
For repairs/renovation/alterations, the June 2026 bulletin publishes a maximum of ₹50 lakh.

Eligibility

PNB's June 2026 Bulletin states and are eligible; -card holders issued before 09-01-2015 are also eligible.
The older scheme webpage, last updated 29-07-2019, names / and does not mention . The June 2026 bulletin is used for current applicant scope.
The scheme page and June bulletin do not state a numeric minimum income. Loan amount is need-based on project cost and repayment capacity.

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

Documents the bank lists

The scheme webpage, last updated 29-07-2019, lists photo ; Indian residence-address proof; verified passport and visa; attested current overseas address proof; and a card for applicants.
Employed overseas: employer , valid work permit and employer contract. Self-employed: attested business-address proof.
Salaried: latest 12-month salary certificate and 12-month salary-account statement; the last-month salary certificate is to be attested. Other than salaried: last 2 years' audited/-certified balance sheet, profit-and-loss accounts and computation sheets where applicable, plus 12-month account statement; listed financial papers require attestation.
PNB may request additional case-specific documents. The June 2026 Bulletin updates eligibility to but does not restate this 2019 checklist or specify -specific replacement 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₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine 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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TableParameter

Eligibility · Published term and ; -card holders issued before 09-01-2015 also eligible

This value is copied from PNB Home Loan Scheme for / — June 2026 terms. Check the table notes before relying on it.

Source: PNB Bulletin — June 2026 · p.5, PNB Home Loan Scheme for /; original visual review pending Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 15 rows · 2 columnsPNB Home Loan Scheme for NRIs/OCIs — June 2026 termsReconstructed from page 5 of the June 2026 NRI Bulletin text layer; original layout, visual table alignment and file hash remain unverified.View tableHide table

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PNB Home Loan Scheme for NRIs/OCIs — June 2026 terms
Parameter	Published term
Eligibility	and ; -card holders issued before 09-01-2015 also eligible
Purpose	Acquisition/construction/repairs/renovation/improvement of home; plot purchase; under-construction home from the listed housing boards, development authorities, co-operative societies or private builders; self-use or rent
Home-loan margin up to ₹30 lakh	20%
Home-loan margin above ₹30 lakh to ₹75 lakh	20%
Home-loan margin above ₹75 lakh	25%
Standalone land/plot purchase margin	25%
Quantum for home construction/purchase	Need-based by project cost and repayment capacity
Standalone plot finance	No more than 60% of eligible home-loan amount, subject to repayment capacity
Repairs/renovation/alterations	Maximum ₹50,00,000
Repayment tenure	Up to 30 years including moratorium
Repayment sources	Overseas remittance, /(B)/NRNR//NRSR account, rental income; close relative in India may pay directly into loan account
Rental property	All rent is to be applied even if it exceeds ; borrower covers a shortfall
Security	Equitable mortgage of the property; lien on other Indian assets if required
Interest rate /	No numerical rate or in the Bulletin; scheme-page cell is blank; separate rate link was inaccessible and is not marked absent
Documents	June 2026 Bulletin does not restate a checklist; older scheme webpage last updated 29-07-2019 supplies the listed documents

PNB Bulletin — June 2026 · p.5, PNB Home Loan Scheme for /; original visual review pending · accessed 7 Oct 2026Open official source ↗

Table 2 · 8 rows · 2 columnsPNB NRI Housing Scheme page — dated document checklistThis document list is taken from the official scheme page last updated 29-07-2019. The June 2026 bulletin updates applicant eligibility but does not restate documents or OCI-specific substitutes.View tableHide table

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PNB NRI Housing Scheme page — dated document checklist
Applicant / evidence type	Documents listed on the scheme page
Identity and India address	Any one photo (passport, driving licence, card or voter ); one India residence proof (electricity, water or telephone bill, passport, driving licence or Aadhaar)
Immigration / overseas address	Verified valid passport and visa; current overseas-address proof attested by PNB representative office, Indian Embassy/Consulate or sourcing-bank branch officials
applicant	card issued by Government of India, as stated on the 2019 page; the 2026 bulletin separately extends eligibility to pre-09-01-2015 -card holders
Employed overseas	Employer , valid work permit and employer contract, attested by one of the listed PNB/mission officials
Self-employed overseas	Business-address proof, attested by one of the listed PNB/mission officials
Salaried income	Latest 12-month salary certificate and salary-account statement for last 12 months; last-month salary certificate requires attestation
Other than salaried income	Last 2 years audited/-certified balance sheet, profit-and-loss accounts and computation sheets where applicable, plus 12-month account statement; listed financial papers require attestation
Additional papers	Any other document required for the case; page does not state which substitute documents applicants should use

Housing Finance Scheme for / — PNB · Documents section, page updated 29-07-2019 · accessed 7 Oct 2026Open official source ↗

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PNB Housing Finance Scheme for NRIs and OCIs

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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