Personal, home, vehicle & other loans

PNB Pride Housing Loan for Government Employees

A separately listed PNB housing-loan scheme for government employees, Defence and Para Military Forces personnel, and Central/State Government pensioners. The product page links its core housing terms to PNB Housing Loan for Public and gives a separate rate/fee treatment.

Interest rateDuring the 01-10-2026 to 31-12-2026 campaign, the displayed floating PNB Pride rate is 7.25% p.a. for LTV up to 80% (irrespective of loan amount) and 7.35% p.a. for the listed loan amount up to ₹30 lakh and LTV above 80% through 90%. Fixed rate is 8.25%/8.75% for the first row and 8.35%/8.85% for the latter row for tenure up to 10 years/above 10 years. PNB says Pride pricing is irrespective of CIC score; PSU employees are named in rate scope but not in the product page's eligibility list.Maximum financeAs per PNB Housing Finance Scheme for Public: need-based for construction, additions and purchase; plot and repairs/renovation/alterations up to ₹1,00,00,000; furnishing up to 25% of home loan or ₹1,00,00,000, whichever is lower, within LTV.Repayment tenureAs per PNB Housing Finance Scheme for Public: up to 30 years including moratorium for ordinary housing purposes, and up to 15 years including moratorium for repairs/renovation/alterations. The older generic Housing Loan FAQ states 30 years or age 70; the dedicated public scheme page does not restate an age cap.

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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.

Geographic limitsCentral/State Government employees, Defence personnel, Para Military Forces and Central/State Government pensioners. The rate-table footnote names PSU employees in the pricing scope, but the product-page eligibility list does not include them.View source

The manually reviewed product record states: “Central/State Government employees, Defence personnel, Para Military Forces and Central/State Government pensioners. The rate-table footnote names employees in the pricing scope, but the product-page eligibility list does not include them.”.

Source: PNB Pride Housing Loan for Government Employees — official product page
Page / section: Published product metadata
Accessed: 7 Oct 2026
Confidence: high

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Loan typePNB Pride Housing Loan for government-employee customers; core housing terms follow Housing Finance Scheme for Public.View source

PNB lists a separate Pride housing product and links its purpose, finance, margin, security, repayment and moratorium to the public scheme.

Source: Exclusive Housing Loans for Government Employees — PNB Pride
Page / section: Page title, Objective and linked public-scheme terms
Accessed: 7 Oct 2026
Confidence: high

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Loan purposeAs per PNB Housing Finance Scheme for Public: construction, purchase, plot purchase, additions, repairs, renovation, alterations or furnishing, subject to that scheme's purpose-specific conditions.View source

The Pride page states that purpose is as per Housing Finance Scheme for Public; the linked scheme lists the covered uses.

Source: PNB Pride Housing Loan and Housing Finance Scheme for Public
Page / section: PNB Pride Purpose section; link to public scheme; public page Purpose
Accessed: 7 Oct 2026
Confidence: high

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EligibilityCentral/State Government employees, Defence personnel, Para Military Forces and Central/State Government pensioners. The rate-table footnote names PSU employees in the pricing scope, but the product-page eligibility list does not include them.View source

The Pride page gives the borrower list; the rate page's footnote is separately recorded as rate scope and is not used to expand page eligibility.

Source: PNB Pride Housing Loan for Government Employees
Page / section: Eligibility section; cross-check rate-page footnote
Accessed: 7 Oct 2026
Confidence: high

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Maximum financeAs per PNB Housing Finance Scheme for Public: need-based for construction, additions and purchase; plot and repairs/renovation/alterations up to ₹1,00,00,000; furnishing up to 25% of home loan or ₹1,00,00,000, whichever is lower, within LTV.View source

PNB Pride expressly incorporates the public scheme's quantum; the purpose-specific public caps are applied by reference.

Source: PNB Pride Housing Loan and Housing Finance Scheme for Public
Page / section: PNB Pride Quantum of Finance; linked public scheme Quantum of Finance
Accessed: 7 Oct 2026
Confidence: high

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Borrower marginAs per Housing Finance Scheme for Public: up to ₹30 lakh 20% or 10% (higher card rate applies to the 10% route); above ₹30 lakh to ₹75 lakh 20%; above ₹75 lakh 25%; standalone plot 25%. The linked public page is dated 08-04-2026. The older generic PNB FAQ differs for up-to-₹30 lakh and is not substituted for the direct linked scheme.View source

The Pride page incorporates public-scheme margin. The later direct scheme page is used; its discrepancy with the older generic is documented on the shared public-loan record.

Source: PNB Pride Housing Loan and Housing Finance Scheme for Public
Page / section: PNB Pride Margin link; public scheme Margin and footnote
Accessed: 7 Oct 2026
Confidence: high

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SecurityAs per PNB Housing Finance Scheme for Public: equitable or registered mortgage of the property in question.View source

The Pride page incorporates the public scheme's property-mortgage security.

Source: PNB Pride Housing Loan and Housing Finance Scheme for Public
Page / section: PNB Pride Security link; public scheme Security section
Accessed: 7 Oct 2026
Confidence: high

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Repayment tenureAs per PNB Housing Finance Scheme for Public: up to 30 years including moratorium for ordinary housing purposes, and up to 15 years including moratorium for repairs/renovation/alterations. The older generic Housing Loan FAQ states 30 years or age 70; the dedicated public scheme page does not restate an age cap.View source

The Pride page incorporates public terms. The generic age condition is retained as a dated cross-check, not merged into the scheme's direct page.

Source: PNB Pride Housing Loan and Housing Finance Scheme for Public
Page / section: PNB Pride Repayment link; linked public scheme Repayment; older row 4
Accessed: 7 Oct 2026
Confidence: high

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Repayment holiday / moratoriumAs per PNB Housing Finance Scheme for Public: construction/additions until completion or 18 months from first disbursement, whichever is earlier; repairs/renovation/alterations until completion or 6 months; ready-built home/flat or land/plot until possession or 3 months from advance, whichever is earlier.View source

PNB Pride incorporates the linked public scheme's moratorium by purpose.

Source: PNB Pride Housing Loan and Housing Finance Scheme for Public
Page / section: PNB Pride Repayment Holiday link; linked public scheme lines 530–535
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

The table places a PNB Pride row in the displayed score/ bands; product page states the concession is irrespective of score, and the campaign is dated through 31-12-2026.

Source: PNB Retail Advances — housing rate table and PNB Pride terms
Page / section: Housing Loan/Home Loan rows marked PNB Pride; other terms and conditions footnote
Accessed: 7 Oct 2026
Confidence: high

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Rate benchmarkFloating PNB Pride rates are shown as RLLR+BSP plus a row-specific spread; fixed options are also listed for tenure up to 10 years and above 10 years.Effective 1 Oct 2026View source

PNB publishes the Pride row as + plus a spread and shows the campaign rate; the table also gives fixed-rate alternatives.

Source: PNB Retail Advances — housing rate schedule
Page / section: Housing Loan/Home Loan table and PNB Pride rows
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Processing and documentation chargesPNB Pride: Nil in the current charge schedule. The Pride page also states full waiver of upfront/processing fees and documentation charges. The separate general Home Loan campaign runs 01-10-2026 to 31-12-2026; all charge schedule amounts are exclusive of GST/taxes.Effective 1 Oct 2026View source

The fee schedule explicitly lists PNB Pride as Nil; the Pride scheme page expressly states full waiver.

Source: PNB Services Charges Related to Retail Advances
Page / section: Mortgage campaign rows; PNB Pride: Nil row; PNB Pride fee sections
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Prepayment chargeNo prepayment charge under the floating-rate retail-loan option, according to PNB's Housing Loan FAQ. The FAQ does not state the fixed-rate prepayment treatment.View source

The statement is limited to retail loans under floating rate; no fixed-rate conclusion is inferred.

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

Open official source ↗

Benefits and features

The page states concessional interest irrespective of score.
The page states full waiver of upfront/processing fees and documentation charges; PNB's current fee schedule lists PNB Pride as Nil.
Purpose, finance quantum, margin, security, repayment and moratorium follow PNB Housing Finance Scheme for Public.
For the displayed October 2026 pricing, the floating Pride rows are 7.25% p.a. at up to 80% and 7.35% p.a. in the listed up-to-₹30 lakh, above-80%-to-90%- band; fixed rates depend on tenure and row.

Eligibility

The Pride product page lists Central/State Government employees, Defence personnel, Para Military Forces and Central/State Government pensioners.
The rate-page footnote also names employees within its Pride pricing scope. That pricing footnote is not added to the separate product page's eligibility list.

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

Documents the bank lists

PNB checklist for the linked public housing scheme: application with photograph, identity/address/age/education proof and income evidence appropriate to salaried, agricultural or other self-employed applicants.
The Pride page does not publish a separate document list. Its page links finance terms to the public scheme; confirm government-service or pension proof and case-specific property papers with PNB before applying.

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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₹19,759nineteen thousand seven hundred fifty-nine rupees

Interest paid over the full loan₹22,42,256twenty-two lakh forty-two thousand two hundred fifty-six rupees

Everything you repay₹47,42,256forty-seven lakh forty-two thousand two hundred fifty-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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TablePurpose

Construction, additions and purchase of house/flat · Finance amount / limitNeed-based by project cost and repayment capacity

This value is copied from PNB Housing Loan for Public — purpose and finance limits. Check the table notes before relying on it.

Source: Affordable Housing Loan for Public — PNB · Purpose and Quantum of Finance, page lines 493–509 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 6 rows · 2 columnsPNB Housing Loan for Public — purpose and finance limitsPurpose and amount terms on the dedicated public-scheme page; Pride links to these terms.View tableHide table