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PNB Digi Credit Risk Guarantee Home Loan

A PNB home-loan scheme for low-income urban borrowers, including people with regular digital income footprints but limited documented income.

RateNot published on the reviewed CRG scheme page; rate is determined under PNB's applicable housing-loan rate table and may be higher for the 15% margin option.Maximum amountHome loan ₹35 lakh in metro centres (project cost up to ₹45 lakh) or ₹25 lakh elsewhere (project cost up to ₹30 lakh); repair/renovation ₹10 lakh in metros or ₹6 lakh elsewhere.TenureMaximum 25 years (300 months), with full repayment before the youngest earning borrower reaches age 70.
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Quick eligibility check

PNB Digi Credit Risk Guarantee Home Loan

0 of 6 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: Annual income up to ₹9 lakh?

Published source: Minimum income

2Does your annual income meet this requirement: the scheme specifically supports borrowers with minimal or no documented income who have digital banking/economic footprints?

Published source: Minimum income

3Are you aged 21 to 60?

4Do you meet this requirement: applicant may have no home or one home?

5Do you meet this requirement: house carpet area up to 60 sq m?

6Do you meet this requirement: Standalone plot purchase is not allowed?

0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byPunjab National Bank

Urban and metro centres in 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 typeHome loan for purchase/construction of a house or flat, additions, repairs, renovation or alteration; no standalone plot loan.View source
PNB lists purchase/construction and improvement purposes and excludes standalone plot purchase.
Source
PNB Credit Risk Guarantee Home Loan Scheme
Page / section
Purpose
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RateNot published on the reviewed CRG scheme page; rate is determined under PNB's applicable housing-loan rate table and may be higher for the 15% margin option.View source
The scheme page publishes limits, margin and guarantee terms but no numeric .
Source
PNB CRG rate review
Page / section
Complete scheme page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkNot published on the CRG scheme page; applicable PNB housing-loan pricing must be confirmed at sanction.View source
No benchmark or spread is stated on the reviewed CRG page.
Source
PNB CRG benchmark review
Page / section
Complete scheme page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR percentage or calculation.View source
The official scheme page does not provide an calculation.
Source
PNB CRG review
Page / section
Complete scheme page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeAnnual income up to ₹9 lakh; the scheme specifically supports borrowers with minimal or no documented income who have digital banking/economic footprints.View source
PNB publishes annual income up to ₹9.00 lakh and the digital-footprint condition.
Source
PNB Credit Risk Guarantee Home Loan Scheme
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountHome loan ₹35 lakh in metro centres (project cost up to ₹45 lakh) or ₹25 lakh elsewhere (project cost up to ₹30 lakh); repair/renovation ₹10 lakh in metros or ₹6 lakh elsewhere.View source
The official page publishes separate metro/other-centre home and repair limits and project-cost caps.
Source
PNB Credit Risk Guarantee Home Loan Scheme
Page / section
Maximum Loan Amount
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 25 years (300 months), with full repayment before the youngest earning borrower reaches age 70.View source
PNB publishes a 25-year/300-month maximum and age-70 repayment condition.
Source
PNB Credit Risk Guarantee Home Loan Scheme
Page / section
Repayment Period
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNot published on the CRG scheme page; applicable PNB housing-loan charges must be confirmed before sanction.View source
The reviewed CRG page does not publish a processing-fee amount.
Source
PNB CRG charge review
Page / section
Complete scheme page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published on the CRG scheme page.View source
The official scheme page does not state a prepayment charge.
Source
PNB CRG prepayment review
Page / section
Complete scheme page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Home-loan limit up to ₹35 lakh in metro centres or ₹25 lakh elsewhere
  • Repair/renovation limit ₹10 lakh in metros or ₹6 lakh elsewhere
  • Maximum tenure 25 years (300 months), subject to age 70 repayment rule
  • Credit guarantee covers 70% of default for eligible home loans up to ₹20 lakh
  • Up to 12-month self-construction moratorium; ready-to-move purchase has no moratorium

Eligibility

  • Annual income up to ₹9 lakh; age 21–60; applicant may have no home or one home; house carpet area up to 60 sq m. Standalone plot purchase is not allowed.

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

Documents the bank lists

  • Identity, address and property documents
  • Income or digital banking-activity evidence and self-declaration of home ownership
  • Construction/repair estimates where applicable

Related official documents

PNB Credit Risk Guarantee Home Loan Schemeofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Income · Published termAnnual income up to ₹9 lakh; digital banking/economic footprints accepted

This value is copied from PNB Digi CRG Home Loan — published terms. Check the table notes before relying on it.

Source: PNB Credit Risk Guarantee Home Loan Scheme · Complete scheme page Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsPNB Digi CRG Home Loan — published termsLow-income urban housing limits, guarantee and repayment terms.View tableHide table

Scroll sideways to view every column

PNB Digi CRG Home Loan — published terms
ParameterPublished term
IncomeAnnual income up to ₹9 lakh; digital banking/economic footprints accepted
Age21–60 years
Home-loan limitMetro ₹35 lakh (project cost ₹45 lakh); other centres ₹25 lakh (project cost ₹30 lakh)
Repair/renovationMetro ₹10 lakh; other centres ₹6 lakh
MarginHome loan up to ₹30 lakh: 20%/15% option; above ₹30 lakh to ₹35 lakh: 20%
TenureMaximum 25 years/300 months; repay before youngest earning borrower turns 70
Guarantee70% of default for eligible home loans up to ₹20 lakh
MoratoriumSelf-construction up to 12 months; builder flats construction-linked up to 36 months; ready-to-move none
PNB Credit Risk Guarantee Home Loan Scheme · Complete scheme page · accessed 30 Aug 2026Open official source ↗

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