Personal, home, vehicle & other loans

PNB Digi Home Loan

A paperless digital home loan for eligible housing purposes, with finance up to ₹10 crore and a two-year requirement.

RateNo Digi Home Loan-specific rate row is displayed on the product page; the current PNB housing table publishes floating housing rates by CIBIL, LTV and route (presently about 7.40% to 9.30% p.a. in the reviewed slabs).Maximum amountMaximum loan amount up to ₹10 crore.TenureNot published on the reviewed Digi Home Loan page; no digital-route maximum was inferred from the ordinary housing scheme.

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✓ Manually checked 30 Aug 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 typeDigital home loan for eligible housing purposes; the page excludes take-over of a home loan from another bank.View source

The official page states the digital home-loan purpose and take-over exclusion.

Source: PNB Digital Housing Loan
Page / section: Purpose
Accessed: 30 Aug 2026
Confidence: high

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The current table publishes housing rates by / but does not label a separate Digi Home Loan row.

Source: Retail Advances — PNB rate table
Page / section: Housing loan / PNB Max Saver slabs
Accessed: 30 Aug 2026
Confidence: high

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BenchmarkHousing rates are expressed as RLLR + BSP with CIBIL/LTV spread in the current PNB table.View source

The published housing slabs use + plus a spread.

Source: Retail Advances — PNB rate table
Page / section: Housing loan slabs
Accessed: 30 Aug 2026
Confidence: high

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APRNot published as a separate APR percentage or calculation for PNB Digi Home Loan.View source

The product page and current housing table publish slabs but no calculation.

Source: PNB Digital Housing Loan — complete rate review
Page / section: Complete rate review
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeNo numeric minimum income is published; the page requires an assured regular income and mandatory two-year ITR filing.View source

The complete eligibility section lists income categories and filing, without a rupee floor.

Source: PNB Digital Housing Loan
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum amountMaximum loan amount up to ₹10 crore.View source

The official loan-amount section states ₹10 crore maximum.

Source: PNB Digital Housing Loan
Page / section: Loan amount
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureNot published on the reviewed Digi Home Loan page; no digital-route maximum was inferred from the ordinary housing scheme.View source

The digital page does not state a repayment tenure.

Source: PNB Digital Housing Loan — tenure review
Page / section: Complete product review
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing feeNIL processing and documentation charges on the reviewed digital product page.View source

The official digital page states nil processing and documentation charges.

Source: PNB Digital Housing Loan
Page / section: Processing fee and documentation Charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureNot published as a Digi Home Loan-specific amount on the reviewed product page or current charge table.View source

No digital-route prepayment value is stated in the reviewed sources.

Source: PNB Digital Housing Loan — complete charge review
Page / section: Complete charge review
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Digital assisted or end-to-end journey
Maximum loan amount ₹10 crore
No take-over of an existing other-bank home loan under this digital route
Nil processing and documentation charges on the reviewed page

Eligibility

Individuals or co-borrowers with assured regular income; two-year filing is mandatory.

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

Documents the bank lists

and Aadhaar
Mobile/email and video- capability for new-to-bank customers
credentials and property details

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.

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.

Use the published table

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PNB Digi Home Loan · RateHousing table about 7.40–9.30% by /; no separate digital row

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

Source: PNB digital housing, education, Kaushal and gold-loan pages · Digital and specialist retail 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 digital and specialist loans — published termsCurrent amounts, rates, eligibility, repayment and charges from PNB official pages and shared disclosures.View tableHide table

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PNB digital and specialist loans — published terms
Product	Rate	Amount / eligibility	Tenure	Charges
PNB Digi Home Loan	Housing table about 7.40–9.30% by /; no separate digital row	Up to ₹10 crore; regular income and two-year	Digital page does not publish a separate tenure	Nil processing/documentation
PNB Digital Education Loan	Starting 6.85%; institute-dependent	Need-based; eligible QHEIs; collateral-free route	15 years; course + 1 year moratorium	Nil processing/documentation
PNB Kaushal	9.60%; 9.10% female student	₹5,000–₹7.50 lakh; Indian national and eligible Skill India course	3/5/7 years by amount; 6/12-month moratorium	Nil processing/documentation; nil prepayment
PNB Digital Gold Loan	+0.85/0.90 retail; +0.50/0.75 agriculture	₹25,000–₹25 lakh retail; ₹10,000–₹25 lakh agriculture	12-month bullet; 36-month ; agri 12 months	0.30% or ₹500+ retail; agriculture tiers

PNB digital housing, education, Kaushal and gold-loan pages · Digital and specialist retail loans · accessed 30 Aug 2026Open official source ↗

PNB Digi Home Loan

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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