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PNB Gen-Next Housing Loan

A housing loan for salaried Gen-Next borrowers aged up to 40, with a ₹35,000 minimum net monthly salary, 30-year repayment and need-based finance.

RateThe current PNB housing table applies RLLR+BSP housing rates by CIBIL score, LTV and tenure; the Gen-Next page links to that table without a separate Gen-Next rate row. Reviewed floating housing rates are about 7.25%–10.15% p.a. across published slabs.Maximum amountMinimum ₹20 lakh; maximum amount is need-based, subject to prescribed LTV and repayment capacity. The scheme calculates up to 1.25 times the regular housing-loan eligibility amount.TenureFlat 30 years; moratorium up to 36 months generally or up to 60 months for an approved under-construction builder flat, with interest serviced during the moratorium.
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Quick eligibility check

PNB Gen-Next Housing Loan

0 of 5 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: Minimum net monthly salary ₹35,000?

Published source: Minimum income

2Does your annual income meet this requirement: net salary is gross salary less statutory deductions such as income tax and provident fund?

Published source: Minimum income

3Are you this type of customer: All salaried employees need at least three years' experience and salaried co-borrowers?

4Does your annual income meet this requirement: One income-counted borrower must be no older than 40?

5Does your annual income meet this requirement: other income-counted borrowers may be up to 45?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ 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 typeHousing loan for purchase or construction of a residential house or flat, including an approved under-construction builder flat.View source
The official page lists ready-to-move, construction and approved private-builder purposes.
Source
PNB Gen-Next Housing Finance Scheme
Page / section
Purpose
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RateThe current PNB housing table applies RLLR+BSP housing rates by CIBIL score, LTV and tenure; the Gen-Next page links to that table without a separate Gen-Next rate row. Reviewed floating housing rates are about 7.25%–10.15% p.a. across published slabs.View source
The current housing table publishes rates by /; the Gen-Next page does not identify a separate rate.
Source
Retail Advances — PNB interest-rate table
Page / section
Housing loan slabs
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkRLLR + BSP, with the housing table's CIBIL and LTV spread.View source
PNB expresses housing rates as + plus or minus a published spread.
Source
Retail Advances — PNB interest-rate table
Page / section
Housing loan slabs
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR percentage or calculation for PNB Gen-Next Housing Loan.View source
The page and linked housing table publish but no calculation.
Source
PNB Gen-Next Housing — complete rate review
Page / section
Interest Rate & Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum net monthly salary ₹35,000; net salary is gross salary less statutory deductions such as income tax and provident fund.View source
The official page states ₹35,000 minimum net monthly salary and defines net salary.
Source
PNB Gen-Next Housing Finance Scheme
Page / section
Eligibility - Minimum Net Monthly Salary
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountMinimum ₹20 lakh; maximum amount is need-based, subject to prescribed LTV and repayment capacity. The scheme calculates up to 1.25 times the regular housing-loan eligibility amount.View source
The official quantum section publishes the ₹20 lakh minimum and need-based ceiling.
Source
PNB Gen-Next Housing Finance Scheme
Page / section
Quantum of Finance
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureFlat 30 years; moratorium up to 36 months generally or up to 60 months for an approved under-construction builder flat, with interest serviced during the moratorium.View source
The official page publishes a 30-year period and two moratorium ceilings.
Source
PNB Gen-Next Housing Finance Scheme
Page / section
Repayment Period and Moratorium
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeThe Gen-Next page links to PNB housing charges; the current schedule lists PNB Pride as nil but does not identify a separate Gen-Next line item.View source
The current schedule does not label a Gen-Next-specific processing charge.
Source
Services Charges Related to Retail Advances — PNB
Page / section
Housing Loan charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published as a Gen-Next-specific amount on the reviewed scheme page or current housing charge schedule.View source
The scheme page and current charge schedule do not state a variant-specific prepayment amount.
Source
PNB Gen-Next Housing — complete charge review
Page / section
Interest Rate & Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Minimum net monthly salary ₹35,000
  • Minimum loan ₹20 lakh; maximum is need-based subject to and repayment capacity
  • 1.25 times the regular housing-loan eligibility calculation, subject to prescribed
  • Flat 30-year repayment period
  • Up to 60-month moratorium for approved under-construction flats
  • Mandatory term insurance at least equal to the loan amount

Eligibility

  • All salaried employees need at least three years' experience and salaried co-borrowers. One income-counted borrower must be no older than 40; other income-counted borrowers may be up to 45.

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

Documents the bank lists

  • and salary proof
  • Employment and three-year experience evidence
  • Property title, valuation and approved-plan documents
  • Term-insurance assignment or policy documents

Related official documents

PNB Gen-Next Housing Finance Schemeofficial-product-page · current · accessed 30 Aug 2026
↗
Services Charges Related to Retail Advances — PNBofficial-service-charge-page · current · accessed 30 Aug 2026
↗
Retail Advances — PNB interest-rate tableofficial-rate-table · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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.

PNB Gen-Next Housing · RateHousing table 7.25–10.15% floating bands; no separate Gen-Next row

This value is copied from PNB Gen-Next and Combo loans — published terms. Check the table notes before relying on it.

Source: PNB Gen-Next Housing and Combo Car official scheme pages, rate table and charge schedule · Special housing and vehicle 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 · 2 rows · 5 columnsPNB Gen-Next and Combo loans — published termsIncome, amount, tenure, security and charges from PNB's official scheme pages and shared disclosures.View tableHide table

Scroll sideways to view every column

PNB Gen-Next and Combo loans — published terms
ProductRateAmount / eligibilityTenureCharges
PNB Gen-Next HousingHousing table 7.25–10.15% floating bands; no separate Gen-Next row₹20 lakh minimum; need-based maximum; ₹35,000 net monthly minimum; salaried 3+ years; age 40/45 rules30 years; 36/60-month moratorium bandsGen-Next-specific fee and prepayment not separately published
PNB Combo CarNew-car table 7.60–9.70% floating / 8.60–10.70% fixed bands; no separate Combo row90% on-road finance; ₹50,000 monthly salaried or ₹6 lakh annual self-employed minimum; housing-loan sanction ₹15 lakh+Up to 84 months or housing-loan balanceNil processing; prepayment not separately published
PNB Gen-Next Housing and Combo Car official scheme pages, rate table and charge schedule · Special housing and vehicle loans · accessed 30 Aug 2026Open official source ↗

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