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PNB Housing Loan for Public

Housing finance for construction, purchase, additions, repairs, renovation, furnishing and residential plots, with need-based sanction and up to 30-year repayment.

RateFloating home-loan rates in the reviewed PNB table range from 7.50% to 9.10% p.a. for the listed CIBIL/LTV bands; fixed rates range from 8.50% to 10.70% p.a. (standard public housing route).Maximum financeNeed-based for construction, additions and purchase; residential land/plot up to ₹1 crore, repairs/renovation up to ₹1 crore, and furnishing up to 25% of home loan or ₹1 crore, whichever is lower, within LTV limits.Maximum amountLand/plot and repair or renovation finance up to ₹1 crore
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Quick eligibility check

PNB Housing Loan for Public

0 of 3 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.

1Do you have a regular source of income?

Published source: Minimum income

2Does your annual income meet this requirement: co-borrower income may be clubbed?

Published source: Minimum income

3Are you this type of customer: salaried, professional, self-employed, business and farmer applicants are listed?

0 of 3 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.

Maximum financeNeed-based for construction, additions and purchase; residential land/plot up to ₹1 crore, repairs/renovation up to ₹1 crore, and furnishing up to 25% of home loan or ₹1 crore, whichever is lower, within LTV limits.View source
The complete quantum section publishes need-based finance and ₹1 crore plot/repair limits.
Source
Affordable Housing Loan for Public — PNB
Page / section
Quantum Of Finance
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Margin20% for housing loans above ₹30 lakh up to ₹75 lakh and 25% above ₹75 lakh; up to ₹30 lakh is 20%/10% depending on the stated route; plot purchase margin is 25%.View source
The official margin table lists the loan bands and plot margin.
Source
Affordable Housing Loan for Public — PNB
Page / section
Margin
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 30 years including moratorium for ordinary housing purposes; repairs/renovation maximum 15 years.View source
The official repayment section publishes 30 years and the 15-year repair limit.
Source
Affordable Housing Loan for Public — PNB
Page / section
Repayment
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo numeric minimum income is published. Eligibility requires an assured regular income and repayment-capacity assessment; co-borrower income may be clubbed.View source
The complete eligibility section lists income sources but no minimum rupee threshold.
Source
Affordable Housing Loan for Public — PNB
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Loan typeHome loanView source
The official product name identifies this as “PNB Housing Loan for Public”.
Source
PNB Housing Loan for Public — official product page
Page / section
Official product name and loan classification
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RateFloating home-loan rates in the reviewed PNB table range from 7.50% to 9.10% p.a. for the listed CIBIL/LTV bands; fixed rates range from 8.50% to 10.70% p.a. (standard public housing route).View source
PNB's published table gives present floating and fixed rates by score and ratio.
Source
Interest Rates on Advances — PNB
Page / section
Housing Loan/Home Loan
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkRLLR + BSP (Repo Linked Lending Rate plus Business Strategic Premium); PNB's page states the present RLLR+BSP base used in the table.View source
The official page identifies + as the benchmark and shows the spread by score/.
Source
Interest Rates on Advances — PNB
Page / section
+ and housing loan table
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing fee0.35% of loan amount, minimum ₹2,500 and maximum ₹15,000; documentation charge ₹1,350. The reviewed schedule labels these as housing-loan charges and notes a time-bound waiver campaign separately.View source
The current schedule publishes the housing-loan percentage, minimum, maximum and documentation charge.
Source
Services Charges Related to Retail Advances — PNB
Page / section
Mortgage — Housing Loan
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR percentage or calculation on the reviewed housing-loan page, rate table or service-charge schedule.View source
The sources publish interest rates, fees and repayment terms but no figure.
Source
Affordable Housing Loan for Public — PNB
Page / section
Complete rate, fee and eligibility review
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published for this housing-loan variant on the reviewed official product page or retail fee schedule.View source
The page links to current charges but does not state a product-specific prepayment amount; no value is inferred.
Source
Affordable Housing Loan for Public — PNB
Page / section
Complete charge review
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountLand/plot and repair or renovation finance up to ₹1 croreView source
The manually reviewed product summary states: “Land/plot and repair or renovation finance up to ₹1 crore”.
Source
PNB Housing Loan for Public — official product page
Page / section
Published loan terms in product summary
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Need-based finance tied to project cost and repayment capacity
  • Land/plot and repair or renovation finance up to ₹1 crore
  • Repayment up to 30 years including moratorium
  • Income of eligible co-borrowers can be clubbed

Eligibility

  • Individuals or co-borrowers with an assured regular income; salaried, professional, self-employed, business and farmer applicants are listed.

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

Documents the bank lists

  • Identity and address proof
  • Income proof and bank statements
  • Property title, valuation and approved-plan documents

Related official documents

Affordable Housing Loan for Public — PNBofficial-product-page · current · accessed 30 Aug 2026
↗
Interest Rate on Retail Advances — PNBofficial-page-and-pdf · current · accessed 30 Aug 2026
↗
Services Charges Related to Retail Advances — PNBofficial-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.

PNB Housing Loan for Public · Published amountNeed-based; plot/repair up to ₹1 crore

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

Source: PNB retail loan product pages · Housing, personal, pre-approved personal and gold 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 retail loans — published termsKey amounts, tenure and charges from PNB official product pages.View tableHide table

Scroll sideways to view every column

PNB retail loans — published terms
ProductPublished amountRepaymentKey eligibility / securityCharges
PNB Housing Loan for PublicNeed-based; plot/repair up to ₹1 croreUp to 30 yearsAssured regular income; mortgage of propertyAs per current schedule
PNB Personal Loan for PublicUp to ₹20 lakh / 24× gross monthly salaryUp to 72 PNB salary route; third-party guaranteeNil prepayment
PNB Pre-Approved Personal Loan₹25,000 to ₹20 lakh by routeUp to 72 monthsPre-approved PNB relationship/customer route0.50%; minimum ₹500 +
PNB Gold Loan₹25,000–₹25 lakh retail; ₹10,000–₹25 lakh agriculture12–36 months by facilityPledge of eligible gold0.30% or ₹500 + retail; agri tiers
PNB retail loan product pages · Housing, personal, pre-approved personal and gold loans · accessed 30 Aug 2026Open official source ↗

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