Personal, home, vehicle & other loans

PNB Max-Saver Housing Loan

A housing-loan overdraft variant that lets borrowers deposit surplus cash and withdraw up to the monthly-reducing drawing power.

RateFloating housing-loan rate under PNB's current Max-Saver table; the current sheet shows 7.40% p.a. for loans above ₹30 lakh with CIBIL 800+ and LTV up to 80%. Other borrower/LTV bands vary.Maximum amountMinimum ₹10 lakh; maximum is need-based under PNB Housing Finance Scheme for Public.TenureAs per PNB Housing Finance Scheme for Public; the overdraft drawing power reduces monthly so the facility is liquidated by the housing-loan tenure end.

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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 typeHousing-loan overdraft with monthly reducing drawing power.View source

PNB describes the facility as an overdraft with monthly reducing Drawing Power.

Source: PNB Max-Saver Housing Finance Scheme
Page / section: Nature of facility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

The current rate sheet labels the Max-Saver housing-loan table and publishes +-0.70%, presently 7.40%, for the top band.

Source: PNB Retail Advances Interest Rates
Page / section: HOME LOAN (TL PNB MAX SAVER)
Accessed: 30 Aug 2026
Confidence: high

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BenchmarkRLLR + BSP, with the spread determined by CIBIL/LTV/loan-amount band.View source

The Max-Saver rate table expresses each floating rate as + plus or minus a spread.

Source: PNB Retail Advances Interest Rates
Page / section: HOME LOAN (TL PNB MAX SAVER)
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

APRNot published as a separate APR percentage or calculation.View source

The page and linked rate sheet publish bands, not a separate calculation.

Source: PNB Max-Saver complete rate review
Page / section: Rate of interest
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeNot separately published for Max-Saver; prospective borrowers follow PNB Housing Finance Scheme for Public eligibility and existing borrowers are assessed from the running housing-loan account.View source

PNB says prospective borrowers are eligible as per the existing housing loan scheme and provides no separate numeric income threshold.

Source: PNB Max-Saver Housing Finance Scheme
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum amountMinimum ₹10 lakh; maximum is need-based under PNB Housing Finance Scheme for Public.View source

PNB publishes a ₹10 lakh minimum and a need-based maximum under its public housing scheme.

Source: PNB Max-Saver Housing Finance Scheme
Page / section: Extent of loan
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureAs per PNB Housing Finance Scheme for Public; the overdraft drawing power reduces monthly so the facility is liquidated by the housing-loan tenure end.View source

The page delegates repayment to the public housing scheme and states monthly principal reduction to liquidate the overdraft at tenure end.

Source: PNB Max-Saver Housing Finance Scheme
Page / section: Repayment
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing feeAs per PNB's retail-advance charge schedule; for housing/overdraft conversion the published schedule lists documentation charges of ₹450 and the applicable housing processing fee, not a separate Max-Saver fee.View source

The schedule publishes ₹450 documentation charges for overdraft/term loans to existing housing-loan borrowers and refers housing processing to the applicable scheme.

Source: PNB Service Charges Related to Retail Advances
Page / section: Overdraft/Term Loan to Existing Housing Loan Borrowers
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureNot separately published for Max-Saver; follows the public housing-loan scheme and applicable floating-rate retail-loan rules.View source

The Max-Saver page delegates repayment and charges to the existing housing scheme and does not state a separate foreclosure amount.

Source: PNB Max-Saver complete charge review
Page / section: Repayment and charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Overdraft with monthly reducing drawing power
Minimum loan ₹10 lakh
Existing housing loan can be converted after complete disbursement and repayment starts
Interest recovered as levied; principal drawing power reduces with
Not available to Commercial Real Estate borrowers or standalone plot purchase

Eligibility

Prospective borrowers must meet PNB Housing Finance Scheme for Public rules. Existing borrowers must have complete disbursement, a regular account, no outstanding inspection irregularity and repayment already started.

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

Documents the bank lists

Housing-loan application and property documents under PNB's public housing scheme
Existing PNB housing-loan account details for conversion

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Loan repayment estimate

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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₹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.

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Parameter

Facility · Published termOverdraft with monthly reducing drawing power

This value is copied from PNB Max-Saver — published terms. Check the table notes before relying on it.

Source: PNB Max-Saver Housing Finance Scheme · Complete product page and linked schedules Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 7 rows · 2 columnsPNB Max-Saver — published termsTerms from PNB's official product page and current retail rate/charge schedules.View tableHide table

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PNB Max-Saver — published terms
Parameter	Published term
Facility	Overdraft with monthly reducing drawing power
Eligibility	Prospective public-housing borrowers; existing borrowers after complete disbursement, regular running account and repayment started
Minimum	₹10 lakh
Maximum	Need-based under Housing Finance Scheme for Public
Purpose	Housing purposes except standalone plot purchase; borrowers excluded
Rate	Current Max-Saver floating bands start at 7.40% p.a. for top / band
Charges	Applicable housing charges; ₹450 documentation charge for overdraft/term loan to existing housing borrowers

PNB Max-Saver Housing Finance Scheme · Complete product page and linked schedules · accessed 30 Aug 2026Open official source ↗

PNB Max-Saver Housing 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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