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Personal, home, vehicle & other loans

PNB my Property Loan

A term-loan or overdraft facility against an eligible non-encumbered property, from ₹2 lakh to ₹5 crore, with income and property-value based assessment.

RateFloating term-loan rates currently run from 9.05% to 11.55% p.a. and overdraft rates from 9.55% to 12.05% p.a. when property security is up to 200% of loan amount; rates are CIBIL- and security-dependent.Maximum amount₹2 lakh minimum and ₹5 crore maximum; assessment is capped at 65% of realizable property value or 36× qualifying gross monthly income, whichever is lower.TenureTerm loan: 180 months or up to age 70, whichever is earlier. Overdraft: liquidated in 15 years or up to age 70, whichever is earlier.
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Quick eligibility check

PNB my Property 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: Salaried applicants: minimum net monthly salary ₹25,000?

Published source: Minimum income

2Does your annual income meet this requirement: Other than salaried: minimum net annual income ₹3 lakh?

Published source: Minimum income

3Does your annual income meet this requirement: Individual or joint owners may apply if they have an immovable property to mortgage and sufficient repayment income?

4Does your annual income meet this requirement: Salaried applicants need at least ₹25,000 net monthly salary?

5Does your annual income meet this requirement: other applicants need at least ₹3 lakh net annual income?

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 typeTerm loan or overdraft against mortgage of eligible immovable property.View source
The official page lists term loan and overdraft facilities.
Source
PNB my Property Loan — Loan Against Mortgage
Page / section
Nature Of Facility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RateFloating term-loan rates currently run from 9.05% to 11.55% p.a. and overdraft rates from 9.55% to 12.05% p.a. when property security is up to 200% of loan amount; rates are CIBIL- and security-dependent.View source
The current table publishes TL and floating bands for scores 681–800+ and property security up to 200%.
Source
Retail Advances — PNB current rate table
Page / section
Loan Against Immovable Property
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkRLLR + BSP with CIBIL- and security-dependent spread.View source
The official rate table expresses the mortgage rates as + plus a score/security spread.
Source
Retail Advances — PNB current rate table
Page / section
Loan Against Immovable Property
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR percentage or calculation for PNB my Property Loan.View source
The product page and rate table publish bands but no calculation.
Source
PNB my Property Loan — complete rate review
Page / section
Complete rate and charge review
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeSalaried applicants: minimum net monthly salary ₹25,000. Other than salaried: minimum net annual income ₹3 lakh.View source
The official income section publishes both salaried and non-salaried thresholds.
Source
PNB my Property Loan — Loan Against Mortgage
Page / section
Income Criteria
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹2 lakh minimum and ₹5 crore maximum; assessment is capped at 65% of realizable property value or 36× qualifying gross monthly income, whichever is lower.View source
The official page publishes ₹2 lakh/₹5 crore limits and the 65%/36× assessment tests.
Source
PNB my Property Loan — Loan Against Mortgage
Page / section
Quantum Of Finance and Assessment Of Loan
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureTerm loan: 180 months or up to age 70, whichever is earlier. Overdraft: liquidated in 15 years or up to age 70, whichever is earlier.View source
The official repayment section publishes the term-loan and overdraft limits.
Source
PNB my Property Loan — Loan Against Mortgage
Page / section
Repayment (Maximum)
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeTerm loan: 0.75% of loan amount, maximum ₹1 lakh; documentation ₹2,500 up to ₹50 lakh and ₹5,000 above ₹50 lakh.View source
The current mortgage charge table publishes the 0.75% fee, cap and documentation tiers.
Source
Services Charges Related to Retail Advances — PNB
Page / section
Mortgage against Immovable Property (PNB my Property Loan)
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNIL.View source
The official page states NIL prepayment charges.
Source
PNB my Property Loan — Loan Against Mortgage
Page / section
Prepayment Charge
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Minimum loan ₹2 lakh and maximum ₹5 crore
  • Assessment up to 65% of realizable property value or 36× qualifying income, whichever is lower
  • Term loan or reducing- overdraft
  • Nil prepayment charge

Eligibility

  • Individual or joint owners may apply if they have an immovable property to mortgage and sufficient repayment income. Salaried applicants need at least ₹25,000 net monthly salary; other applicants need at least ₹3 lakh net annual income.

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

Documents the bank lists

  • and address proof
  • Latest salary slips/Form 16 or three years' and financial statements
  • Property title, valuation, encumbrance and mortgage documents

Related official documents

PNB my Property Loan — Loan Against Mortgageofficial-product-page · current · accessed 30 Aug 2026
↗
Retail Advances — PNB current rate tableofficial-rate-table · current · accessed 30 Aug 2026
↗
Services Charges Related to Retail Advances — PNBofficial-service-charge-page · 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 Swaagat · Current rate10.60–12.60% floating; 11.60–13.60% fixed

This value is copied from PNB retail loans — batch 2 published terms. Check the table notes before relying on it.

Source: PNB retail loan product pages, rate table and charge schedule · Swaagat, my Property, Doctor's Delight, Power Ride and Digital Car Loan Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 5 rows · 5 columnsPNB retail loans — batch 2 published termsAmounts, rates, income rules, tenures and charges from PNB's official product pages and shared current disclosures.View tableHide table

Scroll sideways to view every column

PNB retail loans — batch 2 published terms
ProductCurrent rateAmount / incomeTenureCharges
PNB Swaagat10.60–12.60% floating; 11.60–13.60% fixed₹25,000–₹10 lakh; salary account with another bankUp to 72 months or age 60Product-specific fee not published
PNB my Property Loan9.05–11.55% TL; 9.55–12.05% ₹2 lakh–₹5 crore; ₹25,000 monthly salaried / ₹3 lakh annual other180 months/15 years or age 700.75%, max ₹1 lakh; docs ₹2,500/₹5,000; nil prepayment
PNB Doctor's DelightProduct-specific rate not published₹2–₹20 lakh or 24× income; ₹5 lakh annual minimumUp to 84 0.90% + ₹450 docs; nil prepayment
PNB Power Ride10.00% floating; 11.00% fixedUp to ₹60,000; ₹8,000 monthly minimumUp to 36 months0.50%, ₹500–₹1,000; nil prepayment
PNB Digital Car Loan7.60–9.70% floating; 8.60–10.70% fixed₹1 lakh–₹1 crore; ₹25,000 monthly minimumDigital page not published; standard new-car scheme up to 84 monthsNil processing/documentation
PNB retail loan product pages, rate table and charge schedule · Swaagat, my Property, Doctor's Delight, Power Ride and Digital Car Loan · accessed 30 Aug 2026Open official source ↗

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