PNB Home Loan Interest Rates 2026
PNB offers one of the lowest home loan interest rates in India. The bank offers distinctive home loan products at affordable interest rates. PNB home loan interest rates range from just 8.25% p.a., depending on the loan amount to be applied for, tenure, loan-to-value (LTV), credit score of the borrower, and the type of loan and interest rate. You can choose between floating and fixed interest rate options.
PNB Home Loan Interest Rates
PNB home loan interest rates are linked to the Repo Linked Lending Rate (RLLR), which is currently 8.15% p.a. and an additional BSP of 0.20%. The rates may vary depending on loan type, amount, tenure, borrower’s CIBIL score and other factors.
The PNB home loan interest rates for various schemes are as under:
| Scheme | Margin & Loan Amount | CIBIL TU/ Equivalent | Floating Interest Rates (p.a.) | Fixed Interest Rates (p.a.) | |
| Tenure up to 10 years | Tenure above 10 years | ||||
| Housing Loan | For loans above Rs. 30 Lakhs & LTV Ratio <= 80% | 800 & above | RLLR + BSP - 0.85% = 7.50% | 8.50% | 9% |
| Irrespective of the loan amount & LTV Ratio <= 80% | PNB Pride | RLLR + BSP - 0.80% = 7.55% | 8.55% | 9.05% | |
| 750 & above | RLLR + BSP - 0.80% = 7.55% | 8.55% | 9.05% | ||
| 700 - 749 | RLLR + BSP - 0.35% = 8% | 9% | 9.50% | ||
| 600 - 699 | RLLR + BSP + 0.75% = 9.10% | 10.10% | 10.60% | ||
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | PNB Pride | RLLR + BSP - 0.70% = 7.65% | 8.65% | 9.15% | |
| 750 & above | RLLR + BSP - 0.70% = 7.65% | 8.65% | 9.15% | ||
| 700 - 749 | RLLR + BSP - 0.25% = 8.10% | 9.10% | 9.60% | ||
| 600 - 699 | RLLR + BSP + 0.85% = 9.20% | 10.20% | 10.70% | ||
| Home Loan (CRE Category) | For loans above Rs. 30 Lakhs & LTV Ratio <= 80% | 800 & above | RLLR + BSP - 0.35% = 8% | 9% | 9.50% |
| Irrespective of the loan amount & LTV Ratio <= 80% | PNB Pride | RLLR + BSP - 0.30% = 8.05% | 9.05% | 9.60% | |
| 750 & above | RLLR + BSP - 0.30% = 8.05% | 9.05% | 9.60% | ||
| 700 - 749 | RLLR + BSP + 0.15% = 8.50% | 9.50% | 10% | ||
| 600 - 699 | RLLR + BSP + 1.25% = 9.60% | 10.60% | 11.10% | ||
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | PNB Pride | RLLR + BSP - 0.20% = 8.15% | 9.15% | 9.65% | |
| 750 & above | RLLR + BSP - 0.20% = 8.15% | 9.15% | 9.65% | ||
| 700 - 749 | RLLR + BSP + 0.35% = 8.70% | 9.70% | 10.20% | ||
| 600 - 699 | RLLR + BSP + 1.35% = 9.70% | 10.70% | 11.20% | ||
| Home Loan (TL PNB Max Saver) | For loans above Rs. 30 Lakhs & LTV Ratio <= 80% | 800 & above | RLLR + BSP - 0.70% = 7.65% | 8.65% | 9.10% |
| Irrespective of the loan amount & LTV Ratio <= 80% | PNB Pride | RLLR + BSP - 0.65% = 7.70% | 8.70% | 9.20% | |
| 750 & above | RLLR + BSP - 0.65% = 7.70% | 8.70% | 9.20% | ||
| 700 - 749 | RLLR + BSP - 0.20% = 8.15% | 9.15% | 9.65% | ||
| 600 - 699 | RLLR + BSP + 0.90% = 9.25% | 10.25% | 10.75% | ||
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | PNB Pride | RLLR + BSP - 0.55% = 7.80% | 8.80% | 9.30% | |
| 750 & above | RLLR + BSP - 0.55% = 7.80% | 8.80% | 9.30% | ||
| 700 - 749 | RLLR + BSP - 0.10% = 8.25% | 9.25% | 9.75% | ||
| 600 - 699 | RLLR + BSP + 1% = 9.35% | 10.35% | 10.85% | ||
| Home Loan (OD PNB Max Saver) | For loans above Rs. 30 Lakhs & LTV Ratio <= 80% | 800 & above | RLLR + BSP - 0.70% = 7.65% | 8.65% | 9.15% |
| Irrespective of the loan amount & LTV Ratio <= 80% | PNB Pride | RLLR + BSP - 0.65% = 7.70% | 8.70% | 9.20% | |
| 750 & above | RLLR + BSP - 0.65% = 7.70% | 8.70% | 9.20% | ||
| 700 - 749 | RLLR + BSP - 0.20% = 8.15% | 9.15% | 9.65% | ||
| 600 - 699 | RLLR + BSP + 0.90% = 9.25% | 10.25% | 10.75% | ||
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | PNB Pride | RLLR + BSP - 0.55% = 7.80% | 8.80% | 9.30% | |
| 750 & above | RLLR + BSP - 0.55% = 7.80% | 8.80% | 9.30% | ||
| 700 - 749 | RLLR + BSP - 0.10% = 8.25% | 9.25% | 9.75% | ||
| 600 - 699 | RLLR + BSP + 1% = 9.35% | 10.35% | 10.85% | ||
Comparison of PNB Home Loan Interest Rates With Top Banks
Punjab National Bank offers home loans at competitive rates of interest. A comparison chart of home loan interest rates with other top banks is as follows:
| Name of Bank | Rate of Interest (p.a.) |
| PNB | 8.25% |
| ICICI Bank | 8.75% |
| HDFC Bank | 7.90% to 13.20% |
| SBI Bank | 7.50% - 8.45% |
| Yes Bank | 9.00% |
| Kotak Mahindra Bank | 7.70% |
| IDFC First Bank | 8.85% |
| Tata Capital | 7.75% |
| Aditya Birla | 8.25% |
| Bajaj Finserv | 7.45% - 18.00% |
Punjab National Bank Home Loan Fees and Charges
The following are the fees and charges applicable to the PNB home loan:
| Name of Scheme | Processing Fee | Documentation Charges | Security Inspection/ Verification Charges | ||||
| Housing Loan | 0.35% of the loan amount (minimum of Rs. 2,500 & maximum Rs. 15,000 | Rs. 1,350 | Rs. 250 + GST | ||||
| Takeover of Loan | Rs. 2,500 | Rs. 1,350 | NA | ||||
| PNB Max Saver | Up to Rs. 2,500 | Up to Rs. 2,500 | NA | ||||
| Digital Housing Loan | Nil | Nil | NA |
Additional Info: Also check DDA Housing Scheme 2026
PNB Home Loan Interest Rates for Government Employees
PNB offers home loans to government employees under the PNB PRIDE scheme. It covers the permanent employees of the Central and State Government, Para Military personnel, Pensioners of Central and State Government, and Employees of PSUs.
Below are the PNB home loan interest rates for government employees under the PNB Pride scheme:
| Home Loan Type | Margin & Loan Amount | Floating Interest Rates (p.a.) | Fixed Interest Rates (p.a.) | |
| Tenure up to 10 years | Tenure above 10 years | |||
| Housing Loan | Irrespective of the loan amount & LTV Ratio <= 80% | 7.55% | 8.55% | 9.05% |
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | 7.65% | 8.65% | 9.15% | |
| Home Loan (CRE Category) | Irrespective of the loan amount & LTV Ratio <= 80% | 8.05% | 9.05% | 9.60% |
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | 8.15% | 9.15% | 9.65% | |
| Home Loan (TL PNB Max Saver) | Irrespective of the loan amount & LTV Ratio <= 80% | 7.70% | 8.70% | 9.20% |
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | 7.80% | 8.80% | 9.30% | |
| Home Loan (OD PNB Max Saver) | Irrespective of the loan amount & LTV Ratio <= 80% | 7.70% | 8.70% | 9.20% |
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | 7.80% | 8.80% | 9.30% | |
PNB Home Loan Balance Transfer Interest Rates
PNB home loan balance transfer interest rates are same as PNB home loan interest rates:
| Scheme | Margin & Loan Amount | CIBIL TU/ Equivalent | Floating Interest Rates (p.a.) | Fixed Interest Rates (p.a.) | |
| Tenure up to 10 years | Tenure above 10 years | ||||
| Housing Loan | For loans above Rs. 30 Lakhs & LTV Ratio <= 80% | 800 & above | 7.50% | 8.50% | 9% |
| Irrespective of the loan amount & LTV Ratio <= 80% | PNB Pride | 7.55% | 8.55% | 9.05% | |
| 750 & above | 7.55% | 8.55% | 9.05% | ||
| 700 - 749 | 8% | 9% | 9.50% | ||
| 600 - 699 | 9.10% | 10.10% | 10.60% | ||
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | PNB Pride | 7.65% | 8.65% | 9.15% | |
| 750 & above | 7.65% | 8.65% | 9.15% | ||
| 700 - 749 | 8.10% | 9.10% | 9.60% | ||
| 600 - 699 | 9.20% | 10.20% | 10.70% | ||
| Home Loan (CRE Category) | For loans above Rs. 30 Lakhs & LTV Ratio <= 80% | 800 & above | 8% | 9% | 9.50% |
| Irrespective of the loan amount & LTV Ratio <= 80% | PNB Pride | 8.05% | 9.05% | 9.60% | |
| 750 & above | 8.05% | 9.05% | 9.60% | ||
| 700 - 749 | 8.50% | 9.50% | 10% | ||
| 600 - 699 | 9.60% | 10.60% | 11.10% | ||
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | PNB Pride | 8.15% | 9.15% | 9.65% | |
| 750 & above | 8.15% | 9.15% | 9.65% | ||
| 700 - 749 | 8.70% | 9.70% | 10.20% | ||
| 600 - 699 | 9.70% | 10.70% | 11.20% | ||
| Home Loan (TL PNB Max Saver) | For loans above Rs. 30 Lakhs & LTV Ratio <= 80% | 800 & above | 7.65% | 8.65% | 9.10% |
| Irrespective of the loan amount & LTV Ratio <= 80% | PNB Pride | 7.70% | 8.70% | 9.20% | |
| 750 & above | 7.70% | 8.70% | 9.20% | ||
| 700 - 749 | 8.15% | 9.15% | 9.65% | ||
| 600 - 699 | 9.25% | 10.25% | 10.75% | ||
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | PNB Pride | 7.80% | 8.80% | 9.30% | |
| 750 & above | 7.80% | 8.80% | 9.30% | ||
| 700 - 749 | 8.25% | 9.25% | 9.75% | ||
| 600 - 699 | 9.35% | 10.35% | 10.85% | ||
| Home Loan (OD PNB Max Saver) | For loans above Rs. 30 Lakhs & LTV Ratio <= 80% | 800 & above | 7.65% | 8.65% | 9.15% |
| Irrespective of the loan amount & LTV Ratio <= 80% | PNB Pride | 7.70% | 8.70% | 9.20% | |
| 750 & above | 7.70% | 8.70% | 9.20% | ||
| 700 - 749 | 8.15% | 9.15% | 9.65% | ||
| 600 - 699 | 9.25% | 10.25% | 10.75% | ||
| Loan amount up to Rs. 30 Lakhs & LTV Ratio above 80% but up to 85% | PNB Pride | 7.80% | 8.80% | 9.30% | |
| 750 & above | 7.80% | 8.80% | 9.30% | ||
| 700 - 749 | 8.25% | 9.25% | 9.75% | ||
| 600 - 699 | 9.35% | 10.35% | 10.85% | ||
Factors Affecting PNB Home Loan Interest Rates
The factors affecting PNB home loan interest rates are:
- Principal amount: The loan size determines the rate of interest. If the loan value is low, the rate of interest is on the lower side or vice versa.
- Applicant’s income: If the applicant’s monthly income is high and stable, they can negotiate with the bank to get a home loan approved at a lower rate of interest.
- Applicant’s credit history: Credit history and CIBIL score are of utmost importance for PNB when it decides its rate of interest. PNB offers lower interest if the applicant’s CIBIL score is high.
- Existing relationship with the bank: In case of an existing customer with a good relationship with the bank, PNB may approve a home loan at a lower rate of interest.
- Type of loan: The purpose for which the loan is availed is also taken into consideration when deciding the home loan interest rate. Depending on the loan type and purpose, the rate of interest will differ under each category.
- Location of property: If the property is mentioned in the list of approved properties of the bank or if it is being procured from a trusted builder, the bank may offer the best interest rate.
- Employment status: PNB offers preferential rates of interest on home loans to individuals employed with the Central and State government
Additional Info: Best Home Loan Interest Rates 7.85%
FAQs
The current PNB home loan interest rate in 2025 ranges from 8.25%., depending on the loan amount to be applied for, tenure, loan to value (LTV), credit score of the borrower, and the type of loan and interest rate.
The maximum repayment period of a PNB home loan is up to 30 years, depending on the loan amount and the borrower’s income and eligibility.
PNB offers both fixed and floating home loan interest rates. You can choose any interest rate regime.
The PNB home loan balance transfer interest rates are the same as PNB home loan interest rates, i.e. 7.50% to 11.20% p.a.
PNB home loan interest rates are mainly calculated based on the repo rate set by the RBI (Reserve Bank of India) plus a margin (BSP) set by the bank. The rates are also influenced by various factors like the borrower's credit score, loan amount, and loan type.
Yes, PNB home loan interest rates vary for salaried and self-employed applicants. The rates are usually lower for salaried applicants.
Yes, you can opt for the PNB home loan balance transfer facility to transfer your existing home loan to PNB at a lower interest rate.
No, currently, PNB does not offer any interest rate concession to women home loan borrowers.
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