PNB Home Loan Interest Rates 2025

PNB Home Loan Amount 

Up to 90% of property value

PNB Housing Loan Interest Rate

8.50% p.a. - 10.95% p.a. 

Loan Tenure

Up to 30 years

Processing Fees

0.25% of the loan amount

Foreclosure Charges

NIL

PNB Home Loan Interest Rates for Women 

Concession is given for women in many loan schemes 

Housing Finance Scheme For Public – PNB Max-Saver

This scheme allows you to deposit surplus funds in the overdraft account and withdraw the same up to the drawing power as per your needs. The minimum loan amount is Rs.10 lakh.

Housing Loan For Public

This scheme is available for all for the purpose of purchase/construction of house/flat, under-construction unit from housing board/development authorities/co-operative societies, etc., addition to house/flat, repair/renovation, and more.

Pradhan Mantri Awas Yojana – EWS & LIG

This scheme aims at providing housing for economically weaker and low-income groups. 

Pradhan Mantri Awas Yojana – MIG

To ensure housing for middle income groups I and II at attractive interest rates.

PNB Gen-Next Housing Finance Scheme For Public

The scheme provides home financing to Gen-Next salaried individuals, such as IT professionals, PSBs, PSUs, and government employees. Get 1.25 times the loan amount as calculated for a regular housing loan.

Loan Amount

CIBIL Score

Floating interest rates 

Fixed Interest Rates

Up to 10 years

Above 10 years

Above 30 Lakhs

800 +

8.90%

9.90%

10.40%

Irrespective of Loan Amount

PNB Pride

8.95%

9.95%

10.45%

750 + 

8.95%

9.95%

10.45%

700 - 749

9.40%

10.40%

10.90%

600 - 699

10.50%

11.50%

12.00%

Up to 30 Lakhs

PNB Pride

9.05%

10.05%

10.55%

750 +

9.05%

10.05%

10.55%

700 - 749

9.50%

10.50%

11.00%

600 - 699

10.60%

11.60%

12.10%

Criteria 

Salaried Applicants 

Self employed/business owners 

Age

21-70

21-70

Residency Status 

Permanent Indian Resident 

Permanent indian resident 

Work Experience

3 years minimum

3 years of business 

Salary

INR 15000/m

-

Loan Amount

From INR 8 Lakhs

From INR 8 Lakhs

Tenure

Upto 30 Years

Upto 20 years

LTV 

Upto 90% 

90%

Minimum Credit Score

611

611

Additional information

-

Application for income tax returns 

Salaried employee

Self-Employed

Filled up loan application form

Filled up loan application form

2 Passport Size Photo

2 Passport Size Photo

Identity Proof – Passport/ Driving Licence/ Voter ID/PAN

Identity Proof – Passport/ Driving License/Voter ID/PAN

Residential Address Proof – Leave and License/Registered Rent Agreement/Utility Bill (last 3 months), Passport

Residential Address Proof – Leave and License/Registered Rent Agreement/Utility Bill (last 3 months), Passport

Income Documents – 6 months’ payslip, 2 years’ Form 16, 6 months bank statement showing salary credit and any EMI debit

Business proof such as VAT/service tax registration, incorporation details in case of companies, business address proof, profit and loss account and balance sheets certified by CA, copy of partnership deed and proof of business existence and business profile

Processing Fees*

Documentation Charges*

0.35% of the loan amount

Minimum- Rs.2,500

Maximum- Rs.15,000

Rs.1,350

Take over of Loan Rs.2,500

Rs.1,350/-

Pradhan Mantri Awas Yojana (Economically Weaker Section/ Low Income Group)

Loan up to Rs.6 lakh

For additional loan amounts beyond the eligible loan amount as above as per the existing housing loan scheme to the public.

NIL

Pradhan Mantri Awas Yojana (Middle Income Group)

Loan up to Rs.9 lakh in MIG-I

Loan up to Rs.12 lakh in MIG - II - NIL

NIL

NIL

For additional loan amounts beyond the eligible loan amount as above- As per the existing housing loan scheme to the public.

PNB Max Saver

In case the customer has paid Upfront Fees & Documentation Charges at the time of availing Housing Loan: One time charges of Rs.2,500.

In case the customer has not paid Upfront Fees & Documentation Charges at the time of availing Housing Loan: Charges as per Housing Loans

PNB Pride

NIL

Banks 

Home Loan Interest Rates

State Bank of India 

8.50% p.a to 10.45% p.a

Axis Bank

8.75% p.a to 9.15% p.a

Bank of Baroda

From 8.4% p.a

Punjab National Bank

From 8.50% p.a

HDFC Bank Limited 

8.75% p.a to 9.40% p.a

ICICI Bank

from 9.25% p.a. 

Citi Bank

From 7.45% p.a

LIC Housing Finance

8.50% p.a. to 10.35% p.a.

Kotak Mahindra Bank

From 8.70% p.a.

Federal Bank

10.15% p.a. - 10.20% p.a.