PNB Home Loan Interest Rates – Eligibility Calculator Online

PNB Home Loan: Get Instant quotes on ✔ interest rates January 2016 ✔ documents ✔ Eligibility ✔ Low EMI of Rs.848 per lac. Punjab National Bank Offers Best rates for Home Loans in India under Regular and Flexible housing schemes 2015.

Why to Apply for Home Loans with PNB Bank

✔ 4.22% Market Share in Home Loan Segment, 7th Largest Lender.
✔ 6081 Branches, 9 crore + Customers
✔ Most profitable bank in Public Sector Banks.
✔ Best Bank in India’s Young Survey
✔ Borrowers get full waiver of upfront, processing fee and documentation charges of all housing loans sanctioned between June 1 and December 31’2015
✔ PNB Cuts its base rate by .40% on 1st october 2015 which helps borrowers to get home loan at 9.60% which is earlier at 10.00%. Now Borrowers can save upto Rs.30 on per lac emi per month.

Get instant Quotes on Home Loan Rates, EMI & Eligibility by Top 10 Banks

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Per Lac EMI on PNB Home Loan as Follows: 

Interest Rate Per Lakh EMI for 30 Years
9.60% (Floating rate Option) Rs. 848
10.10% (Fixed Rate Option) Rs. 884


Eligibility for PNB Home Loan:

✔ Individuals as well as Joint owners (age group of 18-65 years) having regular source of income. Income of spouse/children/parents can also be added.
✔ Under Flexible variant: Customers who are below the age of 50 years and existing Housing loan borrowers who have availed loan under our Housing Loan scheme for public. 

Interest Rates of PNB Home Loan : Updated as on 18 December 2015. NO-1 Housing Finance to Individuals including NRIs / Flexible Housing scheme @


Scheme Under Floating Rate Option Under Fixed Rate Option
Housing Loan 9.60% 10.10%

Example Which helps you to know How Much You can Save per Month After .40% Reduction in Interest Rates:

Loan Amount ₹ 20 lakh ₹ 25 lakh ₹ 30 lakh
Tenure 30 Years 30 Years 30 Years
Previous Interest Rate 10.00% 10.00% 10.00%
Current Interest Rate 9.60% 9.60% 9.60%
Previous EMI ₹ 17551.43 ₹ 21939.29 ₹ 26327.15
New EMI after 03.10.2015 ₹ 16963.2 ₹ 21204.00 ₹ 25444.8
Savings ₹ 588.23 ₹ 735.29 ₹ 882.35


PNB Home Loan EMI Calculator

This Calculator helps you to calculate your per month loan emi on the basis of loan amount, Interest Rates & Tenure period.

Calculate Loans EMI Online

Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
Monthly EMI
Total Amount with Interest
Total Interest Amount
Yearly Interest Amount


Why to Choose PNB Home Loans:

PNB reaches out to you with fast, friendly and most convenient home loans under Normal and Flexible variants (Details also available seperately) having highlighting features :
✔ Option to choose between Floating and Fixed INTEREST RATES.
✔ Longest Repayment period of 30 years
✔ Lowest EMI of Rs.848.16/-* per lac
✔ Flexible repayment option
✔ EMI is applicable to all existing and new customers
✔ Avail benefit of lower EMI by shifting account with PNB

How Much maximum Loan Amount for home loan you get from PNB:

✔ For construction/purchase of house/flat:- Need based.
✔ For carrying out repairs/ renovations/ additions/ alterations: – Maximum of Rs. 25 lacs.
✔ For furnishing of house – Maximum Rs. 5 Lacs
✔ For purchase of Land/ Plot – Maximum Rs. 50 Lacs

✔ For loans upto Rs. 300 lacs = 0.50% of the loan amount max. of Rs. 20,000/- + taxes
✔ For loans above Rs. 300 lacs = Rs. 50000/- + taxes
✔ Documentation charges of Rs. 1350/- + taxes

Margin: Construction/ purchase/ repairs/ renovations/ additions/ alterations –

✔ For Loans upto Rs.75 lac – 20%
✔ For Loans above Rs.75 lac – 25%
✔ Land/ Plot – 40%

PNB Official Website for More Info

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