PNB Home Loan – Interest Rates Dec 2018, EMI Eligibility Calculator

PNB Home Loan: Get Instant quotes on interest rates ✔ Documents ✔ Eligibility ✔ Low EMI of Rs.794 per lakh, Application form. Punjab National Bank Offers Best rates for housing Loans in India under Regular and Flexible housing schemes.

Home Loan applications received for rupees ₹ 419,027 crores till 13 December 2018

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PNB Home Loan Interest Rates 2018

Scheme Limit Up to Rs. 75 Lac Limit above Rs. 75 Lac
Floating Women* 8.65% 8.70%
Floating Others 8.70% 8.75%
Floating PNB PRIDE #(Housing) 8.65% 8.70%
Floating OD HL 9.85%
Fixed General 8.95%

Latest Update as on 01 December 2018

  • PNB Max Saver ! Women (available under floating ROI only) available at 8.80% to 8.85%.
  • PNB Max Saver! Others (available under floating ROI only) available at 8.85% to 8.90%.

PNB Pride Housing Loan For Government Employees @ interest rates of 8.35% or similar to MCLR Rates for 1 Year. Eligibility for permanent Employees of Central / State Governments/ Defence Personnel & Paramilitary Forces – Individuals or Joint owners. Processing Charges & Documentation charges are NIL under PRIDE Scheme.

Why to Apply for Home Loans with PNB Bank

✔ 4.22% Market Share in Home Loan Segment, 7th Largest Lender.
✔ 6600+ Branches, 9 crore + Customers
✔ Most profitable bank in Public Sector Banks.
✔ Best Bank in India’s Young Survey
✔ Floating and Fixed INTEREST RATES available
✔ Longest Repayment period of upto 30 years

PNB Home Loan MCLR Rates December 2018:

Tenure Rate of Interest (%)
Overnight 8.10
one month 8.10
Three Month 8.20
Six Month 8.40
One Year 8.45
Three Year 8.65

Eligibility for PNB Home Loan:

✔ All Individuals who have regular source of Income with proof. Income of spouse/children/parents can also be added.

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


  • 0.35% of the loan amount
  • Minimum- Rs. 2,500/
  • Maximum- Rs. 15,000/
  • Pradhan Mantri Awas Yojna (Economically Weaker Section/ Low Income Group) = Rs.3000

    Pradhan Mantri Awas Yojna (Middle Income Group)

  • Loan up to Rs. 9 lakh in MIG-I – NIL
  • Loan up to Rs. 12 lakh in MIG – II – NIL
  • Documentation Charges – Rs.1350/-

    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 Home Loan Application Form

    Borrowers can download all PNB Housing and Non Housing Loan Application forms for Individuals, Joint home loans at one click.

    Application Form For Housing Loan For Individual

    Most Important Terms & Conditions (MITC)
    Home Loan Agreement booklet
    Non – Home Loan Agreement Booklet
    Disbursement Kit

    About PNB

    Punjab National Bank is the country’s second largest government-owned bank that started operation in 1894. During the long history of over 122 years of the Bank, 7 banks have merged with PNB and it has become stronger and stronger with a network of 6941 Domestic branches and 9753 ATMs as on 30th September 2017. Retail Loans of the Bank stood at Rs.71173 crore growing at 15.91% in Sep’17 while MSME Advances of the Bank were at Rs. 79301 crore as on 30.09.2017. Under Priority Sector, Advances to Agriculture and allied sectors stood at Rs.67503 crore showing YoY increase of 9.2%

    Other available products of PNB in India:

    PNB Personal Loan

    PNB Car Loan

    PNB Official Website