PNB Housing Finance | Interest Rates 2019 | EMI Eligibility Calculator

PNB Housing finance (PNBHFL) – Instant apply for PNB Housing Loans at Lowest Interest Rates of 9.05% June 2019 ✓ EMI. Compare ✓ Online Eligibility ✓ Documents ✓ EMI per lakh for house loan at Deal4loans.

Latest Update: PNB housing updated its interest rates 9.05% – 9.20% charged from Salaried / Self Employed Professional and 9.15% – 9.30% from Self Employed Business/ Non Professional.

Home Loan applications received for rupees ₹ 419,027 crores till 27 June 2019

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PNB HFL Information

Interest Rates9.05% – 9.30%
Approval Time48 Hours
Pre payment ChargesNil
Loan Amount75% to 90% of market value
Min. IncomeRs.12000/- p.m
Loan Repayment30 years
Processing FeesN.A

PNB Housing Finance Overview

PNBHFL a subsidiary of the 2nd largest bank in India, Punjab National Bank, takes pride in being one of the largest public sector housing finance companies in India. Over last 24 years of its existence, PNBHFL has become a name to be reckoned with, amongst the seasoned housing loan companies in home finance industry.

PNB Housing Ghar Utsav Scheme

Under the Ghar Utsav scheme, the floating rate of interest on the loan will be a special rate as defined in the interest rate grid above for the first 12 months, from the month of first disbursement and thereafter will move to the then prevailing PNB HFR +/- margin. The offer is a limited period offer for new customer only.

Eligibility Criteria required for Avail PNB Housing Finance:

  • You should either be a salaried employee or a self-employed professional/ non-professional.
  • Your age should not be more than 60 years if you are a salaried employee and not more than 65 years if you are a self-employed professional/ non-professional, at the time of loan maturity.

PNBHFL provides housing loans to individuals and corporate bodies for purchase, construction, repair and up-gradation of houses. It also provides loans for commercial space, loan against property and loan of purchase of residential plots.

PNB Housing Finance Interest Rates 2019


PNBHFL offers floating rate of interest, linked to its benchmark rate PNBHFR:

Floating Scheme

Salaried/ Self-employed professionals

Loan AmountUpto 35 Lakhs
35 lakh to 75 lakhAbove 75 LakhUpto 35 Lakhs35 lakh to 75 lakhAbove 75 Lakh
Floating Interest Rate9.05%9.10%9.20%9.15%9.20%9.30%

“UNNATI” Home Loans = 10.75% for Salaried/ Self-employed professionals / 12.00% for Self Employed.

PLEASE NOTE: Rates for Residential Plot purchase loan ( not classified as plot + construction ) will be 1% higher than the normal home loan rates
Loan to Value Ratio (LTV)
Loan amount of upto 30 Lakh – 90% of market value (Maximum funding)
30 Lakh to 75 Lakh – 80% of market value (Maximum funding)
Above 75 Lakhs – 75% of market value (Maximum funding)

*Rates of interest are subject to change at the sole discretion of PNBHFL.


Advantages of taking Home Loan from PNBHFL

✓ PNB Housing finance offers upto 90% funding on property cost.
✓ Door step services ensure fast loan approvals.
✓ You can fetch more loan amount if cost of project is increased.
✓ You can check for Home loan TAX Benefits.
✓ High Standards of Ethics, integrity and transparency.
✓ Customized eligibility programs to work out your loan amount.
Interest Rates on Lease Rental Discounting

Documents Required for PNB Housing Finance:

  1. Duly filled Application Form with Photograph
  2. Age Proof
  3. Residence Address Proof
  4. Education qualifications
  5. Latest Salary Slips 3 months / Certificate & Proof of business existence along with Business Profile
  6. Form 16 for last 2 years / Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant
  7. Processing Fee Cheque in favour of ‘PNB Housing Finance Ltd.’
  8. Photocopy of Title Documents of the Property, Approved Plan

All documents need self-attestation.
Other Loan Scheme of PNBHFL – PNB HFL Loan against Property

PNB Housing Finance Branch address for apply home loans

CityLocation / Branch Address
Agra1st Floor, Sumriddhi Complex, Suite No. 104- 105, Block No. 38/A4, Sanjay Place, Agra – 282002
AhmedabadPNB Housing Finance Ltd. 2nd Floor Megha House , Opp Kotak BankMithakhali Six Road, Ahmedabad – 380006
BangaloreProperty Bearing no. 5, Mathrushree Arcade, 100 ft Ring Road 1st Phase, 2nd stage BTM Layout, Bangalore – 560076
BengaluruHVV Plaza #76, 2nd Floor, “B” Wing, 4th main,15th Cross, Opposite Himanshu School & Karnataka Bank, Malleshwaram, Bengaluru – 560055.
Bangalore#56, Sai Arcade, 3rd floor, Marathahalli Ring Road, Devarabisanahalli, Bangalore – 560103
BhiwadiA-10, 1st Floor,Bhagat Singh Colony, Alwar Bye Pass, Bhiwadi, Rajasthan
Bhopal1st Floor, 131/10, Zone II, M P Nagar, Tehsil Huzur, Bhopal-462011
BikanerB-46, 2nd floor, Sadul Ganj, Bikaner – 334002
ChandigarhSCO 323-324, Second Floor, Sec 35 B,Chandigarh – 160008
ChennaiCAPITAL ONE, 1st Floor, No 398, Rajiv Gandhi Salai, (OMR) Nehru Nagar, Kottivakkam, Chennai 600096
Chennai3rd floor, Sudershan Builidng, No. 14, Whites Road, Roayapettah, Chennai – 600014
Cochin/ Kochi1st Floor, R P Arcade, Adjacent to Gold Souk Mall, Near Railway Overbridge, Ponnuruni,Vytilla, Cochin – 682019
Coimbatore1112, Raja Plaza,2nd Floor, Laxmi Mill Junction, Coimbatore – 641037
DehradunShop no. 203,Laxmi Chambers 69, Rajpur Road, Dehradun – 248001
Faridabad1st Floor, Huda Market, Above Allahabad bank, Sector-21C, Faridabad-122001
GhaziabadUG 11,12 & 13, SG Beta Tower, Plot no 10 Sector – 3, Vasundhara, Ghaziabad (UP) – 201011
New DelhiGround Floor, S-8, Uphar Cinema complex, Green Park Extension, New Delhi -110016
GurgaonSCO No. 391, Sector – 29, Urban EstateNear Iffco Chowk Metro Station, Gurgaon – 122001
Hyderabad6-1-73, First Floor Saeed PlazaLakdi Ka Pool, Saifabad, Hyderabad – 500004
Indore201, 2nd floor, Megapolis Building, 579, M G Road,Indore – 452001
JaipurSB – 59, UDB Towers, 1st Floor, opp. Jaipur Nagar Nigam,Tonk Road, Jaipur-302015
JalandharOffice No. 23, 24, 25 , 1st Floor, City Square Mall, Civil Lines, Old G. T. Road, Jalandhar – 144001(Punjab)
JodhpurJasoda Tower, A-65-69, Akhaliya Circle, Jodhpur
JanakpuriH. No. 36, Ground Floor Block B -1, Janakpuri East Metro Station, New Delhi- 110058
KarnalSCO 218-219, 1st Floor, Sector 12, Part 1, City Centre Huda, Karnal – 132001
Kolkata5th Floor South Block, Premises No. 7 KYD Street, Kolkatta-700016
Lucknow1st Floor, Commercial Complex, Shahnajaf Road, Pandit House, Lucknow – 226001
LudhianaSCO 16-17, 2nd Floor, Canal Colony, Pokhwal road Near NRI Silk, Ludhiana-141001
Meerut1st Floor, Pinnacle Tower, Vaishali Corner, Garh Road, Meerut (U.P)
Mumbai1st Floor, Kapur House, Near Mahila Sangh Hanuman Road,Ville Parle(East) Mumbai – 400057
NagpurApartment No. 301, 3rd Floor, Plot No. 1 & 2, Gupta House, Ravindranath Tagore Marg, Civil Lines, Nagpur-440001
Navi Mumbai5th Floor, Flat No. 508-509, Persipolis Building, Sector -17, Vashi, Navi Mumbai-400703
New Delhi8th Floor DCM Building16, Barakhamba Road, C P, New Delhi – 110001
NoidaF-4 18/19, Wave first Silver tower, Plot No. 6, Block – D, SECTOR – 18, Noida – 201301
Pune5 A,B,C,D Sheerang House, Above standard Chartered Bank, Opp.Jangli Maharaj Temple, J M Road, Shivaji Nagar, Pune – 411005
ChinchwadOffice No. 302, 3rd Floor, Gheewala complex, Station Road, Chinchwad
RaipurOffice No. 111 , 112, First Floor, Plot No. 1, Block No. 9, D B Corporate Park, Rajbandha Maidan, Raipur
Thane1st Floor, Pushpmangal Complex (Building No. 1), Above Bank of Baroda, Near Babubhai Petrol Pump,Old Agra Road, Thane (West)-400601, Maharastra
TrivandrumF1, KEK Tower,First Floor, Opp. To Trivandrum Development Authority, Vazhuthacaud, Trivandrum-695010
Varanasi2nd Floor, Tulsi Complex, C-19/134, M-B, Shastri Nagar, Sigra, Varanasi, (U.P.)

Other Available Loan Products of PNB Housing

Source: PNB Housing Finance Website