PNB Housing Finance | Interest Rates 2019 | EMI Eligibility Calculator

PNB Housing finance (PNBHFL) – Instant apply for PNB Housing Loans at Lowest Interest Rates of 9.10% March 2019 ✓ EMI. Compare ✓ Online Eligibility ✓ Documents ✓ EMI per lakh for house loan at Deal4loans.

Latest Update: PNB housing updated its interest rates 9.10% – 9.20% charged from Salaried / Self Employed Professional and 9.30% – 9.50% from Self Employed Business/ Non Professional.

Home Loan applications received for rupees ₹ 419,027 crores till 26 March 2019

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54,02,013 loan quotes taken till now.
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  • As RBI cuts rate, should you go for fixed home loan Deal4loans views Published @ Economic Times online.

PNB HFL Information

Interest Rates 9.10% – 9.50%
Approval Time 48 Hours
Pre payment Charges Nil
Loan Amount 75% to 90% of market value
Min. Income Rs.12000/- p.m
Loan Repayment 30 years
Processing Fees N.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:

Any Loan Amount

Fixed Floating

Self-employed professionals
Self-employed non-professionals
Upto INR 75 Lacs 9.10% 9.30%
Above 75 Lakhs 9.20% 9.50%

“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

City Location / Branch Address
Agra 1st Floor, Sumriddhi Complex, Suite No. 104- 105, Block No. 38/A4, Sanjay Place, Agra – 282002
Ahmedabad PNB Housing Finance Ltd. 2nd Floor Megha House , Opp Kotak BankMithakhali Six Road, Ahmedabad – 380006
Bangalore Property Bearing no. 5, Mathrushree Arcade, 100 ft Ring Road 1st Phase, 2nd stage BTM Layout, Bangalore – 560076
Bengaluru HVV 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
Bhiwadi A-10, 1st Floor,Bhagat Singh Colony, Alwar Bye Pass, Bhiwadi, Rajasthan
Bhopal 1st Floor, 131/10, Zone II, M P Nagar, Tehsil Huzur, Bhopal-462011
Bikaner B-46, 2nd floor, Sadul Ganj, Bikaner – 334002
Chandigarh SCO 323-324, Second Floor, Sec 35 B,Chandigarh – 160008
Chennai CAPITAL ONE, 1st Floor, No 398, Rajiv Gandhi Salai, (OMR) Nehru Nagar, Kottivakkam, Chennai 600096
Chennai 3rd floor, Sudershan Builidng, No. 14, Whites Road, Roayapettah, Chennai – 600014
Cochin/ Kochi 1st Floor, R P Arcade, Adjacent to Gold Souk Mall, Near Railway Overbridge, Ponnuruni,Vytilla, Cochin – 682019
Coimbatore 1112, Raja Plaza,2nd Floor, Laxmi Mill Junction, Coimbatore – 641037
Dehradun Shop no. 203,Laxmi Chambers 69, Rajpur Road, Dehradun – 248001
Faridabad 1st Floor, Huda Market, Above Allahabad bank, Sector-21C, Faridabad-122001
Ghaziabad UG 11,12 & 13, SG Beta Tower, Plot no 10 Sector – 3, Vasundhara, Ghaziabad (UP) – 201011
New Delhi Ground Floor, S-8, Uphar Cinema complex, Green Park Extension, New Delhi -110016
Gurgaon SCO No. 391, Sector – 29, Urban EstateNear Iffco Chowk Metro Station, Gurgaon – 122001
Hyderabad 6-1-73, First Floor Saeed PlazaLakdi Ka Pool, Saifabad, Hyderabad – 500004
Indore 201, 2nd floor, Megapolis Building, 579, M G Road,Indore – 452001
Jaipur SB – 59, UDB Towers, 1st Floor, opp. Jaipur Nagar Nigam,Tonk Road, Jaipur-302015
Jalandhar Office No. 23, 24, 25 , 1st Floor, City Square Mall, Civil Lines, Old G. T. Road, Jalandhar – 144001(Punjab)
Jodhpur Jasoda Tower, A-65-69, Akhaliya Circle, Jodhpur
Janakpuri H. No. 36, Ground Floor Block B -1, Janakpuri East Metro Station, New Delhi- 110058
Karnal SCO 218-219, 1st Floor, Sector 12, Part 1, City Centre Huda, Karnal – 132001
Kolkata 5th Floor South Block, Premises No. 7 KYD Street, Kolkatta-700016
Lucknow 1st Floor, Commercial Complex, Shahnajaf Road, Pandit House, Lucknow – 226001
Ludhiana SCO 16-17, 2nd Floor, Canal Colony, Pokhwal road Near NRI Silk, Ludhiana-141001
Meerut 1st Floor, Pinnacle Tower, Vaishali Corner, Garh Road, Meerut (U.P)
Mumbai 1st Floor, Kapur House, Near Mahila Sangh Hanuman Road,Ville Parle(East) Mumbai – 400057
Nagpur Apartment No. 301, 3rd Floor, Plot No. 1 & 2, Gupta House, Ravindranath Tagore Marg, Civil Lines, Nagpur-440001
Navi Mumbai 5th Floor, Flat No. 508-509, Persipolis Building, Sector -17, Vashi, Navi Mumbai-400703
New Delhi 8th Floor DCM Building16, Barakhamba Road, C P, New Delhi – 110001
Noida F-4 18/19, Wave first Silver tower, Plot No. 6, Block – D, SECTOR – 18, Noida – 201301
Pune 5 A,B,C,D Sheerang House, Above standard Chartered Bank, Opp.Jangli Maharaj Temple, J M Road, Shivaji Nagar, Pune – 411005
Chinchwad Office No. 302, 3rd Floor, Gheewala complex, Station Road, Chinchwad
Raipur Office No. 111 , 112, First Floor, Plot No. 1, Block No. 9, D B Corporate Park, Rajbandha Maidan, Raipur
Thane 1st Floor, Pushpmangal Complex (Building No. 1), Above Bank of Baroda, Near Babubhai Petrol Pump,Old Agra Road, Thane (West)-400601, Maharastra
Trivandrum F1, KEK Tower,First Floor, Opp. To Trivandrum Development Authority, Vazhuthacaud, Trivandrum-695010
Varanasi 2nd 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

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 10 reviews
by Vishal on PNB Housing Finance
PNB Housing loans

Took a loan from PNB Housing and I have to say I was supported at all phases. Easy, Quick and no tension!

by anubhav on PNB Housing Finance
PNB Housing

Had taken a loan from PNB Housing. Quick service as they disbursed the loan very quickly. The relationship manager was very helpful. Thank you and keep it up.

easy home loans

It was my first time taking a home loan and I decided on PNB Housing. Being the first time, PNB servicing team he held my hand and guided me at each step. Easy, Quick & hassle free!

by abhishek on PNB Housing Finance
convenient service

My experience with PNB Housing was definitely a positive one. Easy documentation, helpful customer care service, no hassles.

by tushar on PNB Housing Finance
Easy, Convenient!

It was my first time buying a house and I can say that PNB housing made the process very simple and easy for me.

by Neha Mehta on PNB Housing Finance
Happy with PNB housing

PNB Housing helped me get my dream home. I am happy with the services and would surely recommend to others.

Good Experience with PNB Housing

Good Experience with PNB Housing
It is really easy to get documents from pnb housing. Their mobile app is very easy to use and get all certificates etc from the app itself. Great work pnb housing.

by prasanth kumar km on PNB Housing Finance
home loan

i need more information

by Sunil Kumar on PNB Housing Finance
Not a recommended home loan institution

PNBFHL is not a bank it is home finance institution. That means they don't have any other income source other than the interest from home loans. But they are not the only one in market, hence there is tough competition.

by hardeep on PNB Housing Finance

In terms of service & customer care PNB housing is best as per market terms.