Planning to buy your dream home? Use our easy-to-use calculator to instantly check how much home loan you’re eligible for.
PNB offers competitive interest rates starting from 8.50% p.a., flexible repayment options, and quick loan processing to help make your homeownership dreams come true.
Get exclusive Home Loan offers from PNB Housing Finance
PNB Housing Finance Home Loan Eligibility Criteria
| Criteria | Details |
|---|---|
| Age | Salaried and Self-Employed: 21 – 65 years |
| Employment Type | Salaried, Self-Employed (Professionals and Non-Professionals) |
| Minimum Income | Salaried: Rs.25,000 per month , Self-Employed: Rs.25,000per annum |
Calculate your ideal home loan eligibility and get your dream home faster!
Punjab National Bank Home Loan Highlights
The Punjab National Bank home loan offers flexible terms, competitive interest rates, and high loan amounts, making it an ideal choice for aspiring homeowners.
| Category | Highlights |
|---|---|
| Interest Rate | 8.50% p.a. onwards |
| Loan Amount | Up to 90% of the property value |
| Loan Tenure | 30 Years |
| Processing Charges | 0.35% of the loan amount Min: Rs. 2,500/ Max: Rs. 15,000/ |
Check Out: PNB Home Loan EMI Calculator
Benefits of Using PNB Housing Finance Home Loan Eligibility Calculator
- Instantly determines your loan eligibility
- Access the calculator online anytime for free
- Get a clear understanding of your borrowing capacity
- Helps in aligning your home search with your budget
- Use your eligibility estimate to negotiate better terms and conditions
Also Read: How to Apply for a PNB Home Loan?
Factors Affecting PNB Housing Finance Home Loan Eligibility
Several factors affect your eligibility for an PNB home loan, including:
| Factor | Impact on Eligibility |
|---|---|
| Age of the applicant | Younger applicants get longer repayment tenures |
| Financial position | Strong financials improve eligibility |
| Repayment record | Also good repayment history boosts eligibility |
| Credit score | Higher scores increase chances of approval |
| Existing liabilities | Higher liabilities reduce eligibility |
| Applicant’s profile | Stable profiles are favored |
| Property specifications | Newer, well-located properties have better eligibility |
| Loan guarantor status | Being a guarantor to another loan can affect eligibility |
How to Improve My Eligibility For PNB Home Loan?
To improve your eligibility for an PNB home loan, take these key steps to qualify for a higher loan amount with better terms.
| Factor | How to Improve Eligibility |
|---|---|
| Credit Score | Maintain a score of 750+ by clearing dues on time and reducing debt. |
| Employment Stability | Stay employed with a stable job or business for at least 2 years. |
| Debt-to-Income Ratio | Reduce existing debts or liabilities to lower your DTI ratio. |
| Loan Tenure | Opt for a longer tenure to lower monthly EMI and improve eligibility. |
| Co-applicant | Add a co-applicant with a steady income to boost eligibility. |
| Property Value | Choose a property with a higher market value to increase loan eligibility. |
| Additional Savings | Having significant savings or assets can demonstrate financial stability. |
| Avoid Unnecessary Loans | Refrain from taking new loans during the application process. |
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Punjab National Bank Home Loan Interest Rates
Punjab National Bank provides home loans with interest rates that reflect current market conditions and are influenced by factors like your CIBIL score. You can choose a fixed rate or a floating rate, according to your financial situation.
PNB Interest Rate For Home Loans upto 35 Lakh Based on CIBIL Score
Explore PNB’s competitive home loan interest rates for amounts up to ₹35 lakh, determined by your CIBIL score and creditworthiness.
| Credit Score | Salaried | Non-Salaried |
|---|---|---|
| >=825 | 8.5% to 9% | 8.8% to 9.3% |
| >800 to 825 | 8.8% to 9.3% | 8.95% to 9.45% |
| >775 to 799 | 9.1% to 9.6% | 9.65% to 10.15% |
| >750 to <=775 | 9.25% to 9.75% | 9.8% to 10.3% |
| >725 to <=750 | 9.55% to 10.05% | 10.25% to 10.75% |
| >700 to <=725 | 9.85% to 10.35% | 10.55% to 11.05% |
| >650 to <=700 | 10.25% to 10.75% | 10.75% to 11.25% |
| upto 650 | 10.25% to 10.75% | 10.75% to 11.25% |
| NTC Cibil >=170 | 10.25% to 10.75% | 10.65% to 11.15% |
| NTC Cibil <170 | 10.15% to 10.65% | 10.55% to 11.05% |
PNB Interest Rate For Home Loans above 35 Lakh Based on CIBIL Score
Discover the latest PNB home loan interest rates for amounts exceeding ₹35 lakh, tailored to your CIBIL score and financial profile.
| Credit Score | Salaried | Non-Salaried |
|---|---|---|
| >=825 | 8.5% to 9% | 8.8% to 9.3% |
| >800 to 825 | 8.8% to 9.3% | 8.95% to 9.45% |
| >775 to 799 | 9.2% to 9.7% | 9.8% to 10.3% |
| >750 to =775 | 9.35% to 9.85% | 10.15% to 10.65% |
| >725 to =750 | 9.7% to 10.2% | 10.3% to 10.8% |
| >700 to =725 | 10.05% to 10.55% | 10.75% to 11.25% |
| >650 to =700 | 10.45% to 10.95% | 10.95% to 11.45% |
| upto 650 | 10.45% to 10.95% | 10.95% to 11.45% |
| NTC Cibil >=170 | 10.45% to 10.95% | 10.85% to 11.35% |
| NTC Cibil <170 | 10.35% to 10.85% | 10.75% to 11.25% |
Check Out: PNB Home Loan Interest Rates – 2025
Documents Required For Punjab National Bank Home Loans
When applying for a home loan with the Punjab National Bank, you will need to provide specific documents that verify your identity, income, and property details. Below is a detailed list:
General Document
| Category | Documents Required |
|---|---|
| Proof of Identity | PAN Card/ Driver’s License / Voter ID / Passport / Aadhar Card |
| Proof of Address | Driver’s License / Ration Card / Voter ID / Passport / Aadhar Card / Registered Rent Agreement |
Proof of Income
| Salaried | Self Employed |
|---|---|
| salary slips of last 3 months | Income Proof for business and ITR |
| 1 Year ITR/Form 16 | Profit & Loss Account |
| 6 months bank account statement (salary account or individual account). | Bank account statement for the last 12 months (for individual or business). |
Punjab National Bank Customer Care Contact Details
To facilitate effective communication with customers, Punjab National Bank offers various channels for support.
| Service | Details |
|---|---|
| Toll Free Number | 1800 120 8800 Monday to Saturday, 10 A.M. to 5 P.M. (excluding 1st & 2nd Saturdays and holidays). |
| Email ID | customercare@pnbhousing.com nricare@pnbhousing.com |
| 918448198457 | |
| Locate Your Branch | PNB Branch Locator |
| Write to PNB | Service request/ Inquiry |
Home Loan Interest Rates by Top Banks
| Bank | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh |
|---|---|---|---|
| SBI Bank | 8.50% p.a. onwards | 8.5% p.a. onwards | 8.50% p.a. onwards |
| HDFC Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| LIC Bank | 8.50% – 10.35% p.a. | 8.50% – 10.55% p.a. | 8.50% – 10.75% p.a. |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Punjab National Bank | 8.50% – 11.05% p.a. | 8.50% – 11.05% p.a. | 8.50% – 11.05% p.a. |
| Bank Of Baroda | 8.15% onwards | 8.15% – 10.65% p.a. | 8.40% – 10.90% p.a. |
| Bajaj Housing Finance | 8.50% p.a. onwards | 8.50% p.a. onwards | 8.50% p.a. onwards |
| Axis Bank | 8.75%-10.30% p.a. | 8.75%-10.30% p.a. | 8.75%-10.30% p.a. |
| Bank of India | 8.40% p.a onwards | 8.40% p.a onwards | 8.40% p.a onwards |
| TATA Capital | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
Home Loan Processing Fees by Top Banks
| Bank | Home Loan Processing Fee |
|---|---|
| SBI (State Bank of India) | 0.35% of the loan amount (min ₹2,000, max ₹10,000) + GST |
| HDFC Bank | Upto 0.50% of the loan amount or Rs. 3300/- whichever is higher |
| ICICI Bank | 0.50% of the loan amount (min ₹3,000, max ₹5,000) + GST |
| Axis Bank | 1% of the loan amount or ₹10,000 (whichever is lower) |
| Kotak Mahindra Bank | 0.5% – 1.00% of the loan amount |
| Bajaj Housing Finance | Up to 4% of the loan amount |
Conclusion
Checking your PNB home loan eligibility is a crucial step in securing a home loan. Also, by understanding the eligibility criteria and using the tools provided by PNB , you can ensure a smooth application process and improve your chances of approval. If you need assistance, PNB offers a facility of a pre-approved home loan even before you have identified your dream home. For any queries, feel free to contact our team of experts.
Frequently Asked Questions
The minimum salary required for a salaried individual to be eligible for an PNB Housing Finance home loan is Rs.25,000 per month. For self-employed individuals, the minimum business income should be Rs.25,000 per annum.
Yes, PNB Housing Finance provides up to 90.00% of the property cost as a home loan for properties valued up to Rs.30 lakh.
Eligible individuals for PNB Housing Finance EMI include:
-Salaried professionals aged 21 – 65 with a minimum salary of Rs. 25,000 per month.
-And Self-employed professionals and non-professionals aged 21 – 65 with a minimum annual business income of Rs.25,000.
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