PNB Pride Housing Loan for Government Employees offers exclusive benefits tailored to support government staff in achieving their dream home. With competitive interest rates, flexible EMIs, and minimal processing fees, this loan makes homeownership more accessible. Explore eligibility criteria and required documents to get started today.
PNB Pride Housing Loan Highlights
The Punjab National Bank Pride housing loan offers a host of benefits to make owning a home for government employees in India simple and affordable.
| Features | Details |
|---|---|
| Interest Rates | 8.40% p.a. onwards |
| Profession | Central/State Government employees, Defence personnel, Para-military forces, and Government pensioners |
| Purpose | For construction, purchase, renovation, or land acquisition for housing, including cost escalation for under-construction properties. |
| Loan Tenure | Upto 30 years inclusive of moratorium period, if any |
Read More: PNB Housing Finance Home Loan Interest Rates
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Punjab National Bank Pride Housing Loan Interest Rates 2025
Punjab National Bank offers Pride housing loans with competitive interest rates, making property ownership in India easier for government employees. The PNB Pride housing loan comes with simple terms and a clear rate structure for easy financial planning.
| Applicant Type | Interest Rate |
|---|---|
| Government Employees | Starting at 8.40% p.a. |
PNB Pride Housing Loan Eligibility Criteria
To be eligible for a PNB Pride housing loan for government employees, applicants must meet several criteria that generally include following ones:
| Features | Details |
|---|---|
| Profession | Central/State Government employees, Defence personnel, Para-military forces, and Government pensioners |
Also Read: PNB Home Loan Eligibility Criteria
Punjab National Bank Pride Housing Loan Processing Fees
When applying for a PNB Pride Housing Loan, be mindful of the processing fees (based on loan amount) which are designed to cover the administrative costs of processing your loan application.
| Fee Type | Amount |
|---|---|
| Processing Fees | Full waiver on home loan processing fees |
Read More: Home Loan Processing Fees and Charges
PNB Pride Housing Loan Other Fees and Charges
When government employees take a housing loan from PNB Bank, they may need to pay additional charges beyond the processing fee. Below is the accurate breakdown:
| Charge Type | Description |
|---|---|
| Late Payment Charges | 24% p.a on unpaid EMI for the delayed period |
| Repayment Schedule Fee | ₹500/- + GST will be charged |
| Documents Fee | Full waiver |
| Loan Pre-closure Fee | ₹750/- + GST |
| Provisional Interest and Final Interest Paid Certificate Fee | ₹500/- + GST (On request made per instance otherwise 1 Final Interest and 2 Provisional sent through e-mail every year free of cost and no cost on self-download) |
| Copy of Property Documents Fee | ₹500/- + GST (If received through e-mail) ₹1000/- + GST (If printed copies < 50 pages) ₹1500/- + GST (If printed copies > 50 pages) |
| ROI Change Fee (Fixed to Floating) | 3% of POS + GST |
| ROI Change Fee (Floating to Floating with reduction in rate) | 0.5% of POS + GST |
| Fee for EMI payment in cash | ₹1000/- + GST |
| Custody Charges (For property documents not taken back after maturity) | ₹1000/- + GST p.m (after 1 month of Loan closure/maturity) |
| Document Retrieval Charges | ₹1000/- + GST |
| CERSAI Fees | ₹100/- + GST (If loans disbursed after January 31, 2016) ₹500/- + GST (If loans disbursed before January 31, 2016) |
| CERSAI Validation Fees | ₹50/- + GST |
| MODT/Registration of Charge | ₹500/- + GST |
Read More: MODT Cancellation Process and Charges
PNB Pride Housing Loan Documents Required
To apply for a PNB Pride housing loan, government employees must submit essential identity, address, and income documents as per the bank’s guidelines.
| Document Type | Examples |
|---|---|
| KYC Documents | Voter ID, Aadhar Card, PAN Card, or any valid ID/Address Proof |
| Income Proof | Last three years’ ITR, Latest Salary Slip (for salaried individuals) |
Read More: What Are The Essential Documents For Securing A Home Loan
How to Apply to Punjab National Bank Pride Housing Loan?
To apply for a PNB Pride Housing Loan, follow these simple steps:
- Visit the Official Punjab National Bank Website
- Under the ‘Online Application’ Menu, Click on ‘Home Loan’
- If You are a New User, Select ‘Housing Loan New Application’
- Enter Your Name and Mobile Number, then Click ‘Generate OTP’
- Enter the OTP Received on Your Phone
- Create Your Profile and Choose the PNB Pride Housing Loan Scheme to Apply
Also Check: How to Download PNB Home Loan Statement
PNB Home Loan: Other Products
PNB Housing Finance has a range of home loan products catering to diverse needs, from ready-to-move properties to under-construction projects. Read on to find the best fit for your housing requirements.
| Home Loan Products | Interest Rate |
|---|---|
| Housing Loan | 8.00% p.a. onwards |
| Home Loan (CRE Category) | 8.50% p.a. onwards |
| Home Loan (TL PNB Max Saver) | 8.15% p.a. onwards |
| Home Loan (OD PNB Max Saver) | 8.15% p.a. onwards |
| Top Up Loan/Overdraft | 9.20% p.a. onwards |
Read More: PNB Housing Plot Loan Interest Rates
Get a Home Loan
with Highest Eligibility
& Best Rates
Compare Top Banks Home Loan for Government Employees Interest Rates
| Bank/ HFC | Rate of Interest |
|---|---|
| SBI Privilege Home Loan | 8.25% p.a. onwards |
| PNB Pride Housing Loan | 8.50% p.a. onwards |
| Tata Capital Home Loan | 8.75% p.a. onwards |
| SBI Shaurya Home Loan | 8.25% p.a. onwards |
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Conclusion
As a government employee in India, you have access to one of the most competitive home loan interest rates with PNB Pride housing loan for government employees in the market. These benefits can significantly reduce your overall borrowing costs, make homeownership more affordable, and help you build equity faster.
Frequently Asked Questions
The PNB Pride Home Loan is available to permanent employees of Central and State Governments, Defense personnel, Paramilitary Forces, and pensioners of Central and State Governments.
The loan amount is need-based, determined by the applicant’s income, repayment capacity, and the value of the property.
The interest rates start from 8.50% p.a. for applicable employees based on credit score and other factors.
The loan tenure can extend up to 30 years or until the borrower reaches the age of 70, whichever is earlier.
The PNB Pride Home Loan offers a full waiver of processing fees and documentation charges, making it cost-effective for applicants.
Applicants need to submit:
– Completed loan application form with photograph
– Identity proof (Aadhar Card, Voter ID, PAN Card, etc.)
– Address proof
– Age proof
– Income proof (latest salary slip, last three years Income Tax Returns)
Yes, pensioners of Central and State Governments are eligible to apply for the PNB Pride Home Loan.
Applications can be submitted online through the PNB official website or offline by visiting the nearest PNB branch with the required documents.
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