Does PNB consider the income of the co-applicants while applying for home loans?

Yes, PNB considers the income of the co-applicants for determining the repayment capacity while applying for a home loan.

Who can be the co-applicants to PNB Home Loan borrowers?

Punjab National Bank allows spouses and earning children (both married and unmarried) to become co-applicants for home loan borrowers. Parents can also be co-applicants in cases where the property is owned singly or jointly by a son and daughter. Also, clubbing of their incomes may be allowed for eligibility or loan repayment purposes.

What is the minimum credit score required to avail PNB Home Loans?

PNB has not specified any cut-off credit score for home loan applicants. However, applicants with a credit score of 750 and above are generally more likely to get a home loan.

How to pay PNB Home Loan EMI online?

PNB home loan borrowers can make loan repayments online through the official website of Punjab National Bank. They can navigate to the “Online Payment” option given on the home page of the official website of Punjab National Bank, select the “PNB Home Loan EMI Repayment” option, fill in the required details and pay the home loan EMI online.

Does Punjab National Bank offer special home loan interest rates to its female applicants?

Punjab National Bank does not offer any discount in interest rates to its female applicants. Hence, the PNB home loan interest rates for female applicants will be the same as the interest rates offered to other applicants.

Does PNB offer preferential interest rates to home loan applicants having higher credit scores?

Yes, PNB offers lower interest rates to home loan applicants with higher credit scores. For example, the lowest home loan interest rates are offered to applicants with a credit score of 750 and above, followed by applicants with 700-749, 650-699, and 550-649 credit scores.

What is the moratorium period for PNB Housing Loans?

For home loans taken for the construction of a house/addition to a house/flat, the moratorium period can be up to 18 months from the date of disbursement of the first loan installment or till the completion of construction/addition, whichever is earlier. In case of home loans taken for repairs/renovation/alterations to a house or flat, the moratorium period can extend up to 6 months from the date when the first loan installment was disbursed or till the completion of repairs/alterations/renovation, whichever is earlier.

How to download a home loan interest certificate from PNB?

You can download your PNB Home Loan interest certificate through the official website of Punjab National Bank or through its mobile banking app, PNB ONE. You can also visit the PNB branch to get your home loan interest certificate.

How can I check my outstanding PNB home loan amount?

Existing home loan borrowers of PNB can check their outstanding home loan balance through the official website of Punjab National Bank or through its home loan app, PNB One. They can also visit the Punjab National Bank branch to check their home loan balance.

What is a PNB Digi Home Loan?

PNB Digi Home Loan is a digital home loan offered to salaried employees, professionals, pensioners, businessmen, farmers, etc. for all purposes except for home loan balance transfer.

How can I track my PNB Home Loan?

You can track PNB Home Loan through the official website of Punjab National Bank or through the mobile banking app, PNB ONE. You can also track the home loan by visiting the PNB branch.

PNB Home Loan

Punjab National Bank offers home loans at competetive interest rates for long tenures. The bank offers home loan overdraft facility and various special home loan products for defence personnel, government employees and gen-next salaried individuals working with IT concerns or Government/PSUs up to the age of 40 years. Prospective borrowers can apply for PNB Home Loan through Paisabazaar app.

Get Home Loan

Lowest interest rates starting from 7.1%

Google Play Store

4.5_/5

15.6L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Loan Option for All Home Needs

New, Renovation and Balance Transfer

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

Dedicated Customer Support

Expert Assistance at Every Step

Highest Loan Approval Chances

Offers for Salaried & Self-Employed

Find Best Home Loan Offers

Sort by:

HDFC Bank

Min Loan Amt. ₹15L

Rate of Interest7.2% - 13.2%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

ICICI Bank

Min Loan Amt. ₹15L

Rate of Interest7.65% - 9.80%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

Axis Bank

Min Loan Amt. ₹30L

Rate of Interest8.35% - 11.90%

Tenure uptoUpto 30 Years

Processing Fee₹ 14,000

Quick Links

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Curated Offers from Multiple Lenders

Highest Loan Approval Chances

Easy & Transparent Borrowing Process

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

PNB Home Loan Highlights

Particulars	Details
Interest Rate	7.25% p.a. onwards
Loan Amount	As per the borrower’s eligibility
LTV Ratio	Up to 75% of the loan amount
Tenure	Up to 30 years
Processing Charges	Rs. 20,000

Note: Last updated on 14th April 2026

Punjab National Bank Home Loan Interest Rates

Applicants applying through Paisabazaar can avail PNB home loan at interest rates starting from 7.25% p.a. onwards. The bank has specified differential interest rates based on the loan amount, credit score and the type of loans offered by PNB. However, may also consider the occupation profile, employer’s profile, monthly income, etc. of their applicants while setting their home loan interest rates.

Comparison of PNB Home Loan Interest Rate with Other Lenders

Name of Lender	Interest Rates
Axis Bank	8.00% - 11.90% p.a.
Bajaj Housing Finance	7.15% p.a. onwards
Bank of India	7.10% - 10.25% p.a.
Canara Bank	7.15% - 10.00% p.a.
Easy Home Finance	8.99% p.a. onwards
Federal Bank	7.30% - 10.75% p.a.
Godrej Housing Finance	7.60% p.a. onwards
HDFC Bank	7.20%* p.a. onwards
HDFC Sales Pvt. Ltd.	7.20%* p.a. onwards
Home First Finance	8.00% p.a. onwards
ICICI Bank	7.45% p.a. onwards
IDBI Bank	7.35% p.a. onwards
IDFC FIRST Bank	8.85% p.a. onwards
India Shelter Home Loan	14.00% p.a.
Jio Housing Finance	8.20% p.a. onwards
L&T Finance Limited	7.65%* p.a. onwards
Piramal Capital Housing Finance	9.99% p.a. onwards
PNB Housing Finance	7.50% p.a. onwards
Punjab & Sind Bank	7.30% - 10.70% p.a.
RBL Bank	8.20% p.a. onwards
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% p.a. onwards
Shubham Housing Finance	10.45% p.a. onwards
State Bank of India	7.25% - 8.95% p.a.
Tata Capital Housing Finance	7.50% p.a. onwards

*when applied through Paisabazaar
Rates as of 13th April 2026

How to Apply for a PNB Home Loan

Applicants can apply for a PNB Home Loan either through the official website of Punjab National Bank or through the PNB app, PNB ONE.
One can also visit the Punjab National Bank branch to apply for a home loan.
Prospective home loan borrowers can also apply for the PNB Home Loan through online financial marketplaces like Paisabazaar.

Get a Home Loan For
Your Dream Home

PNB Home Loan Processing Fee & Other Charges

PNB Housing Loan

Particulars	Details
Processing Fee	Rs. 20,000

PNB Max Saver

Particulars	Details
In case the customer has paid upfront fees and documentation charges at the time of availing housing loan	Rs. 2,500
In case the customer has not paid upfront fees and documentation charges at the time of availing housing loan	Rs. 2,500

PNB Pride

Particulars	Details
Processing Fee	NIL
Documentation Charges	NIL

PNB Digi Home Loan

Particulars	Details
Processing Fee	NIL

PNB Home Loan Documents Required

Following is the list of documents required for home loans for both salaried and self-employed individuals:-

Salaried	Self Employed
Duly filled in home loan application form along with a photograph	Duly filled in home loan application form along with a photograph
Proof of Identity such as an Aadhaar Card, PAN Card, Passport, Driving License and Voter’s ID Card	Proof of Identity such as an Aadhaar Card, PAN Card, Passport, Driving License and Voter’s ID Card
Proof of Residence such as Aadhaar Card, Passport, Driving License and Voter’s ID Card	Proof of Residence such as an Aadhaar Card, Passport, Driving License and Voter’s ID Card
Proof of Age such as an Aadhaar Card, PAN Card, Passport, Birth Certificate, Driving License and Voter’s ID Card	Proof of Age such as an Aadhaar Card, PAN Card, Passport, Birth Certificate, Driving License and Voter’s ID Card
Proof of Educational Qualification	Proof of Educational Qualification
Proof of Income: Salary certificate issued by the employer (indicating gross and net salary)/Income Tax Return	Proof of Income for Agriculturist: Record of landholding & cropping pattern or any other proof of income
Bank Statement of salary account for the past six months	Proof of Income for Other Self Employed: Last 3 years’ Income Tax Return or Assessment Order & Computation of Income Statement
Bank Statement of salary account for the past six months	Bank Statement of account for the last six months

Additional Documents for PNB Home Loan

Income proof of spouse/earning children/joint borrowers (if applicable)
Property documents as required

Documents Required for availing PNB Digi Home Loan

Aadhaar number linked with mobile number
Valid PAN card
Valid mobile number
Property details
Income tax login details for fetching ITR details
In the case of new bank customers, a web camera for clicking pictures and performing video KYC.

PNB Home Loan Eligibility Criteria

Below-mentioned are the eligibility criteria for various PNB home loan schemes offered by Punjab National Bank:

Housing Loan for Public

Salaried employees, professionals, businessmen, farmers, self-employed individuals, etc., having a regular source of income are eligible for PNB Housing Loan for Public.

PNB Digi Home Loan

Individuals or groups of individuals having an assured source of regular income such as salaried employees, self-employed, pensioners, professionals, farmers, businessmen, etc.
Applicant should have filed ITR for 2 years.

PNB Pride Housing Loan for Government Employees

Permanent employees of the Central/State Government, paramilitary forces and PSUs, and pensioners of the Central/State Government can avail PNB Pride Housing Loan for Government Employees.

PNB Gen-Next Housing Finance Scheme for Public

The applicant should be a salaried employee with a minimum of 3 years of experience. The co-borrower should also be a salaried individual.
Age at the time of loan application: Up to 40 years.
In the case of multiple borrowers whose income is considered to meet the home loan eligibility criteria, the age of one applicant must be up to 40 years and others may be up to 45 years. Co-owner of the property whose income is not considered to meet the home loan eligibility criteria should necessarily be made the co-borrower irrespective of his/her age.
Minimum Monthly Salary: Rs. 35,000.

Note: Punjab National Bank also considers the credit score of its home loan applicants, just like many home loan lenders do while evaluating the home loan eligibility of their applicants.

PNB Home Loan Customer Care

PNB home loan customers can call the following numbers for any grievances:

1800 1800 (Toll Free)
1800 2021 (Toll Free)
0120-2490000 (Paid Number)

Types of Punjab National Bank Home Loans

PNB Housing Loan for Public

Purpose: PNB offers Housing Loan for the Public to finance the purchase or construction of houses/flats, for carrying out addition/repair/renovation/alteration/furnishing of existing properties, for purchasing construction houses or flats from housing boards/co-operative societies/development authorities/projects/approved private builders, for plot/land purchase for construction of the home and to meet the escalation cost of under construction flats of existing home loan borrowers.

Loan Amount:

For plot/land purchase for house construction: Up to Rs. 50 lakh.
For repair/renovation/alteration: Up to Rs. 50 lakh.
For addition/construction/purchase of a house or flat: Need-based loan depending upon the cost of the project and repaying capacity of the home loan borrower.
Furnishing cost: Included in the project cost with a maximum of up to 15% of the housing loan or Rs. 50 lakh, whichever is lower. The limit would be within the stated LTV ratio.

Tenure:

For repair/renovation/alteration of house/flat- Up to 15 years.
For Others- Up to 30 years.

LTV Ratio:

Loan Amount	LTV Ratio
Up to Rs. 30 lakh	80%-85%*
Above Rs. 30 lakh to Rs. 75 lakh	80%
Above Rs. 75 lakh	75%
For purchase of plot/land for home construction	75%

PNB Digi Home Loan

Purpose: Individuals can avail PNB Digi Home Loan for all purposes except balance transfer of home loan from other lenders.

Loan amount: Up to Rs. 5 crore.

LTV ratio: Up to 85% of property cost.

Tenure: Up to 30 years.

PNB Housing Finance Scheme for Public - PNB Max Saver

Purpose: PNB Max Saver is a home loan overdraft facility wherein the existing home loan borrowers can withdraw the required loan amount from the linked overdraft account within the sanctioned overdraft limit.
Borrowers can avail PNB Max Saver scheme to finance the purchase or construction of houses/flats, for carrying out addition/repair/renovation/alteration/furnishing of existing properties, for purchasing under-construction houses or flats from housing boards/co-operative societies/development authorities/projects/approved private builders and to meet the escalation cost of under construction flats of existing home loan borrowers.

Loan Amount: Rs. 10 lakh onwards.

PNB Pride Housing Loan for Government Employees

Purpose: Punjab National Bank offers PNB Pride Housing Loan for Government Employees to permanent employees of the State Government, Central Government, Defense Personnel, Paramilitary forces, PSUs and pensioners of the State/Central Government.

Loan Amount:

For Plot/land purchase for house construction: Up to Rs. 50 lakh.
For addition/construction/purchase of a house or flat: As per the applicant’s requirement, depending upon the cost of the project and the repaying capacity of the home loan borrower.
For repair/renovation/alteration: Up to Rs. 50 lakh.
Furnishing Cost: Included in the project cost with a maximum of up to 15% of a home loan or Rs. 50 lakh, whichever is lower.

Tenure:

For repair/renovation/alteration of house/flat- Up to 15 years.
For others- Up to 30 years.

LTV Ratio:

Loan Amount	LTV Ratio
Up to Rs. 30 lakh	80%-85%*
Above Rs. 30 lakh to Rs. 75 lakh	80%
Above Rs. 75 lakh	75%
For purchase of Plot/Land for home construction	75%

*In such cases, a higher rate of interest is charged on card rates.

PNB Gen-Next Housing Finance Scheme for Public

Purpose: Gen-Next salaried borrowers can avail ‘PNB Gen-Next Housing Finance Scheme for Public’ to raise funds for the purchase of ready-to-move-in flats/houses, for the construction of houses/flats and for the purchase of under-construction flats from approved private builders.

Loan Amount: Rs. 20 lakh onwards.

Tenure: Flat 30 years.

PNB Composite Loan

Purpose: Punjab National Bank offers Composite Loans to its applicants to finance the purchase of residential plots and the construction of houses on it thereon.

Loan Amount:

The loan amount is offered depending on the repayment capacity of the borrower and the cost of the project.
The loan amount for plot purchase should be less than 60% of the eligible loan amount.
Out of the total eligible loan amount, at least 40% of the loan amount should be used for home construction purposes.

LTV Ratio:

Particulars	Loan Amount	LTV Ratio
For plot purchase+home construction	Up to Rs. 30 lakh	80%-85%*
	above Rs. 30 lakh to Rs. 75 lakh	80%
	above Rs. 75 lakh	75%
For purchase of plot/Land for home construction		75%

Tenure: Up to 30 years.

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Explore Our Home Loan Lenders

Get a Home Loan For
Your Dream Home

FAQs

What is the current PNB Home Loan interest rate?

Punjab National Bank offers home loan interest rates starting from 7.25% p.a. onwards. The lender offers differential interest rates depending on the credit score, type of home loan scheme and loan amount offered to the applicant.

Can I prepay my PNB Home Loan?

Yes, you can prepay your PNB home loan. The bank does not levy any prepayment charges on home loans taken at floating rates. For fixed-rate home loans, no charges are levied if the loan is prepaid from your own sources. However, a prepayment charge of 2% is levied if the home loan is transferred to other banks or HFCs.

How to check PNB Home Loan status?

You can check your PNB Home Loan status through the official website of Punjab National Bank or through PNB ONE, the mobile app of the bank. You can also visit Punjab National Bank branch to check the status of your home loan.

What are the PNB Home Loan interest rates for government employees?

PNB Home Loan interest rates for government employees start from 7.20% p.a. depending on the loan amount, credit score and type of PNB Home Loan schemes availed by the applicant.

What is the maximum age limit for PNB Housing Loan?

Punjab National Bank has not specified the maximum age limit for PNB Housing Loan. However, the maximum age limit for most lenders is 60 years or the retirement age, whichever is earlier.

Is insurance mandatory for PNB Home Loans?

PNB has not specified whether insurance is mandatory for its home loan or not. However, it is not mandatory to purchase home loan insurance for most lenders.

How much home loan can I get from Punjab National Bank?

Punjab National Bank has not disclosed the loan amount it offers to its home loan applicants. However, the lender decides the home loan amount depending on the project cost and repayment capacity of the borrower.

How to reduce home loan interest rates in Punjab National Bank?

Punjab National Bank has not disclosed the process for reducing their home loan interest rates. If the bank refuses to reduce their home loan interest rates, applicants can opt for a home loan balance transfer facility for transferring their existing home loan interest rates to other lenders at lower interest rates.

Can I choose between fixed and floating rates of interest?

Punjab National Bank offers home loans at floating and fixed interest rates.

How can I calculate the total interest cost for my home loan availed from Punjab National Bank?

You can calculate your total home loan interest cost by using the PNB Home Loan EMI Calculator. Applicants need to enter the loan amount, loan tenure and the interest rate in the calculator and calculate the total EMIs and interest cost.

Home Loan Articles

How Credit Score Helps Get Cheaper Home Loans

Sumit Kumar07 May 2026

Joint Home Loan Benefits

Vandana Punj18 Jul 2025

Factors to consider while availing joint home loan

Paisabazaar02 Jun 2025

Top 5 Reasons for Home Loans Rejections

Paisabazaar02 Jun 2025

Home Loan Overdraft Facility: Benefits and Drawbacks Explained

Paisabazaar02 Jun 2025

Home Loan Processing Fees and Charges

Bhumika Khandelwal13 Oct 2024

Home Loans: Floating vs Fixed Interest Rates

Rahul Misra01 Jun 2023

Missed home loan EMI? What will be the consequences?

Team PaisaBazaar18 May 2023

3 Tips to Help You Close Your Home Loan Early

Vandana Punj16 Apr 2023

Loan-to-Value (LTV) Ratio: Meaning, Importance and Calculation

Vandana Punj20 Feb 2023

View All Articles

What our customers say

Time saving process

Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

Soumil KhannaSep 3, 2021

View All Testimonials

Written By

Vandana Punj

Reviewed By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Check Handpicked Home Loan Offers
At Affordable Rates

Talk to Expert

Talk to Expert

PNB Home Loan

Find Best Home Loan Offers

Quick Links

How Can I Apply for a Home Loan Online?

PNB Home Loan Highlights

Punjab National Bank Home Loan Interest Rates

Comparison of PNB Home Loan Interest Rate with Other Lenders

How to Apply for a PNB Home Loan

PNB Home Loan Processing Fee & Other Charges

PNB Housing Loan

PNB Max Saver

PNB Pride

PNB Digi Home Loan

PNB Home Loan Documents Required

Additional Documents for PNB Home Loan

Documents Required for availing PNB Digi Home Loan

PNB Home Loan Eligibility Criteria

Housing Loan for Public

PNB Digi Home Loan

PNB Pride Housing Loan for Government Employees

PNB Gen-Next Housing Finance Scheme for Public

PNB Home Loan Customer Care

Types of Punjab National Bank Home Loans

PNB Housing Loan for Public

PNB Digi Home Loan

PNB Housing Finance Scheme for Public - PNB Max Saver

PNB Pride Housing Loan for Government Employees

PNB Gen-Next Housing Finance Scheme for Public

PNB Composite Loan

How Can I Apply for a Home Loan Online?

FAQs

What is the current PNB Home Loan interest rate?

Can I prepay my PNB Home Loan?

How to check PNB Home Loan status?

What are the PNB Home Loan interest rates for government employees?

What is the maximum age limit for PNB Housing Loan?

Is insurance mandatory for PNB Home Loans?

How much home loan can I get from Punjab National Bank?

How to reduce home loan interest rates in Punjab National Bank?

Can I choose between fixed and floating rates of interest?

How can I calculate the total interest cost for my home loan availed from Punjab National Bank?

Does PNB consider the income of the co-applicants while applying for home loans?

Who can be the co-applicants to PNB Home Loan borrowers?

What is the minimum credit score required to avail PNB Home Loans?

How to pay PNB Home Loan EMI online?

Does Punjab National Bank offer special home loan interest rates to its female applicants?

Does PNB offer preferential interest rates to home loan applicants having higher credit scores?

What is the moratorium period for PNB Housing Loans?

How to download a home loan interest certificate from PNB?

How can I check my outstanding PNB home loan amount?

What is a PNB Digi Home Loan?

How can I track my PNB Home Loan?

Home Loan Articles

What our customers say

Disclaimer