Official Rates • Updated Nov 2026

PNB Housing Finance Limited Home Loan EMI Calculator 2026

PNB Housing home loan interest rate 7.50% - 10.05% p.a., taken from PNB Housing's official website. At 7.5%, a ₹30 lakh loan for 20 years costs ₹24,168 a month (₹806 per lakh).

Interest Rate

7.50% - 10.05%

Floating; rate set by credit score band, loan size and salaried / non-salaried status

Processing Fee

Not published

Check sanction letter

Max Funding (RBI LTV)

Up to 80%

Of property value at this loan size

Max Tenure

Not published

Usually up to 30 years

Home Loan EMI Calculator

Calculate your Home Loan EMI with Moratorium Period

Estimate monthly EMI, total interest and overall outgo using latest rates.

Loan Amount

₹

Fifty Lakhs rupees

₹1L₹10Cr

Interest Rate (% p.a.)PNB Housing (7.5% - 10.05%)

7.5%10.05%

Loan Tenure

years

1 year30 years

Pre-EMI Period

What is Pre-EMI Period?

For under-construction properties, you don't pay full EMI during construction. Only interest accumulates and is added to your loan amount. Full EMI starts after possession.

Monthly EMI

₹40.28 K

Principal Amount

₹50.00 L

Total Interest

₹46.67 L

EMI Repayment Period

240 months (20 years)

Total Amount Payable

₹96.67 L

Loan Composition

240

Months to pay

Principal Amount

₹50.00 L

51.7%

Interest Amount

₹46.67 L

48.3%

Interest vs Principal Ratio

0.93x

You'll pay 0.93 times the principal as interest

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PNB Housing Home Loan Interest Rate & Charges (2026)

Official PNB Housing Rate Page

PNB Housing Finance Limited Home Loan Rates, Fees and Loan Terms 2026
Interest Rate	7.50% - 10.05% p.a.
Rate Benchmark	Floating; rate set by credit score band, loan size and salaried / non-salaried status

These rates are from PNB Housing's published home loan rate card. The rate within the range depends on your credit score, income and loan amount.

Rates last checked against the official PNB Housing website on Nov 2026. Your actual rate depends on your credit score, income and the property.

PNB Housing Home Loan Scheme-wise Rates

Scheme / Segment	Interest Rate (p.a.)
Up to Rs 50 lakh (salaried / non-salaried)Salaried from 7.75% (CIBIL 825+) to 9.75%; non-salaried 8.00% to 10.05%. Page header says "Up to 50 Lacs" but its own text says up to Rs 35 lakh.	7.75% - 10.05%
Mid slab (page does not label the amount band)Second table on the page, unlabeled amount band; salaried 7.60% to 9.65%, non-salaried 7.85% to 9.95%	7.60% - 9.95%
Above Rs 1 crore (salaried / non-salaried)Salaried from 7.50% (CIBIL 825+) to 9.55%; non-salaried 7.75% to 9.85%	7.50% - 9.85%

PNB Housing Home Loan EMI for ₹10 Lakh to ₹1 Crore

Monthly EMI at PNB Housing's starting rate of 7.5% p.a. At the top of the range (10.05%), a ₹30 lakh loan for 20 years costs ₹29,050 a month instead of ₹24,168.

PNB Housing Finance Limited home loan EMI by loan amount and tenure at 7.5%
Loan	10 yrs	15 yrs	20 yrs	25 yrs	30 yrs
₹10 lakh	₹11,870	₹9,270	₹8,056	₹7,390	₹6,992
₹15 lakh	₹17,805	₹13,905	₹12,084	₹11,085	₹10,488
₹20 lakh	₹23,740	₹18,540	₹16,112	₹14,780	₹13,984
₹25 lakh	₹29,675	₹23,175	₹20,140	₹18,475	₹17,480
₹30 lakh	₹35,611	₹27,810	₹24,168	₹22,170	₹20,976
₹40 lakh	₹47,481	₹37,080	₹32,224	₹29,560	₹27,969
₹50 lakh	₹59,351	₹46,351	₹40,280	₹36,950	₹34,961
₹75 lakh	₹89,026	₹69,526	₹60,419	₹55,424	₹52,441
₹1 crore	₹1,18,702	₹92,701	₹80,559	₹73,899	₹69,921

Your rate depends on your credit score, income and the property, so your EMI may be higher. Processing fee, insurance and stamp duty are not included.

Compare PNB Housing with Other Home Loan Lenders (2026)

Home loan rates from each lender's official website, sorted by lowest starting rate. EMI and fee columns use the loan amount and tenure from the calculator above.

Comparing for₹50,00,000 (240 mo)

Sort by:

Lender	Interest Rate (p.a.)	Est. Monthly EMI	Calculated Processing Fee	Total Payable (incl. fees & interest)
LIC Housing Finance Limited	7.15% - 10.25%	₹39,216	Not published	₹94,11,840
Bank of Maharashtra	7.25% - 9.90%	₹39,519	Up to ₹14,750	₹94,99,310
Mahindra Finance	7.25% - 20.00%	₹39,519	Up to ₹2,36,000	₹97,20,560
Bank of India	7.35% - 8.70%	₹39,822	For all loans amounts: 0.35% of loan amount Min.₹3500/- & Max. ₹30,000/- Star Diamond Home Loan: ₹60000.00, irrespective of limit. (All the charges are excluding GST)	₹95,57,280
Indian Bank	7.35% - 8.80%	₹39,822	Up to ₹29,50,000	₹1,25,07,280
Bank of Baroda	7.40% - 9.15%	₹39,974	Processing Charges effective from 01.04.2025 — Baroda Home Loan (All variants), For all channels: Loan amount upto Rs.50.00 lacs- 0.50%, Min: Rs.8,500/- and Max: Rs.15,000/- Loan amount greater than Rs.50.00 lacs- 0.25%, Min: Rs.8,500/- and Max: Rs.25,000/- Takeover: Flat Rs.8,500/- NOTE: Above Charges are excl. of GST.	₹95,93,760
Union Bank of India	7.40% - 9.60%	₹39,974	Up to ₹17,700	₹96,11,460
Canara Bank	7.40% - 10.25%	₹39,974	Up to ₹11,800	₹96,05,560
UCO Bank	7.40% - 9.50%	₹39,974	For offline sanctions: (valid up to 31-03-2026) 50% waiver of processing charges For STP sanctions: (valid up to 31-03-2026) 100% waiver of processing charges	₹95,93,760
Yes Bank	7.40% - 10.00%	₹39,974	Upto 1.5% of the loan amount or Rs 10000/- whichever is higher (Rs 7500/- is non-refundable in case the disbursal has not been availed). The fee is inclusive of login fee. Login Fee Rs. 5000/-	₹95,93,760
IDBI Bank	7.40% - 11.50%	₹39,974	Up to ₹88,50,000	₹1,84,43,760
Punjab National Bank	7.45% - 9.35%	₹40,127	Housing Loan: Processing Fees* 0.35% of the loan amount Minimum- Rs. 2,500/ Maximum- Rs. 15,000/; Documentation Charges* Rs.1350/-. WAIVER OF PROCESSING/UPFRONT FEES AND DOCUMENTATION CHARGES UNDER "PNB UTSAV FESTIVITIES 2026" CELEBRATE DREAMS, CELEBRATE LIFE FROM 01.10.2026 TO 31.12.2026: Home Loan Upfront Fees / Processing Fees — Full waiver; Documentation Charges — Full waiver.	₹96,30,480
Indian Overseas Bank	7.45% - 8.55%	₹40,127	Not published	₹96,30,480
Central Bank of India	7.45% - 9.00%	₹40,127	Up to ₹23,600	₹96,54,080
State Bank of India	7.50% - 8.80%	₹40,280	Up to ₹17,700	₹96,84,900

Live figures calculated for ₹50,00,000 over 240 months. Rates and fee formulas sourced directly from each lender's official website (last verified 9 Nov 2026) and auto-refreshed. GST at 18% is added where charged by the lender.

PNB Housing Home Loan EMI: Worked Example

₹50,00,000 at 7.5% p.a. for 20 years (updates with the calculator above)

Monthly EMI

₹40,280

Total Interest

₹46,67,200

Processing Fee

See rate card

Total Repayment

₹96,67,200

A rate just 0.5% higher raises this EMI to ₹41,822 and adds ₹3,70,080 in interest over the loan. That gap is why your credit score, and asking PNB Housing to move you to its current lowest rate, matter so much.

Who a PNB Housing Home Loan Suits Best

Borrowers whose credit score and income qualify them for the starting rate of 7.5%.
Existing PNB Housing customers, who can often get faster processing or a fee waiver.
Buyers who want a floating rate and plan to prepay, since floating-rate prepayment is penalty-free.
Self-employed or informal-income borrowers, if PNB Housing accepts your income documents when larger banks will not.

Who Should Compare First

Borrowers with a 750+ score: compare the lowest rates in the table above before you accept an offer.
Anyone offered a rate near the top of the 7.50% - 10.05% range: a 0.5% gap costs lakhs over 20 years.
Buyers being pushed to take bundled home loan insurance: it is optional, and a separate term plan is often cheaper.
Borrowers whose EMI would exceed about 40–50% of take-home pay: a smaller loan or longer tenure is safer.

Home Loan Eligibility

Typical norms across Indian lenders. Confirm PNB Housing's exact criteria before applying.

Age: Usually 21–65 years, with the loan ending before 70–75
Income: Stable salary or business income; lenders keep total EMIs within about 50% of take-home pay
Credit score: 750+ for the best rates; 650–700 may still qualify at a higher rate
Work history: 2+ years' total experience (salaried) or 3 years of business with ITRs (self-employed)
Property: Clear, marketable title and approved building plan; the property is mortgaged to the lender

Documents Required

Identity & address: PAN (mandatory), Aadhaar, passport or voter ID
Income (salaried): Last 3 months' salary slips, 6 months' bank statements, Form 16 or ITR for 2 years
Income (self-employed): ITR with computation for 2–3 years, audited P&L and balance sheet, 12 months' bank statements
Property: Sale agreement, title deed chain, approved plan, encumbrance certificate, builder NOC and allotment letter for under-construction flats
Payment proof: Receipts for the down payment / own contribution already paid

How to Apply for a PNB Housing Home Loan

Check your credit report and fix errors before applying; every hard enquiry is recorded.
Use the calculator above to pick an EMI you can comfortably pay, then apply online or at a PNB Housing branch.
Submit KYC, income and property documents, and pay the processing fee.
PNB Housing runs legal and technical checks on the property and issues a sanction letter. Compare its rate, fees and reset terms with other offers.
Sign the loan agreement, register the mortgage, and the loan is disbursed to the seller or builder.

Home Loan Tax Benefits (2026)

From 1 April 2026 these deductions come under the Income-tax Act, 2025, with new section numbers. The limits are unchanged.

Benefit	Section (old → new)	Old regime	New regime
Interest, self-occupied home	24(b) → 22	Up to ₹2 lakh a year	Not allowed
Interest, let-out home	24(b) → 22	Full interest against rent; loss set-off capped at ₹2 lakh	Allowed against rent only; loss cannot be set off
Principal repayment	80C → 123	Within the ₹1.5 lakh limit	Not allowed
Stamp duty & registration	80C → 123	Within the ₹1.5 lakh limit, in the year paid	Not allowed

Interest on an under-construction home is claimed in five equal parts from the year construction is completed, within the same ₹2 lakh cap. Joint borrowers who are also co-owners can each claim their own limits.

Charges to Check Beyond the Interest Rate

Legal and technical valuation fees: charged for checking the property title and value, often separate from the processing fee.
Mortgage registration / MOD charges: stamp duty on the mortgage deed or memorandum of deposit of title deeds, set by your state.
Bundled insurance: a single-premium home loan insurance policy is often added to the loan amount. It is not mandatory, and you pay interest on it.
Rate switch (conversion) fee: moving to the lender's current lower rate usually costs a fee. Compare it with the interest saved.
Benchmark resets: floating rates move with the repo rate or the bank's benchmark. When rates fall, check that your EMI or tenure actually comes down.
Late payment and bounce charges: penal charges apply on missed EMIs and also hurt your credit score.

After You Close the Loan

Collect all original property documents and a no-dues certificate. RBI requires lenders to return them within 30 days of closure, or pay you ₹5,000 for each day of delay.
Make sure the lender removes its charge from the CERSAI registry and, where registered, releases the mortgage at the sub-registrar.
Check your credit report a month later to confirm the loan shows as closed.
If a borrower dies before closure, the co-borrower or legal heirs settle the loan (or an insurance claim does), and the documents are returned to the legal heirs.

PNB Housing Finance Limited Home Loan FAQs

Common questions about PNB Housing home loan interest rates, EMI, charges, prepayment and eligibility in 2026.

What is the PNB Housing Finance Limited home loan interest rate in 2026?

PNB Housing home loan interest rates are 7.50% - 10.05% p.a. as published on PNB Housing Finance Limited's official website. Rates are linked to Floating; rate set by credit score band, loan size and salaried / non-salaried status. The rate you are offered depends mainly on your credit score, income, loan amount and the property.

What is the EMI on a ₹50 lakh PNB Housing home loan?

At PNB Housing's starting rate of 7.5%, a ₹50 lakh home loan costs ₹40,280 a month for 20 years and ₹34,961 a month for 30 years. The longer tenure lowers the EMI but adds far more total interest. Use the calculator above to try your own numbers.

What processing fee does PNB Housing charge on a home loan?

PNB Housing does not publish a fixed home loan processing fee on its rate page. Ask for it in writing before you apply, along with legal and valuation charges.

Can I prepay my PNB Housing home loan without a penalty?

For floating-rate home loans taken by individuals, RBI does not allow banks and housing finance companies to charge any prepayment or foreclosure penalty. Fixed-rate loans and loans taken in a business's name can carry a charge, so check your sanction letter.

How much home loan can I get from PNB Housing?

Two limits apply. First, RBI caps funding at 90% of the property value for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh, so you pay the rest as down payment. Second, lenders usually keep all your EMIs within about 50% of your monthly take-home income.

What CIBIL score do I need for the lowest PNB Housing home loan rate?

Most lenders reserve their lowest home loan rates for scores of 750 and above, and many price in bands (for example 800+, 750–799, 700–749). Below 700, expect a higher spread or a smaller loan.

What happens to a PNB Housing home loan if the borrower dies?

The loan does not disappear. Any co-borrower remains liable for the full outstanding amount. If there is a home loan insurance (term or credit life) policy, the insurer pays off the balance and the family keeps the house. Without insurance, the legal heirs must repay the loan or the lender can sell the property to recover it. Once the loan is closed, PNB Housing returns the original property documents to the legal heirs.

Home Loan EMI Calculation Formulas

Understand the mathematical formulas used to calculate home loan EMI, interest, and principal components.

EMI = [P × r × (1 + r)^n] / [(1 + r)^n - 1]

Example:

₹50,00,000 loan at 8.5% annual rate for 20 years

[50,00,000 × 0.00708 × (1 + 0.00708)^240] / [(1 + 0.00708)^240 - 1]

= ₹43,391

Variables:

P - Principal loan amount

r - Monthly interest rate (Annual rate ÷ 12)

n - Loan tenure in months

Interest = Outstanding Principal × Monthly Rate

Example:

First EMI with ₹50,00,000 outstanding at 0.708% monthly rate

50,00,000 × 0.00708

= ₹35,400

Variables:

Outstanding Principal - Remaining loan balance

Monthly Rate - Monthly interest rate

Principal = EMI - Interest

Example:

First EMI of ₹43,391 with ₹35,400 interest

43,391 - 35,400

= ₹7,991

Variables:

EMI - Monthly EMI amount

Interest - Interest component of EMI

These formulas provide the mathematical foundation for the calculations. Actual results may vary based on rounding, compounding frequency, and specific lender policies.

PNB Housing Finance Limited Home Loan EMI Calculator 2026