Punjab National Bank Home Loan: Rates, Eligibility & Fees 2026
Punjab National Bank offers home loans to buy, build or renovate a home. Butter Money compares Punjab National Bank's offer with similar lenders for your profile and handles the paperwork with you until disbursal.
Interest Rate
7.20%
p.a. onwards
Processing Fee
₹5,000
+ GST
Max Tenure
30 Years
Max LTV
Up to 75%
Rates updated 11 Aug 2026 from Butter's lender rate data · Punjab National Bank's official rates
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What stands out with Punjab National Bank
- Home loan overdraft option to park surplus funds and save interest
- Repayment holiday (moratorium) available on under-construction homes
- Tenure up to 30 years
Punjab National Bank home loan at a glance
| Lender type | Public sector bank |
| Starting rate | 7.20% p.a. onwards |
| Products | Home loan, Plot, Construction, Balance transfer, Overdraft home loan |
| Funding (LTV) | Up to 75% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
Punjab National Bank Interest Rates, August 2026
By product, CIBIL score & applicant type
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 7.25% onwards | 7.25% onwards |
| 800 and above | 7.20% onwards | 7.20% onwards |
| 750–799 | 7.25% onwards | 7.25% onwards |
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 7.40% onwards | 7.40% onwards |
| 800 and above | 7.35% onwards | 7.35% onwards |
| 750–799 | 7.40% onwards | 7.40% onwards |
Starting rates for each CIBIL band. Your final rate also depends on the loan amount, property and profile. Updated 11 Aug 2026.
Fees & Charges
Punjab National Bank vs Similar Lenders
Public sector banks with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Punjab National Bank (this page) | Public sector bank | 7.20% onwards |
| Canara Bank | Public sector bank | 7.20% onwards |
| Central Bank of India | Public sector bank | 7.20% onwards |
| Bank of Maharashtra | Public sector bank | 7.25% onwards |
Punjab National Bank Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at Punjab National Bank's rates.
Illustrative calculation based on the selected rate. The rate defaults to 7.2% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Punjab National Bank home loan over 20 years at 7.20% costs ₹39,367 a month, or ₹44,48,192 in total interest. Every 0.25% higher adds about ₹759 a month.
Punjab National Bank Home Loan FAQs
What is the Punjab National Bank home loan interest rate?
Punjab National Bank home loan rates start at 7.20% p.a. for the strongest credit profiles and rise for lower CIBIL scores. Your final rate also depends on the loan amount, property and income.
Can I prepay my Punjab National Bank home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Punjab National Bank to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Punjab National Bank fund?
Punjab National Bank funds up to 75% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
Rates updated 11 Aug 2026 from Butter's lender rate data. Final terms are set by Punjab National Bank at sanction. Source: Punjab National Bank.