PNB Home Loan is an option for too many dreamers who have dream to buy a home but stuck in financial problems. PNB (Punjab National Bank) offers to many attractive PNB Home Loan options to make their dreams in reality. If you are first time home buyer or looking for invest in the property then, understand the whole article; it includes PNB Home Loan Interest Rate, PNB Home Loan Calculator, repayment options as well as eligibility criteria, key features and much more.
Introduction
PNB Home Loan is refers to the housing finance which is offered by Punjab National Bank to an individuals for make their own properties. which is helpful for constructing a new home, renovating an existing property or purchasing new one also. PNB offers different home loan schemes with different features including their interest rate according to the customers need.
PNB Home Loan Interest Rate (2025 Update)
In the PNB Home Loan one of the most important factor is PNB Home Loan interest rate while choosing a home loan. PNB offers different competitive rates to the different borrowers. Here you can see the differentiate.
| Loan Type | Interest Rate (p.a.) |
|---|---|
| Salaried Individuals | 8.40% – 10.25% |
| Self-Employed | 8.65% – 10.75% |
| Women Borrowers | 8.30% – 10.20% (Special discount) |
Note: This is for the informational purposes. Rates may be change or update by RBI on their guidelines as well as market conditions.
Factors Affecting PNB Home Loan Interest Rate in 2025
- Loan Tenure: One of the feature which is affected to the interest rate is Loan tenure, if you have shorter tenures then rates may be lower.
- Credit Score: In the interest rate credit score also affects. If you have a 750+ CIBIL score then it ensures best rates.
- Property Location: So, property location also affects to the interest rate like; Metro cities may have different rates then tier 2/3 cities.
- RBI Repo Rate Changes: Basically Interest rates are linked to the RBI’s Repo Rate.
PNB Home Loan EMI Calculator | PNB Home Loan Calculator
For the financial planning calculation of EMI (Equated Monthly Installment) is essential. While, at that time PNB Home Loan EMI Calculator is helpful for estimate monthly payments based on; Loan amount, Interest Rate as well as Loan tenure.
How to use PNB Home Loan EMI Calculator in 2025?
The 1st step is Enter Loan Amount: Here, you have to enter the total amount whatever you want to borrow. The upper line is Rs.15 Cr (Up to Rs.15 Cr).
The 2nd Step is Input Interest Rate: Here, you have to check PNB’s latest rates. (As above table)
The 3rd step is Select Tenure: Here, you have to select the time period of the loan you want to borrow. So, choose it between 5 to 30 years.
Here is the formula for calculating EMI:
EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
Here is the example with assumed amount.
- Loan Amount= Rs.50,00,000/-
- Interest Rate= 9% p.a.
- Tenure= 20 years
so, EMI= Rs.44986/- (Approx)
PNB Home Loan Calculator for Repayment Planning (2025)
There is an option for the EMI, the PNB Home Loan Calculator will be helpful for the planning in repayment of the home loan. In that how much interest an applicable have to pay, what will their savings as well as they can fix a schedule for the repayment.
- Total Interest Payable
- Prepayment Savings
- Amortization Schedule
Here we are going to understand this with an example:
An applicant wants to take ₹75 lakhs loan at 8.50% for 20 years.
| Parameter | Value |
|---|---|
| Monthly EMI | ₹65,118 |
| Total Interest | ₹81.28 lakhs |
| Total Payment | ₹1.56 crores |
| 5-Year Interest | ₹29.87 lakhs |
Here, we can see that with 2 prepayments of Rs.5 lakhs each;
- Loan reduces up to 18 years and 4 months while;
- Interest savings: Rs.9.72 Lakhs.
Key Features of PNB Home Loan
PNB offers one of the most consumer friendly home loans in India. Below we are going to discuss the key feature’s comprehensive analysis. It will helpful for those are wanted to take home loan.
Fast & Digital Loan Processing:
A. AI-Powered Approvals
- Check Instant eligibility via CIBIL-based algorithms and
- E-KYC & paperless processing (Aadhaar/ PAN linked)
B. Disbursement in 72 Hours*
(Disbursement in 72 hours For complete documentation & pre-approved customers)
Low Processing Fee (0.35% of Loan Amount)
- Minimum: ₹2,500
- Maximum: ₹15,000 (plus GST)
- Waivers: Often offered during festive schemes
[Compared to private banks (0.5% – 1%), PNB’s fees are economical.]
Minimal Prepayment Charges
- Floating-rate loans: Zero prepayment penalty (RBI mandate)
- Fixed-rate loans: 2% penalty (if repaid before lock-in period)
Saves lakhs in interest with part-prepayments.
24/7 Customer Support
- Chat bot assistance (Whats App/PNB website)
- Dedicated relationship manager
Long Repayment Tenure (Up to 35 Years)
- Minimum tenure: 3 years
- Maximum tenure: 35 years
- Flexible EMI options: Step-up/step-down EMIs
Advantage: Longer tenure = Lower EMI burden (e.g., Rs.50 lakhs loan at 9% for 30 years = ₹40,231 EMI vs. 20 years = ₹44,986 EMI).
Here is the official website URL; through this you can visit and see the whole features of PNB Home Loan and related queries.
How to Apply for a PNB Home Loan in 2025?
First of all, you just need to check eligibility criteria for Applying a PNB Home loan. After that your income as well as CIBIL scores of your also important before applying.
- Age: The age of the applicant must between 21 to 75 years.
- Income: If you are a salaried person then, your salary should Rs. 30,000/- per month. or if you are a business or self employed then your income must be; Rs.3 lakhs per year.
- CIBIL Score: Your CIBIL Score must have 700+.
In the New Digital process you just need an application in the mobile process for the apply in the loan.
- At first, you just need to download and install the PNB’s Mobile App. (PNB One)
- after that you need to fill the application form for the Loan process.
- After submitting application form, you have to submit the documents whatever they wanted for their reference. It may be Identity proof, address proof, income proof or if any property applicable then property documents.
- Once verify the documents then you have to do E-sign Agreement for the loan for further process.
- Here, in the digital process you can get instant approval for the home loan.
Conclusion
PNB Home Loan is still a top choice for many more peoples. the reason behind this is PNB Home Loan Interest is comparable to other is safe and easy to use and understand. While, PNB Home Loan Calculator also helps to find the solution regarding prepayment as well as EMI’s as well as in the digital era it provides instant approval to the applicant.
Watch Out the Video for the detailed Information: Click Here or
https://www.youtube.com/watch?v=2N-feLj-Yt8
Click Here for another article; about the Tata Neu Credit Card.
FAQ
What is the longest repayment tenure available?
You can choose a tenure of up to 35 years, depending on:
Your age at loan maturity (max 75 years)
Income stability
Are there prepayment charges?
Floating-rate loans: No penalty
Fixed-rate loans: 2% if prepaid during lock-in period
How long does approval take?
Pre-approved customers: 72 hours
Regular applications: 5-7 working days
What is the processing fee?
0.35% of loan amount (min ₹2,500, max ₹15,000 + GST)
