PNB Housing Finance Home Loan Interest Rate — 16th September 2026
Housing finance company
PNB Housing Finance publishes home loan interest rates from 7.50% to 10.05%. Below is its rate card exactly as it appears on PNB Housing Finance’s own website, what that card says about who gets the best rate, and what the numbers come to as a monthly EMI.
Starting rate
7.50%
Top of published range
10.05%
Benchmark
PNBRRR 13.15%
Effective from
Not published
Read from PNB Housing Finance’s own website on 16 September 2026. Source and method
PNB Housing Finance home loan interest rate card
By CIBIL score (loans up to ₹50 lakh)
| CIBIL score | Salaried | Non-salaried |
|---|---|---|
| 825 and above | 7.75% | 8.00% |
| 800 – 825 | 8.40% | 8.70% |
| 775 – 799 | 8.50% | 8.80% |
| 750 – 775 | 8.60% | 8.90% |
| 725 – 750 | 8.75% | 9.05% |
| 700 – 725 | 9.10% | 9.40% |
| Up to 700 | 9.75% | 10.05% |
| New to credit, score above 170 | 9.55% | 9.85% |
| New to credit, score 170 or below | 9.65% | 9.95% |
| 825 and above — ₹50 lakh to ₹1 crore | 7.60% | 7.85% |
| 825 and above — above ₹1 crore | 7.50% | 7.75% |
Starting rates. PNB Housing publishes separate cards for loans up to ₹50 lakh, ₹50 lakh to ₹1 crore, and above ₹1 crore.
What PNB Housing Finance’s interest rate card tells you
PNB Housing Finance gives a bigger reward for an excellent score than any lender we track. On a loan up to ₹50 lakh, a salaried borrower scoring 825 or more pays 7.75%; drop to 800–825 and it’s 8.40% — 0.65% more for a gap of a few points. Below that the ladder is gentle down to 725, then climbs to 9.75% at 700 and under. PNB Housing also cuts the rate as the loan grows: at 825-plus, 7.60% from ₹50 lakh to ₹1 crore and 7.50% above ₹1 crore. Non-salaried applicants pay 0.25% to 0.30% more throughout.
Ranked by published starting rate, PNB Housing Finance comes joint 19th of 48 — 3rd within the 18 housing finance companies we track. PNB Housing Finance doesn’t price off the RBI repo rate directly: its rates move with its own PNBRRR, so a repo cut reaches its borrowers only if PNB Housing Finance chooses to pass it on. For scale, its starting rate is 2.25 points above the repo rate of 5.25%. On a ₹50 lakh loan over 20 years, the two ends of PNB Housing Finance’s range are ₹7,370 a month apart.
EMI at PNB Housing Finance’s home loan interest rate
Monthly EMI at the starting rate PNB Housing Finance publishes for each loan size — its floor changes with the amount, so each row uses the rate that applies to it.
| Loan amount | Starting rate | 10 years | 15 years | 20 years | 25 years | 20 yrs at 10.05% |
|---|---|---|---|---|---|---|
| ₹35 lakh | 7.75% | ₹42,004 | ₹32,945 | ₹28,733 | ₹26,437 | ₹33,892 |
| ₹50 lakh | 7.75% | ₹60,005 | ₹47,064 | ₹41,047 | ₹37,766 | ₹48,417 |
| ₹70 lakh | 7.60% | ₹83,457 | ₹65,289 | ₹56,820 | ₹52,186 | ₹67,784 |
| ₹1 crore | 7.60% | ₹1,19,224 | ₹93,270 | ₹81,172 | ₹74,551 | ₹96,834 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
PNB Housing Finance against lenders priced nearby
How PNB Housing Finance’s floor compares with the four closest on our list — same ₹50 lakh, 20-year loan throughout, so the EMIs line up.
| Lender | Published rate | EMI, ₹50 lakh / 20 yrs | vs PNB Housing Finance |
|---|---|---|---|
| IDBI Bank Private sector bank | 7.40% – 11.50% | ₹39,974 | −₹1,073/mo |
| Karnataka Bank Private sector bank | 7.48% – 11.80% | ₹40,219 | −₹828/mo |
| PNB Housing Finance Housing finance company | 7.50% – 10.05% | ₹41,047 | — |
| J&K Bank Private sector bank | 7.50% – 8.20% | ₹40,280 | −₹767/mo |
| Kotak Mahindra Bank Private sector bank | 7.60% onwards | ₹40,586 | −₹461/mo |
What moves your rate at PNB Housing Finance
- If your score is in the low 800s, reaching 825 before applying is worth 0.65% at PNB Housing — ₹1,622 a month on ₹40 lakh over 20 years.
- Pull your credit report at least a month before you apply. Errors — a closed loan still showing as open, a card you never took — are common, and correcting one can move you up a band on a grid like this.
- A bigger down payment helps at almost every lender: it lowers the loan-to-value ratio and the loan size at once, and both feed into pricing.
Processing fee and other PNB Housing Finance charges
| Processing fee | 1% of the loan amount applied for, minimum ₹10,000, plus GST — paid in full at application. If the loan isn’t approved, ₹3,000 plus GST per property evaluated is kept. On a ₹50 lakh loan, that comes to ₹50,000, before GST. |
|---|---|
| Prepayment and foreclosure | None on floating-rate loans. Fixed-rate loans: none from your own funds for a property in an individual’s name; 3% if a third party pays. |
| Moving to a lower floating rate | 0.5% of the outstanding plus GST |
| Overdue EMI | 24% a year for the delay |
Source: PNB Housing Finance’s own schedule of charges, read on 16 September 2026: https://www.pnbhousing.com/documents/d/guest/SOC_Prime_V32
Who can get a PNB Housing Finance home loan
| Who can apply | Salaried (private or government) and self-employed individuals. |
|---|---|
| Age | 21 to 70 |
| Longest term | 30 years |
| Minimum income | ₹15,000 a month |
| Loan amount | Up to 90% of the property’s market value |
Source: PNB Housing Finance’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.pnbhousing.com/home-loan
PNB Housing Finance home loan interest rate — common questions
What is PNB Housing Finance’s home loan interest rate today?
What is PNB Housing Finance’s home loan processing fee?
What is the maximum tenure of a PNB Housing Finance home loan?
Does PNB Housing Finance charge more for a lower CIBIL score?
What is the EMI on a ₹50 lakh home loan from PNB Housing Finance?
Is PNB Housing Finance’s home loan interest rate fixed or floating?
How does PNB Housing Finance compare with J&K Bank?
Where these figures come from
Source: PNB Housing Finance’s own interest rate page, read by BankCreds on 16 September 2026: https://www.pnbhousing.com/home-loan/interest-rates
PNB Housing Finance publishes no effective date for this rate, so we don’t show one.
Our record of PNB Housing Finance’s rates starts on 16 September 2026; later changes will appear here when we find them. PNB Housing Finance’s fees and eligibility on this page were read from PNB Housing Finance’s own documents, and each section links to where.
Rates are what PNB Housing Finance publishes, not an offer: the rate you’re quoted is set by PNB Housing Finance after it assesses your application. How we collect and check rates →