Punjab National Bank Home Loan
Interest rates from 7.5% p.a. (up to 9.75%) · EMI from ₹34,961/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Punjab National Bank home loans
Large PSU lender offering RLLR-linked home loans with PMAY subsidy support.
PNB home loan EMI table (7.5% p.a.)
Monthly EMI at PNB's minimum rate. Tap any amount for the full breakdown.
How much interest will a PNB loan cost?
A ₹50 lakh PNB home loan at 7.5% over 20 years means about ₹46.67 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare PNB with other lenders →
PNB home loan by city
Compare PNB with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| PNB (this page) | 7.5% | ₹40,280 |
| Union Bank | 7.35% | ₹39,822 |
| BoM | 7.35% | ₹39,822 |
| Indian Bank | 7.4% | ₹39,974 |
| SBI | 7.5% | ₹40,280 |
| Kotak | 7.6% | ₹40,586 |
| Godrej HF | 7.6% | ₹40,586 |
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Frequently Asked Questions
What is the Punjab National Bank home loan interest rate in 2026?
Punjab National Bank offers home loans starting at 7.5% p.a., going up to 9.75% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh PNB home loan?
At 7.5% p.a., a ₹50 lakh PNB home loan has an EMI of about ₹40,280 for 20 years — roughly ₹34,961 for 30 years and ₹46,351 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a PNB home loan?
Punjab National Bank's processing fee is Varies, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a PNB home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a PNB home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with Punjab National Bank before applying. NestSaver is an information and planning service, not a lender.