PNB Housing Finance Home Loan
Interest rates from 8.5% p.a. (up to 11.15%) · EMI from ₹38,446/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About PNB Housing Finance home loans
PNBHFR-linked rates with a 'PNB Pride' scheme for government employees.
PNB Housing home loan EMI table (8.5% p.a.)
Monthly EMI at PNB Housing's minimum rate. Tap any amount for the full breakdown.
How much interest will a PNB Housing loan cost?
A ₹50 lakh PNB Housing home loan at 8.5% over 20 years means about ₹54.14 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 Housing with other lenders →
PNB Housing home loan by city
Compare PNB Housing with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| PNB Housing (this page) | 8.5% | ₹43,391 |
| Bandhan | 8.4% | ₹43,075 |
| ESAF SFB | 8.4% | ₹43,075 |
| KVB | 8.5% | ₹43,391 |
| LIC HFL | 8.5% | ₹43,391 |
| Tata Capital | 8.5% | ₹43,391 |
| Sundaram Home | 8.6% | ₹43,708 |
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Frequently Asked Questions
What is the PNB Housing Finance home loan interest rate in 2026?
PNB Housing Finance offers home loans starting at 8.5% p.a., going up to 11.15% 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 Housing home loan?
At 8.5% p.a., a ₹50 lakh PNB Housing home loan has an EMI of about ₹43,391 for 20 years — roughly ₹38,446 for 30 years and ₹49,237 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a PNB Housing home loan?
PNB Housing Finance's processing fee is Up to 1% + GST, 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 Housing home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a PNB Housing 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 PNB Housing Finance before applying. NestSaver is an information and planning service, not a lender.