PNB Home Loan in Bangalore
Interest rates from 8.45% p.a. · EMI from ₹45,922/month for a ₹60L loan over 30 years. Updated for 2026.
Quick EMI Estimate
Based on the average loan amount in Bangalore (₹60 lakh) at PNB's minimum rate of 8.45% p.a.
Why choose Punjab National Bank for a home loan in Bangalore?
Public-sector reliability with competitive rates and Pradhan Mantri Awas Yojana (PMAY) subsidy support.
Bangalore's IT corridors drive housing demand. East and North zones offer the best appreciation prospects. Most tech professionals opt for 20-year tenures.
Popular Bangalore localities for home buyers
Bangalore's most active home-buying corridors are concentrated in these areas, where PNB customers are typically funding 70–90% of property value:
Average property price (2BHK): ₹85 lakh · Per-sqft rate: ₹8,500
How much will you save by prepaying?
A ₹60 lakh PNB home loan at 8.45% over 20 years means you pay roughly ₹64,51,200 in interest alone — almost as much as the principal itself.
A modest ₹10,000/month prepayment can shave 6–8 years off your tenure and save ₹15–25 lakh in interest. The NestSaver prepayment simulator shows you exactly how much, in seconds.
Run prepayment simulation →Compare top home loan offers in Bangalore →
Frequently Asked Questions
What is the PNB home loan interest rate in Bangalore?
Punjab National Bank offers home loans in Bangalore starting at 8.45% p.a., going up to 10.25% p.a. depending on your CIBIL score, loan amount, and employment profile. The processing fee is 0.35% + GST.
What is the EMI for a ₹60 lakh PNB home loan in Bangalore?
For a ₹60 lakh loan from Punjab National Bank at 8.45% interest, the EMI is approximately ₹51,880 for 20 years, ₹48,112 for 25 years, and ₹45,922 for 30 years. Use the NestSaver calculator above for exact figures based on your loan amount and tenure.
How much home loan can I get from PNB in Bangalore?
Punjab National Bank typically finances up to 90% of the property value as a home loan in Bangalore, subject to a maximum tenure of 30 years. Your eligibility depends on your monthly income, existing EMIs, and credit score (typically 750+ for the best rates).
What documents are required for PNB home loan in Bangalore?
You will need identity proof (Aadhaar/PAN), address proof, last 3 months' salary slips, last 6 months' bank statements, Form 16 or ITR for 2 years, and property documents (sale agreement, NOC from builder/society, approved plan). Self-employed applicants need GST returns and business proof.
Is prepayment allowed on a PNB home loan?
Yes. Under RBI guidelines, Punjab National Bank cannot charge any prepayment penalty on floating-rate home loans. You can make partial or full prepayments at any time to reduce your interest burden. Use the NestSaver prepayment simulator to see exactly how much you can save.
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