HOME IMPROVEMENT LOAN INTEREST RATE

FLOATING RATE

*Note: PNB Housing offers all home loans at floating interest rates.
*Below rates are applicable from 20th June’22

For loan amount up to INR 35 lakhs

Credit Score Salaried / Self – employed professional (SEP) Self – employed non – professional (SENP)
>= 800 7.50% to 8.00% 7.60% to 8.10%
>775 to 799 7.55% to 8.05% 7.75% to 8.25%
>750 to <=775 7.70% to 8.20% 7.90% to 8.40%
> 725 to <=750 8.00% to 8.50% 8.35% to 8.85%
> 700 to <=725 8.30% to 8.80% 8.65% to 9.15%
> 650 to <=700 9.40% to 9.90% 9.75% to 10.25%
upto 650 9.60% to 10.10% 9.95% to 10.45%
NTC** Cibil >170 9.65% to 10.15% 9.95% to 10.45%
NTC** Cibil <=170 8.95% to 9.45% 9.30% to 9.80%

For loan amount greater than INR 35 lakhs

Credit Score Salaried / Self – employed professional (SEP) Self – employed non – professional (SENP)
>= 800 7.60% to 8.10% 7.85% to 8.35%
>775 to 799 7.65% to 8.15% 7.90% to 8.40%
>750 to <=775 7.80% to 8.30% 8.25% to 8.75%
> 725 to <=750 8.15% to 8.65% 8.40% to 8.90%
> 700 to <=725 8.50% to 9.00% 8.85% to 9.35%
> 650 to <=700 9.60% to 10.10% 9.95% to 10.45%
upto 650 9.80% to 10.30% 10.15% to 10.65%
NTC** Cibil >170 9.85% to 10.35% 10.20% to 10.70%
NTC** Cibil <=170 9.15% to 9.65% 9.50% to 10.00%

*Rates of interest are subject to change at the sole discretion of PNB Housing.

**NTC: New to credit

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