Home Loan Interest rate

FLOATING RATE

For loan amount up to INR 35 lakhs, with effect from 26th Dec’20 :

Credit Score Salaried / Self – employed professional (SEP) Self – employed non – professional (SENP)
less than zero 8.55% – 9.05% 8.85% – 9.35%
upto 650 8.55% – 9.05% 8.85% – 9.35%
> 650 to < 700 8.35% – 8.85% 8.60% – 9.10%
> 700 to < 750 7.95% – 8.45% 8.35% – 8.85%
> 750 to < 800 7.55% – 8.05% 7.65% – 8.15%
>= 800 7.35% – 7.85% 7.55% – 8.05%

For loan amount greater than INR 35 lakhs

Credit Score Salaried / Self – employed professional (SEP) Self – employed non – professional (SENP)
less than zero 8.75% – 9.25% 9.05% – 9.55%
upto 650 8.75% – 9.25% 9.05% – 9.55%
> 650 to < 700 8.55% – 9.05% 8.80% – 9.30%
> 700 to < 750 8.05% – 8.55% 8.55% – 9.05%
> 750 to < 800 7.85% – 8.35% 7.95% – 8.45%
>= 800 7.70% – 8.20% 7.90% – 8.40%

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

PNB Housing offers floating rate of interest, linked to its benchmark rate PNBHFR:

PNBHFR for existing customers (loan disbursed) before 1st March 2017: 14.57% p.a.

 

PNBHFR Series 0 for existing customers (loan disbursed) between  1st March 2017 – 30th June 2018 is as follows:

  • PNBHFR Home Loan – Salaried/Self-Employed Professional : 9.35% p.a.
  • PNBHFR Home Loan – Businessmen/Self Employed Non Professional: 9.40% p.a.

 

PNBHFR Series 1 for new customers (loan disbursed) acquired on and after 1stJuly 2018 is as follows:

  • PNBHFR Home Loan – Salaried/Self-Employed Professional : 9.25% p.a.
  • PNBHFR Home Loan – Businessmen/Self-Employed Non-Professional: 9.40% p.a.

 

PNBHFR Series 2 for new customers (loan disbursed) acquired on and after 06th March 2019 is as follows:

  • PNBHFR Home Loan – Salaried/Self-Employed Professional : 9.14% p.a.
  • PNBHFR Home Loan – Businessmen/Self Employed Non Professional: 9.20% p.a.

 

PNBHFR Series 3 for new customers (loan disbursed) acquired on and after 01st June 2019 is as follows:

  • PNBHFR Home Loan – Salaried/Self-Employed Professional : 8.75% p.a.
  • PNBHFR Home Loan – Businessmen/Self Employed Non Professional: 8.80% p.a.

 

PNBHFR Series 4 for new customers (loan disbursed) acquired on and after 16th March 2020 is as follows:

  • PNBHFR Home Loan – Salaried/Self-Employed Professional : 8.40% p.a.
  • PNBHFR Home Loan – Businessmen/Self Employed Non Professional: 8.45% p.a.

 

PNBHFR Base Rate 2020 for new customers (loan disbursed) acquired on and after 25th September 2020 is as follows:

  • PNBHFR Home Loan – Salaried/Self-Employed Professional : 10% p.a.
  • PNBHFR Home Loan – Businessmen/Self Employed Non Professional: 10.50% p.a.

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