Am I eligible for a PNB Housing Roshni Home loan?

Any salaried or self-employed individual aged 21-65 with a stable income source is eligible. We offer customized loan solutions based on income, credit history, property type, co-applicant availability and repayment capacity. If you’re not sure, our experts are here to guide you through your eligibility quickly.

How much loan amount can I get, and how is it decided?

Loan amounts typically range from 70% to 90% of the property’s market value. It’s determined by factors like property type & value, loan type, your Income & repayment capacity and credit score etc. You can quickly estimate your eligibility using our online calculator.

What are the interest rates and tenure options for PNB Housing Roshni Home Loans?

Our Roshni home loan interest rates start from as low as 10.50% per annum, with tenures ranging up to 30 years. Flexible tenure options allow you to choose a repayment period that fits your financial plans.

Can I get a Roshni home loan without an Income tax return or with Cash Income?

Yes, we have options for customers who may not have formal income tax records but have verifiable income sources. Our loan advisors can assist in evaluating your case and suggesting the best loan options in such case.

PNB Housing

Roshni Home Loans

PNB Housing Finance has launched a new affordable home loan scheme – Roshni Home Loans – in line with its long-term vision of
empowering and supporting an individual’s dream of owning a home. PNB Housing Finance Ltd aims to provide newer hopes and
opportunities to customers with Roshni Home Loans. As a result, whether loan applicants are new to credit, self-employed with
informal income from a low/middle income group with a monthly household income as low as INR 10,000, and have serious
intentions to repay, Roshni Home Loans aids them in solving eligibility barriers.

Salient Features and Advantages:

Home Loans ranging from INR 5 lakhs to INR 50 lakhs

Funding up to 90%* of the property’s market value

Attractive rates of interest

Robust service delivery model – door step services ensuring easy and fast approval & disbursal of loans

Pan India branch network with Tier 2 & Tier 3 coverage Pan India branch network with additional Tier 2 & Tier 3 coverage

Minimal formal income documentation

Lower EMIs with up to 30 years of tenure

Tailored eligibility to meet your needs

Trusted and reliable brand with over 35 years of experience

PNB Housing Roshni Home Loan

Apply Now

Roshni Home Loans

Interest Rate

PNBRRR (Retail reference rate) for all New Loans (Housing/ Non Housing) – on boarded after Jun 1, 2023 – 12.85% p.a.

Home Loan interest rate

For Salaried Employees

(Starting from)

9.49%

Home Loan interest rate

For Self-employed

(Starting from)

10.49%

Interest rate

For Loan against property

(Starting from)

11.49%

Roshni Home Loans

Eligibility Criteria

Loans for home purchases are available if you are:

A salaried employee of local and stable business entity. The employer’s company can be a sole proprietorship/partnership/private limited/limited company/trust, among other things.
A self-employed person with informal income from a low/middle income group, with a households earning as low as INR 10,000. This also applicable to combined income when there is a co-applicant.
At the time of loan maturity, you should not be older than 70 years old.

Check your Eligibility

Looking for Something Else?

Contact Us

Apply Online

Use your computer or smartphone from the comfort of your home.

Request a Call

Speak with a Relationship Manager, who will help guide you through your requirement.

SMS PNBHFL

You can also type an SMS stating PNBHFL and send it to 56161

Talk to an Expert

You can connect with a our expert and share your financial requirements to 1800-120-8800

Apply Online

Use your computer or smartphone from the comfort of your home.

Request a Call

Speak with a Relationship Manager, who will help guide you through your requirement.

SMS PNBHFL

You can also type an SMS stating PNBHFL and send it to 56161

Talk to an Expert

You can connect with a our expert and share your financial requirements to 1800-120-8800

Roshni Home Loans

Frequently Asked Questions

How do I know if I’m eligible for Roshni Home Loan?

Roshni Home Loan eligibility is designed to support individuals from low and middle-income groups. Any salaried or self-employed person aged 21–65 years, with a stable income, can apply. Even those with an informal or no prior credit history can qualify for the PNB Housing Roshni Home Loan scheme, making home ownership more accessible.

How much loan amount can I get under Roshni, and how is it decided?

Under the Roshni Home Loan scheme, borrowers can avail of home loans ranging from ₹5 lakhs to ₹50 lakhs, depending on their income level, repayment capacity, and property value. PNB Housing offers up to 90% funding of the property’s market value, ensuring better affordability and flexibility for first-time home buyers under the Roshni Home Loan scheme.

What are the interest rate & tenure options under Roshni Home Loan?

The Roshni Home Loan interest rate starts at 10.50% p.a. for salaried and 11.50% p.a. for self-employed borrowers. The loan tenure can extend up to 30 years, allowing applicants to enjoy more affordable EMIs and improved repayment flexibility.

Can I get Roshni Home Loan without filing ITR / with informal or cash income?

Yes, PNB Housing Roshni Home Loan is designed especially for those with informal or cash income. Even if you don’t file ITR, you can still qualify based on alternative income proofs, such as business records, cash flow, or household earnings. The focus of Roshni Home Loan scheme is to remove eligibility barriers for genuine borrowers.

Can I prepay my Roshni Home Loan, and will there be any charges?

Borrowers can prepay or foreclose their Roshni Home Loan either partially or fully before tenure completion. PNB Housing typically offers minimal or no prepayment charges for loans with floating interest rates, enabling customers to reduce their interest burden and close their loans sooner without extra financial strain.

What processing fees apply for Roshni Home Loan?

The Roshni Home Loan processing fee is competitive and transparent. It is generally charged as a small percentage of the approved loan amount and helps cover administrative and verification costs. Applicants are informed of the exact processing fee upfront during the loan application process.

Which cities / locations is Roshni Home Loan available in?

The Roshni Home Loan is available Pan-India, with a strong presence across Tier 2 and Tier 3 cities. PNB Housing’s widespread branch network and doorstep service model ensure that customers can easily access its benefits.

What are the criteria (documents, income, age) needed to get Roshni Home Loan?

To apply for Roshni Home Loan, applicants must:

Be aged between 21 years (at the time of applying for the loan) and 70 years (at the time of loan maturity).
Have a stable income – salaried or self-employed.
Provide basic KYC and property documents.
Submit minimal income proof, even for informal earnings.

The simplified Roshni home loan eligibility criteria make it easier for low and middle-income families to become homeowners.