Interest Rates

PNBRRR (Retail reference rate) for all New Loans (Housing/ Non Housing) – on boarded after 9th May 2022 – 12.65% p.a.

Customer type Loan interest rate*
Salaried – home loan 10.5% to 14.25%
Self-employed – home loan 11.50% to 14.50%
Loan against property 11.5% to 15%


What is the Home Loan Interest Rate?

Every lender charges you interest on the total principal home loan amount you borrow from them. This interest amount is calculated on the basis of a percentage figure called the home loan interest rate. By entering the home loan interest rate, home loan amount and tenure of the loan in a home loan EMI calculator, you can determine the monthly payable EMI as well as the total interest component for any given home loan amount! At PNB Housing, you get the best home loan rates in the market as long as you meet our easy eligibility criteria.

What is the Present Home Loan Interest Rate?

At any given time, home loan rates all over the country usually hover around a common figure depending on the market and other factors. The home loan interest rate at PNB HOUSING today stands at 8.75%* p.a. onwards. However, this is not the final rate of interest. What you avail at the end of the day depends upon a host of variables such as income, loan amount, type of interest rate, credit score, type of home loan, etc.

What is the Minimum Interest Rate Applicable on a Housing Loan?

The minimum home loan interest rate applicable to you is often subject to market conditions and other factors such as the applicant’s income, type of employment, credit score, home loan amount, type of interest opted for, etc. Hence, it changes from lender to lender and applicant to applicant.