Note: The below mentioned Interest rates and Floating Rates

Credit Score* (Any loan amount) Up to 50 Lakhs (Starting from) Above 50 Lakhs to 1 Crore (Starting from) Above 1 Crore (Starting from)
NTC Cibil ≤ 170 10.95% 10.85% 10.75%
NTC Cibil > 170 10.85% 10.75% 10.65%
Up to 650 11.05% 10.95% 10.85%
> 650 to ≤ 700 11.05% 10.95% 10.85%
> 700 to ≤ 725 10.40% 10.30% 10.20%
> 725 to ≤ 750 10.05% 9.95% 9.85%
> 750 to ≤ 775 9.90% 9.80% 9.70%
> 775 to 799 9.80% 9.70% 9.60%
≥ 800 to 825 9.70% 9.60% 9.50%
≥ 825 9.00% 8.85% 8.75%
Fixed Rate for Non-Home Loan – 15.25%

For NHL Fixed or Fixed + Floating rates

a. Lifetime Fixed: This plan ensures a fixed rate for the loan tenure.

b. Three-Year Fixed, then Floating: This plan offers a fixed rate for the first three years, after which it will be converted to a floating rate as per the sanction norms.

 All terms are subject to applicable regulations and internal guidelines.

*Special property is defined as Educational Institutes/Hotels/Schools/Hospitals/Industrial sheds.
*Rates of interest are subject to change at the sole discretion of PNB Housing.
**NTC: New to credit
PNBRRR & Previous PNBHFR