PNB Home Loan @ 0.00% p.a.

Get your dream home with one of India's most trusted public sector banks. Quick approval, minimal documentation, and attractive interest rates.

12M+
Happy Customers
4.6 ★
Customer Rating
25+
Years Experience

Apply for PNB Loan

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Get approval within 48 hours
0.00%
Interest Rate (p.a.)
₹0
Processing Fee
20 yrs
Max Tenure
₹3L - 5Cr+
Loan Amount
650+
CIBIL Score
7-10 days
Disbursement

PNB Special Home Loan Schemes

PNB Saver Home Loan

Lowest Interest Rate

0.00% p.a.

PNB Max Saver

Overdraft Facility

-0.05% p.a.

PNB Privilege Home Loan

For Govt Employees

-0.1% p.a.

PNB NRI Home Loan

Special for NRIs

0.1% p.a.
🏦 0% Processing Fee for Women & Senior Citizens
🎯 Special Rates for Defence Personnel & Paramilitary
⭐ Free CIBIL Score Check with Detailed Report
📱 Paperless Application Process
🚀 Quick Disbursement for Ready Possession
💎 PNB Pre-Approved Home Loan Offer

About PNB Home Loan

Punjab National Bank (PNB), one of India's leading public sector banks, offers home loans at competitive interest rates starting from 0.00% p.a. With over 12 million satisfied customers, PNB home loans come with flexible repayment options, minimal documentation, and quick approval process. PNB also offers special schemes for women, senior citizens, and government employees.

Key Features & Benefits

Competitive Interest Rates among PSU Banks
Quick Approval & Disbursement
Flexible Repayment Tenure up to 20 Years
Zero Prepayment Charges on Floating Rates
Doorstep Document Collection
Special Concession for Women Applicants

PNB Home Loan Eligibility

Age: 21 - 65 years
Employment: Salaried / Self-employed / Business
Min Income: ₹25,000/month (Salaried)
Work Exp: 2+ years (Salaried)
CIBIL Score: 650+ (750+ for best rates)
Property Age: Up to 50 years

Documents Required for PNB Home Loan

📄 Identity Proof: Aadhaar Card, PAN Card, Voter ID, Passport
🏠 Address Proof: Aadhaar Card, Utility Bill (last 3 months), Rent Agreement
💰 Income Proof (Salaried): Salary Slips (last 3 months), Form 16, Bank Statement (last 6 months)
💰 Income Proof (Self-employed): ITR (last 2 years), Audited Balance Sheet, Profit & Loss Statement
🏦 Property Documents: Title Deed, Sale Agreement, NOC from Builder, Property Tax Receipts
📸 Others: 2 Passport Size Photographs, Loan Application Form

PNB Home Loan Charges Breakdown

Processing Fee
₹0 + GST
CERSAI Charges
₹100 + GST
Legal & Technical Valuation
₹2,500 - ₹7,500
Stamp Duty & Registration
As per state govt
Administrative Charges
₹500 - ₹1,000
Prepayment Charges
Zero on floating rate loans
Late Payment Penalty
2% per month on overdue amount
NOC / Closing Charges
₹500 - ₹1,000

PNB Home Loan Process (Login to Disbursement)

Step 1: Online Registration

Visit PNB official website or BankerMart to apply online

⏱️ 5-10 minutes

Step 2: Document Upload

Upload KYC, income proof, and property documents

⏱️ 15-20 minutes

Step 3: Verification & CIBIL Check

Bank verifies documents and checks CIBIL score

⏱️ 2-3 days

Step 4: Property Valuation

PNB's empanelled valuer inspects the property

⏱️ 2-3 days

Step 5: Loan Sanction

Loan gets approved and sanction letter issued

⏱️ 3-5 days

Step 6: Loan Disbursement

Amount credited to builder/seller account

⏱️ 2-7 days after agreement

PNB Home Loan Pros & Cons

Pros / Advantages

  • ✅ Competitive interest rates among PSU banks
  • ✅ Large branch network across India
  • ✅ Special schemes for women & senior citizens
  • ✅ Zero prepayment charges on floating rate
  • ✅ PNB Max Saver overdraft facility
  • ✅ Balance transfer facility available

Cons / Disadvantages

  • ❌ Processing time may be longer in some branches
  • ❌ Strict documentation requirements
  • ❌ Higher processing fee for low CIBIL scores
  • ❌ Branch dependency for certain services

PNB Home Loan Interest Rates (2026)

Loan AmountInterest Rate (p.a.)
Up to ₹30 Lakh0.00% - 0.25%
₹30 Lakh - ₹75 Lakh0.15% - 0.4%
Above ₹75 Lakh0.3% - 0.6%

*Additional 0.05% concession for women applicants and senior citizens

Frequently Asked Questions - PNB Home Loan

What is the current interest rate for PNB home loan?

PNB home loan interest rates currently start from 0.00% p.a. for loan amounts up to ₹30 lakh.

What is the maximum loan amount I can get from PNB?

PNB offers home loans up to ₹5 Crore based on your income, property value, and repayment capacity.

What is PNB Max Saver home loan?

PNB Max Saver is an overdraft facility linked to home loan. You can deposit surplus funds and reduce interest burden.

Does PNB offer home loan subsidy under PMAY?

Yes, PNB offers CLSS under PMAY. Eligible beneficiaries can get up to ₹2.67 lakh interest subsidy.

Is there any prepayment penalty on PNB home loan?

No, RBI has prohibited prepayment penalties on floating rate home loans.

Can I transfer my existing home loan to PNB?

Yes, PNB offers home loan balance transfer facility with better interest rates.