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Punjab National Bank Home Loan Interest Rate November 2026

Punjab National Bank advertises home loan rates starting from 7.45% per annum. For ₹50 lakh over 20 years that is an EMI of about ₹40,127 a month.

Starting rate7.45%per annum

EMI per month₹40,127₹50 lakh, 20 years

Total interest₹46,30,464over the full term

Max tenuren/aas stated by the bank

Source: Punjab National Bank official page, checked on November 2026 (2026-11-01).

Starting interest rate	7.45% per annum
Applies to	CIBIL score 800+ and loan-to-value up to 80%; festive campaign rate valid 01.10.2026 to 31.12.2026
Effective from	2026-10-01
Processing fee	Not stated on the page we checked
Prepayment	Not stated on the page we checked
Maximum tenure	Not stated on the page we checked

These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.

Loan amount (₹)

Interest rate (% p.a.)

Tenure (years)

Prepayment options (optional): pay extra to finish sooner

Extra payment every month (₹)

Extra lump sum every year (₹)

One-time lump sum (₹)

Paid with instalment number

EMI for popular amounts

₹20 lakh for 15 years ₹20 lakh for 20 years ₹20 lakh for 25 years ₹30 lakh for 15 years ₹30 lakh for 20 years ₹30 lakh for 25 years ₹50 lakh for 15 years ₹50 lakh for 20 years ₹50 lakh for 25 years ₹75 lakh for 15 years ₹75 lakh for 20 years ₹75 lakh for 25 years ₹1 crore for 15 years ₹1 crore for 20 years ₹1 crore for 25 years

Compare Punjab National Bank with other banks

PNB vs Bank of Maharashtra PNB vs Indian Bank PNB vs Canara Bank PNB vs Central Bank PNB vs SBI PNB vs Federal Bank PNB vs Kotak PNB vs IDFC FIRST PNB vs Axis Bank PNB vs ICICI Bank PNB vs HDFC Bank

Home loan calculators

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Frequently asked questions

What is the Punjab National Bank home loan interest rate?

Punjab National Bank's website advertises home loan rates starting from 7.45% per annum (checked 2026-11-01). The rate you get depends on your credit score, income and loan amount.

What is the EMI on a ₹50 lakh home loan from Punjab National Bank?

At the starting rate of 7.45% over 20 years the EMI is about ₹40,127 a month, with total interest of about ₹46,30,464. A higher personal rate would raise this.

What is the processing fee for a Punjab National Bank home loan?

The Punjab National Bank page we checked did not state a processing fee. Please confirm it with the bank's fee schedule before applying.

Does Punjab National Bank charge prepayment charges on a home loan?

The page we checked did not state prepayment terms. Please confirm with the bank.