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Zero Hidden Charges
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Exciting CashbacksPunjab National Bank home loan rates start at 7.45% p.a. and go up to 9.35%. Floating rates are linked to the bank's RLLR 8.35%. Effective: RLLR 8.35% w.e.f. 8 Oct 2026; festive rates 1 Oct–31 Dec 2026. The RBI raised the repo rate by 25 bps to 5.50% on 7 October 2026; existing repo-linked loans move at their next reset date.
| Borrower / slab | Interest rate (p.a.) |
|---|---|
| All borrowers | 7.45% – 9.35% |
| CIBIL 800+ (loan above ₹30 lakh, LTV up to 80%) | 7.45% |
| CIBIL 750+ (LTV up to 80%) | 7.50% |
| CIBIL 700–749 (LTV up to 80%) | 8.05% |
| CIBIL 600–699 (LTV up to 80%) | 9.25% |
| CIBIL 750+ (loan up to ₹30 lakh, LTV 80–90%) | 7.60% |
| CIBIL 700–749 (LTV 80–90%) | 8.15% |
| CIBIL 600–699 (LTV 80–90%) | 9.35% |
Source: Punjab National Bank official rate page, checked 26 Oct 2026. The rate you are offered depends on your credit score, loan amount and income type.
| Loan amount | 20 years at 7.45% | 30 years at 7.45% | 20 years at 9.35% |
|---|---|---|---|
| ₹25 lakh | ₹20,063 | ₹17,395 | ₹23,059 |
| ₹50 lakh | ₹40,127 | ₹34,790 | ₹46,118 |
| ₹75 lakh | ₹60,190 | ₹52,185 | ₹69,177 |
| ₹1 crore | ₹80,254 | ₹69,579 | ₹92,236 |
| ₹1.5 crore | ₹1,20,381 | ₹1,04,369 | ₹1,38,354 |
A 0.25% rise adds ₹766 a month to a ₹50 lakh, 20-year loan at 7.45%. Try the Punjab National Bank EMI calculator.
| Item | Value |
|---|---|
| Processing fee | Waived (Ambak panel) |
| Minimum loan amount | ₹5 lakh (Ambak panel) |
| Maximum loan amount | ₹30 crore (Ambak panel) |
| Lender | Interest rate (p.a.) | Effective |
|---|---|---|
| Bank of Baroda | 7.40% – 9.15% | 8 Oct 2026 |
| Canara Bank | 7.40% – 10.25% | 9 Oct 2026 |
| Union Bank of India | 7.40% – 9.60% | 8 Oct 2026 |
| Central Bank of India | 7.45% – 9.00% | 8 Oct 2026 |
| Punjab National Bank | 7.45% – 9.35% | RLLR 8.35% w.e.f. 8 Oct 2026; festive rates 1 Oct–31 Dec 2026 |
| State Bank of India | from 7.50% | 15 Oct 2026 |
| Kotak Mahindra Bank | from 7.60% | — |
| Axis Bank | 8.00% – 9.10% | — |
| HDFC Bank | 8.00% – 13.45% | — |
| ICICI Bank | 8.75% – 9.90% | 8 Oct 2026, valid till 31 Oct 2026 |
All rates from each bank's official rate page, checked 26 Oct 2026.
Zero Hidden ChargesHassle Free and Fast Approval ProcessPersonalized Loan AssistanceExciting Cashbacks
