🇮🇳 India

PNB Housing Finance Last updated2026-05-28

PNB Housing Finance EMI Calculator 2026 rates.

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Quick answer

PNB Housing Finance home loan rate starts at 8.75% (typical 9.25%) as of 2026. A ₹50 lakh loan at 9.25% over 20 years = an EMI of approximately ₹45,793/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

PNB Housing Finance loan rates (May 2026)

🏠 Home Loan

8.75–14%

typical: 9.25% p.a.

💵 Personal Loan

12–18%

typical: 13.5% p.a.

🚗 Car Loan

9.5–13%

typical: 10.5% p.a.

💳 Processing Fee

0.35-1.0% of loan amount (min ₹10,000) for home loans. Higher for self-employed and Unnati affordable-segment loans (up to 1.5%).

🔁 Prepayment

Zero prepayment charges on floating-rate individual home loans. Fixed-rate loans attract 2% on outstanding principal if prepaid from non-own-source funds.

About PNB Housing Finance

Why choose PNB Housing Finance?

PNB Housing Finance, promoted by Punjab National Bank (which retains ~28% stake post-dilution), was incorporated in 1988 and is among India's top-5 HFCs with an AUM of approximately ₹65,000 crore as of FY26. After Carlyle Group exited its stake in 2023, the company has been led by MD & CEO Girish Kousgi (since 2022) with a strategy pivot toward self-employed and affordable housing segments under the "Roshni" affordable vertical and "Unnati" mass-affluent vertical. PNBHFL operates through 300+ branches across 20 states, with strongest penetration in North and West India.

🎯 Unique angle

PNB Housing Finance is the only large HFC actively rebuilding its self-employed underwriting muscle after the 2018-2021 NBFC crisis, with a credit-scoring model designed for non-salaried mass-affluent borrowers that traditional banks reject. The "Roshni" vertical pushes ticket sizes as low as ₹8 lakh into Tier-3 markets.

Product highlights

✓ Unnati Home Loan — for self-employed and mass-affluent
✓ Roshni Affordable Home Loan — ticket sizes ₹5-50 lakh in Tier-3 markets
✓ Plot + Construction Composite Loan
✓ Home Loan Balance Transfer with Top-up
✓ Non-Resident Indian (NRI) Home Loan

❓ PNB Housing Finance FAQ

Common questions.

What makes PNB Housing Finance different from PNB the bank?

PNB Housing is a separately listed HFC where Punjab National Bank holds ~28% as the promoter — it is not a division of the bank. PNBHFL is regulated by RBI/NHB as a housing finance company, has its own board and management, and prices loans 25-75 bps above PNB the bank. The advantage is faster sanctions, longer tenure (up to 30 years), and willingness to underwrite self-employed and informal-income borrowers that PNB the bank may decline.

Who should choose PNB Housing Finance over a regular bank?

Self-employed professionals, small business owners, and mass-affluent borrowers in Tier-2/3 cities who need ₹20 lakh-₹2 crore home loans and have non-standard income documentation are PNBHFL's sweet spot. The Roshni vertical also serves first-time affordable-housing borrowers with ticket sizes as low as ₹5 lakh.

Is PNB Housing Finance financially safe after the Carlyle exit?

Yes — PNBHFL completed a ₹2,500 crore rights issue in 2023 that fully recapitalized its balance sheet, brought GNPA below 1.5%, and earned a credit rating upgrade. It carries AA+ ratings from CRISIL, CARE, and ICRA, has PNB (a PSU bank) as its anchor shareholder, and is regulated by RBI. The Carlyle exit was a private-equity lifecycle event, not a distress sale.

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