PNB Home Loan Fees and Charges

Updated 17 Sep 2026 · Lender rate pages, checked individually

What sits outside the processing fee

Where a fee is quoted exclusive of tax, add 18% GST to get what you actually pay. Legal and technical valuation charges, CERSAI registration and any bundled insurance sit outside the processing fee and are quoted separately at sanction — ask for the full schedule in writing before you sign, not after.

Closing the loan early is the one charge you do not have to accept. The RBI does not allow a foreclosure or prepayment penalty on a floating-rate loan to an individual borrower, and loan foreclosure and charges sets out where that protection starts and stops. The wider set of things a lender cannot do to you is in borrower rights.

How it compares

On price, Punjab National Bank is the joint 5th cheapest of the 12 providers we track for a home loan, 0.10 percentage points above Canara Bank and Union Bank of India at 7.15%. Among the other public sector banks in our set, Canara Bank and Union Bank of India start at 7.15%, Bank of Baroda at 7.20% and State Bank of India at 7.25%. The rate itself, with its range and date, is on the PNB home loan interest rate page, and every lender’s standing figure is on home loan interest rates.

A fee of ₹15,000 is small against the interest on a 20-year loan, so do not let it decide the lender. Price the rate difference first in the EMI calculator; the fee is a rounding error beside a quarter of a point.

Terms change without notice. Confirm the current figures with Punjab National Bank before you act.