Punjab National Bank advertises its home loan from 7.25% a year and its published card runs up to 9.15%. The table below is the same loan at both ends of that range, so you can see what the band is actually worth in rupees a month.
What it costs per month
On ₹50,00,000 over 20 years.
| Rate | EMI | Total interest |
|---|---|---|
| 7.25% | ₹39,519 | ₹44,84,512 |
| 9.15% | ₹45,470 | ₹59,12,747 |
as of 2026-09-17 · Lender rate pages, checked individually
Principal and interest only. The processing fee, GST, documentation and any insurance sold alongside the loan are additional. PNB publishes that processing fee as 0.35% of the loan, with a minimum of ₹2,500 and a cap of ₹15,000.
These two rows are a fixed loan size over a fixed tenure. For your own amount and term, the EMI calculator takes the same inputs, and home loan eligibility covers the FOIR and loan-to-value limits that decide how large a loan you are offered in the first place.
How it compares
Punjab National Bank is joint 5th cheapest of the 12 providers we track, 0.10% above Canara Bank and Union Bank of India at 7.15%, and 0.05% above Bank of Baroda at 7.20%. The rest of the bank’s home loan detail, including the rate card and the fee schedule, sits on the PNB home loan page, and every lender is ranked side by side in home loan interest rates today.
Terms change without notice. Confirm the current figures with Punjab National Bank before you act.
Related reading
PNB Home Loan Fees and Charges
The processing fee Punjab National Bank publishes on a home loan, plus the charges that sit outside it.
17 Sep 2026 · 1 min
PNB Home Loan Interest Rate Today
PNB home loan interest rate starts at 7.25% (CIBIL 800+) and runs to 9.15% floating, linked to an RLLR-plus-premium of 8.10%.
17 Sep 2026 · 4 min