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Punjab National Bank home loan interest rate

The advertised floor, the published ceiling, and what decides where you land between them.

The rate

Advertised ratePublished ceilingTermsProcessing fee
7.20%9.45%Repo-linked (RLLR)0.35%, max ₹15,000

Data as of 15 Aug 2026Source: Lender rate cards and published comparisons, August 2026Pending issuer verification

Punjab National Bank advertises from 7.20% and publishes a ceiling of 9.45% for this product — a spread of 2.25%. Where you land is set by your credit band, loan-to-value and income profile, not by negotiation.

How it compares

2nd cheapest of the 12 providers we track, 0.00% above Bank of Baroda at 7.20%.

All home loan rates →All Punjab National Bank home loan detail →

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