Lenders3 min read · Updated 17 October 2026
PNB home loan interest rate: range, fees and how to get the lowest
PNB home loan rates 7.45% to 9.85%, with the fees we found, what the range costs on a ₹50 lakh loan and how to get a rate near the bottom of it.
PNB home loan rate and fee
Here is what we found for PNB. The figures come from the lender's own page. They are starting points, not offers.
| PNB | Listed figure |
|---|---|
| Home loan interest rate | 7.45% to 9.85% |
| Processing fee | 0.35% (₹2,500–₹15,000) |
| Lender type | Government banks |
| Source | The lender's own rate page |
| Checked on | 17 October 2026 |
Festival offer, 1 Oct to 31 Dec 2026. The 7.45% start needs a loan above ₹30 lakh, loan-to-value up to 80% and a CIBIL score of 800 or more.
Other options listed
- Fixed option up to 11.35%
What the range means for a ₹50 lakh loan
On ₹50 lakh over 20 years, the EMI at 7.45% is about ₹40,127, and total interest is about ₹46,30,464. At 9.85% the EMI is about ₹47,755 and total interest about ₹64,61,255, which is ₹18,30,792 more. Every extra 1 point of rate adds about ₹7,45,471 of interest. Try your own loan in the EMI calculator.
How to get a lower rate at PNB
- Know your credit score first. A score of 750 or more usually gets you the lowest part of the range. See what score gets the best rate.
- Ask for the rate in writing with the rate type, the spread over the benchmark and the reset date.
- Compare the processing fee as well as the rate. A lower rate with a high fee can cost more over a short stay.
- Ask for a lower rate after you take the loan. If your credit profile improves, a letter to your lender can work. See how to reduce your interest.
Other lenders to compare with PNB
These lenders list the lowest starting rates in our table today. This is a starting list for comparison, not a ranking of who is best for you.
- Bank of Baroda: 7.20% to 8.95%
- Bank of Maharashtra: 7.25% to 9.90%
- Bank of India: 7.35% to 10.25%
See all lenders in Home loan rates by lender, then check your own case in Am I overpaying?. If you already have a loan, read when a balance transfer is worth it.
Common questions
What is the PNB home loan interest rate?
PNB lists 7.45% to 9.85% as of 17 October 2026. The rate you get depends on your credit score, income, loan amount and property.
What is the PNB processing fee on a home loan?
We found: 0.35% (₹2,500–₹15,000). Check the current fee on the lender's page and in your Key Fact Statement, because fees change and offers vary.
Can I move my home loan to PNB?
Yes, through a balance transfer. Floating-rate home loans to individuals have no prepayment charge, so the main costs are the new lender's processing fee and legal fees. Count them before you move.
Why is the rate I was offered different from the advertised one?
The advertised rate is usually the lowest rate for the best credit profile. Your rate depends on your score, income, loan size and property, so it is often higher.