Punjab National Bank Home Loan

1. CAC- HL & BT SEGMENT, BANGALORE CIRCLE

2. Introduction
Punjab National Bank (PNB), India’s first Swadeshi
Bank, commenced its operations on April 12, 1895
from Lahore, with an authorized capital of ₹ 2 lac and
working capital of ₹ 20,000. The Bank was established
by the spirit of nationalism and was the first bank
purely managed by Indians with Indian Capital. During
the long history of the Bank, 9 banks have been
merged/ amalgamated with PNB
As at the end of December’ 2023, Bank has total
52,331 delivery channels with a network of 10,108
domestic branches, 2 International branches, 12,455
ATMs & 29,768 Business Correspondents

3. Unlocking Your
Dream Home
with
Punjab
National Bank
Home Loan

5. Margin & Loan Amount CIBIL CRIF EXPERIAN EQUIFAX Floating ROI
For loan above Rs. 30
lacs
LTV Ratio
<= 80%
800 &
above
877 & above 812 & above 829 & above
RLLR+BSP-0.85%
(presently 8.40%)
Irrespective of Loan
Amount
LTV Ratio <= 80%
PNB Pride*
RLLR+BSP-0.80%
(presently 8.45%)
750 and
above
743 and
above
784 and
above
777 and above
700-749 610-742 756-783 727-776
RLLR+BSP-0.35%
(presently 8.90%)
600-699 502-609 618-755 560-726
RLLR+BSP+ 0.75%
(presently 10.00%)
Loan Amount upto 30
lacs
LTV Ratio more than
80% but upto 90%
PNB Pride*
RLLR+BSP-0.70%
(presently 8.55%)
750 and
above
743 and
above
784 and
above
777 and above
700-749 610-742 756-783 727-776
RLLR+BSP-0.25%
(presently 9.00%)
600-699 556-609 668-755 610-726
RLLR+BSP+ 0.85%
(presently 10.10%)

6. 1. PNB HOME Loan - For Public
2. PNB Pride – For Government Employees
3. PNB Gen Next – For IT Professionals, PSBs/PSUs
4. PNB Max Saver Scheme

7. HOME LOAN FOR PUBLIC
Purpose:
1. For construction of house/flat and for purchase of
built house/flat.
2. For purchase of under construction house/flat from
Housing Boards/ Development Authorities/ Co-
operative Societies/ Private Builders.
3. For carrying out repairs/ renovation / alterations/ cost
of furnishing to the house/flat.
4. For purchase of land/plot for construction of house
building.
Eligibility:
Individuals or group of individuals (co-borrowers) who are
having an assured source of regular income viz. Salaried
employees, Pensioners, Professionals, Self Employed
persons, businessman, farmers etc.

8. HOME LOAN FOR PUBLIC
Margin:
Housing Loan Upto Rs.30 lac 20%/15%#
Housing Loan Above Rs.30 lac
and Upto Rs.75 lac
20%
Housing Loan Above Rs.75 lac 25%
Purchase of Land/Plot for
House Building
25%
Repayment Period:
1. Maximum 30 years or up to the age of 70 years.
2. Loan for carrying out repairs/ renovation / alterations to the house/flat:
Max.15 years inclusive of moratorium period.
3. The income of the spouse and earning children (whether married or
unmarried) and of the joint owners can be added for determining the
income for the purpose of borrowers` repaying capacity. In such cases,
they should be made co-borrower.
4. Parents can also be made as co – borrower in cases where the
property is in the single name of Son / Daughter or in the joint name of
Son and Daughter and also clubbing of their income be permitted for
the purpose of eligibility/repayment of loan

9. HOME LOAN FOR PUBLIC
Moratorium Period/ Repayment Holiday :
1. In case of Approved Projects 48 months or till the date of
RERA Expiry, whichever is earlier.
2. For Construction/ Additions of House/ Flat: Till completion
of construction (including additions) or 18 months, from the
date of disbursement of first installment of the loan,
whichever is earlier.
3. For carrying out repairs/ renovation / alterations to the
house/ flat: Till completion of repairs/ renovation / alterations
or 6 months, from the date of disbursement of first
installment of the loan, whichever is earlier.
4. For purchase of ready built House/ flat OR land/plot: Till the
date of possession or 3 months from the date of advance,
whichever is earlier.

10. PNB PRIDE: -
Objective:
To ensure availability of Housing Loan at attractive rates and ensure a house for Central, State Govt. Para Military
personnel and Pensioners of Central & State Govt & Employees of PSUs
Rate of Interest: Floating RLLR+BSP-0.85% i.e. 8.40 %

11. PNB MAX SAVER
Objective:-
To attract Home loan borrowers especially high income
group who prefer to park their excess funds in loan account
for interest benefit.
As per the existing housing finance scheme for Public.
Drawing Power on the overdraft will be reduced on monthly
basis to the extent of the principal component of the EMIs
of that the overdraft is liquidated at the end of the loan
tenure. Interest will be recovered as and when levied.
Rate of Interest:-
ROI starts from 8.55 %.

12. PNB GEN NEXT
Objective:-
Providing home finance to Gen-Next salaried class borrowers
such as IT Professionals, PSBs/PSUs/Govt. Employees to have
a decent home.
1.25 times of the loan amount calculated as per regular home
loan method for the borrowers up to the age of 40 years. ( In
case of multiple borrowers, one borrower must be at-least up to
the age of 40 years and others may be maximum up to the age
of 45 years)
Minimum Net Monthly salary : Rs.35,000/-.
Rate of Interest:-
ROI starts from 8.40 %.

14. @pnbindia
Thank You!!