PNB Housing · housing finance company
PNB Housing Finance home loan interest rate today
PNB Housing Finance publishes home loan interest rates from 7.75% for new loans (checked 18 Oct 2026). It sets its own rate rather than following the RBI repo rate. To move an existing loan to a lower rate with PNB Housing, the fee is about ₹29,500 with GST on a ₹50 lakh loan, as published by PNB Housing.
Checked 18 Oct 2026 · PNB Housing's rate page
- Rate for new loans
- From 7.75%
- On PNB Housing's site
- RBI repo rate
- Own rate
- Set by the lender
- Fee to lower rate
- ₹29,500
- ₹50 lakh loan, with GST
- Checked
- 18 Oct
- 2026
Rates for new loans
- Score 825 and above (salaried, up to ₹50 lakh)7.75%
- Score 800 to 8248.40%
- Score 775 to 7998.50%
- Score 750 to 7748.60%
- Score 725 to 7498.75%
- Score 700 to 7249.10%
- Score up to 7009.75%
Source: pnbhousing.com · checked 18 Oct 2026 · from the official website
How the rate moves
PNB Housing sets its own rate, using its PNBHFR (internal reference rate). It does not have to move when the RBI changes the repo rate.
Rates are set by the lender's own reference rate, not directly by the RBI repo rate.
How to ask PNB Housing for a lower rate
If you already have a loan with PNB Housing, you can ask it in writing to move you to its current rate. It is a request, and the lender decides.
- Email [email protected] from your registered address asking for your rate to be revised to the current rate for your score band.
- Ask for written confirmation of the fee (0.5% of outstanding plus GST) and a request number.
These steps are what borrowers report; PNB Housing's own site does not set them out. Ask your branch to confirm.
The fee: about ₹29,500 with GST on a ₹50 lakh loan. 0.5% of the principal outstanding plus GST to reduce the rate on a floating-rate loan; no cap published.
Source: pnbhousing.com · checked 18 Oct 2026 · from the official website
Paying off early
For loans sanctioned or renewed on or after 1 January 2026, no bank, NBFC or housing finance company may charge for part or full pre-payment of a floating-rate loan taken by an individual for non-business purposes, whatever the source of funds and with no lock-in. Older floating-rate home loans were already protected by RBI's 2012 and 2014 circulars (banks) and NHB directions (HFCs). Any charge not written in your sanction letter or Key Facts Statement cannot be levied.
Where to complain
Complain to PNB Housing first and keep the reference number it gives you.
Housing finance companies are not covered by the RBI Ombudsman. If there is no reply within about 30 days, or the reply does not satisfy you, complain to the National Housing Bank for free at grids.nhbonline.org.in (GRIDS), or by post with its complaint form.
After PNB Housing, the next step is the National Housing Bank. It is free and you do not need a lawyer.
Questions people ask
What is PNB Housing Finance's home loan interest rate today?
PNB Housing Finance publishes home loan interest rates from 7.75% for new loans (checked 18 Oct 2026). The rate you get depends on your credit score and loan, and PNB Housing decides the final rate.
Does PNB Housing Finance's home loan rate change when the RBI changes the repo rate?
PNB Housing sets its own rate, using its PNBHFR (internal reference rate). It does not have to move when the RBI changes the repo rate. Rates are set by the lender's own reference rate, not directly by the RBI repo rate.
How do I get a lower rate on my existing PNB Housing Finance home loan?
Ask PNB Housing in writing to move your loan to its current rate. Email [email protected] from your registered address asking for your rate to be revised to the current rate for your score band. Ask for written confirmation of the fee (0.5% of outstanding plus GST) and a request number. The fee is about ₹29,500 with GST on a ₹50 lakh loan, as published by PNB Housing. A lower rate is a request: the lender decides.
Can PNB Housing Finance charge me for paying off my home loan early?
No, not on a floating-rate home loan. For loans sanctioned or renewed on or after 1 January 2026, no bank, NBFC or housing finance company may charge for part or full pre-payment of a floating-rate loan taken by an individual for non-business purposes, whatever the source of funds and with no lock-in. Older floating-rate home loans were already protected by RBI's 2012 and 2014 circulars (banks) and NHB directions (HFCs). Any charge not written in your sanction letter or Key Facts Statement cannot be levied.
Where do I complain if PNB Housing Finance does not reply?
Complain to PNB Housing first through its complaints page ([email protected]). Housing finance companies are not covered by the RBI Ombudsman. If there is no reply within about 30 days, or the reply does not satisfy you, complain to the National Housing Bank for free at grids.nhbonline.org.in (GRIDS), or by post with its complaint form.
Compare with other lenders
- Bajaj Housing Financefrom 7.50%
- LIC Housing Financefrom 7.50%
- Tata Capital Housing Financefrom 8.00%
- IDFC FIRST Bankfrom 7.75%
Moving your loan to PNB Housing from another lender: a processing fee of about ₹59,000 with GST on a ₹50 lakh loan, as published by PNB Housing, plus stamp duty in some states.
Words on this page
- RBI repo rate:
- the rate the Reserve Bank of India sets for lending to banks. Many home loan rates move with it.
- Prime lending rate:
- the lender's own reference rate (LHPLR, RPLR, PNBHFR and similar). The lender sets it; it does not have to follow the RBI repo rate.
- GST:
- Goods and Services Tax: 18% on bank fees.