About Punjab National Bank (PNB) Home Loans
Punjab National Bank (PNB) is one of India's oldest and most trusted public sector banks. Known for its highly competitive interest rates and customer-friendly policies, PNB Home Loans are an excellent choice for both salaried and self-employed individuals looking to purchase, construct, or renovate a home.
At Bhardwaj Financial Services, we hold a special partnership with PNB that allows us to secure preferential terms for our clients. One of the biggest advantages of choosing PNB through us is the complete waiver of processing fees and documentation charges during special festive periods, saving you thousands of rupees upfront.
PNB home loans are linked to the Repo Linked Lending Rate (RLLR), ensuring absolute transparency. When the RBI reduces repo rates, the benefit is automatically and immediately passed on to you, lowering your monthly EMI.
Key Benefits
- Extremely low interest rates starting from 8.40% p.a. for high CIBIL scores.
- Complete waiver of processing fees and upfront charges for eligible profiles.
- No pre-payment or foreclosure penalties on floating rate loans.
- Long repayment tenure up to 30 years to minimize your EMI burden.
- Doorstep service and dedicated relationship managers via Bhardwaj Financial Services.
Why choose Punjab National Bank (PNB)?
Lowest Rates
PNB consistently offers some of the lowest interest rates in the public sector banking space.
Transparent RLLR
Your interest rate is directly linked to the RBI Repo Rate, ensuring 100% transparency.
Zero Processing Fee
Enjoy absolutely zero processing fees when you apply through our authorized channels.
Documents Required
KYC Documents
- PAN Card
- Aadhaar Card
- Passport size photographs
Income Proof
- Last 3 months salary slips
- Last 6 months bank statement
- Form 16 / Last 2 years ITR
Property Documents
- Agreement to Sell
- Allotment Letter
- Approved Building Plan (for construction)
Calculate Your EMI
Use our advanced EMI calculator to plan your home loan repayment with Punjab National Bank (PNB)'s current interest rates.
Open EMI CalculatorFrequently Asked Questions
Disclaimer: Punjab National Bank (PNB) interest rates and fees mentioned are for informational purposes based on current market data. Final approval, rates, and fee waivers are at the sole discretion of the bank based on the applicant's credit profile.