Rates verified from official source
Punjab National Bank Loan interest rates · November 2026
- Every rate from the bank's own page, with a link to it
- No referral fees, no ads, no “apply now”
- Checked 15 Nov 2026
What will my home loan cost at PNB?
₹50 lakh
Monthly EMI at 7.45% over 20 years
₹40,127
₹46,30,464 interest · ₹96,30,464 repaid in all
The lowest rate in each band goes to the bank's best-placed borrowers. Before charges and insurance; a floating rate moves with the bank's benchmark.
PNB loan interest rates
Every band the bank publishes, a year. The lowest rate in each band goes to its best-placed borrowers.
Bank's page ↗ · Checked 15 Nov 2026
| Loan and borrower | From | Up to | Linked to | Effective on | Source |
|---|---|---|---|---|---|
Home loan PNB Housing Loan · For loan above Rs. 30 lacs LTV Ratio & · 800 & above |
7.45% | 7.45% | RLLR+BSP-0.90% (presently 7.45% p.a.) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan · Irrespective of Loan Amount LTV Ratio & · PNB Pride* |
7.50% | 7.50% | RLLR+BSP-0.85% (presently 7.50% p.a.) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan · Irrespective of Loan Amount LTV Ratio & · 750 and above |
7.50% | 7.50% | RLLR+BSP-0.85% (presently 7.50% p.a.) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan · Irrespective of Loan Amount LTV Ratio & · 700-749 |
8.05% | 8.05% | RLLR+BSP-0.30% (presently 8.05% p.a.) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan · Irrespective of Loan Amount LTV Ratio & · 600-699 |
9.25% | 9.25% | RLLR+BSP+ 0.90% (presently 9.25% p.a.) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan · Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90% · PNB Pride* |
7.60% | 7.60% | RLLR+BSP-0.75% (presently 7.60% p.a.) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan · Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90% · 750 and above |
7.60% | 7.60% | RLLR+BSP-0.75% (presently 7.60% p.a.) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan · Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90% · 700-749 |
8.15% | 8.15% | RLLR+BSP-0.20% (presently 8.15% p.a.) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan · Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90% · 600-699 |
9.35% | 9.35% | RLLR+BSP+ 1.00% (presently 9.35% p.a.) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan (CRE) · For loan above Rs. 30 lacs LTV Ratio & · 800 & above |
7.95% | 7.95% | RLLR+BSP-0.40% (presently 7.95%) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan (CRE) · Irrespective of Loan Amount LTV Ratio & · PNB Pride* |
8.00% | 8.00% | RLLR+BSP-0.35% (presently 8.00%) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan (CRE) · Irrespective of Loan Amount LTV Ratio & · 750 and above |
8.00% | 8.00% | RLLR+BSP-0.35% (presently 8.00%) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan (CRE) · Irrespective of Loan Amount LTV Ratio & · 700-749 |
8.55% | 8.55% | RLLR+BSP+0.20% (presently 8.55%) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan (CRE) · Irrespective of Loan Amount LTV Ratio & · 600-699 |
9.75% | 9.75% | RLLR+BSP+ 1.40% (presently 9.75%) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan (CRE) · Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90% · PNB Pride* |
8.10% | 8.10% | RLLR+BSP-0.25% (presently 8.10%) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan (CRE) · Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90% · 750 and above |
8.10% | 8.10% | RLLR+BSP-0.25% (presently 8.10%) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan (CRE) · Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90% · 700-749 |
8.65% | 8.65% | RLLR+BSP+0.30% (presently 8.65%) | Not stated ✓ verified 15 Nov 2026 |
|
Home loan PNB Housing Loan (CRE) · Loan Amount upto 30 lacs LTV Ratio more than 80% but upto 90% · 600-699 |
9.85% | 9.85% | RLLR+BSP+ 1.50% (presently 9.85%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (property above 200% of loan) · Above 800 · TL |
9.20% | 9.20% | RLLR+BSP+0.85% (Presently 9.20%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (property above 200% of loan) · Above 800 · OD |
9.70% | 9.70% | RLLR+BSP+1.35% (Presently 9.70%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (property above 200% of loan) · CIC Score 750 & upto 799 · TL |
9.45% | 9.45% | RLLR+BSP+1.10% (Presently 9.45%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (property above 200% of loan) · CIC Score 750 & upto 799 · OD |
9.95% | 9.95% | RLLR+BSP+1.60% (Presently 9.95%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (property above 200% of loan) · CIC Score 700 and up to 749 · TL |
10.00% | 10.00% | RLLR+BSP+1.65% (Presently 10.00%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (property above 200% of loan) · CIC Score 700 and up to 749 · OD |
10.50% | 10.50% | RLLR+BSP+2.15% (Presently 10.50%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (property above 200% of loan) · 681-699 · TL |
11.50% | 11.50% | RLLR+BSP+3.15% (Presently 11.50%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (property above 200% of loan) · 681-699 · OD |
12.00% | 12.00% | RLLR+BSP+3.65% (Presently 12.00%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (security up to 200% of loan) · Above 800 · TL |
9.40% | 9.40% | RLLR+BSP+1.05% (Presently 9.40%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (security up to 200% of loan) · Above 800 · OD |
9.90% | 9.90% | RLLR+BSP+1.55% (Presently 9.90%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (security up to 200% of loan) · CIC Score 750 & & upto 799 · TL |
9.65% | 9.65% | RLLR+BSP+1.30% (Presently 9.65%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (security up to 200% of loan) · CIC Score 750 & & upto 799 · OD |
10.15% | 10.15% | RLLR+BSP+1.80% (Presently 10.15%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (security up to 200% of loan) · CIC Score 700 and up to 749 · TL |
10.20% | 10.20% | RLLR+BSP+1.85% (Presently 10.20%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (security up to 200% of loan) · CIC Score 700 and up to 749 · OD |
10.70% | 10.70% | RLLR+BSP+2.35% (Presently 10.70%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (security up to 200% of loan) · 681-699 · TL |
11.70% | 11.70% | RLLR+BSP+3.35% (Presently 11.70%) | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property PNB myProperty (security up to 200% of loan) · 681-699 · OD |
12.20% | 12.20% | RLLR+BSP+3.85% (Presently 12.20%) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Women · Irrespective of CICs Score · Car Loan (other than e-vehicle) |
7.90% | 7.90% | RLLR+ BSP-0.45% i.e. 7.90% p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Women · Irrespective of CICs Score · Car Loan (e-vehicle) |
7.85% | 7.85% | RLLR+ BSP-0.50% i.e. 7.85% p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · PNB PRIDE* · Irrespective of CICs Score · Car Loan (other than e-vehicle) |
7.90% | 7.90% | RLLR+ BSP-0.45% i.e. 7.90% p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · PNB PRIDE* · Irrespective of CICs Score · Car Loan (e-vehicle) |
7.85% | 7.85% | RLLR+ BSP-0.50% i.e. 7.85% p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Corporate # · Irrespective of CICs Score · Car Loan (other than e-vehicle) |
7.90% | 7.90% | RLLR+ BSP-0.45% i.e. 7.90% p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Corporate # · Irrespective of CICs Score · Car Loan (e-vehicle) |
7.85% | 7.85% | RLLR+ BSP-0.50% i.e. 7.85% p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Insta Vehicle Loan Scheme for existing home loan borrower (New Car Only) · Irrespective of CICs Score · Car Loan (other than e-vehicle) |
7.90% | 7.90% | RLLR+ BSP-0.45% i.e. 7.90% p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Insta Vehicle Loan Scheme for existing home loan borrower (New Car Only) · Irrespective of CICs Score · Car Loan (e-vehicle) |
7.85% | 7.85% | RLLR+ BSP-0.50% i.e. 7.85% p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Others Individual · 750 & above · Car Loan (other than e-vehicle) |
7.90% | 7.90% | RLLR+ BSP-0.45% i.e. 7.90% p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Others Individual · 750 & above · Car Loan (e-vehicle) |
7.85% | 7.85% | RLLR+ BSP-0.50% i.e. 7.85% p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Others Individual · 700 and up to 749 · Car Loan (other than e-vehicle) |
8.95% | 8.95% | RLLR+ BSP +0.60% i.e.8.95 % p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Others Individual · 700 and up to 749 · Car Loan (e-vehicle) |
8.90% | 8.90% | RLLR+ BSP+0.55% i.e.8.90 % p.a. (Presently) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Others Individual · 681 to less than 700 · Car Loan (other than e-vehicle) |
9.95% | 9.95% | RLLR+ BSP+ 1.60% i.e. 9.95% p.a. | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (new car) · Others Individual · 681 to less than 700 · Car Loan (e-vehicle) |
9.90% | 9.90% | RLLR+ BSP+ 1.55% i.e. 9.90% p.a. | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (used car) · Women · Irrespective of CICs Score |
9.70% | 9.70% | RLLR+ BSP+1.35% i.e. 9.70% p.a. | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (used car) · PNB PRIDE* · Irrespective of CICs Score |
9.70% | 9.70% | RLLR+ BSP+1.35% i.e. 9.70% p.a. | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (used car) · Corporate # · Irrespective of CICs Score |
9.70% | 9.70% | RLLR+ BSP+1.35% i.e. 9.70% p.a. | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (used car) · Insta Vehicle Loan Scheme for existing home loan borrower (New Car Only) · Irrespective of CICs Score |
9.70% | 9.70% | RLLR+ BSP+1.35% i.e. 9.70% p.a. | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (used car) · Others Individual · 750 & above |
9.70% | 9.70% | RLLR+ BSP+1.35% i.e. 9.70% p.a. | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (used car) · Others Individual · 700 and up to 749 |
10.30% | 10.30% | RLLR+ BSP+1.95% i.e. 10.30% p.a. | Not stated ✓ verified 15 Nov 2026 |
|
Car loan PNB Car Loan (used car) · Others Individual · 681 to less than 700 |
10.80% | 10.80% | RLLR+ BSP+ 2.45% i.e. 10.80% p.a. | Not stated ✓ verified 15 Nov 2026 |
|
Two-wheeler loan PNB Saarthi / Power Ride · Salaried Person |
11.10% | 11.10% | RLLR+BSP + 2.75% (Presently 11.10%) | Not stated ✓ verified 15 Nov 2026 |
|
Two-wheeler loan PNB Saarthi / Power Ride · Others including business concern |
11.60% | 11.60% | RLLR+BSP + 3.25% (Presently 11.60%) | Not stated ✓ verified 15 Nov 2026 |
|
Two-wheeler loan PNB Saarthi / Power Ride · PNB POWER RIDE |
10.25% | 10.25% | RLLR+BSP + 1.90% (Presently 10.25%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM Vidyalaxmi · AAA · IIMs (22), IITs (23), IIFT Delhi, XIM University, BITS Pilani, MDI Gurgoan & XLRI Jamshedpur. |
7.10% | 7.10% | RLLR + BSP -1.25% (Presently 7.10%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM Vidyalaxmi · AAA · NITs (31), MICA Ahmedabad, S. P. Jain Institute of Management and Research, SVKM`s Narsee Monjee Institute of Management Studies, Symbiosis Institute of Business Management, IMT & BITS Pilani (Mumbai,Goa & Hyderabad Campus) IIIT Bangalore & IIFT KOLKATA |
7.30% | 7.30% | RLLR + BSP -1.05% (Presently 7.30%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM Vidyalaxmi · AA · IIIT Bhagalpur, IIIT Ranchi, IIIT Dharwad, IIIT Srirangam, Bharathidasan Institute of Management (NIRF Code (N-4)), Birla Institute of Technology Ranchi & Indian Institute of Information Technology, Dharwad |
7.45% | 7.45% | RLLR + BSP - 0.90% (Presently 7.45%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM Vidyalaxmi · AA · Indian Institute of Information Technology Vadodara & Indian Institute of Information Technology Vadodara International Campus DIU) |
7.50% | 7.50% | RLLR + BSP - 0.85% (Presently 7.50%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM Vidyalaxmi · AA · Nirma University, Ahmedabad, Gujarat & 08 Constituent colleges |
7.60% | 7.60% | RLLR + BSP - 0.75% (Presently 7.60%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM Vidyalaxmi · AA · 214 other Institutes |
8.20% | 8.20% | RLLR + BSP - 0.15% (Presently 8.20%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM Vidyalaxmi · A · 1118 other Institutes |
8.85% | 8.85% | RLLR + BSP - 0.50% (Presently 8.85%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Pratibha · Loan amount above Rs.7.50 lakhs Student getting admission in IIMs & IITs (which are not covered under PM Vidya Laxmi Scheme), ISB Hyderabad, ISB Mohali |
7.20% | 7.20% | RLLR + BSP – 1.15% (Presently 7.20%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Pratibha · Loan amount above Rs.7.50 lakhs Student getting admission in NIT’s (which are not covered under PM Vidya Laxmi Scheme) & FMS-Delhi. |
7.50% | 7.50% | RLLR + BSP – 0.85% (Presently 7.50%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Pratibha · Loan amount above Rs.7.50 lakhs Student getting admission in other than above mentioned institutes listed under PNB PRATIBHA Scheme |
8.10% | 8.10% | RLLR + BSP – 0.25% (Presently 8.10%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Saraswati · Loan amount above Rs. 7.5 Lakhs for pursuing MBBS/MD/MS/PG (in medical after completing MBBS) (where minimum 100% collateral security is available) |
8.35% | 8.35% | RLLR + BSP i.e. 8.35% p.a. | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Saraswati · Loan irrespective of amount (where minimum 100% collateral security is available) · Rate of Interest (Other than Female Student) |
9.60% | 9.60% | RLLR+BSP+ 1.25% (Presently 9.60 %) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Saraswati · Loan irrespective of amount (where minimum 100% collateral security is available) · Rate Of Interest (Female Student) |
9.10% | 9.10% | RLLR+BSP+ 0.75% (Presently 9.10%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Saraswati · Loan upto Rs.7.50 lakhs (covered under CGFSEL Scheme) · Rate of Interest (Other than Female Student) |
10.35% | 10.35% | RLLR+BSP+2.00% (Presently 10.35%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Saraswati · Loan upto Rs.7.50 lakhs (covered under CGFSEL Scheme) · Rate Of Interest (Female Student) |
9.85% | 9.85% | RLLR+BSP+ 1.50% (Presently 9.85%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Udaan (study abroad) · Loan amount above Rs. 7.5 Lakhs for pursuing MBBS/MD/MS/PG (in medical after completing MBBS) (where minimum 100% collateral security is available) |
8.35% | 8.35% | RLLR+BSP (Presently 8.35%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Udaan (study abroad) · Loan irrespective of amount to student getting admission into top 50 institutes (where minimum 100% collateral security is available) · Rate of Interest(Other than Female Student) |
8.35% | 8.35% | RLLR+BSP (Presently 8.35%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Udaan (study abroad) · Loan irrespective of amount to student getting admission into top 50 institutes (where minimum 100% collateral security is available) · Rate Of Interest(Female Student) |
8.35% | 8.35% | RLLR+BSP (Presently 8.35%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Udaan (study abroad) · Loan irrespective of amount (where minimum 100% collateral security is available) · Rate of Interest(Other than Female Student) |
9.60% | 9.60% | RLLR+BSP+1.25% (Presently 9.60%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Udaan (study abroad) · Loan irrespective of amount (where minimum 100% collateral security is available) · Rate Of Interest(Female Student) |
9.10% | 9.10% | RLLR+BSP+0.75% (Presently 9.10%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Udaan (study abroad) · Loan upto Rs.7.50 lakhs (covered under CGFSEL Scheme) · Rate of Interest(Other than Female Student) |
10.35% | 10.35% | RLLR+BSP+2.00% (Presently 10.35%) | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PNB Udaan (study abroad) · Loan upto Rs.7.50 lakhs (covered under CGFSEL Scheme) · Rate Of Interest(Female Student) |
9.85% | 9.85% | RLLR+BSP+1.50% (Presently 9.85%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · A · Loan to Defence/ Para Military Personals drawing salaries through our Bank including customers covered under Rakshak Plus scheme · Not applicable · TL |
10.50% | 10.50% | RLLR+BSP+ 2.15% (Presently 10.50%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · A · Loan to Defence/ Para Military Personals drawing salaries through our Bank including customers covered under Rakshak Plus scheme · Not applicable · OD |
10.50% | 10.50% | RLLR+BSP+ 2.15% (Presently 10.50 %) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · B · a. Loan to Govt. Employees drawing salaries through our Bank b. Loan to Central Government gazetted officer (Section Officer or equivalent and above) not having salary account with us. · >= 800 |
10.85% | 10.85% | RLLR+BSP+ 2.50% (Presently 10.85%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · B · a. Loan to Govt. Employees drawing salaries through our Bank b. Loan to Central Government gazetted officer (Section Officer or equivalent and above) not having salary account with us. · >=750 less than 800 Or With Nil credit history (i,e -1 or 0) |
11.85% | 11.85% | RLLR+BSP+ 3.50% (Presently 11.85%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · B · a. Loan to Govt. Employees drawing salaries through our Bank b. Loan to Central Government gazetted officer (Section Officer or equivalent and above) not having salary account with us. · 681 to 749 |
12.85% | 12.85% | RLLR+BSP+ 4.50% (Presently 12.85%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · B · a. Loan to Govt. Employees drawing salaries through our Bank b. Loan to Central Government gazetted officer (Section Officer or equivalent and above) not having salary account with us. · Score less than 681 |
13.35% | 13.35% | RLLR+BSP+ 5.00% (Presently 13.35%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · C · a. Loan to Corporate/other Employees drawing salaries through our Bank. b. Loan to Govt. Employees not drawing salary with our bank · Score >= 800 |
11.85% | 11.85% | RLLR+BSP+ 3.50% (Presently 11.85%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · C · a. Loan to Corporate/other Employees drawing salaries through our Bank. b. Loan to Govt. Employees not drawing salary with our bank · >=750 less than 800 Or With Nil credit history (i,e -1 or 0) |
12.85% | 12.85% | RLLR+BSP+ 4.50% (Presently 12.85%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · C · a. Loan to Corporate/other Employees drawing salaries through our Bank. b. Loan to Govt. Employees not drawing salary with our bank · 681 to 749 |
14.85% | 14.85% | RLLR+BSP+ 6.50% (Presently 14.85%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · C · a. Loan to Corporate/other Employees drawing salaries through our Bank. b. Loan to Govt. Employees not drawing salary with our bank · Score less than 681 |
15.35% | 15.35% | RLLR+BSP+ 7.00% (Presently 15.35%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · D · Loan to employees under check off facility · >= 800 |
13.35% | 13.35% | RLLR+BSP+ 5.00% (Presently 13.35%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · D · Loan to employees under check off facility · >=750 less than 800 Or With Nil credit history (i,e -1 or 0) |
13.85% | 13.85% | RLLR+BSP+ 5.50% (Presently 13.85%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · D · Loan to employees under check off facility · 681 to 749 |
15.55% | 15.55% | RLLR+BSP+ 7.20% (Presently 15.55%) | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan PNB Sahyog Rin · D · Loan to employees under check off facility · Score less than 681 |
16.05% | 16.05% | RLLR+BSP+ 7.70% (Presently 16.05%) | Not stated ✓ verified 15 Nov 2026 |
How PNB compares
Each bank's lowest published rate, and what the same loan would cost a month there. Before charges.
Home loan · EMI on ₹50 lakh over 20 years
Loan against property · EMI on ₹30 lakh over 15 years
Car loan · EMI on ₹8 lakh over 5 years
Two-wheeler loan · EMI on ₹1.5 lakh over 3 years
Education loan · EMI on ₹10 lakh over 7 years
The rates PNB's loans are linked to
A floating loan's rate is one of these plus a spread fixed when you borrow. When it moves, your EMI or your term moves at the next reset.
Repo-linked rate (RLLR)8.35%from 8 Oct 2026
MCLR by reset period · from 1 Nov 2026
| Reset period | Compared | MCLR |
|---|---|---|
| Overnight | 8.10% | |
| 1 month | 8.35% | |
| 3 months | 8.60% | |
| 6 months | 8.75% | |
| 1 year | 8.90% | |
| 3 years | 9.20% |
A loan on MCLR resets at the end of its period, most often one year, to the MCLR then plus its spread. If yours is still on MCLR, you can ask to move it to the repo-linked rate.
| Older benchmark | Rate | Effective from |
|---|---|---|
| Base rate | 9.50% | 1 Jul 2026 |
| Benchmark prime lending rate (BPLR) | 14.00% | 1 May 2012 |
Loans taken before April 2016 may still be linked to these.
Official Checked 15 Nov 2026 · Bank's own page
PNB loans: frequently asked questions
What is the PNB home loan interest rate?
As of 15 Nov 2026, Punjab National Bank publishes home loan rates of 7.45% to 9.85% a year (floating). The lowest, 7.45%, is for: For loan above Rs. 30 lacs LTV Ratio & · 800 & above. The rate you are offered depends on your credit score, income and the loan amount.
What is the PNB loan against property interest rate?
As of 15 Nov 2026, Punjab National Bank publishes loan against property rates of 9.20% to 12.20% a year (floating). The lowest, 9.20%, is for: Above 800 · TL. The rate you are offered depends on your credit score, income and the loan amount.
What is the PNB car loan interest rate?
As of 15 Nov 2026, Punjab National Bank publishes car loan rates of 7.85% to 10.80% a year (floating). The lowest, 7.85%, is for: Women · Irrespective of CICs Score · Car Loan (e-vehicle). The rate you are offered depends on your credit score, income and the loan amount.
What is the PNB two-wheeler loan interest rate?
As of 15 Nov 2026, Punjab National Bank publishes two-wheeler loan rates of 10.25% to 11.60% a year (floating). The lowest, 10.25%, is for: PNB POWER RIDE. The rate you are offered depends on your credit score, income and the loan amount.
What is the PNB education loan interest rate?
As of 15 Nov 2026, Punjab National Bank publishes education loan rates of 7.10% to 10.35% a year (floating). The lowest, 7.10%, is for: AAA · IIMs (22), IITs (23), IIFT Delhi, XIM University, BITS Pilani, MDI Gurgoan & XLRI Jamshedpur.. The rate you are offered depends on your credit score, income and the loan amount.
What is the PNB personal loan interest rate?
As of 15 Nov 2026, Punjab National Bank publishes personal loan rates of 10.50% to 16.05% a year (floating). The lowest, 10.50%, is for: A · Loan to Defence/ Para Military Personals drawing salaries through our Bank including customers covered under Rakshak Plus scheme · Not applicable · TL. The rate you are offered depends on your credit score, income and the loan amount.
What is the EMI on a ₹50 lakh home loan from PNB?
At PNB's lowest published rate of 7.45%, a ₹50 lakh home loan over 20 years costs about ₹40,127 a month, or ₹46,30,464 in interest over the loan. Charges and insurance are extra.
Are PNB loans linked to the repo rate?
Punjab National Bank's repo-linked lending rate (RLLR) is 8.35% from 8 Oct 2026. Floating retail loans are priced from it, plus a spread fixed when you borrow.
What is PNB's MCLR?
Punjab National Bank's 1-year MCLR is 8.90%, effective 1 Nov 2026. Loans taken between 2016 and 2019 and many business loans are linked to it.
Is PNB cheaper than other banks for a home loan?
Of the 8 banks we read for home loans, PNB's lowest published rate (7.45%) ranks number 5; the lowest is 7.25% at Central. Compare the charges as well as the rate.
Does RateScan get paid by PNB?
No. We take no referral fees, show no ads and don't take loan applications. Every figure is read from the bank's own page, which is linked from every row.
More PNB rates
PNB overviewPNB Fixed Deposit ratesPNB Recurring Deposit ratesPNB Savings Account ratesPNB NRE Fixed Deposit ratesPNB FCNR(B) Deposit rates
Loan rates at other banks
How we collect loan rates
From the bank's own pages. Every figure is read from the lending-rate page the bank publishes, and links back to it. Benchmarks are re-read every day.
A published rate is not an offer. Banks set your rate from your credit score, income, the loan amount and the property or vehicle. We show the range the bank publishes; "7.60% onwards" means the bank gave no top figure.
Benchmark plus spread. A floating loan's rate is the bank's benchmark (its repo-linked rate, or MCLR for older loans) plus a spread fixed when you borrow. When the benchmark moves, your rate moves with it at the next reset.
The EMI is worked out on a reducing balance with monthly instalments: EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where r is the yearly rate ÷ 12 and n the number of months. It leaves out processing charges and insurance.
No referral fees. We don't take loan applications or get paid by lenders, so the order is the order.
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