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PNB Housing Finance Limited Home Loan

NBFC / HFC

PNB Housing Finance is an HFC with a strong presence in northern India. It offers flexible underwriting for self-employed profiles but has persistent customer service complaints around foreclosure processing timelines.

7.50%

Starting rate

12.50%

Max rate

0.50% of loan + GST

Processing fee

30 yrs

Max tenure

Rates as of 2026-04-16. RBI repo rate 5.25%. Best available new-customer rate across all tracked lenders: 7.15%.

Already have a PNB Housing Finance home loan?

If your current PNB Housing Finance rate is above 7.50%, you are paying more than what PNB Housing Finance is offering new customers today. The gap could be anywhere from 50 to 535 basis points depending on when you took the loan and which benchmark it is on.

Check my overpayment Rate reset letter for PNB Housing Finance

Products offered

PNB Housing Home Loan
PNB Housing Balance Transfer
PNB Housing Plot Loan
PNB Housing Top-Up

Best for: Self-employed borrowers in northern India who need flexible documentation norms.

Strengths and weaknesses

+ Flexible underwriting for self-employed profiles.

+ Reasonable entry rate at 7.50% for well-documented cases.

+ Strong presence in Delhi NCR and Rajasthan.

- Customer service complaints are frequent on consumercomplaints.in, especially around foreclosure SR tracking.

- Processing fee of 0.50% plus GST adds up on large loans.

Rate reset at PNB Housing Finance

PNB Housing rate resets are processed through the branch. Multiple consumercomplaints.in threads report delays of 2 to 4 weeks in getting foreclosure letters issued.

Get the rate reset letter template

Balance transfer friction

High friction

Leaving PNB Housing Finance has drawn complaints from borrowers about foreclosure letter delays and opaque processing. Keep written records of every request and escalate to the internal ombudsman if the timeline exceeds 7 working days.

Read the foreclosure charges guide

What PNB Housing Finance borrowers are saying

"On February 1, I have submitted request for foreclosure. It is week over and I am not even aware of status of request. Customer care portal does not even show info on raised SR."

consumercomplaints.in · February 2023 View source

Complaints are sourced from public consumer forums and social media. They represent individual experiences and may not reflect current policies.

PNB Housing Finance Limited home loan at a glance

Lender type	NBFC / HFC
Headquarters	New Delhi
Regulator	NHB (under RBI oversight)
Floating rate range	7.50% to 12.50% (EBLR-linked)
Processing fee	0.50% of loan + GST
Max tenure	30 years
Max loan amount	₹5 Cr+
Prepayment charge	Nil on floating rate
Balance transfer friction	high
Official website	www.pnbhousing.com

Data as of 2026-04-16. Rates are for salaried borrowers with CIBIL 750+. Verify with PNB Housing Finance for profile-specific quotes.

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