PNB Housing Finance Home Loan EMI Calculator
Calculate your PNB Housing Finance home loan EMI, check balance transfer savings, and view CIBIL-tier rates — pre-filled at PNB HFL's 2026 starting rate of 8.50%.
Starting Rate
8.50%
p.a. floating (RPLR-linked)
Max Tenure
30 years
salaried borrowers
Processing Fee
0.50%–1%
of loan amount
Balance Transfer
Available
Competitive take-out offers
Home Loan Details
Loan Amount
Interest Rate
Tenure
Monthly EMI
₹43,391
for 240 months · 20 years tenure
Principal
₹50.00 L
48.0%
Total Interest
₹54.14 L
52.0%
Total Payment
₹1.04 Cr
Principal + interest
Interest — Year 1
₹4.21 L
First 12 months
Principal vs Interest
Distribution of your total payment
Principal Interest
Yearly Breakdown
Principal and interest paid each year (first 15)
Amortization Schedule
Total Principal
₹50,00,000
Total Interest
₹54,13,879
Total Paid
₹1,04,13,878
| Month | EMI | Principal | Interest |
|---|---|---|---|
| 1 | ₹43,391 | ₹7,974 | ₹35,417 |
| 2 | ₹43,391 | ₹8,031 | ₹35,360 |
| 3 | ₹43,391 | ₹8,088 | ₹35,303 |
| 4 | ₹43,391 | ₹8,145 | ₹35,246 |
| 5 | ₹43,391 | ₹8,203 | ₹35,188 |
| 6 | ₹43,391 | ₹8,261 | ₹35,130 |
| 7 | ₹43,391 | ₹8,319 | ₹35,072 |
| 8 | ₹43,391 | ₹8,378 | ₹35,013 |
| 9 | ₹43,391 | ₹8,438 | ₹34,953 |
| 10 | ₹43,391 | ₹8,498 | ₹34,894 |
| 11 | ₹43,391 | ₹8,558 | ₹34,833 |
| 12 | ₹43,391 | ₹8,618 | ₹34,773 |
Results are indicative only. Actual EMI may vary based on your lender's rounding method, processing date, stub-period interest, and applicable fees. Always verify with your bank or NBFC before making a financial decision. See our disclaimer for full details.
PNB Housing Finance Home Loan Interest Rates by CIBIL Score (2026)
Rates are indicative as of July 2026 (floating EBLR-linked). Actual rate offered depends on income, employer category, loan amount, and LTV. Verify with PNB Housing Finance Ltd before applying.
| CIBIL Score | Interest Rate | Typical Borrower Profile |
|---|---|---|
| 800+ | 8.50% | Prime salaried, top employer category |
| 750–799 | 8.75% | Salaried, standard eligibility |
| 700–749 | 9.25% | Average credit profile |
| Below 700 | 10.50%+ | Subprime — higher pricing |
Why Choose PNB Housing Finance for Home Loan?
- Fastest approval turnaround among mid-size HFCs — digital sanction in 48 hours for pre-approved profiles
- Strong focus on affordable housing segment (₹15–50 lakh ticket size) with competitive rates
- Attractive balance transfer offers for borrowers switching from higher-rate lenders
- Higher spread over PLR for below-700 CIBIL profiles — serves self-employed and non-standard income borrowers
- PNB Housing Finance is listed on NSE/BSE (regulated by NHB), ensuring transparency and oversight
Frequently Asked Questions
PNB Housing Finance home loan rates start at 8.50% p.a. (floating, RPLR-linked — PNB HFL's Retail Prime Lending Rate) for CIBIL 800+ salaried borrowers. The range extends to 13.50% for the weaker sub-prime segment. PNB HFL serves a wider credit spectrum than banks, which is why the upper range is higher. The base rate for prime borrowers is competitive with large PSU banks. Verify with PNB HFL's website or a branch.