Roshni Home Loans: Affordable Home Financing
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PNB Housing
Roshni Home Loans
empowering and supporting an individual’s dream of owning a home. PNB Housing Finance Ltd aims to provide newer hopes and
opportunities to customers with Roshni Home Loans. As a result, whether loan applicants are new to credit, self-employed with
informal income from a low/middle income group with a monthly household income as low as INR 10,000, and have serious
intentions to repay, Roshni Home Loans aids them in solving eligibility barriers.
Salient Features and Advantages:
Your EMI is
Interest amount₹ 2,241,811
Total amount payable₹ 4,241,811
Your Monthly EMI
Eligible Loan Amount ₹565,796
Roshni Home Loans
Interest Rate
For Salaried Employees
10.5% to 14.25%
For Self-employed
11.50% to 14.50%
For Loan against property
11.5% to 15%
Roshni Home Loans
Eligibility Criteria
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A salaried employee of local and stable business entity. The employer’s company can be a sole proprietorship/partnership/private limited/limited company/trust, among other things.
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A self-employed person with informal income from a low/middle income group, with a households earning as low as INR 10,000. This also applicable to combined income when there is a co-applicant.
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At the time of loan maturity, you should not be older than 70 years old.
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Roshni Home Loans
Frequently Asked Questions
Any salaried or self-employed individual aged 21-65 with a stable income source is eligible. We offer customized loan solutions based on income, credit history, property type, co-applicant availability and repayment capacity. If you’re not sure, our experts are here to guide you through your eligibility quickly.
Loan amounts typically range from 70% to 90% of the property’s market value. It’s determined by factors like property type & value, loan type, your Income & repayment capacity and credit score etc. You can quickly estimate your eligibility using our online calculator.
Our Roshni home loan interest rates start from as low as 10.50% per annum, with tenures ranging up to 30 years. Flexible tenure options allow you to choose a repayment period that fits your financial plans.
Yes, we have options for customers who may not have formal income tax records but have verifiable income sources. Our loan advisors can assist in evaluating your case and suggesting the best loan options in such case.
Yes, you can avail re-finance at applicable Home Loan rate within 6 months from the date of property purchase.
A fixed interest rate remains constant throughout the loan tenure, providing predictable EMIs. A floating rate, however, can change based on market fluctuations, potentially leading to lower payments if interest rates decrease. PNB Housing finance ltd offers both fixed & floating options to suit your financial goals.
Yes, you can prepay* your home loan partially or in full to reduce your overall interest burden. PNB Housing provides flexible prepayment options, and there are generally no charges* on floating-rate loans (applicable only for Individual Home Loans). For fixed-rate loans, minimal charges* may apply, and our advisors can provide specific guidance based on your loan type.
You can start your application by filling out our quick lead form on this page. One of our experts will contact you shortly to guide you through the next steps.
