Roshni Home Loans: Affordable Home Financing

PNB Housing

Roshni Home Loans

PNB Housing Finance has launched a new affordable home loan scheme – Roshni Home Loans – in line with its long-term vision of
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:

Home Loans ranging from INR 5 lakhs to INR 50 lakhs

Funding up to 90%* of the property’s market value

Attractive rates of interest

Robust service delivery model – door step services ensuring easy and fast approval & disbursal of loans

Pan India branch network with Tier 2 & Tier 3 coverage Pan India branch network with additional Tier 2 & Tier 3 coverage

Minimal formal income documentation

Lower EMIs with up to 30 years of tenure

Tailored eligibility to meet your needs

Trusted and reliable brand with over 35 years of experience

PNB Housing Roshni Home Loan

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Roshni Home Loans

Interest Rate

PNBRRR (Retail reference rate) for all New Loans (Housing/ Non Housing) – on boarded after Jun 1, 2023 – 12.85% p.a.

Home Loan interest rate

For Salaried Employees

10.5% to 14.25%

Home Loan interest rate

For Self-employed

11.50% to 14.50%

Interest rate

For Loan against property

11.5% to 15%

Roshni Home Loans

Eligibility Criteria

Loans for home purchases are available if you are:

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.
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.
At the time of loan maturity, you should not be older than 70 years old.

Check your Eligibility

Looking for Something Else?

Contact Us

Apply Online

Use your computer or smartphone from the comfort of your home.

Request a Call

Speak with a Relationship Manager, who will help guide you through your requirement.

SMS PNBHFL

You can also type an SMS stating PNBHFL and send it to 56161

Talk to an Expert

You can connect with a our expert and share your financial requirements to 1800-120-8800

Apply Online

Use your computer or smartphone from the comfort of your home.

Request a Call

Speak with a Relationship Manager, who will help guide you through your requirement.

SMS PNBHFL

You can also type an SMS stating PNBHFL and send it to 56161

Talk to an Expert

You can connect with a our expert and share your financial requirements to 1800-120-8800

Roshni Home Loans

Frequently Asked Questions

What is the Home Loan Interest Rate?

Every lender charges you interest on the total principal home loan amount you borrow from them. This interest amount is calculated on the basis of a percentage figure called the home loan interest rate. By entering the home loan interest rate, home loan amount and tenure of the loan in a home loan EMI calculator, you can determine the monthly payable EMI as well as the total interest component for any given home loan amount! At PNB Housing, you get the best home loan rates in the market as long as you meet our easy eligibility criteria.

What is the Present Home Loan Interest Rate?

At any given time, home loan rates all over the country usually hover around a common figure depending on the market and other factors. The home loan interest rate at PNB HOUSING today stands at 8.75%* p.a. onwards. However, this is not the final rate of interest. What you avail at the end of the day depends upon a host of variables such as income, loan amount, type of interest rate, credit score, type of home loan, etc.

What is the Minimum Interest Rate Applicable on a Housing Loan?

The minimum home loan interest rate applicable to you is often subject to market conditions and other factors such as the applicant’s income, type of employment, credit score, home loan amount, type of interest opted for, etc. Hence, it changes from lender to lender and applicant to applicant.