Roshni Home Loan

Affordable Home Loan with Minimum Documents and pocket-friendly installments.

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What are

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.
Online Application
Facility
Doorstep
Service
Funding up to 90%*
of the property’s market value
Pan India branch
network

Salient Features and Advantages:

Home Loans ranging above INR 5 Lakhs

Attractive rates of interest

Minimal formal income documentation

Lower EMIs with up to 30 years of tenure

Trusted and reliable brand with over 35 years of experience

Tailored eligibility to meet your needs
*As per PNB Housing policy, terms & conditions

PNB Housing Roshni Home Loan

₹ 2,000,000
8.50% %
30 Years
₹
₹ 1 L ₹ 5 Cr
%
10.50% 15%
Years
1 Year 30 Year

Your EMI is

₹17,674

Interest amount₹ 2,241,811

Total amount payable₹ 4,241,811

₹ 10,000
10.50 %
30 Years
₹ 0
₹
₹ 10 k ₹ 10 L
%
10.50% 15%
Years
1 Year 30 Years
₹
₹ 10 K ₹ 10 L

Your Monthly EMI

₹5,000

Eligible Loan Amount ₹565,796

Roshni Home Loans 

Eligibility Criteria

At PNB Housing, we have relaxed eligibility criteria for Roshni Home Loans. You can also check your eligibility using the home loan eligibility calculator.
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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.

Roshni Home Loans 

Documents Required

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    Duly filled application form with photograph and PAN card

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    Age proof (PAN card, passport, any other certificate from statutory authority etc.)

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    Residence proof (passport, driving license, telephone bill, ration card, election card, any other certificate from statutory authority etc.)

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    Latest salary-slips/salary certificates for 3 months

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    Form 16 for last 2 years (if available)

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    Last 6 months bank statements(salary account)

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    Photocopy of title documents of the property, approved plan

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    Duly filled Application Form with Photograph and PAN Card

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    Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority etc.)

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    Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority etc.)

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    Certificate and Proof of Business existence along with Business Profile (if available)

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    Last 2 years Income Tax Returns of both self and business (if available)

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    Last 6 months Bank Account Statements (self & business)

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    Photocopy of Title Documents of the Property, Approved Plan etc.

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.

Copyright ©2024 PNBHFL
  1. a. As regards deposit taking activity of the Company, the viewers may refer to the advertisement in the newspaper/ information furnished in the application form for soliciting public deposits.
  2. b. The Company is having a valid Certificate of Registration dated 31.07.2001 issued under Section 29A of the National Housing Bank Act, 1987. However, the Reserve Bank of India or the National Housing Bank does not accept any responsibility or guarantee about the present position as to the financial soundness of the Company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/ discharge of the liabilities by the Company.
  3. c. Terms and conditions apply. All loans are at the discretion of the Company. Other fees and charges are applicable. For further details, refer website of the Company, www.pnbhousing.com | CIN: L65922DL1988PLC033856.