PNB_HFवाणिज्यिक बैंक
PNB Housing Finance की नवीनतम ब्याज दरें - September 2026
पीएनबी हाउसिंग फाइनेंस (PNB_HF)
1 वर्ष FD: 6.7% बेंचमार्क दर: 8.5%
ब्याज दर सारांश
PNB Housing Finance Interest Rates & Retail Lending Schemes Overview
Quick Overview: Official real-time deposit interest rates and retail lending schemes from PNB Housing Finance (PNB_HF), promoted by Punjab National Bank:
Key Deposit & Retail Lending Highlights:
- Public Fixed Deposits: As an HFC (Housing Finance Company), PNB Housing Finance does not offer demand/savings accounts. Domestic public deposits start from 12 months, with 1-Year FD interest rate standing at 6.70% p.a. (Senior citizens receive an additional +0.25% at 6.95% p.a.). Special buckets include 22-month deposits at 6.90% p.a., 30-month deposits at 8.00% p.a., and 3-Year tenures at 7.10% p.a.
- Home Loans (Housing Finance): Floating interest rates start from 7.50% p.a. (standard rack rates starting from 8.50% p.a. for salaried profiles) linked to the Retail Prime Lending Rate (RPLR at 8.50%), featuring maximum repayment tenures up to 30 years, financing up to 90% LTV on eligible property sizes, and zero prepayment penalties for individual borrowers.
- Retail Loan Schemes: As a specialized mortgage lender, PNB Housing Finance does not offer auto financing or standalone revolving credit cards. It provides Home Improvement, Plot Loans, Loan Against Property (LAP), and top-up retail credit facilities starting from 10.50% p.a. on a reducing balance basis.
💡 Financial Recommendation: Borrowers maintaining a CIBIL credit score of 750 or higher qualify for PNB Housing Finance's lowest risk-spread discount off RPLR (starting from 7.50% – 8.50% p.a.) and benefit from fee waivers under seasonal digital campaigns.
जमा और FD ब्याज दरें - PNB_HF
इकाई: % प्रति वर्ष| जमा अवधि | शाखा दर (Branch Rate) | ऑनलाइन / नेटबैंकिंग दर 📱 |
|---|---|---|
| बचत खाता (Savings) | 0.1% | 0.1% |
| 1 महीना | - | 0% |
| 3 महीने | - | 0% |
| 6 महीने | - | 0% |
| 12 महीने (मानक ⭐) | 6.7% | 6.7% |
| 24 महीने | 6.85% | 6.85% |
| 36 महीने | 7.1% | 7.1% |
ऋण उत्पाद और ऑफर - PNB_HF
ऋण विवरण एवं नियम →होम लोनPNB_HF
6.5% /वर्ष
- • अधिकतम अवधि: 20 वर्ष
- • अधिकतम ऋण सीमा: मूल्य का 80%
कार लोनPNB_HF
6.5% /वर्ष
- • अधिकतम अवधि: 20 वर्ष
- • अधिकतम ऋण सीमा: मूल्य का 80%
पर्सनल लोनPNB_HF
10.5% /वर्ष
- • अधिकतम अवधि: 5 वर्ष
गोल्ड लोनPNB_HF
8.75% /वर्ष
- • अधिकतम अवधि: 3 वर्ष
- • अधिकतम ऋण सीमा: मूल्य का 75%
एजुकेशन लोनPNB_HF
6.5% /वर्ष
- • अधिकतम अवधि: 15 वर्ष
उन्नत ऋण कैलकुलेटर
PNB Housing Finance के लिए लोन ईएमआई (EMI) की गणना करें
PNB_HF की 8.5%/वर्ष प्रति वर्ष की ब्याज दर पर मासिक मूलधन और ब्याज का हिसाब लगाएं, विस्तृत पुनर्भुगतान तालिका देखें और एक्सेल डाउनलोड करें।
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