- Private salaried
- Government salaried
- Business
- Home Loan
- Plot Loan
- Home Construction Loan
- Roshni Home Loan
- Home Extension Loan
- Home Improvement Loan
- Loan Against Property
- Fixed Deposit
PNB Housing Finance Limited
Jamnagar - 361008
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- Private salaried
- Government salaried
- Business
- Home Loan
- Plot Loan
- Home Construction Loan
- Roshni Home Loan
- Home Extension Loan
- Home Improvement Loan
- Loan Against Property
- Fixed Deposit
Our Products
PNB Housing's housing loans epitomize accessibility, flexibility, and reliability, catering to diverse aspirations and financial needs of prospective homeowners.
Home Loan
Experience the joy of homeownership with PNB Housing's Home Loan. We provide attractive interest rates and customizable repayment options that make financing your new home easier than ever. You’ll benefit from a hassle-free application process, quick approvals, and personalized assistance tailored to your unique needs. Our dedicated team will guide you every step of the way, ensuring a smooth experience from start to finish. With tenures ranging up to 30 years, managing your EMIs is simpler, making your dream of owning a home an achievable goal.
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Plot Loan
Invest in your future with our Plot Loan, tailored to help you purchase the ideal land for your needs. Our offering comes with competitive interest rates and flexible repayment options, allowing you to manage your finances effectively. Enjoy the benefit of expert guidance throughout the entire process, ensuring that your application is straightforward and hassle-free. Whether you aim to build your dream home or secure an investment, our dedicated team is here to support you at every step. Let us help you turn your vision into reality while you focus on creating your perfect space.
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Home Construction Loan
Turn your dream of building a home into reality with PNB Housing’s Home Construction Loan. Our customized financing options cater to various construction needs, providing you with the funds necessary to undertake your project confidently. Enjoy competitive interest rates, along with flexible repayment terms that can adapt to your financial situation. Our dedicated team offers comprehensive support throughout the construction journey, ensuring that you have the guidance needed at every stage. From planning to execution, we are here to help you build a home that perfectly aligns with your vision and lifestyle.
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Roshni Home Loan
The Roshni Home Loan is crafted to empower Indians in their pursuit of homeownership keeping a focus towards Pradhan Mantri Awas Yojna – Housing for all. With attractive interest rates and customized terms, this loan simplifies the process of buying your dream home. We prioritize your experience by offering a straightforward application process with dedicated support. Our team is here to assist you every step of the way, ensuring that you have the guidance you need to navigate the paperwork and requirements. Take the leap into homeownership with confidence, knowing that we are here to support you throughout your journey.
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Home Extension Loan
Tailored for homeowners, this home loan variant provides the funds necessary to expand your living space effortlessly for creating the perfect environment for your family. With competitive interest rates and flexible repayment options, you can manage your finances with ease. Our dedicated team offers personalized guidance throughout the application process, ensuring a smooth experience from start to finish. Enhance your home and improve your quality of life with our Home Extension Loan, designed to meet your unique needs.
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Home Improvement Loan
Transform your home into your dream space with our Home Improvement Loan. We offer tailored financing options to meet your renovation needs, providing competitive interest rates and flexible terms. Enjoy a streamlined application process, allowing you to access funds quickly and efficiently. Our dedicated team will assist you at every step, ensuring you have the support needed to enhance your home’s aesthetics and functionality. Whether it’s a small upgrade or a major renovation, our Home Improvement Loan makes it easier for you to create the perfect living environment that reflects your style.
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Loan Against Property
Unlock the value of your property with our Loan Against Property, a flexible financial solution designed to meet your personal or business needs. Leverage your fixed asset to access funds with competitive interest rates and manageable repayment terms. Our quick approval process ensures you receive the funds without unnecessary delays. With personalized support from our dedicated team, you can navigate the application confidently, making it easier to utilize your property’s potential. Whether for investment, education, or emergencies, our Loan Against Property provides the financial support you need to achieve your goals.
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Fixed Deposit
Secure your financial future with PNB Housing’s Fixed Deposit plan, designed for safe and rewarding savings. Our offerings feature attractive interest rates and guaranteed returns, making it a smart choice for your investment. Choose from flexible tenures that suit your financial goals, ensuring your savings grow over time. Our expert guidance will help you make informed decisions about your fixed deposit investments, ensuring a secure and rewarding experience as you work toward achieving your financial goals.
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About PNB Housing Finance Limited
PNB Housing Finance Limited (PNB Housing) is among the leading housing finance companies in India registered with National Housing Bank (NHB). Our product portfolio consists of individual housing loans, loans against property, non- residential premises loans, corporate loans and we also accept public deposits. Through our dedicated segment Roshni, we offer home loans for affordable housing segment. With a focus on customer needs and delivering value, PNB Housing aims to provide accessible housing finance solutions to aspiring homeowners across India.
Nearby Branches
Jamnagar - 361008
Rajkot - 360001
Rajkot - 360001
Morbi - 363641
Junagadh - 362001
Our Locations
PNB Housing Finance Limited
No. 403, Corporate House, Nehru Road, Park Colony, Opp. SNT. Anns School Jamnagar
Jamnagar - 361008
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Ratings & Reviews
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Jayprakash Dholakia
Categories
- Fixed Deposit
- Home Construction Loan
- Home Extension Loan
- Home Improvement Loan
- Home Loan
- Loan Agianst Property
- Plot Loan
- Roshni Home Loan
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News & Articles
Latest News & Articles from the Blog Posts
PNB Housing's housing loans epitomize accessibility, flexibility, and reliability, catering to diverse aspirations and financial needs of prospective homeowners. With a steadfast commitment to facilitating homeownership dreams, PNB Housing stands as a beacon of trust, offering a myriad of tailored loan solutions. Leveraging its extensive expertise in the housing finance sector
Home is where happiness begins, and the joy of togetherness makes every celebration special. This Eid, may your home be filled with love, laughter, and cherished moments with your loved ones. May prosperity and peace always be with you. At PNB Housing Finance, we believe in building dreams and securing homes where families create beautiful memories. Wishing you and your family a joyful and blessed Eid! ;
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Some feelings can’t be put into words—like stepping into your own home for the first time. Every corner, every little moment, and every cherished memory make it truly special. At PNB Housing Finance, we understand the emotions behind owning a home, and we are here to help you turn that dream into reality. With easy home loan solutions, competitive interest rates, and flexible repayment options, we ensure that your journey to homeownership is smooth and hassle-free. Experience this priceless joy with PNB Housing Finance and take the first step toward a home that’s truly yours!;
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Low Credit Score? Your home loan is still within reach with PNB Housing Finance! Worried that a low credit score might stop you from owning your dream home? Think again! At PNB Housing Finance Limited, we believe that everyone deserves a chance to have their own home. With our flexible home loan options and easy approvals, your dream of homeownership can still become a reality. Here’s how you can boost your chances of approval: Make a higher down payment to show commitment and reduce risk. Provide stable income proof to assure lenders of your repayment capacity. Apply with a co-applicant to enhance your eligibility. At PNB Housing Finance, we offer personalized guidance to help you navigate the process, ensuring that low credit scores don’t stand in the way of your dreams. Our expert team works with you to find the right solutions, tailored to your needs. Don’t let a credit score hold you back—take the first step toward your new home with PNB Housing Finance Limited today!;
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Foundation as steady as Kailash, blessings as strong as Shiva’s Trishul, and a home as nurturing as Shakti’s grace. This Maha Shivratri, with PNB Housing, take a step towards your dream home with trust, strength, and reliability. May Lord Shiva’s divine grace bring peace, stability, and success to your life.;
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Cricket isn’t just a sport—it’s a festival that unites every Indian home. The tension before the last ball, the loud cheers, and the joyous celebrations—every moment is special when shared at home with family. At PNB Housing Finance, we believe in the magic of home. Because no matter how big the victory, the best celebrations always happen where your heart belongs. ;
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Home-cooked food is more than just a meal—it’s an emotion, a comforting embrace of love and belonging. Similarly, a home is not just four walls; it’s a space filled with warmth, security, and cherished memories. At PNB Housing Finance, we understand this deep connection and are here to help you turn your dream home into reality with seamless home loan solutions. With our flexible financing options, competitive interest rates, and hassle-free approvals, owning a home has never been easier. Let us help you build not just a house, but a haven of love and security for you and your family. Visit your nearest PNB Housing Finance to get in touch today and take the first step towards your dream home! ;
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Make your dream home a reality with PNB Housing Finance. Times may change, and styles may evolve, but the feeling of owning your dream home remains timeless. At PNB Housing Finance, we’re here to turn your vision into reality with hassle-free home loan solutions tailored to your needs. Whether it’s your first home or an upgrade to match your evolving style, our housing finance with flexible repayment options, and expert guidance make the journey smooth and stress-free. Avail our home loan and start your journey with PNB Housing Finance today—because a home is always a home. ;
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This Lohri, fuel your dreams with smart financial moves. Let PNB Housing Finance guide you to your dream home! Happy Lohri! ;
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The year 2024 has been a cinematic journey for PNB Housing Finance, where we have turned home loan aspirations into tangible realities. Our focus on efficient processes and swift disbursals has enabled countless families to embark on their homeownership journeys with confidence. Each loan we have facilitated is a testament to our commitment to making dreams come true. As we step into 2025, we are excited to continue this mission, creating more heartwarming stories of homecomings and new beginnings. Let us embrace the future together, filled with hope and possibilities! Here’s to creating even more dream-come-true moments in 2025. ;
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Guess who’s bringing the spirit of Christmas to your doorstep? It’s me, Roshni! While he’s busy with presents, I’m here delivering something even better—the joy of dream homes! Get loans ranging from INR 5 lakhs to INR 50 lakhs and funding up to 90% of the property’s market value, with PNB Roshni Home Loans, where we are committed to making your dreams a reality. May your Christmas be filled with light, laughter, and moments that make life brighter. Celebrate this festive season by making your dreams come true! ;
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Frequently asked Question
Step 1: Submit your loan application along with required set of documents. Step 2: Your application would be assessed on the basis of various eligibility and funding norms. Step 3: A property valuation and title check may be carried out by the company representative to determine the property value and legal clearance of the property to arrive at the loan amount. Step 4: Based on the internal and regulatory guidelines PNB Housing may approve or reject the loan application. Step 5: Submission of the original property documents are required along with signing of agreements handing over of registered property papers and submission of post-dated cheques/ECS. Step 6: Upon finding all the documents in order PNB Housing will disburse the loan amount to the developer/contractor based on the progress of construction. The EMI/Pre-EMI will commence after the disbursement.
You are eligible for a loan if you are an Indian citizen or a person of Indian Origin and are a salaried/ self- employed professional/ a businessman. Your loan eligibility will be determined by PNB HFL on the basis of professional income, age, qualifications, number of dependents, co-applicant’s income, assets, liabilities, stability and continuity of occupation, savings and prior credit history. Further, the loan eligibility will also be dependent on the value of property selected by you.
We can fund up to 90% of the property value in case of Home Loan and up to 60% in case of Loan Against Property. However, PNB HFL funding norms may change from time to time and from property to property or based on the loan amount.
Yes, you can avail re-finance at applicable Home Loan rate within 6 months from the date of property purchase.
Your loan is repaid through Equated Monthly Instalments (EMI) which includes principal and interest component. EMI repayment starts from the month subsequent to the month of final disbursement. Pre-EMI Interest is the simple interest payable every month till the time loan amount is not fully disbursed.
Property insurance is mandatory in order to protect your property against uncertainties like earthquake, fire, or any damage and destruction due to natural and man-made calamities during the tenure of the loan.
Fixed Deposit will be accepted from Resident Individual/ HUFs /Public/Private companies /Non-Resident Indians/ Co-operative Societies / Co-operative Banks/ Trust / Association of person PF Trust etc.
A prospective depositor has to fill prescribed 'Deposit Application Form' along with all KYC documents and an accounts payee cheque/ Demand Draft/ NEFT/ RTGS in favour of PNB Housing Finance Limited. Deposit applications are available at all PNB Housing branches and with its authorized brokers. Deposit forms could be downloaded from company’s website – www.pnbhousing.com.
Cumulative Deposit – INR 10000 Non-Cumulative Deposit – Monthly Income Plan – INR 100000 Quarterly Income Plan – INR 50000 Half yearly Income Plan– INR 20000 Annual Income Plan – INR 20000
If a customer is a resident Indian individual/entity/trust the minimum tenure is 1 year and maximum tenure is 10 years.
In terms of the Prevention of Money Laundering Act 2002, the rules notified there under and KYC guidelines issued by the Reserve Bank of India (RBI), every depositor is required to comply with the KYC requirements by submitting the following document: Latest photograph. Certified copy of proof of identity such as Pancard, Aadhar Card, Passport etc. Certified copy of proof of address for Corporate it is certificate of incorporation, Pancard, Registration no. / trust deed.
Yes, loan facility is available at the discretion of PNB Housing which can be availed only after three months from the date of deposits and up to 75% of the deposit amount subject to certain terms and conditions. Interest rate on such loans will be 2% higher than the rate of interest on the deposit being paid to depositor.