PNB Housing Finance Limited is a wholly owned subsidiary of Punjab National Bank, one of the leading nationalized banks. PNB provides a wide array of home loans to address varied customer needs.

PNB Apna Ghar Yojana home loans are meant for construction or for acquisition/ purchase of house/ flats. The minimum loan amount would be Rs.50,000/- and maximum loan amount depends on the repayment capacity of the borrower. In case of joint application, income of borrowers /co-borrowers are clubbed together for calculation of loan eligibility. The loan repayment is in Equated Monthly Installments (EMI) over a maximum period of 20 years.

PNB Ghar Sudhar Yojana home loans are offered for upgradation, renovation or repair of house/flat. It includes among others, internal and external repairs, water proofing, roofing, flooring, electrical, woodwork etc. The loan amount ranges from a minimum of Rs 50,000 to a maximum of Rs. 10,00,000. Borrower's minimum contribution will be 25% of the estimated cost of repairs/renovations.

PNB provides loans to individuals against mortgage of their existing residential immovable property situated in urban/semi-urban/metro centres. By mortgaging their existing immovable property, borrowers can avail of loans for purposes such as education, marriage of children, family function, foreign travel, medical expenses etc.