Punjab National Bank Home Loan - Fees and Charges

Type Of Scheme


Processing Fees*

Documentation Charges*


Housing Loan

For Rs.300 lac- 0.50% of loan amount Maximum Rs.20000/- For above - Rs.50000/-


Mortgage against Immovable Property

Term Loan: 0.90% of loan amount, Maximum Rs. 45000/- Working Capital: Rs 300/- per lac or part thereof on yearly basis

Rs. 1500/-

Reverse Mortgage Loan

Half month’s Loan installment Maximum Rs. 15000/-


Overdraft to Existing Housing Loan Borrowers



Non- Mortgage

Car Loan

1% of the loan amount (Max. Rs. 6000/-)

Two Wheeler Loan

Regular Rs.275/-

Regular Rs.275/-

Education Loan

For Studies in India- NIL
For Studies abroad- 1% Minimum Rs.10000/- (Refundable after 1stDisbursement)

Upto Rs.4 lac – Rs.270/-
Above Rs.4 lac- Rs.450/-

Personal Loan

1.80% of loan amount

Upto Rs. 2 lac- Rs. 270/-
Above Rs. 2 lac- Rs. 450/

Personal Loan to Pensioners


Rs. 500/-

Gold Loan

0.70% of Loan Amount

Upto Rs. 2 lac- Rs. 270/-
Above Rs. 2 lac- Rs. 450/-

*All charges are excluding Service Tax
Security Inspection/ Verification Charges - Retail Advances



Proposed Inspection Charges

Car Loan

Where the loan account is running regular the requirement of periodical Inspection, including obtaining of PNB 551, has been done away with.


For irregular accounts and accounts under NPA category, the inspection be done on at least quarterly or at such shorter intervals as the situation demands and PNB 551 to be obtained on half yearly basis

Rs 100/- + service tax

Two Wheeler Loan

Same as applicable to Car Loan

Rs 50/- + service tax

Housing Loan

Security Verification after creation of Security to be carried out once in two years for regular accounts

Rs 250/- + service tax

At least on half yearly basis in case of NPA accounts.

Rs 250/- + service tax

Advance against Mortgage of Immovable Property

At least Once every year for regular accounts;

Rs 250/- + service tax

At least once every half year for irregular accounts; and

At least once in three months for NPA accounts.

Education Loan where Immovable Property has been taken exclusively as Collateral Security

At least once in three years (as prescribed in L&A cir 7/2009 dated 09.01.2009)

Rs 250/- + service tax

Reverse Mortgage

The inspection of the property must be done on an annual basis

NIL inspection charges have been stipulated in the scheme

Punjab National Bank Home Loan in Delhi NCR through LoanMoney

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