🇮🇳 India

Punjab National Bank

Uttar Pradesh 1450+ branches

Punjab National Bank Home Loan in Uttar Pradesh.

Quick answer: Punjab National Bank home loan rate in Uttar Pradesh: 8.45-10.25% (typical 8.65%). Average Uttar Pradesh home loan ticket: ₹26.00 L. State stamp duty: 7% (~₹1.82 L extra). Typical EMI on a 20-year loan: ₹22,811/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📍 Punjab National Bank in Uttar Pradesh

Punjab National Bank's Uttar Pradesh positioning.

Punjab National Bank operates 1,450+ UP branches with Lucknow Hazratganj Circle Office anchoring, plus deep penetration in Kanpur, Varanasi, Allahabad/Prayagraj, Meerut, and Agra. PNB is the second-largest PSU presence in UP after SBI and serves the central government, defence, railways, and UP state-government salary book heavily.

Punjab National Bank branches in Uttar Pradesh

1450+

Uttar Pradesh stamp duty

of property value

Avg loan ticket

₹26.00 L

in Uttar Pradesh

💡 Why this combination is interesting

PNB's UP moat is the central PSU and central-government employee salary-account base — Indian Railways (North Central Railway Allahabad and Northern Railway Lucknow divisions), AAI Lucknow, NTPC Dadri/Singrauli, and UP state-government employees default to PNB by tradition. After the Oriental Bank and United Bank merger, PNB's combined UP footprint exceeds SBI's in select Kanpur and Allahabad districts. PNB's home-loan rate of 8.40% for women applicants matches SBI, and UP's 7% stamp duty with 1% women rebate stacks to deliver competitive sub-30-lakh ticket pricing.

🧾 Uttar Pradesh tax context

How Uttar Pradesh taxes affect your Punjab National Bank EMI.

Professional Tax (Uttar Pradesh)

Uttar Pradesh does NOT levy Professional Tax. Saves ₹2,500/year vs Maharashtra/Karnataka.

HRA tier (Section 10(13A))

Uttar Pradesh Lucknow is HRA tier-2 non-metro: 40% of basic salary as HRA exemption. Lower than metros — limits HRA benefit despite local rent costs.

❓ FAQ

Punjab National Bank in Uttar Pradesh — common questions.

Does PNB offer special home loan rates for North Central Railway Allahabad employees?

Yes. PNB Allahabad/Prayagraj Civil Lines and Sangam Park branches run dedicated North Central Railway and AAI corporate salary desks with pre-approved home loans up to 50 lakh at 8.40-8.45% and waived processing fees.

EMI on a 26 lakh PNB home loan in Kanpur for 20 years?

At PNB's 8.50% floating rate for salaried borrowers, 26 lakh over 240 months gives EMI of Rs 22,567, total interest Rs 28.16 lakh, total outflow Rs 54.16 lakh. Women applicant at 8.40% pays Rs 22,396.

Is PNB still strong in UP after the Oriental Bank merger?

Yes. The PNB-Oriental Bank-United Bank merger consolidated three legacy UP networks into one. PNB now has 1,450+ UP branches with combined customer bases in Kanpur, Lucknow, Allahabad, and Meerut that exceed pre-merger PNB by roughly 60%.

Punjab National Bank Home Loan in Uttar Pradesh.

EMI Calculator

Punjab National Bank's Uttar Pradesh positioning.

How Uttar Pradesh taxes affect your Punjab National Bank EMI.

Punjab National Bank in Uttar Pradesh — common questions.

More combinations.

Punjab National Bank in other states

Other banks in Uttar Pradesh