Punjab National Bank 🏔️ Dehradun Rate8.65% Branches35+

Punjab National Bank Home Loan in Dehradun 🏔️

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Quick answer (Punjab National Bank Dehradun)

Punjab National Bank home loan in Dehradun: 8.45-10.25% (typical 8.65%) with 35+ city branches. Dehradun average ticket ₹35.00 L at 8.65% over 20 years = ₹30,707/month EMI. Uttarakhand stamp duty: ~₹2.45 L. Disbursal: 3-5 days for pre-approved, 7-10 days for fresh applications.

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Mortgage Calculator

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$2,496

PITI

Principal + Interest

$1,996

58% goes to interest

Total Interest

$418,527

over 30 years

Monthly Breakdown

Principal & Interest$1,996

Property Tax (1.1%/yr)$344

Homeowner's Insurance (0.5%/yr)$156

Total Monthly$2,496

Principal vs Interest Split

42% principal

58% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Punjab National Bank in Dehradun

Punjab National Bank's Dehradun position.

PNB is the leading PSU lender in Dehradun with branches concentrated on Rajpur Road, Race Course and the Clement Town defence belt. The bank runs dedicated home loan desks for ONGC Dehradun, Survey of India and the AIIMS Rishikesh-IIT Roorkee academic corridor with strong defence pensioner relationships.

Branches in Dehradun

35+

2026 estimate

Typical rate

8.65%

8.45-10.25% repo-linked range

Disbursal speed

3-5 days for pre-approved

pre-approved customers

🏢 Pre-approval pipeline

Punjab National Bank's top employers in Dehradun.

For salary account holders at these Dehradun employers, Punjab National Bank typically offers pre-approved home loan offers within 30-45 days of consistent credit. Disbursal: 3-5 days for pre-approved, 7-10 days for fresh applications.

✓ ONGC Dehradun

✓ Indian Military Academy

✓ Survey of India

✓ AIIMS Rishikesh

✓ IIT Roorkee

✓ Forest Research Institute

✓ Wildlife Institute of India

✓ ONGC Academy

✓ Uttarakhand Government

✓ THDC India

✓ Doon University

✓ ICFRE Dehradun

🧮 Worked example

₹35.00 L Punjab National Bank home loan in Dehradun at 8.65% over 20 years

Loan amount

₹35.00 L

Punjab National Bank typical rate

8.65%

Term

20 years (240 months)

Monthly EMI

₹30,707

Total interest paid

₹38.70 L

Total paid (principal + interest)

₹73.70 L

+ Uttarakhand stamp duty (7%)

₹2.45 L

Punjab National Bank processing fee

0.35% of loan amount (max ₹15,000 for home loans). Concession during festival quarters.

❓ FAQ

Punjab National Bank Dehradun home loan FAQ.

What rate does PNB offer ONGC Dehradun employees? ▾

PNB offers 8.40-8.55% to ONGC and THDC India staff through its Tel Bhavan extension counter with maharatna PSU concession, full processing fee waiver and 30-year tenure.

PNB vs SBI for Dehradun defence personnel? ▾

SBI has the AGIF tie-up but PNB matches it on rate at 8.40% for IMA-Defence pensioners and offers better pre-EMI options for under-construction Mussoorie Road and Sahastradhara projects.

Can an AIIMS Rishikesh consultant get a 1-crore loan? ▾

Yes, with 30 lakh annual package, PNB sanctions up to 1.25 crore at 8.55-8.75% for properties in Rajpur Road, Sahastradhara Road or Jolly Grant near AIIMS.

PNB Gen-Next vs regular home loan — which is better? ▾

PNB Gen-Next is a niche product for salaried borrowers under 35 working in central/state government, PSUs, listed corporates, or MNCs. Rate is 20-40 bps below standard floating rate and LTV goes up to 90%. The eligibility filter is strict — if you qualify, take it.

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