Punjab National Bank 🏰 Jaipur Rate8.65% Branches64+

Punjab National Bank Home Loan in Jaipur 🏰

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Quick answer (Punjab National Bank Jaipur)

Punjab National Bank home loan in Jaipur: 8.45-10.25% (typical 8.65%) with 64+ city branches. Jaipur average ticket ₹40.00 L at 8.65% over 20 years = ₹35,094/month EMI. Rajasthan stamp duty: ~₹2.80 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 Jaipur

Punjab National Bank's Jaipur position.

PNB has deep PSU roots across Jaipur with branches concentrated in C-Scheme, Malviya Nagar, Vaishali Nagar and the Mansarovar belt. The bank dominates Rajasthan government salary accounts and runs dedicated home loan desks at its Tonk Road and MI Road corporate branches catering to Sitapura SEZ and Mahindra World City employees.

Branches in Jaipur

64+

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 Jaipur.

For salary account holders at these Jaipur 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.

✓ Rajasthan Government

✓ RIICO

✓ Mahindra World City Jaipur

✓ Genpact Jaipur

✓ Infosys Jaipur

✓ Wipro Mansarovar

✓ Deloitte USI Jaipur

✓ EXL Service

✓ SMS Group

✓ Vedanta HZL

✓ Rajasthan Royals Sports

✓ JK Lakshmi Cement

🧮 Worked example

₹40.00 L Punjab National Bank home loan in Jaipur at 8.65% over 20 years

Loan amount

₹40.00 L

Punjab National Bank typical rate

8.65%

Term

20 years (240 months)

Monthly EMI

₹35,094

Total interest paid

₹44.23 L

Total paid (principal + interest)

₹84.23 L

+ Rajasthan stamp duty (7%)

₹2.80 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 Jaipur home loan FAQ.

What rate does PNB offer Rajasthan Government employees in Jaipur? ▾

PNB offers 8.40-8.55% for state government employees through its C-Scheme corporate branch, with full processing fee waiver on loans above 50 lakh and same-day sanction for confirmed salary accounts.

PNB vs SBI for Jaipur home loans? ▾

SBI has marginally lower rates at 8.40% but PNB offers faster turnaround for Rajasthan Govt staff and better LTV at 90% for under-60-lakh tickets in Mansarovar and Jagatpura.

Can a Sitapura SEZ employee get a 75-lakh loan with PNB? ▾

Yes, with 18 lakh annual CTC and 720+ CIBIL, PNB sanctions up to 80 lakh at 8.55-8.75% for IT employees at Sitapura, Mahindra World City and EPIP Sitapura.

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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