Punjab National Bank 🛕 Patna Rate8.65% Branches52+

Punjab National Bank Home Loan in Patna 🛕

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Quick answer (Punjab National Bank Patna)

Punjab National Bank home loan in Patna: 8.45-10.25% (typical 8.65%) with 52+ city branches. Patna average ticket ₹28.00 L at 8.65% over 20 years = ₹24,566/month EMI. Bihar stamp duty: ~₹2.24 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 Patna

Punjab National Bank's Patna position.

PNB commands the largest PSU retail footprint in Patna with anchor branches at Fraser Road, Boring Road and Kankarbagh. The bank is the default home loan provider for Bihar Government employees, Patna High Court staff and the AIIMS Patna-Phulwari Sharif medical corridor with dedicated salary tie-ups.

Branches in Patna

52+

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 Patna.

For salary account holders at these Patna 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.

✓ Bihar Government

✓ AIIMS Patna

✓ IIT Patna

✓ Patna High Court

✓ NIT Patna

✓ Bihar Police

✓ Indian Oil Barauni

✓ NTPC Barh

✓ East Central Railway

✓ Bihar State Electricity Board

✓ Patna Municipal Corporation

✓ Magadh Stock Exchange

🧮 Worked example

₹28.00 L Punjab National Bank home loan in Patna at 8.65% over 20 years

Loan amount

₹28.00 L

Punjab National Bank typical rate

8.65%

Term

20 years (240 months)

Monthly EMI

₹24,566

Total interest paid

₹30.96 L

Total paid (principal + interest)

₹58.96 L

+ Bihar stamp duty (8%)

₹2.24 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 Patna home loan FAQ.

What rate does PNB offer Bihar Government employees in Patna? ▾

PNB offers 8.40-8.55% to Bihar Govt and Patna High Court staff through its Fraser Road corporate branch with check-off facility, full processing fee waiver and 9 EMI insurance cover.

PNB vs SBI for Patna home loans? ▾

Both are at par on rates but PNB has 30% more branches in Kankarbagh, Rajendra Nagar and Patliputra, with stronger penetration in the AIIMS Patna and IIT Patna salary corridor.

Can an IIT Patna assistant professor get an 80-lakh loan? ▾

Yes, with 22 lakh CTC and confirmation letter, PNB sanctions up to 90 lakh at 8.45-8.65% for properties in Patliputra Colony, Boring Road or Bailey Road.

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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