How much will I save on balance transfer?
Current Loan
Loan Amount
Tenure
Rate of Interest
Installments Paid
Eg. 40
New Loan
Processing Fees
Tenure
Rate of Interest
₹1,27,468
EMI Tenure will be increased by 40 Months
Current Interest
7,19,577
New Interest
5,72,874
Current EMI Tenure
10 Years
New EMI Tenure
10 Years
Outstanding Principal 19,23,438
EMI 34671

Transfer Your Home Loan to Punjab National Bank and Lower Your EMIs

Looking to reduce the burden of your home loan EMIs? With the PNB Home Loan Balance Transfer facility, you can switch your existing loan to Punjab National Bank and take advantage of lower interest rates, flexible repayment options, and quick processing. Whether you're a salaried professional or self-employed, PNB’s home loan transfer helps you save more and repay smarter.

Why Choose PNB for Home Loan Balance Transfer?

Attractive Interest Rates
Reduce your EMI burden with PNB's competitive balance transfer interest rates, starting from as low as 8.55%* per annum.

Top-Up Loan Option
Get additional funding to manage expenses like home renovation, education, or emergencies along with your balance transfer.

Fast Processing and Minimal Paperwork
Enjoy a streamlined transfer process with minimal documentation and fast approval turnaround.

Flexible Repayment Tenure
PNB offers flexible loan repayment terms of up to 30 years, helping you manage finances comfortably.

Trusted Government Bank
As a leading public sector bank, PNB brings decades of reliability, robust customer support, and secure banking practices.

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Is Property Finalized?
When are you planning to finalize?

Key Features of PNB Home Loan Balance Transfer

Feature Details
Interest Rate Starting from 8.55%* per annum
Loan Tenure Up to 30 years
Processing Fee Low and transparent charges
Top-Up Facility Available, subject to eligibility
Loan Amount Up to 80–90% of property market value
Disbursal Time Within 5–7 working days after documentation

Who Should Opt for PNB Balance Transfer?

  • Borrowers paying higher EMIs with other lenders
  • Individuals seeking lower interest rates on their existing home loans
  • Salaried and self-employed professionals with consistent income
  • Homeowners with at least 12 months of EMI repayment history
  • Applicants looking for an additional top-up loan for personal needs

How to Apply for PNB Home Loan Balance Transfer

  • Step 1: Check your eligibility online or consult with a PNB representative
  • Step 2: Submit your loan documents either online or at your nearest PNB branch
  • Step 3: Get your application verified and approved
  • Step 4: PNB disburses the amount to your current lender and activates the new loan

Documents Required

  • Identity Proof (Aadhaar, PAN)
  • Address Proof
  • Income Documents (Salary slips or ITRs)
  • Property Papers (Sale deed, chain of title)
  • Existing Loan Statement (last 12 months)
  • Bank Account Statement (3–6 months)

Use the PNB EMI Savings Calculator

See how much you can save by transferring your home loan to PNB. Use the EMI calculator to compare your current EMI with PNB’s interest rate and discover potential monthly and lifetime savings.

Start Saving with PNB Home Loan Balance Transfer

Don’t let a high-interest home loan slow down your financial progress. Switch your loan to Punjab National Bank and enjoy lower EMIs, extra funding, and banking you can trust. Apply Now on TyTil.com

 

Frequently Asked Questions

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A balance transfer lets you move your outstanding home loan from one bank to another with better interest rates or repayment terms.
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PNB offers low interest rates, a trusted banking network, additional top-up loans, and flexible tenure options.
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Yes, subject to your eligibility and credit profile, you can avail a top-up loan during the balance transfer process.
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PNB charges a nominal processing fee, which is disclosed upfront during application.
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Loan approval and disbursal typically happen within 5–7 working days after successful document verification.