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Minimum Income - ₹10,000 P.M.
Minimum Income - ₹10,000 P.M.

With an earning as low as INR 10,000.

Minimum Documentation
Minimum Documentation

Minimal formal income documentation.

30 Years Loan Tenure
30 Years Loan Tenure

Lower EMIs with up to 30 years of tenure.

Home loan up to 35 lakhs
Home loan up to 35 lakhs

Home Loans ranging from INR 5 lakhs to INR 35 lakhs.

Roshni Home Loans by PNB Housing Finance

PNB Housing Finance has launched a new affordable home loan scheme - Roshni Home Loans - in line with its long-term vision of empowering and supporting an individual's dream of owning a home. Roshni Home Loans assists loan applicants in overcoming qualifying restrictions, whether they are first-time credit users, self-employed with informal income from a low/middle income group and have a monthly household income as low as INR 10,000.

Product Benefits
  • Home Loans ranging from INR 5 lakhs to INR 35 lakhs
  • Minimal formal income documentation
  • Lower EMIs with up to 30 years of tenure
  • Funding up to 90%* of the property's market value
  • Attractive rates of interest starting from 10.50*%
  • Tailored eligibility program to suit your requirements.
  • Robust service delivery model - doorstep services
  • Pan India branch network
  • Trusted and reliable brand with over 35 years of experience


Loan Amount500000 in lacs

ROI 7.35

Tenure 30 in Years

EMI Payable per Month


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Gross Monthly Income10000 in INR

ROI 10.75

Tenure 30 in Years

Other Existing EMIs 10 in INR

EMI Payable per Month


Eligible Loan Amount per Month


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Disclaimer : As regards deposit taking activity of PNB Housing Finance Limited (hereinafter referred to as "the Company", the viewers may refer to the advertisement in the newspaper/ information furnished in the application form for soliciting public deposits. The Company is having a valid Certificate of Registration dated 31.07.2001 issued under Section 29A of the National Housing Bank Act, 1987. However, the Reserve Bank of India or the National Housing Bank does not accept any responsibility or guarantee about the present position as to the financial soundness of the Company or for the correctness of any of the statements or representations made or opinions expressed by the Company and for repayment of deposits/ discharge of the liabilities by the Company. *For home loan up to Rs 30 lacs. All Loans are at the discretion of the Company. For detailed terms & conditions, refer website of the Company www.pnbhousing.com. CIN : L65922DL1988PLC033856

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