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Doorstep Service
Doorstep Service

Doorstep service with dedicated relationship manager

PMAY Subsidy
PMAY Subsidy

PMAY subsidy benefits of up to Rs 2.67 lacs. T&C apply

Online Home Loan Facility
Online Home Loan Facility

Easier , faster and safer approval with minimal physical interface

24*7 Services Accessibility
24*7 Services Accessibility

Self Service portal for all post sales services support


Your 'Unnati' inspires us!

Owning a home for family is everyone's dream and it is still a dream of many. PNB Housing salutes the spirit with which you have faced the challenges of life in the pursuit of progress. We are certain that your present achievements are only a precursor to the many more dreams that are waiting to be fulfilled.We express our wish to be a partner in your aspiring journey by bringing you 'Unnati Loans', a unique and specially designed home loan solution that will help you realize the dream of living in a home, you can call your own.

So, whether you are a salaried individual of stable or local business entity or a self-employed individual like kirana shop owner, garment shop or other business set ups who may or may not have formal income proof but have sufficient income to serve obligations, your search ends here and Unnati home loan is a right product for you. The simplified loan procedures, minimal documentation and a bouquet of customer friendly services associated with 'Unnati Loans' is just our way of saying "We Care!"

Product Benefits
  • Maximum loan amount of up to Rs.35 lacs
  • Funding up to 90%* of market value of the property
  • Pan India branch network
  • PMAY subsidy of upto Rs. 2.67 lac**
  • Customised loan eligibility adjustable to your needs

*For home loan up to Rs 30 lacs
**For PMAY subsidy details, please refer or visit

  • Robust service delivery model - door step services ensuring easy and fast approval & disbursal of loans
  • Minimal formal income documentation
  • Lower EMIs with upto 30 years tenure
  • Trusted and reliable brand with over 33 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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Customer Speak

Yes, Dreams do come true
"Apna Ghar" has always been our dream, my wife and I are beyond thrilled that our loan nightmare is finally over and we have PNB Housing Unnati Home loans to thank for it. Without PNB Housing help, we would have continued to be tangled in a never ending paper work procedure. With their assistance, easy and minimal paperwork and customer friendly service we can now have our own house. In true sense they live up to their motto, "Ghar ki baat".
-Subhash Morya

Hassel free loan disbursement
My home construction work was long pending and I wanted to complete it on priority for my family's happiness. My never ending search for a loan came to an end with PNBHFL. With door to door customer support during the covid times, they helped us in providing quick loan approval and disbursement. My family is ecstatic to see our house getting constructed.
-Damini Jain

Unnati Home Loans has prepared me not only financially but mentally.
There was no money to buy a house and not all the papers to take a loan! Time was passing, and the motivation to buy a home was waning. In an advertisement I read about PNB Housing Unnati Home Loan Scheme! At that time I was not sure if this one step would help me achieve the most important goal of my life. The loan tenure of 30 years and easy EMI options made me mentally ready to take the loan! Today I have my own house, I have fulfilled the dream of my parents
-Ashish Jangid

Hope only for own roof
There was always a desire for a home, but didn't have courage, Nor did I have the ability to pay that high down payment! With the PNB Housing Unnati Home Loan scheme, a new hope has arisen in my mind that maybe now I will have my own house! Came to know that without wasting any time, one can get a home loan up to 90% of the value of the house that too with a 30 years long and easy EMI policy... Now very soon me and my whole family will be in our own house.
-Ravi Sharma

Got the loan without any hassle
The fear of loans and the huge EMIs that come with it always bothered me and I was not able to take the decision of buying my home even if I wanted to. I didn't even have all the documents to apply for the loan. But PNB Housing Unnati Home Loan scheme is different from others. The aim is to help people like me to build their own homes. Like they say "ghar ki baat... without any hassle, very easy paperwork and EMI tenure of 30 years, I live in my own house in Jaipur today

Documents required
  • Duly filled Application Form with Photograph and PAN card
  • Age Proof (PAN Card, Passport etc.)
  • Residence Proof (Passport, Aadhar Card, Driving License etc.)
  • Income documents (Salary Slips, Form 16, Bank statement)
  • Photocopy of Title Documents of the Property, Approved Plan
Self Employed
  • Duly filled Application Form with Photograph and PAN card
  • Age Proof (PAN Card, Passport etc.)
  • Residence Proof (Passport, Aadhar Card, Driving License etc.)
  • Income documents (2 years ITR if available, Bank Statement)
  • Photocopy of Title Documents of the Property, Approved Plan
Step 1: Our sales executive will get the application form filled from customer and will submit loan application along with required set of documents.
Step 2: Application would be assessed on the basis of various eligibility and funding norms.
Step 3: A property valuation and title check may be carried out by the company representative to determine the property value and legal clearance of the property to arrive at the loan amount.
Step 4: Based on the internal and regulatory guidelines, PNB Housing may approve or reject the loan application.
Step 5: Submission of the original property documents are required along with signing of agreements, handing over of registered property papers and submission of NACH/ECS.
Step 6: Upon finding all the documents in order, PNB Housing will disburse the loan amount to the developer/contractor/seller based on the progress of construction. The EMI/Pre-EMI will commence after the disbursement.

You are eligible for a loan if you an Indian citizen or a person of Indian origin and are a salaried/self-employed professional/businessman. Unnati Home loan is specially designed for the salaried/self-employed customer, who may or may not have sufficient income documents but have sufficient income to service monthly EMIs. So whether you are a salaried individual or owning a self-business set up, Unnati Home loan is a right product for you.

Your loan eligibility will be determined by PNB Housing on the basis of income, age, qualification, number of dependents, assets, liabilities, stability and continuity of occupation, savings and prior credit history among other factors. Further, the loan eligibility will also be dependent on the value of the property selected by you. You can also check your eligibility using our eligibility calculator.

Yes, Customers have the facility to apply for loan online.

All you have to do is sign up on 'ACE' platform, fill up the online application form, upload KYC and income documents, pay initial processing fee online, e - sign and submit the application.

For more details, please visit our website and click on 'Online home Loan' to get started!

A beneficiary family not owning a pucca house in any part of the India is eligible for this subsidy subject to income criteria as defined for the family under various schemes for EWS/LIG. Through this scheme, the beneficiary is eligible to avail interest subsidy on the purchase/construction of a house/enhancement of a dwelling unit. For more details, please refer PMAY section on our website.
Yes, commercial property purchase i.e. NRPL (non-residential property loan) facility is available under Unnati Loans.
Yes, it can be prepaid without any foreclosure charges for salaried/self-employed individual profile customers.
Customer should ensure that the property is insured against uncertainties like earthquake, fire or damage and destruction due to natural and man-made calamities, during the tenure of the loan.

We can fund upto 90%* of property value for salaried individuals and upto 80%* for self-employed individuals applying for home loan.

In case of Non Residential Property Purchase, we can fund upto 70%* of cost of purchase or market value, whichever is lower.

Unnati home loan can be extended to self-employed customers who do not have formal income proof. However, these customers need to have sufficient income to service monthly EMIs. In all these cases, customers to have independent business set up.
Yes, plot plus construction loans can be funded subject to the following:
  • Plot is identifiable and demarcated.
  • Plots to be located within municipal limits only.
  • Loan towards construction would be disbursed in tranches as per the stage of construction.
  • Loan amount would be disbursed subject to market value of property as per internal company guidelines.
Yes, Balance Transfer facility is available from specific financial institutions.
Yes, Seller BT facility is available from specific financial institutions.

This facility is available only for applicants working with government organizations.

For non-government employees, cash salary can be considered for any of the applicant/s subject to the other co-applicant/s getting salary by cheque.

Minimum household income Unnati loans is INR 15000 p.m.

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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 CIN : L65922DL1988PLC033856

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