PNB Housing Finance Limited

I have visited pnb hfl due to high roi, during visit met with mrs shalu sharma and she offer me low roi. Which I found satisfactory. I am impressed with her prompt services provided on time and having great experience with pnbhfl.

This is by far the worst banking experience I've ever had. It took more than 45 days just to process a simple loan foreclosure. The staff is extremely slow and unprofessional, and the entire process lacks efficiency and transparency. I would not recommend this bank to anyone seeking timely and reliable service.

Genuine & Honest Review: Never take loan from this bank. I got a call from Uttam Singh one of the representative from this bank and he told to offer me loan but the process took more than 2 months and still I am waiting for the loan and now the party has canceled the deal with me beacause he got different party and this happened beacuse of this long delay from the bank side. I HIGHLY recommend NOT to come in their trap otherwise you will face LOT of challenges. They give WORSE service. I have given Uttam Singh Rs4530 and he told me that he can only refund Rs2950. I really think they trap us to complete their targets and after that they don't care about customers at all.

Bhai private se private me chle jana lekin is pnb bank m bilkul bhi aaply mat Krna pnb ki is branch me, yha ka staff tumhare loan ki process jaan bujhkar late krta hai, aur paise alg lete hai customer se ulte sidhe kharche bata kar. Meri home loan ki file log in krne me 2 mahine laga diye. Bhut bekar ghatiya service hai.complain kro to uska bhi kuch matlab nhi nikalta.

Kahi se bhinloan le lena...lekin PNB se kabhi mat lena...nihati ghatiya log n services hai yaha ki

Worst!! Pathetic!! Unfriendly!! I am writing this review after my personal experience with PNB Housing Finance, and I can confidently say this is one of the most unprofessional and customer-unfriendly financial institutions I have ever dealt with. Also, they don't follow Repo Rate reduction from RBI, when other Banks are offering 7.5-7.8% ROI, they were still Charging 8.9%, after following up with them for 3 months they reduced it by 0.10 paisa!! Please read carefully before considering a loan from them. 1. TO CHECK YOUR LOAN BALANCE, YOU HAVE TO RAISE A REQUEST, CALL CUSTOMER CARE, SEND MULTIPLE EMAILS, AND WAIT 3–4 DAYS FOR A RESPONSE. Can you believe that? Even for something as simple as checking your loan balance, you have to go through this ridiculous and outdated process. This shows how broken and inefficient their systems are. 2. Painfully Slow Foreclosure Process: When you want to foreclose your loan, be prepared for a minimum of 21 working days (not including weekends) just to get a foreclosure letter. From my own experience, they never respond before 15–20 days. And when they finally send you the foreclosure letter, they give you a tiny 2–3 day window to submit your cheque or demand draft. They also have another unnecessary rule they only accept foreclosure payments between the 2nd and 15th of every month. If you miss that window, you have to apply again and wait another 21 working days! This is an endless cycle designed to delay your closure and make you pay extra interest. 3. False Claims About Online Services: When selling the loan, they claim everything can be done online payments, statements, requests, etc. In reality, their mobile app is useless and the website is mostly down or non-functional. Even when the website does work, there is hardly any meaningful feature or functionality available. Every small task requires you to visit the branch or send multiple emails completely opposite of what they promise. 4. Forced Insurance Deduction: PNB Housing forces you to buy loan insurance, even though it is not mandatory. Unlike other banks such as SBI or HDFC, they don’t give you a choice, they simply deduct the insurance premium directly from your loan amount. And the worst part even if you foreclose your loan early, they never refund the unused insurance premium. So basically, they make you pay for something you never benefit from.

Third class service, staff is so unprofessional. I went to the office to request for date change of EMI, Customer service lady refused ki nahi hota. Then we requested to reduce rate of interest, the she asked to come after few days, and asked to call back and given us wrong contact number.I have attached the number she wrote for call back.

Timing for reporting from 10 to 14 hrs.But Fur to systematic management your issue can be resolved on first come first visit. All dealing officer are caring especially Priyancy Madam is quite helpful because she has enough patience to listen and resolve all possible issues once you are right on your own. The bank should think for CIBIL score of customer. Already I have requested in my case. The bank is neat and clean all staffs are quite engaged in their allotted work. Drinking water facility should improve. The security staff is courteous and polite.

1 star bhii deserve nahi krte yeah or agar koi loan lena chahta h inse toh bhai bach jao"...bhai

The service experience has been very poor, especially with employee Uttam Singh. Calls are not being responded to properly, and whenever I call, I only receive a response saying that the process is ongoing, without any proper update or communication.