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Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minutePNB’s reported Utsav Festivities 2026 campaign offers a 5-basis-point home-loan card-rate concession, specified fee waivers on home and car loans, and a 10-basis-point mortgage-loan concession for existing PNB home-loan borrowers. The reported offer period is October 1 through December 31, 2026; eligibility and detailed terms apply.
PNB Utsav Festivities 2026 at a glance
The Economic Times reported that the campaign period runs from October 1 to December 31, 2026. The campaign was announced on October 5; that announcement date is not the start date of the stated offer period. The Economic Times’ report describes benefits across retail-loan categories, but the available summaries do not set out the full campaign circular or all eligibility conditions.
| Loan or cost category | Reported benefit | Key qualification |
|---|---|---|
| Home loan | 5 bps (0.05 percentage point) concession on the card rate; waiver of upfront, processing and documentation charges | Eligibility and campaign terms apply; card-rate concession is not a guaranteed individual rate. |
| Home-loan takeover | Reported waiver of takeover charges | Conditions apply. Capped support for specified legal, valuation and NEC costs is reported for eligible takeover loans of ₹25 lakh or more. |
| My Property | PNB bears specified NEC, legal and valuation charges up to ₹15,000, excluding GST | Subject to terms; this is a cap on covered costs, not a guaranteed cash payment. |
| Car loan | Waiver of upfront and processing fees | The reports reviewed do not establish an interest-rate concession. |
| Mortgage loan, including top-up | 10 bps (0.10 percentage point) concession | Reported for existing PNB home-loan borrowers, subject to applicable conditions. |
| Personal loan | A specific rate or fee concession is not stated | Personal loans are mentioned among broad campaign categories, but no specific benefit is detailed in the available reports. |
What home-loan borrowers are reported to receive
The reported home-loan package combines a 5 bps reduction on the card rate with waivers of upfront, processing and documentation charges. A basis point is one-hundredth of a percentage point, so 5 bps equals 0.05 percentage point. The concession is described as applying to the card rate; it does not establish the rate PNB will offer a particular borrower or the total interest saved over a loan.
For a home-loan takeover, reports also describe a waiver of takeover charges. Separately, PNB is reported to bear non-encumbrance certificate (NEC), legal and valuation charges up to ₹15,000, excluding GST, for My Property and for eligible home-loan takeovers of ₹25 lakh or more. This support covers specified costs up to the cap; it should not be read as a ₹15,000 payment to every applicant.
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Car loans and mortgage loans have different conditions
Car loans
The reported car-loan benefit is a waiver of upfront and processing fees. The available coverage does not establish a car-loan rate discount, so borrowers should not assume one from the fee-waiver announcement.
Mortgage and top-up loans
The reported 10 bps concession applies to mortgage loans, including top-ups, for existing PNB home-loan borrowers, subject to conditions. It is not described as a benefit for every mortgage customer. The announcement distributed by ForPressRelease gives further detail on the reported campaign benefits and caps: PNB Utsav Festivities 2026 announcement.
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What the reported figures do—and do not—tell you
A rate concession and a fee waiver affect different parts of borrowing cost: the former changes the applicable rate if the borrower qualifies, while the latter removes specified charges. Neither figure alone establishes the overall cost or savings. A meaningful comparison requires the borrower’s sanctioned rate, loan amount, tenure, charges actually applicable and written campaign eligibility.
For the capped cost support, ₹15,000 is the maximum reported amount for specified NEC, legal and valuation charges, and GST is excluded. The reported ₹25 lakh threshold applies to eligible home-loan takeovers receiving that capped support; the coverage does not establish every other takeover condition.
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Personal-loan benefits are not specified in the available reports
Although personal loans appear in broad descriptions of the campaign, the reports reviewed do not provide a personal-loan rate concession, fee waiver or other specific benefit. PNB’s general personal-loan information is background rather than confirmation of campaign terms. Ask PNB for the current campaign circular and written confirmation of any personal-loan offer before relying on it.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What to confirm with PNB before applying
- Whether your loan type, application or takeover qualifies, and which eligibility rules and exclusions apply.
- Whether each quoted rate concession is reflected in your offer and what rate basis and charges apply.
- Which upfront, processing, documentation or takeover charges are waived in your case.
- For legal, valuation and NEC costs, which expenses are covered, how the ₹15,000 cap is applied, and how GST is treated.
- For a mortgage concession, whether you meet the existing PNB home-loan relationship condition.
- The current campaign circular and a written, offer-specific calculation; the campaign summaries do not establish a complete application process or all detailed terms.
PNB’s general charges, housing-loan and borrower-service pages provide background, not the full Utsav campaign rules. Do not substitute standard charges on a general schedule for campaign-specific terms.
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