HDFC vs PNB Loan Against Property, 2026.
Reviewed by Jay Patel· Last reviewed: stale
A ledger-columns read on HDFC Bank and Punjab National Bank— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
HDFC vs PNB — Loan Against Property Comparison
Key parameters compared side by side.
| Parameter | HDFC | PNB |
|---|---|---|
| Interest Rate (p.a.) | 9% – 11% | 8.9% – 10.9% |
| Processing Fee | 1.00% (max Rs 75,000) | 0.50% (max Rs 50,000) |
| Max Loan Amount | Rs 10 Cr | Rs 5 Cr |
| Max Tenure | 20 Years | 15 Years |
| Bank Type | Private Sector | Public Sector |
| Founded | 1994 | 1894 |
| Headquarters | Mumbai | New Delhi |
Interest Rate (p.a.)
HDFC
9% – 11%
PNB
8.9% – 10.9%
Lower/better: PNB
Processing Fee
HDFC
1.00% (max Rs 75,000)
PNB
0.50% (max Rs 50,000)
Max Loan Amount
HDFC
Rs 10 Cr
PNB
Rs 5 Cr
Lower/better: HDFC
Max Tenure
HDFC
20 Years
PNB
15 Years
Lower/better: HDFC
Bank Type
HDFC
Private Sector
PNB
Public Sector
Founded
HDFC
1994
PNB
1894
Headquarters
HDFC
Mumbai
PNB
New Delhi
Rates as of April 2026. Subject to change based on RBI policy and bank revisions.
EMI Comparison
Estimated EMI for Rs 30 Lakh LAP for 15 years at each bank's lowest rate.
HDFC
PNB
Savings: Choosing PNB saves you approximately ₹178 per month, or ₹32,040 in total interest over the loan tenure.
Feature Comparison
Key features offered by HDFC and PNB for loan against property.
| Feature | HDFC | PNB |
|---|---|---|
| Up to 70% LTV for residential | ||
| Overdraft & term loan options | ||
| Special rates for professionals | ||
| Balance transfer accepted | ||
| Up to 60% LTV | ||
| Competitive PSU bank rates | ||
| Rural property also accepted | ||
| No prepayment charges |
Up to 70% LTV for residential
Overdraft & term loan options
Special rates for professionals
Balance transfer accepted
Up to 60% LTV
Competitive PSU bank rates
Rural property also accepted
No prepayment charges
Which Is Better — HDFC or PNB?
It depends on your priorities. Here is a quick guide.
Choose HDFC If...
- Higher max loan amount (Rs 10 Cr vs 5 Cr)
- Longer max tenure (20 yrs vs 15 yrs)
Choose PNB If...
- Lower starting interest rate (8.9% vs 9%)
- Government-backed (public sector bank)
- Lower maximum rate (10.9% vs 11%)
Still unsure? Contact Money Matrix Hub for a free personalised recommendation based on your income, credit score, and loan requirement.
Eligibility Comparison
General eligibility criteria for loan against property at both banks.
HDFC Eligibility
- Property must be free from encumbrance
- CIBIL score: 700+ preferred
- Salaried or self-employed applicants
- Min income: Rs 30,000 per month
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
PNB Eligibility
- Property must be free from encumbrance
- CIBIL score: 650+ preferred
- Salaried or self-employed applicants
- Min income: Rs 25,000 per month
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Frequently Asked Questions
Common questions about HDFC vs PNB loan against property.
Which bank has a lower loan against property interest rate in 2026 — HDFC or PNB?
PNB currently offers a lower starting rate of 8.9% p.a. for loan against property. However, the actual rate you receive depends on your credit score, income, and loan amount. Money Matrix Hub can help you get the best negotiated rate from both banks.
What is the maximum loan against property amount I can get from HDFC vs PNB?
HDFC offers a higher maximum loan amount of up to Rs 10 Cr. HDFC offers up to Rs 10 Cr while PNB offers up to Rs 5 Cr for loan against property.
Which bank charges a lower processing fee for loan against property — HDFC or PNB?
HDFC charges a processing fee of 1.00% (max Rs 75,000), while PNB charges 0.50% (max Rs 50,000). Processing fees are often negotiable, and Money Matrix Hub can help waive or reduce these charges.
Should I choose HDFC or PNB for loan against property in 2026?
The best choice depends on your specific needs. HDFC offers rates from 9%–11% with a max tenure of 20 years, while PNB offers 8.9%–10.9% with 15 years tenure. Contact Money Matrix Hub for a personalised comparison based on your profile.
Can Money Matrix Hub help me apply for a loan against property from both HDFC and PNB?
Yes. Money Matrix Hub is an authorised DSA partner for both HDFC and PNB. We can submit parallel applications at no extra cost and help you pick the best sanction offer. Our service is 100% free for borrowers.
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