PNB vs Bandhan Balance Transfer, 2026.
Reviewed by Jay Patel· Last reviewed: stale
A ledger-columns read on Punjab National Bank and Bandhan Bank— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
PNB vs Bandhan — Balance Transfer Comparison
Key parameters compared side by side.
| Parameter | PNB | Bandhan |
|---|---|---|
| Interest Rate (p.a.) | 8.3% – 9.05% | 8.5% – 9.35% |
| Processing Fee | 0.35% (max Rs 10,000) | 0.50% |
| Max Loan Amount | Rs 8 Cr | Rs 3 Cr |
| Max Tenure | 30 Years | 25 Years |
| Bank Type | Public Sector | Private Sector |
| Founded | 1894 | 2015 |
| Headquarters | New Delhi | Kolkata |
Interest Rate (p.a.)
PNB
8.3% – 9.05%
Bandhan
8.5% – 9.35%
Lower/better: PNB
Processing Fee
PNB
0.35% (max Rs 10,000)
Bandhan
0.50%
Max Loan Amount
PNB
Rs 8 Cr
Bandhan
Rs 3 Cr
Lower/better: PNB
Max Tenure
PNB
30 Years
Bandhan
25 Years
Lower/better: PNB
Bank Type
PNB
Public Sector
Bandhan
Private Sector
Founded
PNB
1894
Bandhan
2015
Headquarters
PNB
New Delhi
Bandhan
Kolkata
Rates as of April 2026. Subject to change based on RBI policy and bank revisions.
EMI Comparison
Estimated EMI for Rs 50 Lakh balance transfer for 20 years at each bank's lowest rate.
PNB
Bandhan
Savings: Choosing PNB saves you approximately ₹631 per month, or ₹1,51,440 in total interest over the loan tenure.
Feature Comparison
Key features offered by PNB and Bandhan for balance transfer.
| Feature | PNB | Bandhan |
|---|---|---|
| Attractive BT rates | ||
| Women borrower discount | ||
| Top-up available | ||
| Quick sanction | ||
| Affordable housing BT | ||
| Quick processing | ||
| Tier-2 city focus |
Attractive BT rates
Women borrower discount
Top-up available
Quick sanction
Affordable housing BT
Quick processing
Tier-2 city focus
Which Is Better — PNB or Bandhan?
It depends on your priorities. Here is a quick guide.
Choose PNB If...
- Lower starting interest rate (8.3% vs 8.5%)
- Higher max loan amount (Rs 8 Cr vs 3 Cr)
- Longer max tenure (30 yrs vs 25 yrs)
- Government-backed (public sector bank)
Choose Bandhan If...
- Trusted brand with strong balance transfer offerings
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 balance transfer at both banks.
PNB Eligibility
- CIBIL score: 650+ preferred
- Min income: Rs 20,000 per month (salaried)
- Self-employed: 3+ years of business vintage
- Age: 21–65 years (salaried), 25–70 years (self-employed)
- Indian resident or NRI (with conditions)
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Bandhan Eligibility
- CIBIL score: 700+ preferred
- Min income: Rs 25,000 per month (salaried)
- Self-employed: 3+ years of business vintage
- Age: 21–65 years (salaried), 25–70 years (self-employed)
- Indian resident or NRI (with conditions)
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Frequently Asked Questions
Common questions about PNB vs Bandhan balance transfer.
Which bank has a lower balance transfer interest rate in 2026 — PNB or Bandhan?
PNB currently offers a lower starting rate of 8.3% p.a. for balance transfer. 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 balance transfer amount I can get from PNB vs Bandhan?
PNB offers a higher maximum loan amount of up to Rs 8 Cr. PNB offers up to Rs 8 Cr while Bandhan offers up to Rs 3 Cr for balance transfer.
Which bank charges a lower processing fee for balance transfer — PNB or Bandhan?
PNB charges a processing fee of 0.35% (max Rs 10,000), while Bandhan charges 0.50%. Processing fees are often negotiable, and Money Matrix Hub can help waive or reduce these charges.
Should I choose PNB or Bandhan for balance transfer in 2026?
The best choice depends on your specific needs. PNB offers rates from 8.3%–9.05% with a max tenure of 30 years, while Bandhan offers 8.5%–9.35% with 25 years tenure. Contact Money Matrix Hub for a personalised comparison based on your profile.
Can Money Matrix Hub help me apply for a balance transfer from both PNB and Bandhan?
Yes. Money Matrix Hub is an authorised DSA partner for both PNB and Bandhan. 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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