PNB vs Bandhan Business Loan, 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 — Business Loan Comparison
Key parameters compared side by side.
| Parameter | PNB | Bandhan |
|---|---|---|
| Interest Rate (p.a.) | 10.35% – 14.75% | 12% – 16% |
| Processing Fee | 1.00% (min Rs 5,000) | 2.00% (min Rs 5,000) |
| Max Loan Amount | Rs 5 Cr | Rs 1 Cr |
| Max Tenure | 7 Years | 5 Years |
| Bank Type | Public Sector | Private Sector |
| Founded | 1894 | 2015 |
| Headquarters | New Delhi | Kolkata |
Interest Rate (p.a.)
PNB
10.35% – 14.75%
Bandhan
12% – 16%
Lower/better: PNB
Processing Fee
PNB
1.00% (min Rs 5,000)
Bandhan
2.00% (min Rs 5,000)
Max Loan Amount
PNB
Rs 5 Cr
Bandhan
Rs 1 Cr
Lower/better: PNB
Max Tenure
PNB
7 Years
Bandhan
5 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 20 Lakh business loan for 5 years at each bank's lowest rate.
PNB
Bandhan
Savings: Choosing PNB saves you approximately ₹1,650 per month, or ₹99,000 in total interest over the loan tenure.
Feature Comparison
Key features offered by PNB and Bandhan for business loan.
| Feature | PNB | Bandhan |
|---|---|---|
| PNB Pragati scheme for MSME | ||
| MUDRA loans available | ||
| Working capital for traders | ||
| Agriculture business loans | ||
| Micro & small enterprise focus | ||
| No collateral for small amounts | ||
| Quick disbursement | ||
| Doorstep banking |
PNB Pragati scheme for MSME
MUDRA loans available
Working capital for traders
Agriculture business loans
Micro & small enterprise focus
No collateral for small amounts
Quick disbursement
Doorstep banking
Which Is Better — PNB or Bandhan?
It depends on your priorities. Here is a quick guide.
Choose PNB If...
- Lower starting interest rate (10.35% vs 12%)
- Higher max loan amount (Rs 5 Cr vs 1 Cr)
- Longer max tenure (7 yrs vs 5 yrs)
- Government-backed (public sector bank)
Choose Bandhan If...
- Trusted brand with strong business loan 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 business loan at both banks.
PNB Eligibility
- Business vintage: 2+ years (ITR required)
- Min annual turnover: Rs 10 Lakh
- CIBIL score: 650+ preferred
- Valid GST registration
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Bandhan Eligibility
- Business vintage: 2+ years (ITR required)
- Min annual turnover: Rs 15 Lakh
- CIBIL score: 650+ preferred
- Valid GST registration
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Frequently Asked Questions
Common questions about PNB vs Bandhan business loan.
Which bank has a lower business loan interest rate in 2026 — PNB or Bandhan?
PNB currently offers a lower starting rate of 10.35% p.a. for business loan. 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 business loan amount I can get from PNB vs Bandhan?
PNB offers a higher maximum loan amount of up to Rs 5 Cr. PNB offers up to Rs 5 Cr while Bandhan offers up to Rs 1 Cr for business loan.
Which bank charges a lower processing fee for business loan — PNB or Bandhan?
PNB charges a processing fee of 1.00% (min Rs 5,000), while Bandhan charges 2.00% (min Rs 5,000). Processing fees are often negotiable, and Money Matrix Hub can help waive or reduce these charges.
Should I choose PNB or Bandhan for business loan in 2026?
The best choice depends on your specific needs. PNB offers rates from 10.35%–14.75% with a max tenure of 7 years, while Bandhan offers 12%–16% with 5 years tenure. Contact Money Matrix Hub for a personalised comparison based on your profile.
Can Money Matrix Hub help me apply for a business loan 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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