PNB vs Tata Loan Against Property, 2026.
Reviewed by Jay Patel· Last reviewed: stale
A ledger-columns read on Punjab National Bank and Tata Capital— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
PNB vs Tata — Loan Against Property Comparison
Key parameters compared side by side.
| Parameter | PNB | Tata |
|---|---|---|
| Interest Rate (p.a.) | 8.9% – 10.9% | 9% – 11.75% |
| Processing Fee | 0.50% (max Rs 50,000) | 1.00% (max Rs 75,000) |
| Max Loan Amount | Rs 5 Cr | Rs 7.5 Cr |
| Max Tenure | 15 Years | 18 Years |
| Bank Type | Public Sector | NBFC |
| Founded | 1894 | 2007 |
| Headquarters | New Delhi | Mumbai |
Interest Rate (p.a.)
PNB
8.9% – 10.9%
Tata
9% – 11.75%
Lower/better: PNB
Processing Fee
PNB
0.50% (max Rs 50,000)
Tata
1.00% (max Rs 75,000)
Max Loan Amount
PNB
Rs 5 Cr
Tata
Rs 7.5 Cr
Lower/better: Tata
Max Tenure
PNB
15 Years
Tata
18 Years
Lower/better: Tata
Bank Type
PNB
Public Sector
Tata
NBFC
Founded
PNB
1894
Tata
2007
Headquarters
PNB
New Delhi
Tata
Mumbai
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.
PNB
Tata
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 PNB and Tata for loan against property.
| Feature | PNB | Tata |
|---|---|---|
| Up to 60% LTV | ||
| Competitive PSU bank rates | ||
| Rural property also accepted | ||
| No prepayment charges | ||
| Up to 65% LTV | ||
| Flexi repayment | ||
| Competitive NBFC rates | ||
| Balance transfer accepted |
Up to 60% LTV
Competitive PSU bank rates
Rural property also accepted
No prepayment charges
Up to 65% LTV
Flexi repayment
Competitive NBFC rates
Balance transfer accepted
Which Is Better — PNB or Tata?
It depends on your priorities. Here is a quick guide.
Choose PNB If...
- Lower starting interest rate (8.9% vs 9%)
- Government-backed (public sector bank)
- Lower maximum rate (10.9% vs 11.75%)
Choose Tata If...
- Higher max loan amount (Rs 7.5 Cr vs 5 Cr)
- Longer max tenure (18 yrs vs 15 yrs)
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.
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.
Tata 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.
Frequently Asked Questions
Common questions about PNB vs Tata loan against property.
Which bank has a lower loan against property interest rate in 2026 — PNB or Tata?
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 PNB vs Tata?
Tata offers a higher maximum loan amount of up to Rs 7.5 Cr. PNB offers up to Rs 5 Cr while Tata offers up to Rs 7.5 Cr for loan against property.
Which bank charges a lower processing fee for loan against property — PNB or Tata?
PNB charges a processing fee of 0.50% (max Rs 50,000), while Tata charges 1.00% (max Rs 75,000). Processing fees are often negotiable, and Money Matrix Hub can help waive or reduce these charges.
Should I choose PNB or Tata for loan against property in 2026?
The best choice depends on your specific needs. PNB offers rates from 8.9%–10.9% with a max tenure of 15 years, while Tata offers 9%–11.75% with 18 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 PNB and Tata?
Yes. Money Matrix Hub is an authorised DSA partner for both PNB and Tata. 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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