BoB vs PNB Loan Against Property, 2026.
Reviewed by Jay Patel· Last reviewed: stale
A ledger-columns read on Bank of Baroda and Punjab National Bank— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
BoB vs PNB — Loan Against Property Comparison
Key parameters compared side by side.
| Parameter | BoB | PNB |
|---|---|---|
| Interest Rate (p.a.) | 8.85% – 10.75% | 8.9% – 10.9% |
| Processing Fee | 0.50% (max Rs 50,000) | 0.50% (max Rs 50,000) |
| Max Loan Amount | Rs 7.5 Cr | Rs 5 Cr |
| Max Tenure | 15 Years | 15 Years |
| Bank Type | Public Sector | Public Sector |
| Founded | 1908 | 1894 |
| Headquarters | Vadodara | New Delhi |
Interest Rate (p.a.)
BoB
8.85% – 10.75%
PNB
8.9% – 10.9%
Lower/better: BoB
Processing Fee
BoB
0.50% (max Rs 50,000)
PNB
0.50% (max Rs 50,000)
Max Loan Amount
BoB
Rs 7.5 Cr
PNB
Rs 5 Cr
Lower/better: BoB
Max Tenure
BoB
15 Years
PNB
15 Years
Bank Type
BoB
Public Sector
PNB
Public Sector
Founded
BoB
1908
PNB
1894
Headquarters
BoB
Vadodara
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.
BoB
PNB
Savings: Choosing BoB saves you approximately ₹89 per month, or ₹16,020 in total interest over the loan tenure.
Feature Comparison
Key features offered by BoB and PNB for loan against property.
| Feature | BoB | PNB |
|---|---|---|
| Up to 65% LTV | ||
| Both residential & commercial | ||
| Competitive PSU rates | ||
| Overdraft facility | ||
| Up to 60% LTV | ||
| Competitive PSU bank rates | ||
| Rural property also accepted | ||
| No prepayment charges |
Up to 65% LTV
Both residential & commercial
Competitive PSU rates
Overdraft facility
Up to 60% LTV
Competitive PSU bank rates
Rural property also accepted
No prepayment charges
Which Is Better — BoB or PNB?
It depends on your priorities. Here is a quick guide.
Choose BoB If...
- Lower starting interest rate (8.85% vs 8.9%)
- Higher max loan amount (Rs 7.5 Cr vs 5 Cr)
- Government-backed (public sector bank)
- Lower maximum rate (10.75% vs 10.9%)
Choose PNB If...
- Government-backed (public sector bank)
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.
BoB 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.
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 BoB vs PNB loan against property.
Which bank has a lower loan against property interest rate in 2026 — BoB or PNB?
BoB currently offers a lower starting rate of 8.85% 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 BoB vs PNB?
BoB offers a higher maximum loan amount of up to Rs 7.5 Cr. BoB offers up to Rs 7.5 Cr while PNB offers up to Rs 5 Cr for loan against property.
Which bank charges a lower processing fee for loan against property — BoB or PNB?
BoB charges a processing fee of 0.50% (max Rs 50,000), 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 BoB or PNB for loan against property in 2026?
The best choice depends on your specific needs. BoB offers rates from 8.85%–10.75% with a max tenure of 15 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 BoB and PNB?
Yes. Money Matrix Hub is an authorised DSA partner for both BoB 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.
Also Compare BoB vs PNB
Related Loan Against Property Comparisons
View Individual Bank Pages
Want Jay to compare your rate across 40+ banks?
Jay or Rushik will reply on WhatsApp — usually within a few hours. Free, no obligation.