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Sbi Home Loans vs Pnb Home Loan Home Loan Comparison | Ambak

Compare Sbi Home Loans vs Pnb Home Loan home loan offers side by side — including interest rates, EMI per lakh, processing fees, and LTV ratio. Make a smarter borrowing decision with Ambak's free comparison tool.
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Which banks saves you more?

Choosing the right bank isn’t just about the lowest interest rate but the total cost of your loan. Small differences in rates, fees, and charges can significantly impact your overall savings. The best choice is the bank that offers the highest value based on your profile, not just the lowest rate.
State Bank of India
State Bank of India
Home Loan
Ambak Recommended
Punjab National Bank
Punjab National Bank
Home Loan
vs
Home loan comparison between State Bank of India and Punjab National Bank
MetricState Bank of IndiaPunjab National Bank
Interest Rate
7.25% – 9.5%
7.2% – 9.35%
Interest Rate
7.25% – 9.5%
7.2% – 9.35%
Processing Fee
Rs.10,000 + GST
Rs. 10000 + GST
Processing Fee
Rs.10,000 + GST
Rs. 10000 + GST
Max LTV
Up to 90%
Up to 90%
Max LTV
Up to 90%
Up to 90%
Max Loan Amount
₹3000000 Cr
₹3000000 Cr
Max Loan Amount
₹3000000 Cr
₹3000000 Cr
Min Loan Amount
₹5000 Cr
₹5000 Cr
Min Loan Amount
₹5000 Cr
₹5000 Cr
EMI per Lakh
₹791
₹788
EMI per Lakh
₹791
₹788

Why Choose State Bank of India Home Loan

When evaluating a State Bank of India home loan, weigh interest rates alongside processing fees, LTV limits and EMI flexibility. Our comparison tool puts every figure side-by-side so you can decide in minutes — not hours. Ambak aggregates live rates from 30+ RBI-regulated lenders, updated multiple times a day. We show the real rate you qualify for — not a marketing rate. Advisors can also walk you through balance-transfer math, step-up EMI options, and top-up eligibility so you never leave money on the table.

  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

Why Choose Punjab National Bank Home Loan

When evaluating a Punjab National Bank home loan, weigh interest rates alongside processing fees, LTV limits and EMI flexibility. Our comparison tool puts every figure side-by-side so you can decide in minutes — not hours. Ambak aggregates live rates from 30+ RBI-regulated lenders, updated multiple times a day. We show the real rate you qualify for — not a marketing rate. Advisors can also walk you through balance-transfer math, step-up EMI options, and top-up eligibility so you never leave money on the table.

  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

EMI Calculate State Bank of India vs Punjab National Bank

Home Loan EMI
1.0 Cr
₹5L₹5Cr
20 Years
030
Ambak Recommended
Punjab National Bank
Punjab National Bank
7.2%
EMI
₹ 78,735
Interest
₹ 88,96,400
Total
₹ 1,88,96,400
Your Total Savings
₹ 72,720
State Bank of India
State Bank of India
7.25%
EMI
₹ 79,038
Interest
₹ 88,96,400
Total
₹ 1,89,69,120

State Bank of India Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: Rs.10,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 7.25% is slightly higher than Punjab National Bank's 7.2%
  • •Monthly EMI of ₹791/lakh is ₹3 more than Punjab National Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

Punjab National Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.2% — that's cheaper than State Bank of India's 7.25%
  • •You pay only ₹788/lakh per month — ₹3 less than State Bank of India
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: Rs. 10000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

Compare State Bank of India with other banks

Compare Punjab National Bank with other banks

State Bank of India Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: Rs.10,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 7.25% is slightly higher than Punjab National Bank's 7.2%
  • •Monthly EMI of ₹791/lakh is ₹3 more than Punjab National Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

Punjab National Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.2% — that's cheaper than State Bank of India's 7.25%
  • •You pay only ₹788/lakh per month — ₹3 less than State Bank of India
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: Rs. 10000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

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Loan Amount
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Compare Now

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