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Compare Home Loan - OBC vs PNB Housing Finance

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Interest Rate
Interest Rate
7.35% - 7.85%
7.35% - 7.70%
Processing Fees
Processing Fees
Upto 0.50%
Max ₹ 20,000
Upto 1.00%
Maximum Loan Amount
Maximum Loan Amount
₹ 3 Cr
₹ 5 Cr
Maximum Tenure
Maximum Tenure
25 Years
30 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 729
₹ 689
Benchmark Rate (Check Rates)
Benchmark Rate (Check Rates)
Minimum Age
Minimum Age
18 Years
21 Years
Maximum Age
Maximum Age
60 Years
70 Years
For Women
For Women
Overdraft Facility
Overdraft Facility
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare EMI of OBC and PNB Housing Finance Home Loan

Loan Amount OBC PNB Housing Finance
₹ 10 Lakh ₹ 7,293 ₹ 6,890
₹ 25 Lakh ₹ 18,232 ₹ 17,224
₹ 30 Lakh ₹ 21,878 ₹ 20,669
₹ 50 Lakh ₹ 36,463 ₹ 34,449

Which is a better bank for Home Loan – OBC or PNB Housing Finance?

PNB Housing Finance offers lower Home Loan EMI at ₹ 689 on a Home Loan for 30 Years as compared to OBC with a minimum EMI of ₹ 729 for 25 Years. Average customer ratings for PNB Housing Finance is currently at 4.3/5.0 which makes it a good choice for taking a Home Loan.

How does OBC Home Loan compare with PNB Housing Finance Home Loan?

It is important to do a detailed comparison of OBC and Home Loan on all loan terms and conditions to understand their differences and take an informed decision. Keep in mind that each bank’s scheme has its own pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

  • Lowest Interest rate of OBC and PNB Housing Finance Home Loan is 7.35%. Hence, both banks are at par in terms of interest rate on Home Loan
  • When compared on other Home Loan charges such as processing fees, OBC charges a lower processing fees of 0.50% of the loan amount vs PNB Housing Finance with a processing fees of 1.00% of loan amount.
  • OBC is a Public Sector Bank with its Home Loan rates benchmarked to RLLR. PNB Housing Finance is a HFC with its home loan rates benchmarked to PLR.
  • PNB Housing Finance has an average customer ratings of 4.3, while OBC has an average customer rating of 2.5, based on which it is clear that PNB Housing Finance has a high customer service focus, an easy Home Loan process and a quick turnaround.

Which bank offers lower interest rate on Home Loan – OBC or PNB Housing Finance?

The lowest interest rate for both OBC and PNB Housing Finance on Home Loan currently starts from 7.35% and hence, both banks are a good choice for potential borrowers.

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Home Loan News - Aug 2021
  • 2021-07-16 : Amalgamation of Bank of Baroda, erstwhile Vijaya Bank and erstwhile Dena Bank
    Bank of Baroda, on its website, stated that the IFSC codes of the erstwhile Vijaya Bank and Dena Bank were discontinued on March 1, 2021. Customers have been asked to apply for cheque books with the new MICR code at the earliest.
  • 2021-07-16 : UBI update on change in IFSC code for merged banks - Andhra Bank and Corporation Bank
    Union Bank of India (UBI) on Friday said the IFSC codes of the erstwhile e-Andhra Bank and e-Corporation Bank branches will change with effect from July 1, 2021. Customers of the erstwhile banks will have to get new cheque books with changed IFSC and MICR codes
  • 2021-07-16 : Bandhan Bank total loans rise 8% to ₹80,128 crore in Q1, deposits up 28%
    Bandhan Bank witnessed an 8% rise in its loans and advances to ₹80,128 crores in the June quarter this fiscal. The loans and advances during the same period of 2020 stood at ₹74,331 crore. Compared sequentially, it was down by 8% from ₹87,043 crores in the March quarter. Total deposits grew by 28% year-on-year to ₹77,336 crores, while the CASA (current account and savings account) deposits jumped by 48% to ₹33,197 crores in the first quarter of 2021-22.
  • 2021-07-15 : Indian Bank merger with Allahabad Bank - Change in IFSC
    The Indian Bank, which has merged with the Allahabad Bank, carried out a software migration over the weekend. As the merger got completed, new rules had been issued by the bank with regard to its services. Existing customers were asked on July 1 to get a new IFSC code to carry out online transactions smoothly.
  • 2021-07-15 : OBC & UBI merged with PNB
    After the merger of OBC and UBI with PNB in April 2020, PNB has now updated the IFSC codes of all the branches of PNB and UBI. New IFSC codes have come into effect from July 1, 2021.
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