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Compare PNB Housing Finance vs OBC Home Loan

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Interest Rate
Interest Rate
6.99% - 8.70%
8.25% - 8.80%
Processing Fees
Processing Fees
Upto 1.00%
Upto 0.50%
Max ₹ 20,000
Maximum Loan Amount
Maximum Loan Amount
₹ 5 Cr
₹ 3 Cr
Maximum Tenure
Maximum Tenure
30 Years
25 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 665
₹ 788
Benchmark Rate (Check Rates)
Benchmark Rate (Check Rates)
Minimum Age
Minimum Age
21 Years
18 Years
Maximum Age
Maximum Age
70 Years
60 Years
For Women
For Women
Overdraft Facility
Overdraft Facility
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare Home Loan EMI of PNB Housing Finance and OBC

Loan Amount PNB Housing Finance OBC
₹ 10 Lakh ₹ 6,646 ₹ 7,884
₹ 25 Lakh ₹ 16,616 ₹ 19,711
₹ 30 Lakh ₹ 19,939 ₹ 23,654
₹ 50 Lakh ₹ 33,232 ₹ 39,423

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

PNB Housing Finance offers lower Home Loan EMI at ₹ 665 on a Home Loan for 30 Years as compared to OBC with a minimum EMI of ₹ 788 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 PNB Housing Finance Home Loan compare with OBC Home Loan?

It is important to do a detailed comparison of PNB Housing Finance and OBC on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its 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 PNB Housing Finance Home Loan is 6.99%, which is lower than the lowest interest rate of OBC at 8.25% and hence, PNB Housing Finance is offering a cheaper loan option.
  • 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 with its Home Loan rates benchmarked to RLLR. PNB Housing Finance is a 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 a lower interest rate on Home Loan – PNB Housing Finance or OBC?

As per the current rates, PNB Housing Finance offers a lower interest rate of 6.99% on Home Loan when compared to OBC which offers a Home Loan at 8.25%.

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Home Loan News - Jun 2022
  • 2022-06-16 : Maharashtra Government Revises Income Slabs
    The annual income slab for the economically weaker section (EWS) has been increased to Rs 6 lakh, and Rs 4.5 lakh for those residing in Mumbai, Pune, and Nagpur Metropolitan Region and the rest of the state respectively.
  • 2022-06-16 : SBI Increases Lowest Interest Rates for Home Loans
    The bank has raised minimum rate for home loans to 7.55% two weeks after the increase of Repo Rate.
  • 2022-05-24 : Home Buyers Welcome the Decision to Extend the PMAY Scheme
    The Central Government has extended the PMAY Scheme-Urban till September 2022 in Maharashtra.
  • 2022-05-13 : South Indian Bank Posts all-time High Net Profit in Q4
    The Bank has posted an all-time high net profit of ₹272 crores for Q4 in FY 22 against ₹6.79 crores during the corresponding period of the previous year.
  • 2022-05-13 : Ujjivan Small Finance Bank Profit Falls by 7% for Q4
    The bank has reported a 7 percent fall in its net profit to Rs 126.5 crore. Earlier, the bank had posted a net profit of Rs 136 crore in the same quarter of the preceding fiscal year 2020-21.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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