Compare Punjab and Sind Bank vs Indian Overseas Bank Home Loan

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Bank	SBI HDFC Citibank Bank of Baroda ICICI Bank Axis Bank PNB Housing Finance LIC Housing Finance Bajaj Home Finance Sundaram Home Finance Kotak Bank Yes Bank Syndicate Bank IDFC First Bank United Bank of India Allahabad Bank Andhra Bank Bank of India Bank of Maharashtra Canara Bank Central Bank of India Punjab and Sind Bank UCO Bank Union Bank of India Aadhar Housing Finance DBS Bank India Shelters Tata Capital Home Finance LT Housing Finance Piramal Housing Finance Aavas Financiers Indian Bank Karur Vysya Bank RBL Bank HSBC Bank Standard Chartered Bank Edelweiss GIC Housing Finance Reliance Capital IIFL Corporation Bank IDBI Bank Lakshmi Vilas Bank OBC PNB Indiabulls DCB Bank Dhan Laxmi Bank Karnataka Bank South Indian Bank Federal Bank Jammu And Kashmir Bank	SBI HDFC Citibank Bank of Baroda ICICI Bank Axis Bank PNB Housing Finance LIC Housing Finance Bajaj Home Finance Sundaram Home Finance Kotak Bank Yes Bank Syndicate Bank IDFC First Bank United Bank of India Lakshmi Vilas Bank Allahabad Bank Andhra Bank Bank of India Bank of Maharashtra Canara Bank Central Bank of India UCO Bank Union Bank of India Aadhar Housing Finance DBS Bank India Shelters Tata Capital Home Finance LT Housing Finance Piramal Housing Finance Aavas Financiers Indian Bank Karur Vysya Bank RBL Bank HSBC Bank Standard Chartered Bank Edelweiss GIC Housing Finance Reliance Capital IIFL Corporation Bank IDBI Bank Jammu And Kashmir Bank Indian Overseas Bank OBC PNB Indiabulls DCB Bank Dhan Laxmi Bank Karnataka Bank South Indian Bank Federal Bank
Interest Rate	Interest Rate 7.50% - 8.25%	7.05% - 7.30%
Processing Fees	Processing Fees Upto 0.25% Min ₹ 1,000; Max ₹ 15,000	Upto 0.53% Min ₹ 8,900; Max ₹ 13,350
Maximum Loan Amount	Maximum Loan Amount ₹ 5 Cr	₹ 5 Cr
Maximum Tenure	Maximum Tenure 30 Years	30 Years
Lowest EMI Per Lakh	Lowest EMI Per Lakh ₹ 699	₹ 669
Benchmark Rate (Check Rates)	Benchmark Rate (Check Rates) RLLR	RLLR
Minimum Age	Minimum Age 21 Years	21 Years
Maximum Age	Maximum Age 70 Years	60 Years
For Women	For Women N	N
Overdraft Facility	Overdraft Facility N	N
Customer Ratings (Read Reviews)	Customer Ratings (Read Reviews) 2.5/5.0	2.5/5.0

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Compare Home Loan EMI of Punjab and Sind Bank and Indian Overseas Bank

Loan Amount	Punjab and Sind Bank	Indian Overseas Bank
₹ 10 Lakh	₹ 6,992	₹ 6,687
₹ 25 Lakh	₹ 17,480	₹ 16,717
₹ 30 Lakh	₹ 20,976	₹ 20,060
₹ 50 Lakh	₹ 34,961	₹ 33,433

Which is a better bank for Home Loan – Indian Overseas Bank or Punjab and Sind Bank?

Indian Overseas Bank offers lower Home Loan EMI at ₹ 669 on a Home Loan for 30 Years as compared to Punjab and Sind Bank with a minimum EMI of ₹ 699 for 30 Years. Average customer ratings for Indian Overseas Bank is currently at 2.5/5.0 which makes it a good choice for taking a Home Loan.

How does Indian Overseas Bank Home Loan compare with Punjab and Sind Bank Home Loan?

It is important to do a detailed comparison of Indian Overseas Bank and Punjab and Sind Bank 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 Indian Overseas Bank Home Loan is 7.05%, which is lower than the lowest interest rate of Punjab and Sind Bank at 7.50% and hence, Indian Overseas Bank is offering a cheaper loan option.
When compared on other Home Loan charges such as processing fees, Punjab and Sind Bank charges a lower processing fees of 0.25% of the loan amount vs Indian Overseas Bank with a processing fees of 0.53% of loan amount.
Indian Overseas Bank is a with its Home Loan rates benchmarked to RLLR. On the other hand, Punjab and Sind Bank is a with its home loan rates benchmarked to RLLR. Hence, both banks are benchmarked to the same rate, making them a comparable option to choose from.
Indian Overseas Bank with an average customer ratings of 2.5 is equally comparable to Punjab and Sind Bank with an average customer rating of 2.5, and hence, the customer can expect the same kind of service levels from these banks.

Which bank offers a lower interest rate on Home Loan – Indian Overseas Bank or Punjab and Sind Bank?

As per the current rates, Indian Overseas Bank offers a lower interest rate of 7.05% on Home Loan when compared to Punjab and Sind Bank which offers a Home Loan at 7.50%.

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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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