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Compare Dhan Laxmi Bank vs Punjab and Sind Bank Loan Against Property

Download Comparison
Bank
Interest Rate
Interest Rate
10.60% - 13.20%
10.25% - 10.85%
Processing Fees
Processing Fees
Upto 1.50%
Min ₹ 10,000;
Upto 1.00%
Min ₹ 2,000; Max ₹ 50,000
Maximum Loan Amount
Maximum Loan Amount
₹ 5 Cr
₹ 5 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 65%
Upto 50%
Maximum Tenure
Maximum Tenure
15 Years
12 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,112
₹ 1,210
Benchmark Rate
Benchmark Rate
RLLR
RLLR
Minimum Age
Minimum Age
21 Years
21 Years
Maximum Age
Maximum Age
65 Years
65 Years
Overdraft Facility
Overdraft Facility
N
N
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare Loan Against Property EMI of Dhan Laxmi Bank and Punjab and Sind Bank

Loan Amount Dhan Laxmi Bank Punjab and Sind Bank
₹ 10 Lakh ₹ 11,116 ₹ 12,096
₹ 15 Lakh ₹ 16,674 ₹ 18,143
₹ 30 Lakh ₹ 33,348 ₹ 36,287
₹ 50 Lakh ₹ 55,580 ₹ 60,478

Which is a better bank for Loan Against Property – Punjab and Sind Bank or Dhan Laxmi Bank?

Dhan Laxmi Bank offers lower Loan Against Property EMI at ₹ 1,112 on a Loan Against Property for 15 Years as compared to Punjab and Sind Bank with a minimum EMI of ₹ 1,210 for 12 Years. Average customer ratings for Dhan Laxmi Bank is currently at /5.0 which makes it a good choice for taking a Loan Against Property.

How does Punjab and Sind Bank Loan Against Property compare with Dhan Laxmi Bank Loan Against Property?

It is important to do a detailed comparison of Punjab and Sind Bank and Dhan Laxmi 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 Punjab and Sind Bank Loan Against Property is 10.25%, which is lower than the lowest interest rate of Dhan Laxmi Bank at 10.60% and hence, Punjab and Sind Bank is offering a cheaper loan option.
  • When compared on other Loan Against Property charges such as processing fees, Punjab and Sind Bank charges a lower processing fees of 1.00% of the loan amount vs Dhan Laxmi Bank with a processing fees of 1.50% of loan amount.
  • Dhan Laxmi Bank offers Loan Against Property upto 65% of the property value while Punjab and Sind Bank offers mortgage loan upto 50% of property value. Hence, Dhan Laxmi Bank can be a better option if you are looking for a high value amount.
  • Dhan Laxmi Bank is a with its Loan Against Property 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.
  • with an average customer ratings of is equally comparable to with an average customer rating of , and hence, the customer can expect the same kind of service levels from these banks.

Which bank offers a lower interest rate on Loan Against Property – Punjab and Sind Bank or Dhan Laxmi Bank?

As per the current rates, Punjab and Sind Bank offers a lower interest rate of 10.25% on Loan Against Property when compared to Dhan Laxmi Bank which offers a Loan Against Property at 10.60%.

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Loan Against Property News - Dec 2022
  • 2022-11-02 : Karnataka Bank Registers Net Profit in the Q2 of 2022-23
    The bank has registered a net profit of ₹411.63 crores in the Q2 of 2022-23. In the corresponding quarter, it saw ₹125.61 crores, thus registering a growth of 227.70 percent.
  • 2022-10-18 : SBI Credit Card Holders ALERT! State Bank hikes charges on EMI transactions, Rent Payments
    In a move that may further make credit card usage costlier, the State Bank of India has revised certain charges for its credit card users. The new charges will come into effect from November 15. The processing fee on merchant EMI transactions has been revised to Rs 199 + applicable taxes from earlier Rs 99 + applicable taxes. Processing fee on rent payment transactions will be Rs 99 + applicable taxes," said the bank.
  • 2022-09-12 : Indian Overseas Bank raises MCLR rates by up to 0.10%
    Indian Overseas Bank has revised upwards the MCLR rates by 0.10 per cent across tenors. The benchmark 1-year tenor marginal cost of funds based lending rate (MCLR) has been revised to 7.75 per cent against the existing rate of 7.65 per cent. The two and three-year MCLRs have been hiked by a similar margin to 7.80 per cent each.
  • 2022-08-18 : HDFC bank opens its first all women branch in Kerela`s kozhikode.
    HDFC has opened its first all-women branch in Kozhikode. The branch, located in Cherootty Road, the hub of traders in the district, will have 4 women bankers. HDFC Bank is driving diversity and inclusion within the organization with a special focus on enhancing gender diversity.
  • 2022-08-18 : CCI`s nod to the merger of HDFC Bank, HDFC Ltd.
    The Competition Commission of India (CCI) has approved the proposal of merger of HDFC Bank and HDFC Ltd. Commission`s positive response to the combination involving amalgamation of HDFC Limited, HDFc Bank, HDFC Investments and HDFC Holdings.
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