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Central Bank of India vs Punjab National Bank Home Loan
Central Bank of India and Punjab National Bank advertise the same starting rate.
| Central Bank | PNB | |
|---|---|---|
| Starting interest rate | 7.45% | 7.45% |
| EMI for ₹50 lakh, 20 years | ₹40,127 | ₹40,127 |
| Total interest | ₹46,30,464 | ₹46,30,464 |
| Processing fee | Not stated | Not stated |
| Prepayment | Not stated | Not stated |
| Maximum tenure | - | - |
Source: Central Bank of India official page, checked on November 2026 (2026-11-01).
Source: Punjab National Bank official page, checked on November 2026 (2026-11-01).
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Frequently asked questions
Which is cheaper, Central Bank or PNB home loan?
Central Bank of India and Punjab National Bank advertise the same starting rate. Your actual rate may differ from the starting rate.
Central Bank of India details · Punjab National Bank details