Home › Loan Against Property › IDFC FIRST vs PNB
IDFC FIRST Bank vs Punjab National Bank Loan Against Property
Punjab National Bank advertises the lower starting rate (9.2% vs 9.5%). On ₹50 lakh over 15 years that is about ₹1,62,235 less interest, or ₹901 less per month, at the starting rates.
| IDFC FIRST | PNB | |
|---|---|---|
| Starting interest rate | 9.5% | 9.2% |
| EMI for ₹50 lakh, 15 years | ₹52,211 | ₹51,310 |
| Total interest | ₹43,98,022 | ₹42,35,787 |
| Processing fee | Not stated | Not stated |
| Prepayment | Not stated | Not stated |
| Maximum tenure | - | - |
Source: IDFC FIRST Bank official page, checked 2 November 2026.
Source: Punjab National Bank official page, checked 2 November 2026.
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, IDFC FIRST or PNB loan against property?
Punjab National Bank advertises the lower starting rate (9.2% vs 9.5%). On ₹50 lakh over 15 years that is about ₹1,62,235 less interest, or ₹901 less per month, at the starting rates. Your actual rate may differ from the starting rate.