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Punjab National Bank (loans) vs ICICI Bank (loans): which is better? Comparison 2026

By our public methodology Punjab National Bank (loans) scores 82 out of 100 and ICICI Bank (loans) scores 80. Below: the factors and facts where they differ, each fact with its source.

Personal loans in India 2026: RBI-listed banks ranked How we rank

1

Punjab National Bank (loans)

82/100

2

ICICI Bank (loans)

80/100

Score breakdown

	Punjab National Bank (loans)	ICICI Bank (loans)
Licence	100	100
Transparency	100	80
Cost	48	50
Service	55	83

Pros and cons

Punjab National Bank (loans)

Long licence history
Licence confirmed by the official list or a stated licence number
Fees or full loan terms are readable without login
Publishes how to complain

An arrangement fee can apply

ICICI Bank (loans)

Long licence history
Licence confirmed by the official list or a stated licence number
Fees or full loan terms are readable without login
Publishes how to complain

An arrangement fee can apply
A charge can apply to early repayment

Facts side by side

Fact	Punjab National Bank (loans)	ICICI Bank (loans)
Licensed since	1895 pnb.bank.in	1994 icici.bank.in
Licensed by the regulator	Yes rbi.org.in	Yes rbi.org.in
Published rate, % of country reference	105% pnb.bank.in	100% icici.bank.in
Free early repayment	Yes pnb.bank.in	No icici.bank.in
No arrangement fee	No pnb.bank.in	No icici.bank.in
Fees or terms published	Yes pnb.bank.in	Yes icici.bank.in
Complaints procedure	Yes pnb.bank.in	Yes icici.bank.in
Online application for new customers	Yes pnb.bank.in	Yes icici.bank.in
Support hours a week	Not verified	168 h icici.bank.in
Maximum amount, % of country reference	40% pnb.bank.in	100% icici.bank.in
Longest term	72 mo pnb.bank.in	84 mo icici.bank.in

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