Punjab National Bank (loans) vs Indian Bank (loans): which is better? Comparison 2026
By our public methodology Punjab National Bank (loans) scores 82 out of 100 and Indian Bank (loans) scores 78. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Punjab National Bank (loans) | Indian Bank (loans) | |
|---|---|---|
| Licence | 100 | 100 |
| Transparency | 100 | 80 |
| Cost | 48 | 51 |
| Service | 55 | 63 |
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
Indian 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
Facts side by side
| Fact | Punjab National Bank (loans) | Indian Bank (loans) |
|---|---|---|
| Licensed since | 1895 pnb.bank.in | 1907 indianbank.bank.in |
| Licensed by the regulator | Yes rbi.org.in | Yes rbi.org.in |
| Published rate, % of country reference | 105% pnb.bank.in | 99% indianbank.bank.in |
| Free early repayment | Yes pnb.bank.in | Not verified |
| No arrangement fee | No pnb.bank.in | No indianbank.bank.in |
| Fees or terms published | Yes pnb.bank.in | Yes indianbank.bank.in |
| Complaints procedure | Yes pnb.bank.in | Yes indianbank.bank.in |
| Online application for new customers | Yes pnb.bank.in | Yes indianbank.bank.in |
| Maximum amount, % of country reference | 40% pnb.bank.in | 100% indianbank.bank.in |
| Longest term | 72 mo pnb.bank.in | 84 mo indianbank.bank.in |