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PNB and SBI retail loans differ by loan type, rate disclosure, fees and the processing-time information each bank publishes. As of November 2026, the fairest comparison is not simply the smallest advertised percentage: PNB’s latest retrieved figures are past-quarter rate ranges and averages, while SBI’s retrieved rates are scheme-page figures updated on different dates. Your sanctioned rate and total cost depend on your own application. Below, the figures are dated and attributed so you can compare them without treating unlike measures as equivalent quotes.
At a glance
| Name | Best for | Key spec | Rate / processing fee | Checked |
|---|---|---|---|---|
| PNB home loan | Borrowers comparing PNB’s reported home-loan pricing distribution | 7.20%–11.15%; mean 9.16%, quarter ending March 2026 | Processing: 0.35% of loan, minimum ₹2,500, maximum ₹15,000, plus taxes; documentation ₹1,350, with qualifying waivers | November 2026 |
| SBI home loan | Borrowers checking SBI’s current published starting rate | Starting rate 7.50% p.a. from October 15, 2026, subject to terms | Bank lists a 50% concession in the home-loan card rate and full waiver in selected cases, subject to terms; individual quote required | November 2026 |
| PNB car loan | Borrowers comparing PNB’s reported vehicle-loan pricing distribution | 7.55%–11.55%; mean 9.55%, quarter ending March 2026 | Processing: 0.25%, minimum ₹1,000, maximum ₹1,500, plus taxes | November 2026 |
| SBI new-car loan | Borrowers seeking a published fixed-rate new-car scheme | 8.55%–9.50% fixed; SBI reports 8.9% mean auto-loan rate for Q2 FY 2026–27 | Salaried: ₹500, ₹1,000 or ₹1,500 plus GST; non-salaried: ₹750, ₹1,250 or ₹2,000 plus GST, by loan-amount band | November 2026 |
| PNB personal loan | Borrowers comparing PNB’s reported personal-loan distribution | 9.25%–16.80%; mean 13.03%, quarter ending March 2026 | Processing: 1.00% plus taxes; documentation ₹270 up to ₹2 lakh or ₹450 above ₹2 lakh, plus taxes | November 2026 |
| SBI personal loan (Xpress Credit scheme) | Eligible borrowers comparing SBI’s published personal-loan scheme rates | Effective rate 10.00%–15.00%; mean ROI 11.54% for Q1 FY 2026–27 | Processing: 1.50%, minimum ₹1,000, maximum ₹15,000, plus GST | November 2026 |
“Checked November 2026” refers to the comparison date, not to a single synchronized rate publication. PNB’s rates above are its disclosure for the quarter ending March 2026; SBI’s home and car pages were updated October 15, 2026, and its personal-loan page September 28, 2026. Fee waivers and tax treatment depend on the applicable scheme and conditions. Sources: PNB rate and fee disclosure, SBI home-loan rates, SBI auto-loan rates, SBI personal-loan rates and SBI processing fees.
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Do not treat a published starting rate, a distribution of rates charged in a past quarter, and your own sanctioned rate as interchangeable. They answer different questions: what a bank advertises as a floor, what it reported charging across a period, and what it is willing to lend to you under your application’s terms.
PNB’s March 2026 disclosure reports a range and mean for each of the three loan types covered here. For example, the reported home-loan range is 7.20%–11.15%, with a mean of 9.16%. That is a past-quarter distribution, not a promise that a new applicant will receive 9.16% or any other particular rate. Its car and personal-loan figures have the same limitation.
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SBI’s home-loan page gives a starting rate of 7.50% per annum from October 15, 2026, subject to terms. A “starting from” figure is a floor, not an all-borrower quote. SBI’s car page, also updated October 15, lists fixed new-car rates of 8.55%–9.50% and says pricing varies with credit score and tenure. SBI reports an 8.9% mean auto-loan rate for Q2 FY 2026–27. Its personal-loan scheme page, updated September 28, 2026, lists effective rates of 10.00%–15.00% and a mean ROI of 11.54% for Q1 FY 2026–27.
Because the publication dates, rate bases, periods and loan terms differ, subtracting one bank’s number from the other does not establish which will make you the cheaper offer. Use the published rates to shortlist or ask questions; decide using written, personalized offers for the same loan amount, tenure, repayment structure and applicant profile.
Which bank has the lower home-loan rate and fees?
The available published figures do not establish a universal winner. PNB reports a March-quarter range and average, while SBI publishes a current starting rate; each borrower’s applicable offer, fee waivers and loan terms determine the actual comparison.
PNB reported housing-loan rates of 7.20%–11.15%, with a 9.16% mean, for the quarter ending March 2026. Its disclosed processing charge is 0.35% of the loan amount, subject to a ₹2,500 minimum and ₹15,000 maximum, plus taxes. It also lists a ₹1,350 documentation charge. PNB’s schedule includes waivers for specified offers and circumstances, including PNB Pride and certain takeover cases. Do not assume you qualify for a waiver unless the bank confirms it for your application.
SBI’s home-loan rate page states a starting rate of 7.50% p.a. effective October 15, 2026, subject to terms. SBI’s fee information describes a 50% concession in the home-loan card rate and a 100% waiver in selected cases, also subject to terms. These are not blanket discounts or a complete personalized fee quote. Confirm the card rate used for your product, which concession applies, the conditions and the final amount payable.
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For either bank, request the rate type and its terms in writing. A floating-rate offer should identify the benchmark, spread and reset conditions; a headline rate alone does not tell you how future changes could affect instalments or total interest. The comparison should include any processing and documentation fees, applicable taxes, waiver conditions and offer expiry—not just the rate at the top of a page.
Which bank is cheaper for a car loan?
PNB’s latest retrieved published distribution has the lower displayed floor, but that does not prove PNB will quote every borrower less than SBI. PNB’s number is for the quarter ending March 2026; SBI’s new-car rate page was updated October 15, 2026, and describes fixed rates at disbursement for the full loan period.
PNB reported car-loan rates of 7.55%–11.55%, with a mean of 9.55%. Its processing fee is 0.25% of the loan, with a minimum of ₹1,000 and maximum of ₹1,500, plus taxes; no documentation fee is listed in the retrieved PNB disclosure. SBI lists new-car rates from 8.55% to 9.50%. It says its pricing changes with credit score and tenure and reports a mean auto-loan rate of 8.9% for Q2 FY 2026–27. SBI’s fixed-rate description applies to its new-car scheme as stated on the page; do not assume identical terms for other vehicle products.
SBI’s new-car processing fee also depends on the loan amount band and salaried status. The published amounts are ₹500, ₹1,000 or ₹1,500 plus GST for salaried customers, and ₹750, ₹1,250 or ₹2,000 plus GST for non-salaried customers. Ask the bank which band applies rather than assuming the lowest figure. A useful comparison uses the same on-road borrowing amount, tenure, down payment and credit details, then compares total interest plus processing charges and GST.
Which bank is cheaper for a personal loan?
PNB’s quarter-ended-March range begins below SBI’s displayed scheme range, while SBI’s reported mean for a different quarter is lower than PNB’s reported mean. Neither observation is a like-for-like quote comparison: the banks disclose different periods and bases, and your eligible scheme and profile matter.
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PNB’s personal-loan distribution was 9.25%–16.80%, with a mean of 13.03%, for the quarter ending March 2026. Its processing charge is 1.00% plus taxes. The disclosed documentation fee is ₹270 for loans up to ₹2 lakh and ₹450 for loans above ₹2 lakh, plus taxes.
SBI’s personal-loan scheme page lists effective rates of 10.00%–15.00%, with a mean ROI of 11.54% for Q1 FY 2026–27. The page’s effective date is December 15, 2025, and it was last updated September 28, 2026. SBI’s Xpress Credit processing charge is 1.50% of the loan, subject to a ₹1,000 minimum and ₹15,000 maximum, plus GST. These figures are scheme-specific; verify that Xpress Credit is the product for which you qualify and that the fee schedule applies to your offer.
Personal loans can have materially different fees even when the stated rates look close. Ask for the net disbursal amount after deductions, the instalment schedule, total repayment, processing and documentation charges, tax, and any prepayment or foreclosure terms that apply to your particular scheme. Compare the same amount and repayment period, not a lower monthly instalment achieved by borrowing for longer.
What processing time does PNB publish, and what about SBI?
PNB publishes sanction norms of seven working days for mortgage-backed retail loans and three working days for non-mortgage vehicle and personal loans. Those are decision or credit-sanction norms, not a guaranteed application-to-disbursement deadline. No comparable SBI sanction-time promise was found in the retrieved SBI rate and fee pages, so the available evidence does not support saying SBI is faster or assigning it a number.
PNB’s published standards distinguish mortgage-backed lending from non-mortgage lending. A home loan normally falls under the mortgage-backed category; personal and vehicle loans are listed among non-mortgage proposals. The stated time can be affected by a file that is incomplete, eligibility checks, property verification, valuation or legal review, and case-specific requirements. The clock and service norm should not be confused with the date funds will reach the borrower or a seller.
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Before applying, ask both banks what event starts the stated timeline, what documents remain outstanding, whether third-party checks are needed, and what must happen after sanction before disbursement. Get any bank-specific timeline in writing. PNB’s retail-loan sanction time norms and citizen service standards are the source for its published norms.
What documents should you prepare?
PNB’s general document expectations include a completed application, income proof, a six-month bank statement, and age and address proof. Product-specific evidence may also be needed—for example, property papers for a home loan or a vehicle quotation for a car loan. A bank may ask for further material based on the applicant, property, employer or transaction.
Use the first conversation with each lender to obtain the checklist for the exact scheme rather than relying on a generic list. Ask whether copies need certification, whether original documents are required for verification, and whether a property or vehicle check is part of the file. Missing documents or unresolved checks can delay sanction even if the published norm is short.
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Request a personalized offer from each bank, then align the terms before deciding. A useful side-by-side comparison covers:
- Purpose and scheme: Compare home with home, new-car with new-car, and the same category of personal loan—not different products with different eligibility rules.
- Borrower and loan assumptions: Keep applicant profile, credit information, principal, down payment where relevant, tenure and repayment structure as consistent as possible.
- Rate mechanics: Record the offered rate, whether it is fixed or floating, the applicable benchmark and spread, reset terms, and how the bank calculates interest. SBI describes its new-car scheme rate as fixed at disbursement for the full loan period; do not extend that feature to unrelated schemes.
- Total borrowing cost: Compare the repayment schedule and total interest over the agreed tenure, not just the opening rate or monthly instalment.
- Upfront deductions: Add processing fees, documentation fees and applicable GST or other taxes. Check whether the fee is capped or has a minimum and whether it is deducted from disbursal.
- Waivers and offer conditions: Get the exact waiver eligibility, required proof and expiry date in writing. A general fee concession may not apply to every applicant or product.
- Repayment flexibility: Confirm prepayment or foreclosure rules, any charges, and whether part-payments change the instalment, tenure or both.
- Timeline and completion: Separate the sanction decision target from disbursement, and note outstanding property, vehicle or documentation checks.
Then compare the cash you receive or the amount paid toward the purchase, the monthly instalments and total repayment together. A lower nominal rate can be offset by higher upfront charges; a fee waiver can matter, but only if it is confirmed for your case. The appropriate choice is the written offer that best fits your cost, repayment and timing needs—not whichever bank has the smallest number in a headline.
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Are PNB’s April 2026 promotional rates still current?
No evidence in the retrieved material establishes that those one-day promotional floors remain available in November 2026. PNB’s April 18, 2026 press release announced a one-day Mega Retail Outreach Programme with starting rates of 7.25% on home loans, 7.60% on car loans, 6.85% on education loans and 5.75% on Surya Ghar solar financing. Treat those as historical advertised promotional figures, not current offers or guaranteed rates. Check directly with PNB for any live scheme and its eligibility and expiry conditions. The release is available on PNB’s programme announcement.
Does PNB’s MCLR tell you your retail loan rate?
No. PNB lists its one-year MCLR at 8.90% effective November 1, 2026, but a benchmark rate by itself does not establish the rate for a particular retail loan. The applicable product, benchmark linkage, spread, reset terms and borrower eligibility all matter; use the benchmark information only as one part of the written offer. See PNB’s MCLR information.
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Frequently Asked Questions
Can I use PNB’s average rate to estimate the rate I’ll get?
Not reliably. The average describes the bank’s disclosed rate distribution for the quarter ending March 2026; it is not a personal eligibility estimate or a commitment for a future application. Ask for a current written quote using your loan amount and tenure.
Should I compare the EMI or the total amount repaid?
Both are useful, but total repayment over the same principal and tenure is the stronger cost comparison. A smaller EMI can simply reflect a longer repayment period, which may increase total interest.
Can I rely on a fee waiver shown on a bank’s schedule?
Only after the lender confirms that the waiver applies to your product and application. Request the qualification, taxes that remain payable, and any end date or offer condition in writing before counting it as a saving.
