{"id":32499,"date":"2024-03-11T18:58:19","date_gmt":"2024-03-11T13:28:19","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=32499"},"modified":"2025-01-07T15:15:14","modified_gmt":"2025-01-07T09:45:14","slug":"bank-of-baroda-vs-punjab-national-bank","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/","title":{"rendered":"Bank Of Baroda Vs Punjab National Bank: Find Key Differences!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/#Eligibility_Criteria\" >Eligibility Criteria<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/#Interest_Rates\" >Interest Rates<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/#Processing_Fee\" >Processing Fee<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/#Maximum_Loan_Amount\" >Maximum Loan Amount<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/#Moratorium_Period\" >Moratorium Period<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/#Margin_Money_Charged\" >Margin Money Charged<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/#Repayment_Terms\" >Repayment Terms<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/#Types_Of_Collateral\" >Types Of Collateral<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/#Countries_Each_Bank_Caters_To\" >Countries Each Bank Caters To<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/#Which_Of_The_Two_Is_UniCreds_Partner\" >Which Of The Two Is UniCreds&#8217; Partner?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-punjab-national-bank\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p><\/p>\n\n\n\n<p>Bank of Baroda vs Punjab National Bank is India&#8217;s top-performing PSU banks that serve as the benchmark for the rest.<\/p>\n\n\n\n<p>They are reputable for their performance, products and services, and customer satisfaction. With the cost of studying abroad hitting an all-time high, the demand for education loans has increased. So, which bank is best, Punjab National Bank or Bank of Baroda, for student loans?<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Particular<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bank Of Baroda<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Punjab National Bank<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Interest Rates<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.5% &#8211; 13.7%<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.25% &#8211; 12.75%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Maximum Loan Amount<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to Rs. 150.00 lakh<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to Rs. 50.00 lakh<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Moratorium Period<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + 3 Months \u2013 1 Year<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + 1 Year<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Repayment Terms<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 \u2013 15 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 15 years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Margin Money Charged<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 15%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 15%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria\"><\/span><strong>Eligibility Criteria<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda education loans are categorised in various sections, depending on the kind and amount of the loan. The bank offers multiple loan terms to meet the student&#8217;s needs. Some of the education loan options include:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Eligibility<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Scholar<\/td><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"2\">-Must be an Indian national<br>-Must secure admission to professional\/technical courses abroad<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loan for Students of Premier Institutions<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loans for EDP by Premier Institutions Abroad<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Must be an Indian national<br>-Must have secured admission in The Executive Development Programmes offered by premier institutions abroad<br>-Must be and should remain gainfully employed<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align: center;\">\n    <button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\">\n        <a href=\"https:\/\/unicreds.com\/check-your-loan-eligibility?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=loan-eligibility-button\" target=\"_blank\" style=\"text-decoration: none; color: white;\" rel=\"noopener\">Check your Loan Eligibility<\/a>\n    <\/button>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Punjab National Bank has several education loan options, but only one caters to students pursuing higher education abroad. This PNB Education Loan has been crucial to helping students achieve their academic goals.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Eligibility<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">PNB Udaan<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Must be an Indian resident<br>-Must have secured admission to a higher education course in a recognised institution abroad<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Interest_Rates\"><\/span><strong>Interest Rates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/unicreds.com\/partners\/bank-of-baroda\" target=\"_blank\" rel=\"noreferrer noopener\">Bank of Baroda<\/a> and Punjab National Bank are the top banks offering education loans to Indian international students. The significant difference between Bank of Baroda and Punjab National Bank student loans is the interest rates. Bank of Baroda considers the following when determining the interest rates:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Country of studies<\/li>\n\n\n\n<li>Higher education institution<\/li>\n\n\n\n<li>Type of student<\/li>\n\n\n\n<li>Loan amount<\/li>\n\n\n\n<li>Gender<\/li>\n<\/ul>\n\n\n\n<p>On the other hand, Punjab National Bank considers the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan amount<\/li>\n\n\n\n<li>Gender<\/li>\n\n\n\n<li>Security<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Bank of Baroda interest rates on education loans<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Interest Rates<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Scholar<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.7% &#8211; 13.7%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loan to Students of Premier Institutions<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.5% &#8211; 12.2%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loans for EDP being offered by Premier Institutions Abroad<\/td><td class=\"has-text-align-center\" data-align=\"center\">11.15% &#8211; 11.5%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Punjab National Bank<\/strong> <strong>interest rates on education loans<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Interest Rates<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">PNB Udaan<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.25% &#8211; 12.75%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Processing_Fee\"><\/span><strong>Processing Fee<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda vs <a href=\"https:\/\/unicreds.com\/blog\/pnb-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">Punjab National Bank education loan<\/a> processing fees differ. These are fees charged to finalise the documentation and disbursing of your loan. The processing fees majorly depend on the source of funding and loan amount.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Bank of Baroda<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Processing Fees<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Scholar<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Up to Rs.7.50 Lakh: NIL<br>-Above Rs.7.50 Lakh: 1.00% of loan amount maximum Rs. 10,000 (refundable after first loan disbursement)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loan to Students of Premier Institutions<\/td><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"2\">-1.00% of Loan amount maximum Rs. 10,000 (refundable after first loan disbursement)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loans for EDP being offered by Premier Institutions Abroad<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Punjab National Bank<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Processing Fees<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">PNB Udaan<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1.00% of Loan amount maximum Rs. 10,000 (refundable after first loan disbursement)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Maximum_Loan_Amount\"><\/span><strong>Maximum Loan Amount<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Knowing the maximum loan amount you might get from a financing institution is essential to determine if they meet your needs is important. The Bank of Baroda vs Punjab National Bank <a href=\"https:\/\/unicreds.com\/abroad-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">abroad education loan<\/a> amounts significantly differ. This is among the issues considered by applicants.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align: center;\">\n    <button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\">\n    <a href=\"https:\/\/unicreds.com\/get-expert-advice?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=help-me-get-abroad-education-loan-button\" target=\"_blank\" style=\"text-decoration: none; color: white;\" rel=\"noopener\">Help me get Abroad Education Loan<\/a>\n<\/button>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Bank of Baroda<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Education Loan<\/strong><\/td><td><strong>Quantum of Finance<\/strong><\/td><\/tr><tr><td>Baroda Scholar<\/td><td>-Rs. 150.00 lakh for Premier Institutions<br>-Rs. 60.00 lakh for non-Premier Institutions<\/td><\/tr><tr><td>Baroda Education Loan to Students of Premier Institutions<\/td><td>Up to Rs. 80 lakhs<\/td><\/tr><tr><td>Baroda Education Loans for EDP being offered by Premier Institutions Abroad<\/td><td>Up to Rs. 80 lakhs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Punjab National Bank<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Education Loan<\/strong><\/td><td><strong>Quantum of Finance<\/strong><\/td><\/tr><tr><td>PNB Udaan<\/td><td>Maximum Rs. 50 lakhs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Moratorium_Period\"><\/span><strong>Moratorium Period<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Also known as the repayment holiday, this is a grace period where you are allowed not to make any payments as you prepare yourself financially. The period of moratorium in education loans for both banks is identical, with only a single adjustment.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Bank of Baroda<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Moratorium Period<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Scholar<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + 1 year<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loan to Students of Premier Institutions<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + 1 year<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loans for EDP being offered by Premier Institutions Abroad<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + 3 Months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Punjab National Bank<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Moratorium Period<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">PNB Udaan<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + 1 year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Margin_Money_Charged\"><\/span><strong>Margin Money Charged<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Banks can allow you to borrow education loans against securities. This increases your borrowing power as you made contributions before obtaining the education loan. An almost similar margin of money is charged in both banks, with a few adjustments.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Bank of Baroda<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Margin Money Charged<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Scholar<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><em>Premier Institutions<\/em><br><\/strong>-Up to Rs 4.00 lakh: NIL<br>-Above Rs.4.00 Lakh up to Rs 7.50 Lakh: 15%<br>-Above Rs 7.50 lakh: NIL<br><strong><em>Non-<\/em> Premier Institutions<br><\/strong>-Up to Rs 4.00 lakh: NIL<br>-Above Rs.4.00 Lakh up to Rs 7.50 Lakh: 15%<br>-Above Rs 7.50 lakh: 10%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loan to Students of Premier Institutions<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Up to Rs 4.00 lakh: NIL<br>-Above Rs.4.00 Lakh up to Rs 7.50 Lakh: 5%<br>-Above Rs 7.50 lakh: NIL<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loans for EDP being offered by Premier Institutions Abroad<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><em>Premier Institutions<\/em><br><\/strong>-Up to Rs 4.00 lakh: NIL<br>-Above Rs.4.00 Lakh up to Rs 7.50 Lakh: 15%<br>-Above Rs 7.50 lakh: NIL<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Punjab National Bank<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Margin Money Charged<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">PNB Udaan<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Up to Rs 4.00 lakh: NIL<br>-Above Rs.4.00 Lakh: 15%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Repayment_Terms\"><\/span><strong>Repayment Terms<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>An education loan repayment plan will help you clear your loan quickly. There is a fair battle between the Bank of Baroda and Punjab National Bank in repayment terms as they have the same timeline for their education loans for studies abroad.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Bank of Baroda<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Repayment Terms<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Scholar<\/td><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"3\">Maximum 10-15 years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loan to Students of Premier Institutions<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loans for EDP being offered by Premier Institutions Abroad<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Punjab National Bank<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Repayment Terms<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">PNB Udaan<\/td><td class=\"has-text-align-center\" data-align=\"center\">Maximum up to 15 years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types_Of_Collateral\"><\/span><strong>Types Of Collateral<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Loan security is crucial in determining the amount of loan you&#8217;ll be offered. The collateral guarantees a loan since there&#8217;s something to recover from when the borrower is not in a position to pay. The type of collateral is subjective, but the terms are:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Bank of Baroda<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Moratorium Period<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Scholar<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Up to Rs.7.50 Lakh: No collateral\/third-party guarantee<br>-Above Rs.7.50 Lakh to Rs.80.00 Lakh: Collateral security of 100% of the loan amount<br>-Above Rs 80.00 lakh: Total security coverage should be 1.25 times the loan amount<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loan to Students of Premier Institutions<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Rs.10.00 Lakh to 40 Lakh: Depends on institution listing<br>-Above Rs 80.00 lakh: Total security coverage should be 1.25 times the loan amount<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Baroda Education Loans for EDP being offered by Premier Institutions Abroad<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Up to Rs.4 Lakh: No collateral\/co-obligation of parent<br>-Above Rs.4 Lakh up to Rs.7.5 Lakh: suitable third-party guarantee<br>-Above Rs 7.5 lakh: Tangible collateral security equal to 100% of the loan amount<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Punjab National Bank<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Education Loan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Security<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">PNB Udaan<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Up to Rs.7.50 Lakh: No collateral\/third-party guarantee\/co-obligation of parent<br>-Above Rs.7.50 Lakh up to Rs.80.00 Lakh: co-obligation of parent\/tangible collateral security equal to a suitable value acceptable to the bank<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Countries_Each_Bank_Caters_To\"><\/span><strong>Countries Each Bank Caters To<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda is available in the following countries: India, Australia, Malaysia, Thailand, United States, United Kingdom, United Arab Emirates, Zambia, Uganda, Kenya, Tanzania, New Zealand, Botswana, Oman, Singapore, Seychelles, South Africa, Mauritius, Fiji Islands, and Belgium.<\/p>\n\n\n\n<p>Punjab National Bank is available in the following countries: India, UK, Kowloon (Hong Kong), Dubai (UAE), Kabul (Afghanistan), Almaty (Kazakhstan), Shanghai (China), Oslo (Norway), Sydney (Australia), Bhutan, Nepal, Bangladesh, Myanmar, and Hong Kong.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_Of_The_Two_Is_UniCreds_Partner\"><\/span><strong>Which Of The Two Is UniCreds&#8217; Partner?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>UniCreds works with both banks, depending on the student&#8217;s needs and where they have been banking. We have all the necessities to help you process a student loan. We can also offer consultation to determine Punjab National Bank or BOB which is better.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Which Bank Is Better, Bank Of Baroda Or Punjab National Bank?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>It all depends on your education loan needs.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Which Bank Offers Better Interest Rates For Education Loans, Bank Of Baroda Or Punjab National Bank?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>BoB offers better interest rates as per the latest updates on the websites of the two banks in question.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Can You Compare The Processing Fees For Education Loans At Bank Of Baroda And Punjab National Bank?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>The processing fees are almost identical for the two banks.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. What Is The Maximum Loan Amount Offered By Bank Of Baroda And Punjab National Banks for Education Purposes?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>BoB has a higher maximum loan amount of up to Rs. 150.00 lakh, while Punjab National Bank offers up to Rs. 50.00 lakh.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Are There Any Specific Eligibility Criteria That Differ Between Bank Of Baroda And Punjab National Bank Education Loans?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>There is no significant difference in the eligibility criteria.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. How Do The Repayment Terms Vary Between Bank Of Baroda And Punjab National Bank Education Loans?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>They both have up to 15 years.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank of Baroda vs Punjab National Bank is India&#8217;s top-performing PSU banks that serve as the benchmark for the rest. They are reputable for their performance, products and services, and customer satisfaction. With the cost of studying abroad hitting an all-time high, the demand for education loans has increased. So, which bank is best, Punjab [&hellip;]<\/p>\n","protected":false},"author":74,"featured_media":32500,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2578],"tags":[2853,2847,2851,2842,2849,2850,32,2846,2844],"class_list":["post-32499","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan","tag-australia","tag-canada","tag-france","tag-germany","tag-ireland","tag-new-zealand","tag-student-loan","tag-uk","tag-usa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank Of Baroda Vs Punjab National Bank: Find Key Differences! - UniCreds Blog<\/title>\n<meta name=\"description\" content=\"Bank Of Baroda Vs Punjab National Bank: Understand the key differences of these two banks and how UniCreds can 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