{"id":32755,"date":"2024-04-01T16:37:33","date_gmt":"2024-04-01T11:07:33","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=32755"},"modified":"2025-11-26T10:23:43","modified_gmt":"2025-11-26T04:53:43","slug":"axis-bank-vs-punjab-national-bank","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/axis-bank-vs-punjab-national-bank\/","title":{"rendered":"Axis Bank Vs Punjab National Bank"},"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\/axis-bank-vs-punjab-national-bank\/#Difference_Between_Axis_Bank_Punjab_National_Bank\" >Difference Between Axis Bank &amp; Punjab National Bank<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-punjab-national-bank\/#Eligibility_Criteria_For_Axis_Bank_Vs_Punjab_National_Bank_Abroad_Education_Loan\" >Eligibility Criteria For Axis Bank Vs. Punjab National Bank Abroad Education Loan&nbsp;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-punjab-national-bank\/#Documents_Required_For_Axis_Bank_Vs_Punjab_National_Bank_Education_Loan\" >Documents Required For Axis Bank Vs. Punjab National Bank Education Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-punjab-national-bank\/#Application_Process_Of_Axis_Bank_Punjab_National_Bank_Education_Loan_Through_UniCreds\" >Application Process Of Axis Bank &amp; Punjab National Bank Education Loan Through UniCreds&nbsp;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-punjab-national-bank\/#Axis_Bank_Vs_Punjab_National_Bank_Repayment_Process\" >Axis Bank Vs. Punjab National Bank Repayment Process&nbsp;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-punjab-national-bank\/#Punjab_National_Bank_Or_Axis_Bank_Which_Is_Better\" >Punjab National Bank Or Axis Bank Which Is Better?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-punjab-national-bank\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p>Known as the UTI Bank in 1994, Axis Bank is the third largest private commercial bank in India. It offers a loan as low as Rs.50,000 with no upper limit and funds up to 100% of the cost of your international education. Likewise, Punjab National Bank is a famous bank and offers education loans under the scheme \u2018PNB Udaan\u2019 for graduate and vocational courses abroad. This blog compares Axis Bank Vs. Punjab National Bank education loan and will walk you through their key features.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Difference_Between_Axis_Bank_Punjab_National_Bank\"><\/span><strong>Difference Between Axis Bank &amp; Punjab National Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Axis Bank education loan is one of the best options if you want to opt for an unsecured education loan. Axis Bank has approved a wide range of universities abroad. The bank offers loans to STEM and non-STEM courses.<\/p>\n\n\n\n<p>Whereas, the requirements for a PNB student loan for study abroad are very strict in terms of universities and the courses for which an applicant is taking loan. For example, for graduate level students, courses like MS, MBA, etc. and also the vocational courses conducted by CPA in the USA or CIMA in London are eligible for a student loan.&nbsp;<\/p>\n\n\n\n<p>Given below is an overview of the key comparisons of the Axis Bank and Punjab National Bank Education Loan:&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Key Features<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/unicreds.com\/partners\/axis-bank\" target=\"_blank\" rel=\"noopener\"><strong>Axis Bank Education Loan<\/strong><\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>PNB Education Loan<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Loan Upper Limit<\/td><td class=\"has-text-align-center\" data-align=\"center\">INR 2.5 Cr<\/td><td class=\"has-text-align-center\" data-align=\"center\">-From a branch- INR 40 Lakh<br>-From a regional processing centre- INR 60 Lakh<br>-From a corporate centre (after special permission)- above INR 60 Lakh<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Interest Rates<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.8-12.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.8-9.55%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fees<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.75% + GST<\/td><td class=\"has-text-align-center\" data-align=\"center\">1%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Margin Money<\/td><td class=\"has-text-align-center\" data-align=\"center\">15%<\/td><td class=\"has-text-align-center\" data-align=\"center\">15%<\/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 Duration + 1 year<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course Duration + 1 year<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Repayment Tenure<\/td><td class=\"has-text-align-center\" data-align=\"center\">15 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">15 years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Collateral&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">Property, agricultural land, bonds, gold<\/td><td class=\"has-text-align-center\" data-align=\"center\">Property, agricultural land, bonds, gold<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Co-applicant<\/td><td class=\"has-text-align-center\" data-align=\"center\">Parent\/Legal guardian<\/td><td class=\"has-text-align-center\" data-align=\"center\">Parent\/Legal Guardian<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria_For_Axis_Bank_Vs_Punjab_National_Bank_Abroad_Education_Loan\"><\/span><strong>Eligibility Criteria For Axis Bank Vs. Punjab National Bank Abroad Education Loan&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>The eligibility criteria for Axis Bank education and Punjab National Bank vary in a lot of ways. Understanding the eligibility will help you understand which bank fits you the best. Given below are the eligibility criteria for Punjab National Bank and Axis Bank.&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Punjab National Bank Education Loan Eligibility&nbsp;<\/strong><\/h3>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Given below are the eligibility criteria for Punjab National Bank education loan, make sure you go through them thoroughly:<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteria<\/strong><\/td><td><strong>Punjab National Bank Education Loan<\/strong><\/td><\/tr><tr><td>Residence<\/td><td>Applicant must be a resident Indian<\/td><\/tr><tr><td>Admission<\/td><td>Merit-based admission to recognised university abroad required<\/td><\/tr><tr><td>Age<\/td><td>Age limits: &gt;18 and &lt;45 (employed), &lt;35 (unemployed)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Axis Bank Education Loan Eligibility<\/strong><\/h3>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Axis Bank offers loans mostly on academic credit. Given below are the eligibility criteria for Axis Bank education loan:&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteria<\/strong><\/td><td><strong>Axis Bank Education Loan Eligibility<\/strong><\/td><\/tr><tr><td>Citizenship<\/td><td>Applicant must be an Indian citizen<\/td><\/tr><tr><td>Academic Achievement<\/td><td>Minimum 50% required in Class 12 and during graduation<\/td><\/tr><tr><td>Course<\/td><td>Admission to STEM course is essential for eligibility<\/td><\/tr><tr><td>Co-applicant<\/td><td>Co-applicant&#8217;s CIBIL score must exceed 600<\/td><\/tr><tr><td>Financial Stability<\/td><td>Stable income proof required for co-applicant<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Required_For_Axis_Bank_Vs_Punjab_National_Bank_Education_Loan\"><\/span><strong>Documents Required For Axis Bank Vs. Punjab National Bank Education Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Understanding the documents required for an education loan is really important for a fast application process. Even though the list of documents many vary depending on the lender, here is the main list that you would need while initially applying for the loan:&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/AeswjX2TqzD1sfa_Ycqlds6mcNK8jfwLx-Ny7QHMD_-9KXH-8sLmTlEkfqEGWNDP1_fl5l_xkgnP-RZy3VJUSvzL_lUWPIYjZSet84EccmPYAbkgF_QbD3qlGrG-_cQoqFifde6tGzZjpjSreeKx8_4\" alt=\"\"\/><\/figure>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Application_Process_Of_Axis_Bank_Punjab_National_Bank_Education_Loan_Through_UniCreds\"><\/span><strong>Application Process Of Axis Bank &amp; Punjab National Bank Education Loan Through UniCreds&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Enquiring from one bank to another can be tiresome and confusing. Hence, UniCreds has partnered with numerous financial institutions, including Axis Bank, for you. We help you get <a href=\"https:\/\/unicreds.com\/abroad-education-loan\" target=\"_blank\" rel=\"noopener\">abroad education loan<\/a>s while you sit at home and track your application! Follow the process given below:&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Step 1:<\/strong> Fill up your basic contact details on the <a href=\"https:\/\/unicreds.com\" target=\"_blank\" rel=\"noreferrer noopener\">UniCreds<\/a> website.\u00a0\u00a0<\/p>\n\n\n\n<p><strong>Step 2: <\/strong>Our expert loan counsellors will soon get in touch with you to understand your loan requirements, collateral type, eligibility, etc.&nbsp;<\/p>\n\n\n\n<p><strong>Step 3: <\/strong>We will get back to you with customised loan options from different lenders like Credila, Bank of Baroda and even Axis Bank, etc.&nbsp;<\/p>\n\n\n\n<p><strong>Step 4: <\/strong>Once you finalise your lender, you just have to submit the application form along with the customised set of documents that we will provide.&nbsp;<\/p>\n\n\n\n<p><strong>Step 5: <\/strong>That\u2019s it! Wait worry free to get your loan approved in a jiffy!&nbsp;&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Axis_Bank_Vs_Punjab_National_Bank_Repayment_Process\"><\/span><strong>Axis Bank Vs. Punjab National Bank Repayment Process&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Both Axis Bank and Punjab National Bank (PNB) offer education loans in a moratorium period in loan after disbursement. This allows you to focus on your studies before repayment kicks in. Here&#8217;s a quick breakdown:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Moratorium Period:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Axis Bank:<\/strong> Course duration + 6 months (extendable to 1 year). During this time, you pay simple interest only on the disbursed amount.&nbsp;<\/li>\n\n\n\n<li><strong>PNB:<\/strong> Up to 1 year for courses exceeding 1 year and 6 months for shorter courses. Similar to Axis Bank, you pay simple interest during this period.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Repayment Period:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Axis Bank:<\/strong> Loan repayment period extends up to 15 years.&nbsp;<\/li>\n\n\n\n<li><strong>PNB:<\/strong> Repayment period varies based on the loan amount:<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Punjab_National_Bank_Or_Axis_Bank_Which_Is_Better\"><\/span><strong>Punjab National Bank Or Axis Bank Which Is Better?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Choosing between Punjab National Bank (PNB) and Axis Bank for an education loan depends on various factors. Axis Bank offers a higher loan upper limit and slightly lower interest rates, while PNB may have a simpler processing fee structure. Additionally, both banks offer similar moratorium periods, repayment tenures, collateral requirements, and co-applicant options. Ultimately, individuals should compare the specific features, interest rates, and eligibility criteria of each bank to determine which aligns best with their financial needs and preferences.<\/p>\n\n\n\n<p>&nbsp;<\/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>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Q1. Which bank is better: Punjab National Bank or Axis Bank?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Choosing between Punjab National Bank (PNB) and Axis Bank depends on individual needs. Axis Bank offers higher loan limits, while PNB may have simpler processing fees.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Q2. Which bank offers better interest rates for education loans, Axis Bank or Punjab National Bank?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Axis Bank offers better interest rates for education loans, ranging from 9.8% to 12.5%, compared to PNB&#8217;s rates of 8.8% to 9.55%.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Q3. Can you compare the processing fees for education loans at Axis Bank and Punjab National Bank?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Axis Bank charges a processing fee of 0.75% + GST, while PNB charges a flat processing fee of 1%.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Q4. What is the maximum loan amount offered by Axis Bank and Punjab National Bank for education purposes?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Axis Bank offers a maximum loan amount of INR 2.5 crore, while PNB provides loans up to INR 40 lakh from branches, INR 60 lakh from regional processing centres, and above INR 60 lakh from corporate centres.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Q5. Are there any specific eligibility criteria that differ between Axis Bank and Punjab National Bank education loans?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Specific eligibility criteria may differ slightly, but both Axis Bank and PNB typically require Indian citizenship, admission to a professional course, and a co-applicant with a stable income.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Q6. How do the repayment terms vary between axis bank and Punjab National Bank education loans?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Repayment terms are similar, with both Axis Bank and PNB offering a moratorium period of course duration + 1 year and a repayment tenure of 15 years.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Known as the UTI Bank in 1994, Axis Bank is the third largest private commercial bank in India. It offers a loan as low as Rs.50,000 with no upper limit and funds up to 100% of the cost of your international education. Likewise, Punjab National Bank is a famous bank and offers education loans under [&hellip;]<\/p>\n","protected":false},"author":91,"featured_media":32756,"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":[],"class_list":["post-32755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Axis Bank Vs Punjab National Bank - UniCreds Blog<\/title>\n<meta name=\"description\" content=\"Axis Bank vs Punjab National Bank- Find out which bank aligns with your financial goals. 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