Punjab & Sind Bank Home Loan

The Punjab & Sind Bank Home Loan is a reliable and affordable housing finance solution designed to help individuals and families achieve their dream of owning a home. Offered by one of India's trusted public sector banks, this bank home loan supports property purchase, construction, renovation, and extension at competitive interest rates. With transparent terms, flexible repayment options, and a simple bank home loan process, Punjab & Sind Bank makes homeownership accessible for salaried employees, self-employed professionals, and NRIs alike.
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Home Loan Offers
  • ICICI Bank Recommended
    9% Interest
    ₹2.95Cr Loan Amount
    20 Yr Tenure
    ₹2,65,419 Monthly EMI
    Get Loan disbursed under 15 Days
    ₹59,000 Cash Reward
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  • SBI Recommended
    8.9% Interest
    ₹2.95Cr Loan Amount
    30 Yr Tenure
    ₹2,24,742 Monthly EMI
    Get Loan disbursed under 15 Days
    ₹59,000 Cash Reward
    Enquiry
  • Axis Recommended
    8.9% Interest
    ₹2.95Cr Loan Amount
    30 Yr Tenure
    ₹2,24,742 Monthly EMI
    Get Loan disbursed under 15 Days
    ₹59,000 Cash Reward
    Enquiry
  • BOB Recommended
    8.9% Interest
    ₹2.95Cr Loan Amount
    30 Yr Tenure
    ₹2,24,742 Monthly EMI
    Get Loan disbursed under 15 Days
    ₹59,000 Cash Reward
    Enquiry
  • CBI Recommended
    8.9% Interest
    ₹2.95Cr Loan Amount
    30 Yr Tenure
    ₹2,24,742 Monthly EMI
    Get Loan disbursed under 15 Days
    ₹59,000 Cash Reward
    Enquiry
  • Indian Bank Recommended
    8.9% Interest
    ₹2.95Cr Loan Amount
    30 Yr Tenure
    ₹2,24,742 Monthly EMI
    Get Loan disbursed under 15 Days
    ₹59,000 Cash Reward
    Enquiry
  • HDFC Recommended
    8.9% Interest
    ₹2.95Cr Loan Amount
    30 Yr Tenure
    ₹2,24,742 Monthly EMI
    Get Loan disbursed under 15 Days
    ₹59,000 Cash Reward
    Enquiry
  • PNB Recommended
    8.9% Interest
    ₹2.95Cr Loan Amount
    30 Yr Tenure
    ₹2,24,742 Monthly EMI
    Get Loan disbursed under 15 Days
    ₹59,000 Cash Reward
    Enquiry
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Eligibility Criteria for Punjab & Sind Bank Home Loan

Eligibility Factor Details
Age Minimum 21 years at loan application
Maximum Age Up to 70 years at loan maturity
Employment Type Salaried, self-employed, professionals, NRIs
Income Stability Regular and verifiable income source
Credit Profile Good credit history and repayment record
Property Type Residential property approved by the bank
Loan Tenure Up to 30 years, subject to eligibility

Punjab & Sind Bank Home Loan Schemes

Punjab & Sind Bank offers multiple PSB home loan options to cater to different borrower profiles and housing needs:

Home Loan for Salaried Individuals: Ideal for government employees, PSU staff, and private-sector salaried professionals with stable monthly income and EMI affordability.

Home Loan for Self-Employed & Professionals: Designed for business owners, doctors, chartered accountants, and other professionals with consistent business income.

NRI Home Loan: Special housing finance solution for Non-Resident Indians to purchase or construct residential property in India.

Home Improvement / Renovation Loan: Suitable for borrowers looking to renovate, repair, or extend their existing residential property.

Documents Required for Punjab & Sind Bank Home Loan

The home loan documents required may vary based on the applicant category. A general checklist is provided below:

Applicant Type Required Documents

Salaried Applicants

Identity proof, address proof, salary slips (last 3–6 months), Form 16, bank statements

Self-Employed Applicants

Identity proof, address proof, income tax returns, profit & loss statement, bank statements

NRIs

Passport, visa, overseas address proof, income proof, NRE/NRO bank statements

Property Documents

Sale agreement, title deed, approved building plan, property valuation report

Processing Fees & Charges

The Punjab and Sind Bank home loan interest rate is competitive and linked to prevailing market benchmarks, ensuring transparency and affordability. Processing fees are generally nominal, with possible concessions during promotional periods. Other charges may include legal and technical verification costs, documentation charges, and applicable GST. EMI amounts depend on loan tenure, interest rate, and repayment capacity.

Money Bag
EMI Calculator
You are Eligible for EMI Amount
₹56,409
Principal Amount
₹6,500,000
Interest Amount
₹7,038,042
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8,000,000₹
8.5 p.a
20 years

You are Eligible for EMI Amount

0
Principal Amount
0
Interest Amount
7,038,042
Why TyTil for Home Loan?
  • Offers from 34+ Banks
  • Lowest Interest Rate
  • Highest Loan Value

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How to Apply for Punjab & Sind Bank Home Loan

Follow these 4 simple steps to apply Punjab & Sind Bank home loan smoothly:

Check Eligibility
Review loan eligibility, EMI affordability, and required documents.
Submit Application
Apply online via the Punjab & Sind Bank official site or visit a nearby branch.
Document Verification
The bank verifies income, credit profile, and property details.
Loan Approval & Disbursal
Upon approval, the property loan amount is disbursed as per construction or purchase stage.

For the latest updates, interest rates, or personalized guidance, visit the Punjab & Sind Bank official site, or contact Punjab & Sind Bank through their nearest branch to begin your housing finance journey with confidence.

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