Punjab and Sind Bank Personal Loan In this article you Punjab and Sind Bank Personal Loan Will get information about | If you want to take a personal loan from Punjab and Sind Bank, then this article is for you. Like other banks, Punjab and Sind Bank also offers personal loans to its customers.
If you want to take advantage of Punjab and Sind Bank Personal Loan, then you have to apply for it, which you can do online or offline.
in present time Punjab and Sind Bank Personal Loan Interest Rate 10.55% p.a. starts from Under this loan, you can get a loan of up to Rs 10 lakh.
Punjab and Sind Bank Personal Loan in Hindi 2022
Any person can take a personal loan for any of his personal expenses such as marriage expenses, higher education, children’s fees, travel, medical emergency etc. The CIBIL score of the applicant should be very good to take this loan.
The amount given under the loan depends on many factors such as the applicant’s credit score, income, age etc. If the customer has a high CIBIL score and income, then he can get a personal loan up to a higher loan amount and at an attractive interest rate.
As your CIBIL score decreases, the interest rate will increase, so if you want to get a personal loan at a low interest rate from the bank, then you have to pay special attention to your credit score. For a loan tenure of up to a maximum of 72 months, you can Punjab and Sind Bank Personal Loan can get
You can calculate the EMI of your loan with the help of Punjab and Sind Bank Personal loan EMI calculator by visiting the official website of the bank.
HIGHLIGHTS:
| loan name | Punjab and Sind Bank Personal Loan 2022 |
| Name of the lending bank | Punjab And Sind Bank |
| loan amount | Maximum Rs.10 lakh |
| loan tenure | max 72 months |
| Rate of interest | Starting at 10.55% p.a. |
| processing fee | 0.50% to 1% of the loan amount |
| official website | punjabandsindbank.co.in |
psb personal loan interest rate 2022
Punjab and Sind Bank Personal Loan Interest Rate 10.55% p.a. starts from The interest rate is highly dependent on the CIBIL score of the borrower. With a good CIBIL score, the customer can get a loan at a lower interest rate.
You can understand the PSB Personal loan interest rate from the table given below:
| grade | cibil credit vision score | spread (%) | EBLR , |
|---|---|---|---|
| Govt./PSU/Pensioners/Approved Educational Institutions | 768-900
753-767 or (-1),3,4,5 732-752 690-731 641-689 |
2.61
2.71 2.91 3.26 3.71 |
10.55
10.65 10.85 11.20 11.65 |
| Private Employee / MNC | 768-900
753-767 or (-1),3,4,5 732-752 690-731 641-689 |
3.11
3.21 3.41 3.76 4.21 |
11.05
11.15 11.35 11.70 12.15 |
Punjab and Sind Bank Personal Loan Benefits and Features
- This bank provides personal loans to pensioners and salaried individuals.
- The customer can get a loan up to a maximum of Rs 10 lakh.
- The processing fee for the loan ranges from 0.50% to 1% of the loan amount.
- The maximum loan tenure of PSB Personal loan is up to 72 months.
- The applicant has to give the guarantee of the spouse or elder children or third party.
- If you fulfill all the conditions of this loan, then you can get instant personal loan from the bank in less time.
Loan Amount:
For Salaried Category:
- Permanent Govt. Employees/PSU Employees/MNC Employees/Employees of approved educational institutions – can avail loan up to 18 times of their monthly income, subject to a maximum of Rs.10 Lakhs.
- Permanent employees of other private institutions – The applicant can get a loan up to 18 times of his monthly income or up to a maximum of Rs 5 lakh.
Pensioners up to the age of 65 years:
- The applicant can get a loan up to 15 times the monthly net pension or up to a maximum of Rs 3 lakh.
Pensioners above 65 years and up to 70 years of age:
- The applicant can get a loan up to 10 times of his monthly net pension or up to a maximum of Rs 1 lakh.
Punjab and Sind Bank Personal Loan Eligibility
- Salaried and pensioners can apply for this loan.
- The minimum age of the applicant should be 21 years.
- Maximum age – 60 years for salaried class and 70 years for pensioners.
PSB Personal loan Documents required
- Application Form duly filled in and signed by the applicant
- Identity proof like Aadhaar card or PAN card
- Bank account statement
- proof of residence
- income proof
- Salary slip
- mobile number
- statement of personal assets and liabilities
How to apply for Punjab and Sind Bank Personal Loan?
To take this personal loan, you will have to apply, whose complete details are given below:
Punjab and sind bank personal loan apply online
- To apply online, you must first visit the official website of Punjab and Sind Bank.
- website home page Apply Retail loan The option of will appear, click on it.
- After clicking, the loan application form will open on the next page.
- You have to enter all the information sought in the form correctly and submit the form.
- After submitting the form, the bank staff will contact you and the loan process will be continued further.
How to apply offline?
- To apply offline, you must first go to your nearest branch of Punjab and Sind Bank.
- You will have to contact the bank employee by going to the bank branch.
- The bank employee will provide you all the information related to the loan.
- Then your documents will be verified.
- You will be given an application form.
- You have to enter all the information sought in the form correctly, attach your documents and submit it to the bank.
- In this way your offline application will be done.
- If your loan is approved, the loan amount will be transferred to your bank account.
Personal loan fees and charges
| processing charge | For Government/PSU/Pensioners/Approved Educational Institutions – 0.50% of the loan amount + GST For Private Institution / MNC – 1% of the loan amount + GST |
| documentation fee | Actual stamp/revenue expenditure only |
| inspection fee | Zero |
| prepayment fee | Zero |
PSB Personal Loan Customer Care Number
- Toll Free Number 1800-419-8300
conclusion
In this article we have given you Punjab and Sind Bank Personal Loan Tried to give complete information about Any individual who wants to get a loan for his personal expenses can apply for Punjab and Sind Bank Personal Loan.
If you want to get any other information about this loan, then you can get information by calling the Punjab and Sind Bank Personal Loan Customer Care Number.
FAQ:
10 lakhs up to Rs.
The interest rate of this loan starts from 10.55% per annum.
up to 72 months.