Punjab & Sind Bank Home Loan Ghaziabad - IFSC, Rates March 2024, EMI, Eligibility

Punjab & Sind Bank Home Loan in Ghaziabad

About Punjab & Sind Bank Home Loan Ghaziabad

Do you wish to get affordable interest rates on your home loan? Consider Punjab & Sind Bank Home Loan Ghaziabad which offers you the best home loan at affordable interest rates so as to fulfill your dreams. The bank brings you the vast variety of home loan categories to choose from so that your different needs may get accommodated.

Punjab & Sind Bank Home Loan Ghaziabad at a glance

Interest Rate11.15% - 12.75%
Loan AmountFor Salaried Class:

Up-to 18 times monthly net salary/1.5 times of Net Annual Income or ₹ 3 lacs, whichever is less
For Pensioner:
(a) Pensioners upto the age of 65 years - Up-to 15 times monthly net pension or ₹ 3lacs, whichever is less.
b) For Pensioners above the age of 65 years and upto the age of 70 years - Up-to 10 times monthly net pension or ₹ 1 Lac, whichever is less.
TenureUpto 5 years
Processing FeeOne-Time:
1.0% of the loan amount.
Pre-payment ChargesMinimum prepayment charges

Eligibility Criteria

The borrowers need to fulfill the following eligibility criteria while applying for Punjab & Sind Bank Home Loan:

(i) Individuals, Group of individuals, and individual members of housing societies are eligible under the scheme

(ii) Minimum age limit should be 18 years Maximum age limit should be subject to maximum age for repayment period

(iii) The following are the applicable categories in terms of availing guarantee towards home loan:

  • In case of Co-borrower: Third Party Guarantee may be waived.

  • In all other cases: guarantee of spouse or Major son may be obtained, if available

  • In cases, where sale deed/ lease deed/conveyance deed is to be registered after a considerable gap like in cases of Installment/construction linked plan e.g. Authority/ Society/ Builder’s flats/plots: Guarantee of earning spouse/ major son or suitable third party guarantee must be obtained.

Documents Required

The salaried employees/self-employed professionals and businessmen need to produce the following documents while applying for home loan.

  • Identity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

  • Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

  • Income Proof-Latest Salary Slips & Form 16 for Salaried employees, Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years for self-employed professionals and businessmen.

  • Bank Account Statement for the Last 6 Months.

  • Track record of existing loans, if any.

  • Details of property you look to buy & construct.

To know more details, visit Home Loan Ghaziabad

Address of Punjab & Sind Bank Branches in Ghaziabad

Branch NameComplete AddressIFSCMICRContact Number
Ghaziabad G.T. Road 58, G.T Road Ghaziabad - 201009 PSIB00001911100230670120-2731237
SahibabadA - 1, Site No.4, Industrial Area, Sahibabad, Ghaziabad - 201010 PSIB00003641100230620120-2895278
IndirapuramIndirapuram, GhaziabadPSIB0000883NON-MICR2710610
Chander Nagar, Ghaziabad, UpDav Cent Pub. School, Chander Nagar, Dist. Ghaziabad, UpPSIB00009061100231000120 2614646
Loni Border, Ghaziabad, UpLakshmi Gardens, Loni Border, Distt.Ghaziabad, Up PSIB00007041100230840120 2602093
Ghaziabad S.D.CollegeS.D. College, G.T. Road, Ghaziabad - 201009PSIB00007491100230860120-2731350
Sahibabad Pratap Vihar Santosh Medical College, Sahibabad, Ghaziabad, Uttar Pradesh PSIB00008601100230620120-2743975
New Ghaziabad Up195 - B, Lohia Nagar New Ghaziabad - 201009PSIB00005381100230660120 2710610
Pasonda, Distt. Ghaziabad, Uttar PradeshG.T. Road, Pasonda, Distt. Ghaziabad, Uttar Pradesh - 251005 PSIB0000083NON-MICR0120 2627612
Sahibabad Krishi Upaj Mandi SamitiKrishi Utpadan Mandi, Ind.Area, Sahibabad, Uttar Pradesh - 201010 PSIB00007751100231030120 2772581

  • Home Loan Interest Rates March 2024
    Axis Bank8.75% - 9.15%
    Bank of Baroda8.50% - 10.60%
    Citibank8.75% - 9.15%
    HDFC8.50% - 9.40%
    ICICI Bank9.00% - 9.85%
    Indiabulls Housing Finance Limited8.65%
    Kotak Bank8.70%
    LIC Housing8.50% - 10.50%
    Piramal Capital & Housing Finance10.50%
    PNB Housing Finance8.50% - 10.95%
    Reliance Home Finance8.75% - 14.00%
    State Bank of India/SBI9.10% - 9.65%
    Tata Capital8.95% - 12.00%