Punjab & Sind Bank Home Loan in Gurugram

About Punjab & Sind Bank Home Loan Gurugram

Gurugram city invites home loan borrowers to translate their home loan dreams into reality by availing affordable home loans from Punjab & Sind Bank. Whether it for construction, repairs or modifications, renovation or for acquiring a ready-made plot/flat, get it at competitive interest rates which appropriately fit-in your home loan dreams. The interest rates are affordable enough to accommodate the repayment capacity of every borrower.

Punjab & Sind Bank Home Loan Gurugram at a glance

ParticularsDetails
Interest Rate12.80% - 14.05%
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.

For more information, Click Home Loan Gurugram.

Address of Punjab & Sind Bank Branches in Gurugram

Branch NameComplete AddressIFSCMICRContact Number
Gurudwara Road, Gurugram Gurudwara Road, GurugramPSIB00003531100230636321313
Sec 10 GurugramSCO - 98, Sector 10 - A, Hudda Market, Gurugram - 122001 PSIB00008901100231152321313
Sector 44, GurugramInstitutional Plot No.151, Sector-44, Gurugram, Haryana-123003 PSIB0021509NON-MICR8447287281

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