Punjab & Sind Bank Home Loan in Guwahati

About Punjab & Sind Bank Home Loan Guwahati

Punjab & Sind Bank is known to be one of the foremost contributors of home loans through its best customer service. There are numerous satisfied customers of Home Loan around Guwahati and outside regions which prefers Punjab & Sind Bank home loans for their varied purposes. Be it for construction or purchase of a new home/readymade flat or plot, buying a resale home or obtaining the balance transfer or for repair purposes, redecorating or improvement of an existing home and much more. The loans are sanctioned as per the CIBIL score(750 score) which can be obtained by every customer.

Punjab & Sind Bank Home Loan Guwahati 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.

To know more details, visit Home Loan Guwahati

Address of Punjab & Sind Bank Branches in Guwahati

Branch NameComplete AddressIFSCMICRContact Number
Rajdhani College Guwahati Rajdhani College Beltola Road Guwahati - 781028 PSIB00008547810230040361 2228156
Rajgarh Road, GuwahatiRajgarh Road, Opp. Manipur Bhawan Guwahati, Assam - 781003 PSIB00007577810230030361 2523755
Fancy Bazar Guwahati Fancy Bazar, Lohia Market, Guwahati, Assam - 781001 PSIB00003047810230020361 2544060
Maligaon, Guwahati A.T.Road, Adabari, Maligaon, Guwahati , Assam - 781014 PSIB0020940NON-MICR0361 2544060
Uzan Bazar Guwahati Hem Chandra Road, Uzan Bazar, Guwahati 781001, AssamPSIB0021349NON-MICR9435302511

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