Punjab & Sind Bank Home Loan in Jammu

About Punjab & Sind Bank Home Loan Jammu

Get home loans without disturbing your liquidity position i.e. bank balance. Avail home loans from Punjab & Sind Bank Jammu to help you arrange finances for meeting various kind of needs.Whether it is regarding acquiring a ready-made plot/flat, construction of house, repairs or modifications or renovation-avail housing loans at lowest interest rates. Let your goals get assorted in the canopy of home loans to accommodate your varied requirements.

Punjab & Sind Bank Home Loan Jammu 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 Jammu

Address of Punjab & Sind Bank Branches in Jammu

Branch NameComplete AddressIFSCMICRContact Number
Nanak Nagar, Jammu Sec - 1, Near Gurudwara Building, Nanak Nagar, JammuPSIB00007311800230042450993
Jammu (MAIN) , Shalimar Road Shalimar Road, JammuPSIB00001731800230012543373
Srinagar Main Jehangir Hotel Building, Badshah Chowk, Srinagar, Jammu & Kashmir - 190001PSIB0000237NON-MICR0194 2455180
Udhampur Lal Chowk, Udhampur, Jammu & Kashmir. - 182101PSIB0000239NON-MICR01992 270158
Jammu DigianaSri Sant Mela Singh Technical Ashram, Digiana Jammu, Jammu & Kashmir-180001 PSIB0000730NON-MICR0191 2451405
Kathua College Road, Kathua, Jammu & Kashmir -143514 PSIB00005821840230011922232216
Batote Batote, Distt. Doda, Jammu & Kashmir PSIB0000231NON-MICR1998244247
Baramulla Main Market, Distt. Baramulla, Jammu & Kashmir - 193101PSIB00004851930230011952234319
Jammu Exchange Road Exchange Road, Distt. Jammu, Jammu & Kashmir - 181101PSIB00006601800230031912579283
Bari Brahmana (Nowhatta) Bari Brahmana, Distt. Jammu, Jammu & Kashmir - 193101PSIB00006611800230071923220071

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