Punjab & Sind Bank Home Loan in Kolkata
Last Updated : May 5, 2018, 4:17 p.m.
About Punjab & Sind Bank Home Loan Kolkata
Punjab & Sind Bank Kolkata invites individuals whether salaried employees, self-employed professionals or businessmen to fulfill their home loan aspirations. The Kolkata borrowers have a reason to rejoice as interest rates are flexible enough to suit their different kinds of home loan requirements. Check eligibility now which help to reduce the time interval for getting sanction on your desired home loan.
Punjab & Sind Bank Home Loan Kolkata at a glance
| Particulars | Details |
|---|---|
| Interest Rate | 11.15% - 12.75% |
| Loan Amount | For 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 ₹ 3 lacs, 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. |
| Tenure | Upto 5 years |
| Processing Fee | One-Time: 1.0% of the loan amount. |
| Pre-payment Charges | Minimum 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 Kolkata
Address of Punjab & Sind Bank Branches in Kolkata
| Branch Name | Complete Address | IFSC | MICR | Contact Number |
|---|---|---|---|---|
| Kolkata Main | 8, Old Court House Street Kolkata | PSIB0000147 | 700023002 | 033-22103469/22207578 |
| N.S. Road Kolkata | 83/85, Netaji Suhash Road Kolkata – 700001 | PSIB0000361 | 700023003 | 033-22431416/22432584 |
| Chowringhee Kolkata | 59 B Chowarangee Road, Kolkata – 700020 | PSIB0000625 | 700023010 | 22471946 |
| IBD Kolkata | 14/15 Old Court House St. Kolkata – 700001 | PSIB0000562 | 700023007 | 22104357 |
| Lindsay Street, Kolkata | 12/1 Lindsay Street, Kolkata, West Bengal – 700087 | PSIB0000501 | 700023004 | 033 22520030 |
| Salt Lake, Kolkata | B J - 111, Sector - Ii, Salt Lake Area, Kolkata – 7000069 | PSIB0000620 | 700023015 | 033 22485990 |
| Tangra Road, Kolkata | 5/4 New Tangra Road, Kolkata – 7000046 | PSIB0000629 | 700023011 | 033 23293041 |
| Bansdroni, Kolkata | 235/3/1, Nsc Bose Road, Bansdrauni, Kolkata, West Bengal – 700047 | PSIB0000669 | 700023012 | 033 24710725 |
| Birati Mahajati Vidya Mandir, Kolkata | Birati Mahajati Vidya Mandir, Kolkata, West Bengal – 700051 | PSIB0000846 | 700023018 | 033 25126477 |
| Kalakar Street | 3 A Madho Kesto Seth Lane, Kalakar Street, West Bangal | PSIB0000537 | NON-MICR | 033 22381748 |
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