Punjab & Sind Bank Home Loan in Kolkata

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

ParticularsDetails
Interest Rate12.65% - 13.90%
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 Kolkata

Address of Punjab & Sind Bank Branches in Kolkata

Branch NameComplete AddressIFSCMICRContact Number
Kolkata Main8, Old Court House Street Kolkata
PSIB0000147700023002033-22103469/22207578
N.S. Road Kolkata83/85, Netaji Suhash Road Kolkata – 700001PSIB0000361700023003033-22431416/22432584
Chowringhee Kolkata59 B Chowarangee Road, Kolkata – 700020PSIB000062570002301022471946
IBD Kolkata14/15 Old Court House St. Kolkata – 700001PSIB000056270002300722104357
Lindsay Street, Kolkata12/1 Lindsay Street, Kolkata, West Bengal – 700087PSIB0000501700023004033 22520030
Salt Lake, KolkataB J - 111, Sector - Ii, Salt Lake Area, Kolkata – 7000069PSIB0000620700023015033 22485990
Tangra Road, Kolkata5/4 New Tangra Road, Kolkata – 7000046PSIB0000629700023011033 23293041
Bansdroni, Kolkata235/3/1, Nsc Bose Road, Bansdrauni, Kolkata, West Bengal – 700047PSIB0000669700023012033 24710725
Birati Mahajati Vidya Mandir, KolkataBirati Mahajati Vidya Mandir, Kolkata, West Bengal – 700051PSIB0000846700023018033 25126477
Kalakar Street3 A Madho Kesto Seth Lane, Kalakar Street, West BangalPSIB0000537NON-MICR033 22381748

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