About Punjab & Sind Bank Home Loan Lucknow
Punjab & Sind Bank Lucknow induces home loan borrowers to avail home loans so as to realize their dreams of owning their home one day. Get instant approval on your home loans which comes with minimal documentation processes and flexible EMIs which help the borrowers to comfortably plan their home loans without any inconvenience.
Punjab & Sind Bank Home Loan Lucknow 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 ₹ 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. |
| 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 Lucknow
Address of Punjab & Sind Bank Branches in Lucknow
| Branch Name | Complete Address | IFSC | MICR | Contact Number |
|---|---|---|---|---|
| Alam Bagh Lucknow | Alam Bagh , Lucknow – 226005 | PSIB0000412 | 226023003 | 0522-2456688 |
| Char Bagh, Lucknow | Char Bagh, Lucknow | PSIB0000916 | NON-MICR | 2228639 |
| Gomati Nagar, Lucknow | Gomati Nagar, Lucknow | PSIB0000917 | NON-MICR | 2456688 |
| Lda Colony Lucknow | St.Anns Day School Sector F L.D.A Colony, Kanpur Road Lucknow | PSIB0000776 | 226023008 | 0522-2431419 |
| Hazrat Ganj, Lucknow | 11 M.G.Road, Hazrat Ganj, Habibullah Estate, Lucknow, Uttar Pradesh - 226001 | PSIB0000166 | 226023002 | 0522 2228639 |
| Pioneer Montessori School, Vikas Nagar, Lucknow | Pioneer Montessory School, Vikas Nagar, Lucknow, Uttar Pradesh - 226004 | PSIB0000778 | 226023007 | 0522-2769105 |
| Raja Ji Puram, Lucknow | Sri. Dashmesh Guru Singh Sabha Rajaji, Puram, Lucknow, Uttar Pradesh - 226004 | PSIB0000779 | 226023006 | 0522-2411250 |
| Lucknow Pioner M. I. College, Rakabganj | Pioneer Montessori School, Indrani Nagar, Kundri Rakabganj, Lucknow, Uttar Pradesh - 226004 | PSIB0000790 | 226023007 | 0522-2240175 |
| Indira Nagar | 14/1 Sagar Deep Building, Indira Nagar, Lucknow, Uttar Pradesh - 226016 | PSIB0000802 | 226023005 | 0522-2711410 |
| Jagatpur Distt Raebareli | Allahabad Road Jagatpur, Rai Bareilly, Uttar Pradesh-229402 | PSIB0020959 | NON-MICR | 0522-2614260, 9451383204 |