Punjab & Sind Bank Home Loan Lucknow - IFSC, Rates Dec 2023, Eligibility, EMI

Punjab & Sind Bank Home Loan in Lucknow

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

Interest Rate11.15% - 12.75%
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 Lucknow

Address of Punjab & Sind Bank Branches in Lucknow

Branch NameComplete AddressIFSCMICRContact Number
Alam Bagh LucknowAlam Bagh , Lucknow – 226005
Char Bagh, LucknowChar Bagh, LucknowPSIB0000916NON-MICR2228639
Gomati Nagar, LucknowGomati Nagar, LucknowPSIB0000917NON-MICR2456688
Lda Colony LucknowSt.Anns Day School Sector F L.D.A Colony, Kanpur Road LucknowPSIB00007762260230080522-2431419
Hazrat Ganj, Lucknow11 M.G.Road, Hazrat Ganj, Habibullah Estate, Lucknow, Uttar Pradesh - 226001PSIB00001662260230020522 2228639
Pioneer Montessori School, Vikas Nagar, LucknowPioneer Montessory School, Vikas Nagar, Lucknow, Uttar Pradesh - 226004 PSIB00007782260230070522-2769105
Raja Ji Puram, LucknowSri. Dashmesh Guru Singh Sabha Rajaji, Puram, Lucknow, Uttar Pradesh - 226004PSIB00007792260230060522-2411250
Lucknow Pioner M. I. College, RakabganjPioneer Montessori School, Indrani Nagar, Kundri Rakabganj, Lucknow, Uttar Pradesh - 226004PSIB00007902260230070522-2240175
Indira Nagar14/1 Sagar Deep Building, Indira Nagar, Lucknow, Uttar Pradesh - 226016 PSIB00008022260230050522-2711410
Jagatpur Distt RaebareliAllahabad Road Jagatpur, Rai Bareilly, Uttar Pradesh-229402PSIB0020959NON-MICR0522-2614260, 9451383204

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