Punjab & Sind Bank Home Loan in Patna

About Punjab & Sind Bank Home Loan Patna

Get instant approval on your home loans by maintaining a clear track record of past payment history. Apply now for your desired home loan for quick approval and get the lowest interest rates on the loan amount sanctioned to you. With minimum documentation processes and flexible repayment options to choose from help the borrowers plan their equated monthly installments at ease.

Punjab & Sind Bank Home Loan Patna 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 Patna

Address of Punjab & Sind Bank Branches in Patna

Branch NameComplete AddressIFSCMICRContact Number
Fraser Road , Patna42, Fraser Road, PatnaPSIB00001748000230022221850
Patna CityHazi Ganj, Patna City, Bihar - 800008 PSIB0000286NON-MICR0612 2616059
Patna Central SchoolPatna Central School, Sudarshan Vihar, Jangpura, Patna, Bihar - 800020 PSIB00007828000230040612-2380039
R.K.Avenue, Patna, Bihar 92 - A, Block - B, R.K. Avenue, Rajendra Nagar, Patna, Bihar Pin 800016PSIB0020941NON-MICR0612 2674978

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