Punjab & Sind Bank Personal Loan Ghaziabad - IFSC, Rates February 2024, Eligibility, EMI

Punjab & Sind Bank Personal Loan in Ghaziabad

About Punjab & Sind Bank Personal Loan Ghaziabad

Personal loan as the name itself speaks is one such loan which is provided by the bank to fulfill the diverse personal needs of individuals. Whether it is regarding funding for a wedding in the family or travelling aborad or celebrating a festival or for covering medical expenses or educational expenses or going out on a vacation, Punjab & Sind Bank Ghaziabad is here to sanction the loan amount directly in your bank account within hours.

Punjab & Sind Bank Personal Loan Ghaziabad 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 Personal Loan:

  • Salaried class employees and pensioners are eligible to apply for personal loan.

  • The minimum age limit of the borrower should be 21 years whereas the maximum age limit for salaried class Government/PSU employees should be 60 years, for salaried class private employees should be 65 years and for pensioners should be 70 years.

  • The guarantee for the personal loan stands from the Third party/ mutual guarantee/ guarantee of spouse/ Major son.

Documents Required

The salaried employees as well as pensioners need to produce the following documents while applying for personal loan.

  • Identity Proof- PAN Card/Voter ID/Driving License/Aadhar Card/Passport

  • Address Proof- Utility bill/Passport/Aadhar card/Voter ID

  • Income Proof– Latest Salary Slip/ ITR/Form-16

  • Bank Statement– Last 3-6 Month Bank Statement

To know more details, visit Personal Loan Ghaziabad

Address of Punjab & Sind Bank Branches in Ghaziabad

Branch NameComplete AddressIFSCMICRContact Number
Ghaziabad G.T. Road 58, G.T Road Ghaziabad - 201009 PSIB00001911100230670120-2731237
SahibabadA - 1, Site No.4, Industrial Area, Sahibabad, Ghaziabad - 201010 PSIB00003641100230620120-2895278
IndirapuramIndirapuram, GhaziabadPSIB0000883NON-MICR2710610
Chander Nagar, Ghaziabad, UpDav Cent Pub. School, Chander Nagar, Dist. Ghaziabad, UpPSIB00009061100231000120 2614646
Loni Border, Ghaziabad, UpLakshmi Gardens, Loni Border, Distt.Ghaziabad, Up PSIB00007041100230840120 2602093
Ghaziabad S.D.CollegeS.D. College, G.T. Road, Ghaziabad - 201009PSIB00007491100230860120-2731350
Sahibabad Pratap Vihar Santosh Medical College, Sahibabad, Ghaziabad, Uttar Pradesh PSIB00008601100230620120-2743975
New Ghaziabad Up195 - B, Lohia Nagar New Ghaziabad - 201009PSIB00005381100230660120 2710610
Pasonda, Distt. Ghaziabad, Uttar PradeshG.T. Road, Pasonda, Distt. Ghaziabad, Uttar Pradesh - 251005 PSIB0000083NON-MICR0120 2627612
Sahibabad Krishi Upaj Mandi SamitiKrishi Utpadan Mandi, Ind.Area, Sahibabad, Uttar Pradesh - 201010 PSIB00007751100231030120 2772581


  • Personal Loan Interest Rates February 2024
    HDFC Bank10.75% - 14.50%
    ICICI Bank10.75% - 19.00%
    IndusInd Bank10.25% - 26.00%
    Kotak Bank10.99%
    RBL14.00% - 23.00%
    SMFG India Credit12.00% - 24.00%
    Standard Chartered Bank11.49%
    Tata Capital10.50% - 24.00%