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About Punjab & Sind Bank Personal Loan Jammu
Are you in need of appropriate finance to fund your personal or business expenses? Consider Punjab & Sind Bank Personal loans from Jammu for your varied needs and for your family. The borrowers availing personal loan can accurately estimate their expenditures which are required to repay the loan. The monthly installments should not exceed 40% of the borrower’s net monthly salary. However, the borrowers get their loan amount subject to their respective creditworthiness towards personal loans.
Punjab & Sind Bank Personal Loan Jammu at a glance
|Interest Rate||10.95% - 13.70%|
|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
(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|
1.0% of the loan amount.
|Pre-payment Charges||Minimum prepayment charges|
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.
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 Jammu
Address of Punjab & Sind Bank Branches in Jammu
|Branch Name||Complete Address||IFSC||MICR||Contact Number|
|Nanak Nagar, Jammu||Sec - 1, Near Gurudwara Building, Nanak Nagar, Jammu||PSIB0000731||180023004||2450993|
|Jammu (MAIN) , Shalimar Road||Shalimar Road, Jammu||PSIB0000173||180023001||2543373|
|Srinagar Main||Jehangir Hotel Building, Badshah Chowk, Srinagar, Jammu & Kashmir - 190001||PSIB0000237||NON-MICR||0194 2455180|
|Udhampur||Lal Chowk, Udhampur, Jammu & Kashmir. - 182101||PSIB0000239||NON-MICR||01992 270158|
|Jammu Digiana||Sri Sant Mela Singh Technical Ashram, Digiana Jammu, Jammu & Kashmir-180001||PSIB0000730||NON-MICR||0191 2451405|
|Kathua||College Road, Kathua, Jammu & Kashmir -143514||PSIB0000582||184023001||1922232216|
|Batote||Batote, Distt. Doda, Jammu & Kashmir||PSIB0000231||NON-MICR||1998244247|
|Baramulla||Main Market, Distt. Baramulla, Jammu & Kashmir - 193101||PSIB0000485||193023001||1952234319|
|Jammu Exchange Road||Exchange Road, Distt. Jammu, Jammu & Kashmir - 181101||PSIB0000660||180023003||1912579283|
|Bari Brahmana (Nowhatta)||Bari Brahmana, Distt. Jammu, Jammu & Kashmir - 193101||PSIB0000661||180023007||1923220071|