Punjab And Sind Bank personal Loan | Interest Rates 2022 | Documents | EMI

Punjab and Sind Bank Personal Loans: Get Details on Interest Rates, Documents, Eligibility, EMI and Other Processing Charges of P&S Bank India.

Interest Rates 13.50 – 14.00%
Processing Fees 1.00% of loan amount
Loan Amount Upto 3 Lakh
Repayment Period 5 Years
Interest Rate for Pensioner 12.75%

₹ 273,923 crores worth of Personal Loan Applications received! (last updated on 12 August 2022)

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Loan Amount

Employment Status


Punjab And Sind bank personal loan purpose is to meet any genuine personal credit requirement viz For domestic consumption, Medical expenses, Marriage , Travel, Social ceremonies etc.


i) Salaried Class:

A) To Govt./PSU employees.

B) To Confirmed/Permanent/Regular Employees of other institutions.

ii) Pension Class: Pensioners having their pension account with P&S Bank.

Quantum of Finance

For Salaried Class

For Pensioner

Up-to 18 times monthly net salary/1.5 times of Net Annual Income or Rs.3 lacs, whichever is less



a) Pensioners upto the age of 65 years –

Up-to 15 times monthly net pension or Rs.3 lacs, 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 Rs.1 Lac, whichever is less


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