Punjab and Sind Bank Personal Loan

Punjab and Sind Bank Personal Loan Key Features – Jan 2021

Eligibility Criteria	Details
Age	21 to 58 yrs(at loan maturity)
CIBIL Score	750
Punjab and Sind Bank Personal Loan Interest Rate	9.99% p.a.
Lowest EMI per lakh	N/A
Tenure	12 to 60 Months
Punjab and Sind Bank Personal Loan Processing Fee	1%
Prepayment Charges	Decided by bank
Part Payment Charges	Decided by bank
Minimum Loan Amount	Rs. 50,000
Maximum Loan Amount	Up to Rs. 3 Lakh

Each Feature Explained in Detail Below

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Punjab and Sind Bank Personal Loan Eligibility Criteria

Eligibility criteria for a personal loan:

CIBIL score Criteria	750 or above
Age Criteria	21 to 58 yrs
Min Income Criteria	Rs. 15,000 to Rs 25,000
Occupation Criteria	Salaried/Self-Employed/Pensioner

Punjab and Sind Bank Personal Loan Interest Rate and Charges

Punjab and Sind Bank Personal Loan Interest Rate	9.99% p.a.
Punjab and Sind Bank Personal Loan Processing Charges	1%
Prepayment Charges	N/A
Stamp Duty	As per State
Cheque Bounce Charges	As per Bank
Penal Interest	As per Bank
Floating Rate of Interest	NIL

Punjab and Sind Bank Personal Loan Documents Required

Form	Duly filled  and signed the application form
Proof of Identity	Copy of: > Passport > Driving License > Aadhaar Card > Voter ID Card
Proof of Address	Rent Agreement (Min. 1 year of stay) Utility Bills Proof of permanent residence Ration card, Bank Account Statement, Latest Credit Card Statement
Proof of Income	ITR: Last two financial  years( For self-employed)> Salary Slip: Last 6 months (Salaried Employee) > Bank Statement: Last 3 months

Punjab and Sind Bank Personal Loan EMI Calculator

EMI Calculator.

Punjab and Sind Bank Personal Loan Compared to Other Banks

Bank	Interest Rate	Tenure	Loan Amount & Proc Fee
Punjab and Sind Bank	9.99%	12 to 60 months	Up to Rs. 3 lakh/ 1%-2% of the loan amount
HDFC Bank	11.25% to 21.50%	12 to 60 months	Up to Rs. 40 lakh / Up to 2.50% of the loan amount
Bajaj Finserv	Starting from 12.99%	12 to 60 months	Up to Rs. 25 lakh / Up to 3.99% of the loan amount
Axis Bank	15.75% to 24%	12 to 60 months	Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount
Citibank	Starting from 10.99%	12 to 60 months	Up to Rs. 30 lakh / Up to 3% of the loan amount
ICICI Bank	11.50% to 19.25%	12 to 60 months	Up to Rs. 20 lakh / Up to 2.25% of the loan amount

Other Loan Products from Punjab and Sind Bank

Punjab and Sind Bank Gold Loan	Punjab and Sind Bank Car Loan	Punjab and Sind Bank Home Loan	Punjab and Sind Bank Business Loan
Punjab and Sind Bank TWL	Punjab and Sind Bank LAP	Punjab and Sind Bank Credit Card	Punjab and Sind Bank Education Loan

Why should you apply for Punjab and Sind Bank Personal Loan with Dialabank?

• Dialabank is the leading helpline in the country.
• Less Documentation is required for processing
• Fast Approval is our priority.

You can call at 9878981166 for any query.

How to Calculate EMIs for Punjab and Sind Bank  Personal Loan?

There is a  requirement of the following information to calculate Punjab and Sind Bank Personal Loan:

EMI:

• Loan of the Amount
• also, the Interest Rate of the loan
• and Tenure of the loan

Substitute the values in the calculator below and find your monthly EMIs

EMI Calculator

Punjab and Sind Bank  Personal Loan Processing Time

• Fast processing
• It needs less paperwork
• A processing fee may vary and can be asked by the bank

Punjab and Sind Bank Personal Loan Preclosure Charges

Is your fund ready?

Then you can apply for Preclosure. For more details, make a call or visit the branch.

Different Offers For Punjab and Sind Bank Personal Loan

Punjab and Sind Bank Home Loan

Punjab and Sind Bank offers personal loan for a home:

• The minimum age is 21 yrs
• The maximum Age should be 60 yrs
• Regular Income applicants are a must for the Home Loan
• Earn more than the required monthly income.

Punjab and Sind Bank Personal Loan for Government Employees

Punjab and Sind Bank offers personal loan to all the Govt. employees. The loan amount depends on the Company in which you are working.

Punjab and Sind Bank Education Loan

• Studies in India: Maximum up to Rs. 10 lakhs.
• Studies Abroad: Maximum up to Rs. 20 lakhs.

Punjab and Sind Bank Personal Loan for Pensioners

• A processing charge can be asked from the bank.
• Very Affordable Interest Rate

Punjab and Sind Bank Personal Loan Balance Transfer

• Personal Loan balance transfer means the borrower transfer the sum to other institutions.
• Low-interest rates.
• Long repayment tenure.

Punjab and Sind Bank Personal Loan Top Up

Punjab and Sind Bank personal loan provides top-up that means an additional amount on the existing loan.

Punjab and Sind Bank Personal Loan Status

• Visit the site of this bank.
• Check the eligibility.
• Fill the form with your information.
• Our managers will contact you.

How to Apply for Punjab and Sind Bank Personal Loan?

There is less requirement for paperwork. It helps in saving your time, and you get your loan approval faster.

Availing a personal loan is very simple; all you have to do is to:

1. Visit the website of Dialabank and fill the application form.
2. You will get a call from us.
3. Our instructors will guide you through the entire process and tell you the details of the loan.

FAQs About Punjab and Sind Bank Personal Loan

✅ How to apply for Punjab and Sind Bank Personal Loan?

You can apply for a personal loan with Punjab and Sind Bank by visiting the nearest Punjab and Sind Bank branch or through a simple form submission with Dialabank. With Dialabank, you get the satisfaction to apply from anywhere and get quick online approval.

✅ What is the Interest Rate for Punjab and Sind Bank Personal Loan?

Punjab and Sind Bank charge an interest rate of 9.99% p.a. for their personal loan products.

✅ What is the minimum age for getting a Personal Loan from Punjab and Sind Bank?

It would be best if you were at least 21 years old to apply for a personal loan with Punjab and Sind Bank.

✅ What is the maximum age for getting a Personal Loan from Punjab and Sind Bank?

The maximum age for availing a personal loan from Punjab and Sind Bank is 58 years.

✅ What is the minimum loan amount for Punjab and Sind Bank Personal Loan?

The minimum loan amount for getting a personal loan from Punjab and Sind Bank is Rs 50000.

✅ What is the maximum loan amount for Punjab and Sind Bank Personal Loan?

Punjab and Sind Bank allows you to take a maximum loan amount of Rs. 3 lakhs under the personal loan scheme.

✅ What are the documents required for Punjab and Sind Bank Personal Loan?

 Aadhaar card/Voter ID, PAN card, salary slips of last 6 months, the ITR of the last two years, and two recently clicked photographs are required for a personal loan from Punjab Sind Bank.

✅ What is the Processing Fee for Punjab and Sind Bank Personal Loan?

Punjab and Sind Bank charges a processing fee of up to 1% of the loan amount plus GST for the personal loan.

✅ How to get Punjab and Sind Bank Personal Loan for Self Employed?

Punjab and Sind Bank has special offers for self-employed borrowers to meet their financial needs. You will have to present the ITR files of the last two years as your income proof.

✅ What is the Maximum Loan Tenure for Punjab and Sind Bank Personal Loan?

The maximum tenure period for a personal loan from Punjab and Sind Bank is 60 months.

✅ What should be the CIBIL Score for Punjab and Sind Bank Personal Loan?

It would help if you had a CIBIL score of at least 750 or above for availing a personal loan from Punjab and Sind Bank.

✅ Do I have a preapproved offer for Punjab and Sind Bank Personal Loan?

You can examine for your preapproved personal loan offers from Punjab and Sind Bank with Dialabank. All you have to do is fill the form, and we will check all the offers for you and get back to you to help you choose the best one.

✅ How to calculate EMI for Punjab and Sind Bank Personal Loan?

You can use the EMI calculator available at Dialabank’s website to calculate your personal loan EMIs from Punjab and Sind Bank.

✅ How to pay Punjab and Sind Bank Personal Loan EMI?

Your personal loan EMIs from Punjab and Sind Bank are automatically deducted from your bank account every month. You can also use the net-banking facility of Punjab and Sind Bank to pay your personal loan.

✅ How to close Punjab and Sind Bank Personal Loan?

You will have first to pay all the outstanding personal loan amount and then contact the Punjab and Sind Bank branch to collect your no dues certificate.

✅ How to check Punjab and Sind Bank Personal Loan Status?

You will need to visit the Punjab and Sind Bank branch to know your personal loan status. On the other hand, you can visit Dialabank and fill a simple form to let us do the hard work for you.

✅ How to close Punjab and Sind Bank Personal Loan Online?

Closing of personal loan from Punjab and Sind Bank requires the following steps:

• Visit the net-banking page of Punjab and Sind Bank.
• Login using your details.
• Pay for your personal loan and save the transaction receipt.

✅ How to pay Punjab and Sind Bank Personal Loan EMI Online?

Your personal loan EMI can be paid through the net-banking services of Punjab and Sind Bank. Dialabank lets you compare offers and deals from different banks to choose the best, to avail a low-EMI personal loan. All you have to do is fill a simple form, and we will do the rest for you.

✅ How to check Personal Loan Balance in Punjab and Sind Bank?

To check the personal loan balance in PNB, you will contact Punjab and Sind Bank’s customer care number. If you are searching for low-interest personal loans, you can visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the hard work for you.

✅ How to download Punjab and Sind Bank Personal Loan Statement?

Punjab and Sind Bank’s personal loan statement can be downloaded using the Punjab and Sind Bank mobile banking app. You can visit Dialabank online and fill a simple form to compare and know about all the offers that we have for you.

✅ How to Top Up Personal Loan in Punjab and Sind Bank?

If you require a top-up on your personal loan from Punjab and Sind Bank, you will visit the bank branch and contact the loan officer. You can also fill a simple form with Dialabank at Personal Loan Top Up and leave the rest to us

✅ What happens if I don’t pay my Punjab and Sind Bank Personal Loan EMIs?

Punjab and Sind Bank charges you with a penal interest if you fail to pay your personal loan EMIs. You can apply for a balance transfer using Dialabank to get low-interest personal loans that will not put a hole in your pocket.

✅ How to find the Punjab and Sind Bank Personal Loan account number?

You will need to contact your Punjab and Sind Bank loan branch to find your personal loan account number. You may also fill out the form available at Dialabank and let us do all the work for you.

✅ What is the Punjab and Sind Bank personal loan closure procedure?

Visit the bank with the complete set of documents (as mentioned above). You may be required to fill a form or write a letter requesting the Personal Loan account pre-closure. Pay the pre-closure amount. Sign the required documents, if any. Take acknowledgement of the balance amount you have paid.

✅ What is Punjab and Sind Bank personal loan maximum tenure? 

The maximum tenure of the Punjab and Sind Bank personal loan is 60 months.

✅ What is Punjab and Sind Bank personal loan minimum tenure? 

The minimum tenure of the Punjab and Sind Bank personal loan is 12 months.

✅ What is the Punjab and Sind Bank personal loan customer care number?

The customer care number of Punjab and Sind Bank personal loan is 9878981166.

✅ What are the Punjab and Sind Bank Personal Loan pre-closure charges?

Punjab and Sind Bank gives you the option of pre-closing your loan after a minimum of 12 months of taking the loan and paying 12 successful EMIs on your mortgage. However, Punjab and Sind Bank charges a Prepayment or Pre-closure charge. Refer to the table mentioned above.