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Punjab and Sind Bank Home Loan

Punjab & Sind Bank offer home loans @ 7.30% p.a. onwards for loan amounts from Rs 5 lakh onwards and for tenures of up to 30 years. The bank also offers PSB Kisan Home Loan Scheme to home loan applicants residing in rural and semi-urban areas. Read on to know more about Punjab & Sind Bank Home Loan.

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
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Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
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Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000

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Punjab & Sind Bank Home Loan Highlights

Interest Rates 7.30% p.a. onwards
Loan Amount Rs 5 lakh onwards
Tenure Up to 30 years
Processing Fee For PSB Apna Ghar – Sahaj & Gaurav Scheme – Waived offFor PSB Apna Ghar Scheme – Up to 0.25% of the loan amount

Note: Last updated on 12th January 2026

Punjab & Sind Bank Home Loan Interest Rates

PSB Apna Ghar Premium

Credit Score Interest Rates (p.a.)
790 and above 7.40%

PSB Apna Ghar & Kisan Home Loan

Credit Score Interest Rates (p.a.)
825 & above 7.30%
791-824 7.40%
750-790 7.55%
725-749 7.90%
700-724 8.25%
650-699* 9.05%
649 & Below# 10.70%

PSB Apna Ghar Sahaj & Apna Ghar Gaurav (Part A)

Credit Score Interest Rates (p.a.)
825 & above 7.30%
791-824 7.35%
750-790 7.50%
725-749 7.85%
700-724 8.20%
650-699* 9.00%
649 & Below# 10.65%

PSB Apna Gaurav (Part B) –

For Salaried applicants of Serving (including cadets from Pre Commissioned Training Academy) Defense Personnel and Pension account holders (till age 70 years):-

Credit Score Interest Rates (p.a.)
825 & above 7.30%
791-824 7.35%
750-790 7.50%
725-749 7.85%
700-724 8.15%
650-699* 9.00%
649 & Below# 10.65%

PSB Apna Ghar (Digital Mode-STP only)

Credit Score Interest Rates (p.a.)
825 & above 7.30%
791-824 7.35%
750-790 7.50%
725-749 7.85%
700-724 8.20%
650-699* 9.05%
649 & Below# 10.70%

PSB Home Loan Scheme for EWS, LIG, MIG in Urban areas

Credit Score Interest Rates (p.a.)
825 & above 7.80%
791-824 7.85%
750-790 8.10%
725-749 8.55%
700-724 8.85%
650-699* 9.50%
649 & Below# 10.70%

PSB Apna Ghar Top-up

1% over and above the applicable rate of interest for the Housing Loan to be added in the BSP.

Note:

*Loans can be sanctioned to existing borrowers only having a record of regular/ timely repayment for more than one year.

Comparison of Punjab & Sind Bank Home Loan Interest Rates with Other Lenders

Name of Lender Interest Rates
Axis Bank 8.35% p.a.
Bajaj Housing Finance 7.15% p.a.
Bank of India 7.10% p.a.
Canara Bank 7.15% p.a.
Easy Home Finance 8.99% p.a.
Federal Bank 8.75% p.a.
Godrej Housing Finance 7.75% p.a.
HDFC Bank 7.20%* p.a.
HDFC Sales Pvt. Ltd. 7.20%* p.a.
Home First Finance 8.00% p.a.
ICICI Bank 7.65% p.a.
IDBI Bank 7.35% p.a.
IDFC FIRST Bank 8.85% p.a.
India Shelter Home Loan 8.43% p.a.
Jio Housing Finance 8.20% p.a.
L&T Finance Limited 7.65%* p.a.
Piramal Capital Housing Finance 9.99% p.a.
PNB Housing Finance 7.70%* p.a.
Punjab National Bank 7.20% p.a.
RBL Bank 8.20% p.a.
Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% p.a.
Shubham Housing Finance 10.45% p.a.
State Bank of India 7.25% p.a.
Tata Capital Housing Finance 7.75% p.a.

*when applied through Paisabazaar

Rates as of 12th January 2026

Punjab & Sind Bank Home Loan Fees and Charges

PSB Apna Ghar – Sahaj, Gaurav

Particulars Charges
Processing Fee Waived off
Inspection Charges NIL
Prepayment Charges NIL
Documentation Charges (For PSB Apna Ghar Gaurav) Stamp/revenue charges to be borne by the borrower

PSB Apna Ghar

Particulars Charges
Processing Fee
  • Up to Rs 25 lakh: 0.15% of the loan amount (Rs 1,000-Rs 3,750)
  • Rs 25 lakh-Rs 50 lakh: 0.25% of loan amount (Up to Rs 12,500)
  • Rs 50 lakh-Rs 75 lakh: 0.25% of loan amount (up to Rs 15,000)
  • Rs 75 lakh and above: Rs 0.25% of the loan amount
Documentation Charges Actual stamp or revenue expenses only
Prepayment Charges NIL

PSB Apna Ghar Top-up

Processing Fee One time, 0.15% of the loan amount (Rs 1,000-Rs 3,750)
Documentation Charges As per actuals
Prepayment Charges NIL

Home Loan Plus

One–time switchover charges of 0.25%+ GST of the loan amount (both the outstanding loan amount and undisbursed loan amount will be considered)

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Types of Punjab & Sind Bank Home Loan

PSB Apna Ghar-Sahaj

Purpose: For the purchase of a built-up house or flat/construction or the purchase of a plot/construction, extension, repair, and renovation to permanent employees of the State/Central Government, PSUs, and reputed education institutes approved by the bank.

Loan Amount: Rs 5 lakh onwards

Tenure: Up to 30 years, subject to a maximum age

Locker Rent Concession: The bank offers a 50% concession on locker rent for self and spouse for the first three years those who avail loan under this scheme. The concession is available to small lockers only.

PSB Apna Ghar

Purpose: Purchase of dwelling unit/construction or purchase of plot/construction, extension, repair, and renovation to individuals, groups of individuals, and individual members of housing societies.

Loan Amount:

  • For repair/alterations/additions/renovations: Up to Rs 20 lakh.
  • For the purchase of a house/plot/flat or construction of a house: Need-based finance with no maximum limit.

Tenure:

  • For Plot Purchase, Home Renovation/Extension/Repair: Up to 15 years.
  • For the Purchase of a built-up house/construction/purchase of a plot and construction: Up to 30 years, not exceeding the retirement age.

PSB Apna Ghar Top-up

Purpose: Additional loan amount on the existing home loan to meet various personal requirements.

Loan Amount:

  • Term Loan – Up to Rs 2 crore*
  • Overdraft – Up to Rs 50 lakh
  • Composite facility – Up to 2 crore*

*The loan amount is increased to Rs 5 crore if the CIBIL score is 800 or above, subject to a maximum overdraft limit of Rs 50 lakh.

Tenure: Up to the tenure of the existing housing loan or up to 10 years, whichever is earlier.

PSB Apna Ghar Gaurav

Purpose: For Defence Personnel serving in the Indian Army, Indian Air Force, NSG, Paramilitary Forces, Indian Navy, BSF, ITBP and Sashastra Seema Bal, including pensioners. The Credit Protect Insurance is mandatory for Gaurav Bachat Salary and pension account holders maintained with Punjab & Sind Bank.

Loan Amount: Rs 10 lakh onwards

Tenure:

  • For Gaurav Bachat Salary/Pension Account Holder: Maximum 30 years or up to the age of 78 years.
  • For Others: Maximum 30 years or up to the age of 70 years.

Locker Rent Concession: The bank offers a 50% concession on locker rent for the self, spouse, or jointly with a spouse or major children, for the first 3 years. The concession is available to small lockers only.

EMI Waiver: Under this scheme, the bank offers EMI waiver on the last 3 EMIs, subject to the following conditions:

  • Minimum loan amount (disbursed): Rs 20 lakh
  • Minimum loan tenure: 20 years
  • All EMIs should be paid on or before the due date.
  • Restructured accounts are not eligible for an EMI waiver.
  • The lower of the ‘Initial EMI (as per the sanction letter)’ or the ‘effective EMI at the end of the tenure’ will be considered for the waiver.
  • Waiver of EMIs will not be allowed in the case of loan prepayment by the borrower or takeover of the loan by other banks/FIs.

PSB Kisan Home Loan

Purpose: For construction/purchase/repair/renovation/upgradation of the house in rural and semi-urban areas

Loan Amount: Up to Rs 20 lakh subject to the following:-

  • Plot purchase loan should not exceed 20% of the loan sanctioned.
  • Home loan for repair/renovation should not exceed Rs 2 lakh.

Tenure: Up to 20 years (before 70 years of age of the borrower)

PSB Home Loan Plus

Purpose: To retain existing home loan borrowers of the Punjab & Sind Bank by giving them the option to shift their existing accounts to the new scheme.

PSB Home Loans LTV Ratio

PSB Apna Ghar-Sahaj/PSB Apna Ghar

For only Plot Purchase (allocated by Government authorities or builders who are bank borrowers)-

  • For a finance amount up to Rs 1 crore: 75% of the Fair Market Value (FMV) of the plot, as per the bank’s guidelines on the valuation of the property.
  • For a finance amount above Rs 1 crore: 60% of the FMV of the plot, as per the bank’s guidelines on the valuation of the property.

For the construction of plot already owned-

Loan Amount LTV
For loans up to Rs 30 lakh 90% of the value of construction
For loans above Rs 30 lakh and up to Rs 75 lakh 80% of the value of construction
For loans above Rs 75 lakh 75% of the value of construction

For plot purchase and construction-

  • For purchase of plot: 70% of FMV of land/plot, as per the bank’s guidelines on the valuation of the property. Borrowers should note that finance for the acquisition of land/plots will not exceed 60% of the sanctioned limit of the project (plot+ construction).
  • For construction:
Loan Amount LTV
For loans up to Rs 30 lakh 90% of the value of construction
For loans above Rs 30 lakh and up to Rs 75 lakh 80% of the value of construction
For loans above Rs 75 lakh 75% of the value of construction

For purchase of built-up dwelling unit/flat-

Loan Amount LTV
For loans up to Rs 30 lakh 90% of the value of construction
For loans above Rs 30 lakh and up to Rs 75 lakh 80% of the value of construction
For loans above Rs 75 lakh 75% of the value of construction

For purchase of purchase of flat from society or builder-

Loan Amount LTV
For loans up to Rs 30 lakh 90% of the value of construction
For loans above Rs 30 lakh and up to Rs 75 lakh 80% of the value of construction
For loans above Rs 75 lakh 75% of the value of construction

For Extension/Repair/Renovation-

  • 90% of the total estimated cost for loans up to Rs 20 lakh

PSB Kisan Home Loan

  • For Plot Purchase- 60% of the cost
  • For Construction of House- 80% of the cost of construction
  • For Repair/Renovation/Upgradation- 80% of cost of repair
  • For Purchase of House- 75% of the cost

Eligibility Criteria for Punjab & Sind Bank Home Loan

For PSB Apna Ghar- Sahaj

  • The applicants should be permanent employees of State/Central Government/PSUs or reputed education institutes as approved by the bank.
  • Age:
    • For employees without pension: 21-60 years
    • For employees with pension or NPS: 21-70 years

For PSB Apna Ghar

  • The applicants can be individuals, groups of individuals, and individual members of housing societies.
  • Age: Minimum age – 18 years; Maximum age: subject to maximum age for the repayment period.

For PSB Apna Ghar Top up

  • The property financed should be complete and owned
  • Minimum repayment record of the borrower:
    • For Government/PSU employees having salary account with Punjab & Sind Bank- 6 months
    • For Government/PSU employees not having a salary account with Punjab & Sind Bank- 12 months
    • For all other cases- 24 months

For PSB Apna Ghar Gaurav

  • Age criteria for Defence Personnel and Pensioners not having salary and pension accounts with Punjab & Sind Bank: 21 years to 60 years
  • Age criteria for Defence Personnel including Pensioners having their Gaurav Bachat Salary Accounts and Pension Accounts with Punjab & Sind Bank: 21 years to 70 years\
  • Net Take Home Salary (after deductions including EMI of the home loan):
Income (Annual) Take Home Percentage
Income up to Rs 5 lakh 40%
Income above Rs 5 lakh to Rs 10 lakh 30%
Income above Rs 10 lakh 20%

For applicants with an annual income of up to Rs 5 lakh, a minimum take-home income of Rs 2 lakh shall be considered. The remaining income can be utilized to assess the borrower’s repayment capacity.

PSB Kisan Home Loan

  • Age: 21-60 years
  • Net Income: Not less than 40% of gross income after deducting the EMI and other liabilities (the income of the son, spouse, the daughter-in-law is also considered)

For Home Loan Plus

  • All existing home loan accounts sanctioned at least 3 months prior to the switchover date are eligible to convert their accounts under this scheme.
  • The account should be standard and regular at the time of switchover approval.
  • The outstanding housing loan amount should be above Rs 20 lakh.
  • The CIBIL score of the borrower should be 690 and above.

Documents Required for Punjab & Sind Bank Home Loan

  • Completely filled application form with 2 passport sized photographs
  • Address and ID proof
  • Age Proof
  • Income Proof:
    • For salaried:
      • Latest salary slip for last 3 months
      • ITR/Form No.16 for past 3 years
    • Business and Other Individuals:
      • Business and address proof
      • ITR and certified/audited balance sheets for past 3 years of business/activity
  • Statement of personal asset and liability
  • In case of other bank, bank account statement for past 6/12 months
  • Loan account statement for past 6 months (if taken from some other bank/FII)
  • Bio-data with educational qualifications, job experience, age, type of profession/business, etc.
  • Income proof of spouse, earning children, or parents to determine the loan amount and repaying capacity
  • ITR of guarantor for last 2 years
  • Guarantor’s form along with net worth proof or income proof
  • An undertaking from the employer for remittance of EMI
  • Proof of advance/margin payment done for purchase of dwelling unit
  • Permission from competent authority for house/flat construction
  • Approved map/plan copy of proposed construction/purchase
  • Sale agreement, sale deed, detailed estimate of the property to be constructed
  • Allotment letter from co-operative society, development authorities, association of apartment owners
  • Other documents depending on;
    • Property purchased directly from the borrower
    • Purchase of resale property
    • House construction on a separate plot
    • Direct sale by Development Authority
    • Property that belongs to a Co-operative Housing Society (Registered)

Note: Some lenders such as LIC Housing Finance, PNB Housing Finance, HDFC, Piramal Housing Finance and IDFC First Bank cater to the housing finance needs of those who get their salaries in cash or lack sufficient proof of income.

How Can I Apply for a Home Loan Online?

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Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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FAQs

Punjab & Sind Bank has not specified the cut-off credit score for home loan applicants. However, the bank offers lower interest rates to applicants with higher credit scores. For example, home loan applicants having credit scores of 768-900 are offered the lowest interest rates followed by those having credit scores of 753-767, 732-752, etc.

Punjab & Sind Bank has not stated any concessions on home loan interest rates to women applicants.

Punjab & Sind Bank offers home loans at floating rates only.

Yes, you can prepay your home loan availed from Punjab & Sind Bank. The bank does not charge any prepayment fees for home loans at floating rates.

Yes, the income of the spouse, son and daughter-in-law can also be considered while applying for home loan.

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