Punjab and Sind Bank Personal Loan

Hassle-Free Online Application

End-to-End Expert Assistance

Highest Approval Chances

Minimum Documentation Required

Hassle-Free Online Application

End-to-End Expert Assistance

Highest Approval Chances

Minimum Documentation Required

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Google Play Store

4.5_/5

15.5L Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Find Best Personal Loan Offers

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HDFC Bank

10 Second Disbursal*100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 12.5%

Tenure upto1-5 Years

Processing Fee₹ 6,500

Axis Bank

Low Processing fee

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

Kotak Mahindra Bank

Lowest Income requirement100% Digital Process*

Max Loan Amt.Upto ₹25L

Rate of Interest9.98% - 17.2%

Tenure upto1-5 Years

Processing Fee1.1% - 1.5%

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About Punjab & Sind Bank Personal Loan

Punjab & Sind Bank Personal Loan Highlights

Punjab & Sind Bank Personal Loan Interest Rates

Types of Punjab & Sind Personal Loan

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

About Punjab & Sind Bank Personal Loan

Punjab & Sind Bank personal loans are offered at competitive interest rates to meet different personal financial needs.
Consumers applying through Paisabazaar can experience a seamless online loan process and end-to-end expert assistance.
Punjab & Sind Bank personal loans have a minimum documentation requirement and are offered without any collateral/security.
These personal loans come with flexible repayment terms and can be repaid in affordable EMIs.
Punjab & Sind Bank personal loans have zero hidden charges and are disbursed quickly.

Punjab & Sind Bank Personal Loan Highlights

Interest Rates	9.85%-12.90% p.a.
Loan Amount	-For Salaried: Up to Rs 20 lakh -For Pensioners: Up to Rs 6 lakh
Tenure	Up to 7 years
Processing Fee	0.50%-1%
Prepayment Charges	NIL

Note: Rates as of 11 Dec 2025

Punjab & Sind Bank Personal Loan Interest Rates

For Employees of Government/State Government/PSU/Pensioners

CIBIL Credit Vision Score	Interest Rates (p.a.)
825 and above	10.35%
768-824	10.85%
753-767	11.15%
732-752	11.25%
700-731	11.60%
650-699	12.30%
649 and below	12.30%

Employees of Private/MNC/Approved Institute, if their Salary Account is maintained with Punjab & Sind Bank

CIBIL Credit Vision Score	Interest Rates (p.a.)
825 and above	11.25%
768-824	11.45%
753-767	11.60%
732-752	11.80%
700-731	12.60%
650-699	12.90%

PSB Veer Samarth

CIBIL Credit Vision Score	Interest Rates (p.a.)
825 and above	9.85%
768-824	10.20%
753-767	10.55%
732-752	10.75%
700-731	11.10%

Pre-approved Personal Loan (PAPL)

11.10%

Types of Punjab & Sind Personal Loan

PSB Personal Loan

Purpose:

PSB Personal Loan is a regular personal loan scheme for meeting the personal financial requirements of government/PSU employees/employees working in MNC/Public Ltd. Companies and confirmed employees of approved educational institutions.

Loan Amount:

For permanent government employees/PSU employees/employees of MNC/ employees of an approved education institute: Up to 24 times monthly net salary or Rs 20 lakh, whichever is less.
For permanent employees of other private institutions: Up to 18 times monthly net salary or Rs 5 lakh, whichever is less.
For pensioners till the age of 65 years: Up to 20 times monthly net pension or Rs 6 lakh, whichever is less.
For pensioners aged between 65 years and 70 years: Up to 10 times monthly net pension or Rs 3 lakh, whichever is less.

Tenure:

Up to 7 years, subject to maximum age criteria, whichever is earlier

PSB Veer Samarth

Purpose:

PSB Veer Samarth Personal Loan is offered to individuals maintaining a Gaurav Bachat Salary account and pensioners maintaining pension accounts with Punjab & Sind Bank for meeting personal requirements like travel expenses, medical or marriage expenses.

Loan Amount:

For salaried applicants: Up to 24 times monthly net salary or Rs 20 lakh, whichever is less.
For loan amount above Rs 10 lakh is offered to those applicants having CIC score 725 or above.
For pensioners till the age of 65 years: Up to 20 times monthly net pension or Rs 6 lakh, whichever is less.
For pensioners aged between 65 years and 70 years: Up to 10 times monthly net pension or Rs 3 lakh, whichever is less.

Avail Personal Loan for
All Your Needs

Fees & Charges of PSB Personal Loan

Processing Fees

Particulars	Processing Fees
Government/Pensioner/PSU/Approved Educational Institute	0.50% + GST
Private Institute/MNC	1.00% + GST
PSB Veer Samarth	0.50% + GST

Other Charges

Particulars	Charges
Documentation Charges	Actual Stamp/Revenue Expenses only (Waived for PSB Veer Samarth scheme)
Inspection Charges	NIL
Prepayment Charges	NIL

Eligibility Criteria for Punjab & Sind Bank Personal Loan

For PSB Personal Loan

Salaried applicants, pensioners, permanent government employees (Central/State government), employees of MNC/Public Limited Companies, PSU employees, permanent employees of an approved educational institute.
Age Criteria:
- Minimum age: 21 years
- Maximum age: For Salaried: date of retirement from services; For pensioners: 70 years

For PSB Veer Samarth

Applicants maintaining their Gaurav Bachat Salary and pension accounts have respective salary and pension credits with Punjab & Sind Bank.
Age Criteria:
- Minimum age: 21 years
- Maximum age: For pensioners: 70 years

Punjab & Sind may also consider the monthly income and credit score of its personal loan applicants just like other lenders do while setting their personal loan eligibility.

Documents Required for Personal Loan Application

Completely filled and signed application form with 2 passport sized photographs
ID Proof
Address and Age Proof
Income Proof:

For Salaried:

ITR Form 16 for past 3 years
Original/certified copy of latest salary slips for last 3 months
Statement of personal asset and liability
In case of other bank, bank account statement for past 6/12 months
Statement of loan account for past 6 months
Bio-data of the applicant with age, educational qualifications, job experience, nature of business/profession with vital proofs
Income proof of parents/spouse/earning children to determine the loan amount/repaying capacity of the loan applicant
ITR of guarantor for last 2 years
Guarantor’s form along with income proof/net worth proof
An undertaking letter by the employer for remittance of EMI

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

Explore Our Personal Loan Lenders

Avail Personal Loan for
All Your Needs

FAQs

Pensioner not having their pension account with Punjab & Sind Bank cannot avail personal loan from the bank.

Punjab & Sind Bank offers personal loans at floating rate of interest only.

The applicants with credit score above 640 can avail personal loan from Punjab & Sind Bank.

The applicants need to provide third party guarantee/mutual guarantee/guarantee of spouse/major son while applying for Punjab & Sind Bank Personal Loan.

Punjab & Sind Bank offers personal loans to salaried individuals and pensioners only.

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What our customers say

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

Anuradha GuptaJan 21, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

Aridaman Singh ParhichaDec 11, 2025

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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Punjab and Sind Bank Personal Loan