- 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 and Sind Bank Personal Loan
4.5/5
15.6L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Hassle-Free Online Application
End-to-End Expert Assistance
Highest Approval Chances
Minimum Documentation Required

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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
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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About Punjab & Sind Bank Personal Loan
Punjab & Sind Bank Personal Loan Highlights
| Interest Rates | 9.60%-13.85% 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 |
Rates as of 15th April 2026
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 | 9.70% |
| 768-824 | 10.75% |
| 753-767 | 11.00% |
| 732-752 | 11.25% |
| 700-731 | 11.50% |
| 650-699 | 12.75% |
| 649 and below | 13.75% |
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 | 9.80% |
| 768-824 | 11.00% |
| 753-767 | 11.10% |
| 732-752 | 11.55% |
| 700-731 | 12.35% |
| 650-699 | 12.85% |
| 649 and below | 13.85% |
PSB Veer Samarth
| CIBIL Credit Vision Score | Interest Rates (p.a.) |
|---|---|
| 825 and above | 9.60% |
| 768-824 | 9.95% |
| 753-767 | 9.95% |
| 732-752 | 10.50% |
| 700-731 | 10.85% |
| 650-699 | 12.75% |
| 649 and below | 13.75% |
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:
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:
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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
For PSB Veer Samarth
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
For Salaried:
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FAQs
I do not have a pension account with Punjab & Sind Bank? Can I avail personal loan from the bank?
Pensioner not having their pension account with Punjab & Sind Bank cannot avail personal loan from the bank.
Can I opt for floating or fixed rates of interest while applying for Punjab & Sind Personal Loan?
Punjab & Sind Bank offers personal loans at floating rate of interest only.
At what credit score can you avail Punjab & Sind Personal Loan?
The applicants with credit score above 640 can avail personal loan from Punjab & Sind Bank.
Do you need any security or guarantors while applying for Punjab & Sind Bank Personal Loan?
The applicants need to provide third party guarantee/mutual guarantee/guarantee of spouse/major son while applying for Punjab & Sind Bank Personal Loan.
Can self-employed individuals avail personal loan from Punjab & Sind Bank?
Punjab & Sind Bank offers personal loans to salaried individuals and pensioners only.
Can I prepay the personal loan availed from Punjab & Sind Bank?
Yes, you can prepay the personal loan availed from Punjab & Sind Bank without paying any prepayment charges.
Does Punjab and Sind Bank offer preferential interest rates to Government/PSU employees?
The interest rates of personal loans offered to government employees by Punjab & Sind Bank is about 100 bps (i.e. 1%) lower than those offered to employees working with private sector/MNCs.
Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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