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Loans to individuals for productive and consumption purposes against the security of gold jewellery/ornaments and gold coins (issued by Scheduled Commercial Banks/MMTC).


Fully KYC Compliant Customers including staff members and ex-staff and their family members.

Nature of Credit facility

1)  Demand Loan   2) Term Loan    3) Overdraft

Quantum of Finance

Minimum:       Rs 10000.00

Maximum:      Rs 25.00 Lakh

Rate of Interest

Please click here For rate of interest 

Scale of Finance

 75/65% of value of gold ornaments/jewellery arrived at the rate per gram of gold notified by the Bank on daily basis.


  • Maximum repayment period upto 12 months.
  • Term Loan facilities shall be repayable in equated installments (monthly/quarterly /HY/Yearly) or on maturity of loan in lumpsum and Overdraft facilities on demand not later than maturity period.

Processing charges:

  • Loan/Limits  up to Rs. 2.00 lakh : 500/-
  • Loan/Limits above Rs. 2.00 lakh : 0.50% subject to a maximum of Rs.10000/-

Click Here to view Complete Checklist  

Click Here to Apply for Retail Loan  


“Compare and Shop is a Service provided by Cheggout Services Pvt Ltd for Punjab and Sind Bank customer(s). Punjab & Sind Bank is providing this as a value added service. Punjab and Sind Bank does not guarantee or warranty or make any representation about the usefulness, worthiness and/or character of the product/service and/or discount or benefit.”