To retain Existing Home Loan Borrowers by giving them an option to shift their existing accounts to new scheme.
2
Eligibility
All Existing Home Loan accounts sanctioned at least three months before the date of switchover are eligible to convert their accounts.
Account should be standard and regular at the time of approval of switchover.
Outstanding Housing Loan amount should be greater than Rs. 20 Lac.
3
CIC Scoring
CIBIL Score of borrower should be 690 and above
4
Rate of Interest
PSB Apna Ghar
CIBIL Credit Vision Score
Repo
Markup %
CRP%
BSP %
Effective EBLR%
%
(3 Year Reset)
(Yearly Review)
(3 Year Reset)
791 and above
6.50
1.95
0.05
0.05
8.55
768-790
6.50
1.95
0.19
0.06
8.70
753-767
6.50
1.95
0.32
0.08
8.85
732-752
6.50
1.95
0.51
0.09
9.05
690-731
6.50
1.95
0.85
0.10
9.40
PSB Apna Ghar Sahaj & Gaurav:
CIBIL Credit Vision Score
Repo
Markup %
CRP %
BSP %
Effective EBLR
%
(3 Year Reset)
(Yearly Review)
(3 Year Reset)
791 and above
6.5
1.95
0.00
0.05
8.50
768-790
6.5
1.95
0.19
0.01
8.65
753-767
6.5
1.95
0.32
0.03
8.80
732-752
6.5
1.95
0.51
0.04
9.00
690-731
6.5
1.95
0.85
0.05
9.35
No need of closing existing Home Loan account. Existing Home Loan account to continue with revised Rate of Interest which will be changed in CBS by respective Sanctioning Authority.
6
Service Charges
One –time switchover charges of 0.25%+ GST of the loan amount (outstanding +undisbursed loan amount), shall be levied.
Competent Authority
Power of waiver
ZLCC
50% of Charges
HLCC
100% of Charges
7
Documentation
Branches to obtain following documents:
Model request letter by existing customers – Annexure A
Model Process cum Sanction Letter – Annexure B
Note: No other documents are required from the customer for switchover
The link will open only through bank's intranet and it will not open through internet
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A New Internet Banking and Mobile Banking Solution - PSB UnIC for Retail Customers including NRE/NRO and PSB UnIC Biz for Sole Proprietor customers and Corporate Customers has been rolled out successfully by the Bank bringing UPI, IMPS, NEFT, RTGS and many more banking services under one platform.
Please note that our customers have already been notified that the old Internet Banking Portal of the Bank will be pulled down by 28.02.2022. The Funds Transfer services were blocked for Retail Internet Banking Customers since 09.01.2022. However, our old Internet Banking Portal was running parallelly for the last few days for the benefit of old Retail and Corporate Internet Banking Customers. It has now been decided that the Old Internet Banking will be pulled down on midnight of 21.03.2022. Bill Payments and Tax Payments ( OLTAS and GST) can be done through PSB UnIC digital platform. Bill Payment services are moved to PSB UnIC from 16.03.2022 onwards and the OLTAS functionality will be live from 18.03.2022 through PSB UnIC.
Our existing old Internet Banking customers ( Retail and Sole Propriership) who are yet to register in PSB UnIC are requested to make a onetime registration by visiting our website: https://punjabandsindbank.co.in and by clicking on PSB UnIC and choosing appropriate Option as follows:
And submit the duly signed application form along with required documents Viz. Board Resolution / Partnership Letter with Deed / Trust, Society, Club Resolution Letter/ HUF Letter etc. and also the KYC documents of the Authorised Users immediately to the parent Branch.
These corporate customers will be sent a registration kit through email after submission of the above documents. By Using the credentials in the mail, the corporate customers are requested to register by following the instructions contained in the email and start availing the benefit of PSB UnIC Biz services.
A New Internet Banking and Mobile Banking Solution - PSB UnIC for Retail Customers including NRE/NRO and PSB UnIC Biz for Sole Proprietor customers and Corporate Customers has been rolled out successfully by the Bank bringing UPI, IMPS, NEFT, RTGS and many more banking services under one platform.
Please note that our customers have already been notified that the old Internet Banking Portal of the Bank will be pulled down by 28.02.2022. The Funds Transfer services were blocked for Retail Internet Banking Customers since 09.01.2022. However, our old Internet Banking Portal was running parallelly for the last few days for the benefit of old Retail and Corporate Internet Banking Customers. It has now been decided that the Old Internet Banking will be pulled down on midnight of 21.03.2022. Bill Payments and Tax Payments ( OLTAS and GST) can be done through PSB UnIC digital platform. Bill Payment services are moved to PSB UnIC from 16.03.2022 onwards and the OLTAS functionality will be live from 18.03.2022 through PSB UnIC.
Our existing old Internet Banking customers ( Retail and Sole Propriership) who are yet to register in PSB UnIC are requested to make a onetime registration by visiting our website: https://punjabandsindbank.co.in and by clicking on PSB UnIC and choosing appropriate Option as follows:
And submit the duly signed application form along with required documents Viz. Board Resolution / Partnership Letter with Deed / Trust, Society, Club Resolution Letter/ HUF Letter etc. and also the KYC documents of the Authorised Users immediately to the parent Branch.
These corporate customers will be sent a registration kit through email after submission of the above documents. By Using the credentials in the mail, the corporate customers are requested to register by following the instructions contained in the email and start availing the benefit of PSB UnIC Biz services.
