• A- A A+

PSB Personal Loan

Purpose Any genuine personal credit requirement. (Undertaking to be obtained from the applicant that the funds sanctioned by the Bank under the above Scheme would not be utilized for any speculative purpose).

Salaried Class

  • To Govt./PSU employees.
  • To Confirmed/Permanent/Regular Employees of other institutions.

Pension Class: Pensioners having their pension account with our Bank.


Minimum : 21 years


  • For Salaried Class : 60 years (Govt. /PSU)
  • For Salaried class (private) : 65 years
  • For Pensioners : upto 70 years
Quantum of Finance For Salaried Class For Pensioner
Up-to 18 times monthly net salary/1.5 times of Net Annual Income or Rs.3 lacs, whichever is less

Pensioners upto the age of 65 years -

Up-to 15 times monthly net pension or Rs.3 lacs, whichever is less

For Pensioners above the age of 65 years and upto the age of 70 years -

Up-to 10 times monthly net pension or Rs.1 Lac, whichever is less

Nature of Facility Term Loan
Rate of Interest Please click here For rate of interest
Processing fee Please click here For Processing fee
Repayment Maximum repayment period to be 60 months subject to maximum age criterion, whichever is earlier
Guarantee Third party/ mutual guarantee/ guarantee of spouse/ Major son

“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.”