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PSB Apna Vahan - सुगम


For purchase of  Two Wheeler & Four Wheeler


  1. Permanent employees of Central/ State Governments / Public Sector Undertakings (PSU).
  2. Permanent employees of reputed Education Institutes as approved by the Bank.

Age limit

  1. Minimum : 18 years
  2. Maximum: Subject to adjustment of loan before the age of
  1. i. Employee without pension  – 60 years
  2. ii. Employee with pension or NPS* – 70 years

Quantum of Finance

  1. Minimum: Rs. 50000.00
  2. Maximum: Need based finance


  1. a. 10 % of on-road price inclusive of one time road tax, registration & insurance.


  1. b. For existing borrowers who have availed Mortgaged backed loan(s) from the Bank and the same is running regular including fresh sanction, NIL Margin, of on-road price inclusive of one time road tax, registration & insurance.

Rate of Interest


Please click here For Rate of Interest


For new four wheeler vehicles: Max. 84 months.


For new two wheeler vehicles:  Max. 60 months.



Hypothecation of vehicle financed.

Prepayment charges


Processing Charges

Please click here For Processing fee

Concession in applicable processing charges as under:

  1. i. Where salary account is maintained with our Bank – 50% concession
  2. ii. For others: 25% concession

Inspection Charges


Full waiver of Inspection Charges.

Documentation Charges

Actual Stamp/ Revenue / Legal opinion/ valuation report / Index inspection/ Mutation expenses etc.

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.”