What Punjab & Sind Bank asks for on personal, home loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
One free check compares your profile with Punjab & Sind Bank and the other 39 lenders we track. It does not touch your credit score.
How Punjab & Sind Bank tends to lend (our read): Digital-first PSU lender with a small unsecured ticket (Rs 10 lakh) and one of the longest home-loan runways in the market; publishes headline rates but not an eligibility grid. Lends in: Metro, Tier 2, Tier 3 / other locations.
Punjab & Sind Bank Personal Loan Eligibility
Market-reported
As reported by loan-comparison sites (not confirmed on Punjab & Sind Bank's own website). See the source card.
Age
21 to 70 years (age when the loan ends)
Minimum income
₹15,000 net per month; self-employed: ₹1,80,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Loan amount
₹50,000 to ₹10,00,000
Tenure
1 year to 5 years
Interest rate
9.7% to 14% p.a.
Documents Punjab & Sind Bank lists
ITR e-filing credentials and Form 26AS
Last 6 months' bank statement (PDF or account aggregator)
KYC
Research notes
PSB's digital personal loan page publishes only the headline rate (from 9.70%), a 60-month maximum tenure and the need for 6 months' bank statements plus ITR e-filing credentials. The 21-70 age window, Rs 10 lakh ceiling and 11.25-14.00% rate bands (government/PSU cheaper than private-sector) are aggregator-reported (BankBazaar). No income floor or score is published - nominal floors used.
As reported by loan-comparison sites (not confirmed on Punjab & Sind Bank's own website). See the source card.
Age
18 to 70 years (age when the loan ends)
Minimum income
₹10,000 net per month; self-employed: ₹1,20,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Business vintage (self-employed)
2 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹1,00,000 to ₹50,00,00,000
Tenure
1 year to 30 years
Interest rate
7.1% to 10.7% p.a.
Documents Punjab & Sind Bank lists
ITR e-filing credentials and Form 26AS
Last 6 months' bank statement
Video KYC
Property documents
Research notes
PSB Apna Ghar: official digital page states rates from 7.10%, repayment up to 30 years, no inspection or prepayment charges. Age (18 entry, 65-70 exit) and the 7.30-10.70% band are aggregator-reported (BankBazaar); no income floor, score or LTV published - RBI bands and nominal floors assumed.
ClearToLend is not affiliated with or endorsed by Punjab & Sind Bank. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with Punjab & Sind Bank before you apply. A match is not a loan offer or approval.
Punjab & Sind Bank Loan FAQs
The minimum net monthly income is ₹15,000, as reported by loan-comparison sites (not confirmed on Punjab & Sind Bank's own website), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 70 when the loan ends, as reported by loan-comparison sites (not confirmed on Punjab & Sind Bank's own website).
Rates run from 9.7% to 14% a year, as reported by loan-comparison sites (not confirmed on Punjab & Sind Bank's own website). Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹10,000, as reported by loan-comparison sites (not confirmed on Punjab & Sind Bank's own website), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 18 and no older than 70 when the loan ends, as reported by loan-comparison sites (not confirmed on Punjab & Sind Bank's own website).
Rates run from 7.1% to 10.7% a year, as reported by loan-comparison sites (not confirmed on Punjab & Sind Bank's own website). Your own rate depends on your credit score, income and employer.
No. ClearToLend compares your details with Punjab & Sind Bank's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with Punjab & Sind Bank and does not send your details to it.
