Punjab and Sind Bank Personal Loan Interest Rates

At a floating interest rate ranging from 14.75% to 15.25%, the personal loans are offered by Punjab and Sind Bank. The pensioners at 14% interest and the salaried individuals at 14.75% interest can avail the benefits of personal loan offered by Punjab and Sind Bank. The bank, for providing personal loan asks for a guarantor or a security from the applicant.

Personal Loan interest rates by Punjab and Sind Bank as per 2017:




Rate of interest

13.25%-14% on a yearly basis

12.75% on a yearly basis

Loan Amount

Maximum: Rs.3 lakhs

Minimum: Rs.1 lakh

Maximum: Rs.3 lakhs

Loan term

Maximum: 60 months

Maximum: 60 months

EMI (Lowest)

Rs.2288/- per Rs.1 lakh loan amount (applicable for the maximum tenure of lowest loan amount)

Rs.2263/- per Rs.1 lakh loan amount (applicable for the maximum tenure of lowest loan amount)

Processing charges

1.00% of the loan amount

1.00% of the loan amount


Minimum: 21 years

Maximum: 65 years

Maximum: 70 years

Prepayment fee



Foreclosure fee



Important factors to keep in mind about the interest rates charged on personal loan by Punjab and Sind Bank:
  • You are required to maintain a decent CIBIL score in order to avail the maximum benefits on the interest rates earned. The bank will review your CIBIL score before sanctioning the loan. On the other hand, your monthly income, credit history, loan repayment capacity, RBI rates, inflation, etc will also be considered before providing you with perusal loan.
  • According to the base lending rate of the bank, the floating rate will change.
  • The interest rates are not suddenly raised by the banks when the RBI rates are raised. Immediate raise in the interest rates are not possible, and only after analyzing the market conditions, the rates are increased.

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