Punjab & Sind Bank PSB Apna Ghar Housing Loan
Primary Lending Institution:Punjab & Sind Bank
Up to ₹5 Crore home loan at 8.50% – 9.35% with Up to 30 years tenure.
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible without formal local body approvals.
What is Punjab & Sind Bank PSB Apna Ghar Housing Loan?
PSB's trusted retail mortgage scheme offering simple documentation and competitive repo-linked rates across North and Pan-India.
Key Benefits & Features
Low processing fee; no hidden admin charges; special concessions for women; zero penalty on early prepayment.
Property & Project Eligibility Requirements
Approved property plan with 13-year chain of title deeds.
Borrower Eligibility Criteria
Salaried individuals, professionals, and agriculturists with verifiable annual income.
How to Apply (3 Verified Paths)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://punjabandsindbank.co.in/content/apnaghar with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
Documents Required Checklist
Aadhaar Card, PAN Card, Last 3 months salary slips or 2 years ITR-V, 6 months bank account statement, Title deed, Approved building plan and municipal tax receipts.
Frequently Asked Questions
What is the maximum loan tenure available for Punjab & Sind Bank PSB Apna Ghar Housing Loan?
The maximum repayment tenure offered for Punjab & Sind Bank PSB Apna Ghar Housing Loan is Up to 30 years, subject to borrower's age not exceeding 70 years at loan maturity.
What are the processing charges and prepayment rules for Punjab & Sind Bank PSB Apna Ghar Housing Loan?
The processing fee is 0.25% (Min ₹1,000, Max ₹10,000) + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for Punjab & Sind Bank PSB Apna Ghar Housing Loan?
Applicants must provide KYC (Aadhaar, PAN), 3 months salary slips or 2 years ITR with computation, 6 months bank statements, and clear property title documents with municipal sanctions.
Why does Punjab & Sind Bank PSB Apna Ghar Housing Loan require property approval in a formal layout?
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible without formal local body approvals.