Punjab & Sind Bank Home Loan: Rates, Eligibility & Fees 2026
Punjab & Sind Bank offers home loans to buy, build or renovate a home. Butter Money compares Punjab & Sind Bank's offer with similar lenders for your profile and handles the paperwork with you until disbursal.
Interest Rate
7.30%
p.a. onwards
Processing Fee
0.10%
of loan amount
Max Tenure
30 Years
Max LTV
Up to 75%
Rates updated 23 Jun 2026 from Butter's lender rate data · Punjab & Sind Bank's official rates
Zero Hidden Charges
Transparent pricing you can trust
Fast Approval
Quick approvals with less paperwork
Loan Assistance
Expert guidance at every step
Exciting Cashbacks
Save more with exclusive offers
What stands out with Punjab & Sind Bank
- Tenure up to 30 years
Punjab & Sind Bank home loan at a glance
| Lender type | Public sector bank |
| Starting rate | 7.30% p.a. onwards |
| Products | Home loan, Balance transfer |
| Funding (LTV) | Up to 75% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
Punjab & Sind Bank Interest Rates, June 2026
By product, CIBIL score & applicant type
Home loan · Balance transfer
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 7.55% onwards | 7.55% onwards |
| 800 and above | 7.30% onwards | 7.30% onwards |
| 700–749 | 7.90% onwards | 7.90% onwards |
| 750–799 | 7.40% onwards | 7.40% onwards |
Starting rates for each CIBIL band. Your final rate also depends on the loan amount, property and profile. Updated 23 Jun 2026.
Fees & Charges
Punjab & Sind Bank vs Similar Lenders
Public sector banks with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Punjab & Sind Bank (this page) | Public sector bank | 7.30% onwards |
| Bank of Baroda | Public sector bank | 7.35% onwards |
| Bank of Maharashtra | Public sector bank | 7.25% onwards |
| Canara Bank | Public sector bank | 7.20% onwards |
Punjab & Sind Bank Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at Punjab & Sind Bank's rates.
Illustrative calculation based on the selected rate. The rate defaults to 7.3% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Punjab & Sind Bank home loan over 20 years at 7.30% costs ₹39,670 a month, or ₹45,20,899 in total interest. Every 0.25% higher adds about ₹762 a month.
Punjab & Sind Bank Home Loan FAQs
What is the Punjab & Sind Bank home loan interest rate?
Punjab & Sind Bank home loan rates start at 7.30% p.a. for the strongest credit profiles and rise for lower CIBIL scores. Your final rate also depends on the loan amount, property and income.
Can I prepay my Punjab & Sind Bank home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Punjab & Sind Bank to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Punjab & Sind Bank fund?
Punjab & Sind Bank funds up to 75% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
Rates updated 23 Jun 2026 from Butter's lender rate data. Final terms are set by Punjab & Sind Bank at sanction. Source: Punjab & Sind Bank.