Information only
Punjab & Sind Bank is a public sector bank. The Reserve Bank of India lists its registered office in New Delhi. The bank was founded in Amritsar in 1908 and was nationalised in 1980. According to the bank's website, as of 8 November 2026, it presents several products as digital journeys, including a digital MSME loan, a digital gold loan and a digital education loan. This page is an information summary, not an offer, and it does not compare the bank with other lenders.
Loans it offers
Loans listed on Punjab & Sind Bank's website
| Loan | What to know |
|---|---|
| Home loans | The bank lists PSB E-Apna Ghar, a home loan, PSB Mortgage and PSB Rent. The property is the security. |
| Personal loans | It lists a Digi Personal Loan and PSB Personal Loan. The Sukhmoney scheme is listed for senior citizens. |
| Loans against property | PSB Mortgage is listed under both retail and MSME loans, which means property is offered as security. |
| Business and MSME loans | The list includes PSB Vyapar Loan, PSB GST EASE Loan, PSB Start Up Scheme, E-Shishu Mudra and E-PM Vishwakarma. Several are linked to central government programmes. |
| Car loans | PSB E-Apna Vahan, a pre-owned car loan and other vehicle loans are listed. The vehicle is hypothecated to the bank. |
| Gold loans | A Digi Gold Loan, with separate pages by loan size, and a regular gold loan are listed. Gold is the security. |
| Education loans | The bank lists an Education Loan and a Digital Education Loan. |
Read how these loans work on LOANZ 360: home loans, personal loans, loans against property, business loans, car loans, gold loans, education loans. The bank's own website is the record of its current products, schemes and terms, so confirm there before you apply.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Public sector bank (regulated by the Reserve Bank of India) |
| Registered office (RBI listing) | New Delhi |
| Ownership | Majority owned by the Government of India |
| Founded | 24 June 1908, in Amritsar |
| Nationalised | 15 April 1980 |
As of 8 November 2026, RBI lists Punjab & Sind Bank as a public sector bank.
Before you apply
- Digital journeys on the bank's site are meant for set loan types and customers. Ask what documents the bank still needs after you apply online.
- For GST-based business loans, keep your recent GST returns and bank statements consistent with each other, because the bank will compare them.
- Read the Key Fact Statement (KFS). The annual percentage rate (APR) shows your total cost better than the headline rate.
- Lender-set charges include processing, foreclosure and penal charges. Ask for the list before you sign.
LOANZ 360 compares your details with each partner lender's published eligibility criteria before any application goes to a lender. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it.
For a view across lenders, open interest rates and the lenders directory. The lender page label, lending partner or information only, comes from live site data. When a bank is shown as information only, apply on its own website.
Last updated 12 Nov 2026