Punjab & Sind Bank Personal Loan ₹9 Lakh

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Managing sudden financial needs can be challenging, but Punjab & Sind Bank offers a practical solution with its ₹9 lakh personal loan. This public sector bank focuses on customer satisfaction and ensures a seamless application process. Whether for personal expenses, medical emergencies, or education, the bank’s competitive interest rates and flexible repayment terms make Punjab & Sind Bank’s ₹9 lakh personal loan an attractive option.

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CONSENT IN RELATION TO ACCESS TO CREDIT INFORMATION THROUGH Equifax

End-user (customer)hereby consents to Loantap financial technology being appointed as your authorized representative to receive your Credit Information from Equifax on an ongoing basis until the purpose of Credit Risk Assessment. is satisfied or the expiry of 6 months from the date the consent is collected; whichever is earlier.

This End User Agreement (the “Agreement” ) is made between you (the “User” or “You” ) and Urban Money Private Limited hereinafter referred to as “URBAN MONEY ”, a private limited company having its registered office at 1st Floor, Tower A, M3M Urbana Business Park, Sector 67, near M3M Urbana, Gurugram, Haryana 122001. (“Urban Money ”, “Us” or “We”, which term shall include its successors and permitted assigns). The User and URBAN MONEY shall be collectively referred to as the “Parties” and individually as a “Party”.

9 Lakh Punjab Sind Bank Personal Loan EMI Calculator

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  • 50 K
  • 1 Cr
Years
  • 1
  • 5
%
  • 8
  • 25

Monthly Loan EMI

Payment Breakdown:

Principal Amount

₹9,00,000

Interest Payable

Total Amount Payable

Table of Content

1. Eligibility for 9 Lakh Punjab & Sind Bank Personal Loan

2. Documents Required

3. Interest Rates and Fees

4. Repayment Options for Punjab & Sind Bank 9 Lakh Loan

5. What Is the EMI for a 9 Lakh Loan?

6. How to Apply For the Punjab & Sind Bank 9 Lakh Loan?

7. Alternative Options to Consider for 9 Lakh Loan

Read more
Written By
Kirti Bansal
Kirti Bansal
Kirti Bansal is an esteemed financial expert and accomplished writer, specializing in a range of financial topics, including Financial Services, Investments, Loan Assessments, Mutual Funds, and Banking. With a wealth of experience in the financial industry, she has earned a reputation as a trusted voice! Her expertise serves as a beacon for those navigating the intricacies of finance.
Reviewed By
Amit Prakash Singh
Amit Prakash Singh
Co-Founder, Square Yards & Chief Business Officer, Urban Money
Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 26th September 2024

Eligibility for 9 Lakh Punjab & Sind Bank Personal Loan

Applicants need to fulfil specific criteria to be eligible for a ₹9 lakh personal loan from Punjab & Sind Bank:

Age  Minimum 21 to Maximum 65
Status of Employment Salaried employees, Self-employed, Pensioners
Nationality  Indian National

Documents Required 

To apply for a ₹9 lakh personal loan from Punjab & Sind Bank, applicants must submit the following documents:

  • Identity Proof: Government-issued identity proofs
  • Address Proof: Aadhaar card, utility bills, etc.
  • Income Proof: Salary slips and bank account statements

Interest Rates and Fees

The interest rates and fees for a ₹9 lakh personal loan from Punjab & Sind Bank are as follows:

Fee/Charge Amount
Rate of Interest 10.75% – 13.50% p.a.
Processing Fee Up to 1% of the loan amount
Foreclosure Charges Nil
Late Payment Charges Up to 1% per annum.

Repayment Options for Punjab & Sind Bank 9 Lakh Loan

Punjab & Sind Bank offers various repayment methods for the ₹9 lakh personal loan:

  • Monthly EMIs: Monthly instalments covering principal and interest over the loan term.
  • Part-Payment: Partial payments towards the loan before the end of the term to reduce the outstanding principal.
  • Prepayment: Pay off the loan amount ahead of the scheduled end date, potentially reducing the total interest payable.

What Is the EMI for a 9 Lakh Loan?

Here are the estimated EMIs for a ₹9 lakh personal loan from Punjab & Sind Bank, based on different loan tenures:

Loan Amount Interest Rate Loan Tenure EMI Amount Interest Payable Total Amount Payable
9 Lakh 10.75% p.a. 1 year ₹79,438 ₹53,262 ₹9,53,262
9 Lakh 10.75% p.a. 2 years ₹41,842 ₹1,04,224 ₹10,04,224
9 Lakh 10.75% p.a. 3 years ₹29,358 ₹1,56,902 ₹10,56,902
9 Lakh 10.75% p.a. 4 years ₹23,151 ₹2,11,289 ₹11,11,289
9 Lakh 10.75% p.a. 5 years ₹19,456 ₹2,67,369 ₹11,67,369
9 Lakh 10.75% p.a. 6 years ₹17,015 ₹3,25,126 ₹12,25,126
9 Lakh 10.75% p.a. 7 years ₹15,292 ₹3,84,540 ₹12,84,540

How to Apply For the Punjab & Sind Bank 9 Lakh Loan?

To apply for a ₹9 lakh personal loan from Punjab & Sind Bank, follow these steps:

  • Visit the Urban Money website.
  • Navigate to the ‘Loan’ section and select ‘Personal Loan.’
  • Choose ‘Punjab & Sind Bank’ and click ‘Apply Now.’
  • Fill out the online form with your name, mobile number, and city.
  • You will receive a 6-digit OTP on your mobile phone; submit it.
  • An expert from Urban Money will get in touch with you to guide you through the next steps.

Alternative Options to Consider for 9 Lakh Loan

Consider these alternatives instead of a ₹9 lakh personal loan from Punjab & Sind Bank:

  • Gold Loans: You can secure a loan using your gold jewellery or assets, often at a lower interest rate, depending on the gold’s market value.
  • Peer-to-Peer (P2P) Lending: Acquire a loan from individual lenders through online platforms, which may offer competitive interest rates based on your credit profile.
  • Loan Against Property: Use your real estate as collateral to obtain a loan, generally at lower interest rates, making it ideal for larger loan amounts such as ₹9 lakh.
  • Credit Card Loans: Utilise your credit card’s available limit to borrow funds. While convenient, these loans typically have higher interest rates and repayment terms.

FAQs

Can I get a 9 lakh personal loan from Punjab & Sind Bank?

Yes, you can get a ₹9 lakh personal loan through Urban Money’s official website.

What are the interest rates for a small Punjab & Sind Bank personal loan?

Punjab & Sind Bank ₹9 lakh personal loan Interest rates start at 10.75% per annum.

How much will my monthly payments be?

The estimated EMI for a ₹9 lakh personal loan ranges from ₹15,292 to ₹79,438, depending on the loan tenure.

Are there any hidden charges in Punjab & Sind Bank personal loans?

All charges associated with the loan are upfront, with no hidden charges.

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