Punjab & Sind Bank Home Loan Interest Rate — 16th September 2026

Q: What home loan interest rate does Punjab & Sind Bank charge?

Punjab & Sind Bank publishes home loan rates from 7.35% to 10.75% , read from its own rate page on 16 September 2026. Punjab & Sind Bank states the rate took effect on 16 July 2026. The rate you’re offered depends on Punjab & Sind Bank’s assessment of your application.

Q: How long can a Punjab & Sind Bank home loan run?

Punjab & Sind Bank publishes a maximum term of 30 years , with an age condition of minimum 18. On ₹50 lakh at 7.35%, stretching to the full term costs ₹34,449 a month, against ₹45,925 over 15 years.

Q: How much is the monthly EMI on ₹50 lakh at Punjab & Sind Bank?

At 7.35%, ₹50 lakh costs ₹39,822 a month over 20 years, or ₹45,925 over 15 years. At the top of Punjab & Sind Bank’s range, 10.75%, the 20-year EMI is ₹50,761.

Public sector bank

Here’s the home loan interest rate Punjab & Sind Bank charges, taken from its own website on 16 September 2026: from 7.35% to 10.75%. We’ve set out the card as published, what decides where you land within it, and the EMI at each end.

Starting rate

7.35%

Top of published range

10.75%

Benchmark

PRLR 7.35%

Effective from

16 July 2026

Read from Punjab & Sind Bank’s own website on 16 September 2026. Source and method

Punjab & Sind Bank home loan interest rate card

By CIBIL score

Scheme	CIBIL score	Rate
Apna Ghar & Kisan Home Loan	825 and above	7.35%
Apna Ghar & Kisan Home Loan	791 – 824	7.45%
Apna Ghar & Kisan Home Loan	750 – 790	7.60%
Apna Ghar & Kisan Home Loan	725 – 749	7.95%
Apna Ghar & Kisan Home Loan	700 – 724	8.30%
Apna Ghar & Kisan Home Loan	650 – 699	9.10%
Apna Ghar & Kisan Home Loan	649 and below	10.75%
Apna Ghar Sahaj & Gaurav (Part A)	825 and above	7.35%
Apna Ghar Sahaj & Gaurav (Part A)	791 – 824	7.40%
Apna Ghar Sahaj & Gaurav (Part A)	750 – 790	7.55%
Apna Ghar Premium	825 and above	7.45%

Card effective 16 July 2026. The bank notes a minimum of 7.15% on Apna Ghar Premium after concession.

What Punjab & Sind Bank’s interest rate card tells you

Punjab & Sind Bank prices its main schemes, Apna Ghar and Kisan Home Loan, across seven credit-score bands, effective 16 July 2026. The top band, 7.35%, is exactly its benchmark rate, and the ladder is gentle down to 750. Then it steepens fast: 650–699 pays 9.10%, and at 649 or below the rate is 10.75% — 3.40% above the top. That is the largest penalty for a weak score among the public sector banks we track. The Sahaj and Gaurav variants run 0.05% cheaper in the middle bands.

On its starting rate, Punjab & Sind Bank ranks joint 14th of the 48 lenders we track, and 11th of 11 public sector banks. Measured against the RBI repo rate of 5.25%, Punjab & Sind Bank’s floor carries a spread of 2.10 points. Between the bottom and top of Punjab & Sind Bank’s published range, the EMI on ₹50 lakh over 20 years moves by ₹10,939 a month — which is why the band you land in matters more than the headline.

EMI at Punjab & Sind Bank’s home loan interest rate

Monthly EMI at Punjab & Sind Bank’s starting rate of 7.35%. These are the best case — if you’re quoted above the floor, your EMI will be higher.

Loan amount	10 years	15 years	20 years	25 years	20 yrs at 10.75%
₹25 lakh	₹29,480	₹22,963	₹19,911	₹18,232	₹25,381
₹40 lakh	₹47,168	₹36,740	₹31,858	₹29,170	₹40,609
₹60 lakh	₹70,752	₹55,111	₹47,787	₹43,756	₹60,914
₹90 lakh	₹1,06,128	₹82,666	₹71,680	₹65,634	₹91,371

Reducing-balance EMI, before processing fees and insurance. Run your own numbers →

Punjab & Sind Bank against lenders priced nearby

The four lenders whose published starting rates sit closest to Punjab & Sind Bank’s, with the EMI each floor produces on ₹50 lakh over 20 years.

Lender	Published rate	EMI, ₹50 lakh / 20 yrs	vs Punjab & Sind Bank
PNB Public sector bank	7.25% – 9.15%	₹39,519	−₹303/mo
Punjab & Sind Bank Public sector bank	7.35% – 10.75%	₹39,822	—
Federal Bank Private sector bank	7.35% – 9.50%	₹39,822	same
Saraswat Bank Co-operative bank	7.35% – 9.10%	₹39,822	same
IDBI Bank Private sector bank	7.40% – 11.50%	₹39,974	+₹152/mo

All 48 lenders → Filter and compare → Lowest rates →

Getting closer to Punjab & Sind Bank’s 7.35% rate

If your score sits between 650 and 699, lifting it past 700 before you apply moves you from 9.10% to 8.30% at Punjab & Sind Bank.
If a co-applicant has a stronger score, ask how the lender treats a joint application. Some grids are applied on the primary applicant’s score alone, others on the weaker of the two.
Read the sanction letter for the benchmark, the spread and how often the rate resets. Those three lines decide your EMI for the life of the loan far more than the day-one rate does.

Processing fee and other Punjab & Sind Bank charges

Processing fee	By loan size, plus GST: 0.15% up to ₹25 lakh (minimum ₹1,000, maximum ₹3,750); 0.25% from ₹25 to ₹50 lakh (maximum ₹12,500); 0.25% from ₹50 to ₹75 lakh (maximum ₹15,000); 0.25% from ₹75 lakh, with no stated cap. On a ₹50 lakh loan, that comes to ₹12,500, before GST.
Prepayment and foreclosure	No prepayment charges on PSB Apna Ghar.
Documentation	Actual stamp and revenue costs only

Source: Punjab & Sind Bank’s own schedule of charges, read on 16 September 2026: https://punjabandsind.bank.in/content/housing

Punjab & Sind Bank home loan eligibility

Who can apply	Individuals, groups of individuals and members of housing societies.
Age	Minimum 18
Longest term	30 years
Loan amount	Based on need for buying or building; ₹20 lakh for repairs

Source: Punjab & Sind Bank’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://punjabandsind.bank.in/content/housing

Punjab & Sind Bank home loan interest rate — common questions

What home loan interest rate does Punjab & Sind Bank charge?

Punjab & Sind Bank publishes home loan rates from 7.35% to 10.75%, read from its own rate page on 16 September 2026. Punjab & Sind Bank states the rate took effect on 16 July 2026. The rate you’re offered depends on Punjab & Sind Bank’s assessment of your application.

How much does Punjab & Sind Bank charge to process a home loan?

By loan size, plus GST: 0.15% up to ₹25 lakh (minimum ₹1,000, maximum ₹3,750); 0.25% from ₹25 to ₹50 lakh (maximum ₹12,500); 0.25% from ₹50 to ₹75 lakh (maximum ₹15,000); 0.25% from ₹75 lakh, with no stated cap. On a ₹50 lakh loan, that comes to ₹12,500, before GST.

How long can a Punjab & Sind Bank home loan run?

Punjab & Sind Bank publishes a maximum term of 30 years, with an age condition of minimum 18. On ₹50 lakh at 7.35%, stretching to the full term costs ₹34,449 a month, against ₹45,925 over 15 years.

How much does a lower credit score cost at Punjab & Sind Bank?

Yes. Punjab & Sind Bank’s published card runs from 7.35% for its strongest profile to 10.75% for its weakest — 3.40 points at the extremes, or ₹10,939 a month on ₹50 lakh over 20 years. The full grid is in the rate card above.

How much is the monthly EMI on ₹50 lakh at Punjab & Sind Bank?

At 7.35%, ₹50 lakh costs ₹39,822 a month over 20 years, or ₹45,925 over 15 years. At the top of Punjab & Sind Bank’s range, 10.75%, the 20-year EMI is ₹50,761.

Is the Punjab & Sind Bank home loan interest rate floating or fixed?

The home loan interest rate Punjab & Sind Bank publishes is floating. Punjab & Sind Bank quotes its home loan rates against PRLR, currently 7.35% (repo 5.25% + 2.10%). When the benchmark moves, floating rates linked to it move with it; the spread Punjab & Sind Bank adds for your profile generally stays the same.

How does Punjab & Sind Bank compare with Federal Bank?

Federal Bank publishes home loans from 7.35%, against 7.35% at Punjab & Sind Bank — the same starting rate. Starting rates alone won’t separate them. Compare the full rate cards and get a written quote from each before deciding.

Where these figures come from

Source: Punjab & Sind Bank’s own interest rate page, read by BankCreds on 16 September 2026: https://punjabandsind.bank.in/content/prlr

Punjab & Sind Bank states the rate took effect on 16 July 2026.

We began recording Punjab & Sind Bank’s home loan rates on 16 September 2026, and any change will be logged against that date as we detect it. Fees and eligibility come from Punjab & Sind Bank’s own schedule of charges and home loan pages, with the full address printed in those sections — never from third-party sites.

Rates are what Punjab & Sind Bank publishes, not an offer: the rate you’re quoted is set by Punjab & Sind Bank after it assesses your application. How we collect and check rates →