PSB Personal Loan

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PSB Personal Loan

Get PSB Personal Loan at competitive rates with flexible tenure up to 84 months and minimal processing fees. Ideal for salaried individuals.

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Details for PSB Personal Loan

PSB Personal Loan offers financial flexibility with attractive interest rates and easy repayment options up to 84 months. Designed for government employees, PSU staff, pensioners, and approved private institute workers, the loan features low processing fees and the convenience of spouse, children, or third-party guarantee. It’s a reliable solution for personal needs like education, healthcare, or emergency expenses, with a simple application process and fast disbursal. Enjoy secure and accessible funding tailored to your profession.

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Loan Amount

Permanent Govt. Employees/PSU Employees/ Employees of MNC / Employees of approved Education Institute: up to 24 times monthly net salary or, Rs. 20.00 lakh, whichever is less. Permanent Employees of other private institutions: up to 18 times monthly net salary Or, Rs.5.00 lakh, whichever is less. Pensioners up to the age of 65 years: up to 20 times monthly net pension Or, Rs. 6.00 lakh, whichever is less. Pensioners above the age of 65 years and up to age of 70 years: up to 10 times monthly net pension Or, Rs. 3.00 lakh, whichever is less.

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Interest Rate

10.35% p.a.

Age

  • Mini Age 21 to Maxi 70 Years

CIBIL Score

  • A CIBIL score of 730 or above is generally considered good for approving a personal loan.

Required Documents

  • Application form duly complete and signed
  • Two passport size photographs
  • Age proof
  • Address & Identity proof
  • Income Proof
  • Personal Asset & Liability statement
  • Bank Account Statement for the last 6/12 months. (in case of Other Bank)
  • Loan account statement for last six months (if availed from any other Bank/FII)
  • Bio-data covering educational qualifications, age, job experience, nature of profession/ business etc., with necessary proof.
  • Proof of income of spouse/parents/earning children, whichever is applicable, where the same is to be considered for determining loan amount/repaying capacity, if applicable
  • Guarantor forms along with net worth proof / income proof. (if applicable)
  • Guarantor’s IT returns of last 2 years.

Nature of Employment

  • Salary/ Pension account must be with our Bank or any other Bank Permanent government employee (Central/State government), PSU employee, Employees of MNC/ Public Limited Companies , Permanent Employees of approved Education Institute.

Loan Processing Charges

  • 0.50%

Features

  • Government/PSU/Pensioner/ Approved Educational Institute : 0.50% + GST Private Institute/ MNC : 1.00 % + GST
  • Maximum repayment period would be 84 months subject to the maximum age criterion, whichever is earlier.
  • Guarantee of either Spouse or Major Children or Third Party.

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PSB Personal Loan EMI Calculator

Principal amount

₹1,00,000

Interest amount

₹542

Total amount payable

₹1,00,542

Your Monthly EMI is ₹8,379
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