90 Lakh Punjab & Sind Bank Home Loan

  • Home Loan By Property
  • Home Loan By Profession
  • Home Loan By Amount

₹90 lakh Home Loan Punjab & Sind Bank is meant for buyers ready to put money down on their ideal house. Due to its flexible repayment periods and attractive interest rates, this loan matches the financial objectives of high-net-worth individuals and facilitates the easy transition to homeownership. Punjab & Sind Bank simplifies the process regardless of the salaried employee or a self-employed entrepreneur. It offers a customised approach so you can confidently and simply buy the home you desire.

Get in Touch for Home Loan Expert Advice
Connect with our Home Loan Advisor Now!
  • Personalized Home Loan solutions
  • Expert guidance
  • Application assistance
  • Credit score discussion
  • Home Loan Interest rate comparison
+91
Choose City

Table of Content

1. 90 lakh Home Loan Punjab & Sind Bank Highlights

2. 90 Lakh Home Loan EMI for 5 years Punjab & Sind Bank

3. 90 Lakh Home Loan EMI for 10 Years Punjab & Sind Bank

4. 90 Lakh Home Loan EMI for 15 Years Punjab & Sind Bank

5. 90 Lakh Home Loan EMI for 20 Years Punjab & Sind Bank

6. 90 Lakh Home Loan EMI for 25 Years Punjab & Sind Bank

7. 90 Lakh Punjab & Sind Bank Home Loan Fees and Charges

  • 7.1 Processing Fee
  • 7.2 Top-Up Loan Processing Fee

    • 8. 90 Lakh Punjab & Sind Bank Home Loan Documents Required

    9. 90 Lakh Punjab & Sind Bank Home Loan Eligibility Criteria

  • 9.1 Eligible Applicants
  • 9.2 Age Criteria
    • Read more
    Written By
    Rishabh Baisoy
    Rishabh Baisoy
    With a background in journalism and mass communications, Rishabh might be clueless about his plans for the evening, but he clearly knows what to write. A proud cinephile, Rishabh makes the perfect choice to discuss any movie with. Poetry holds a special place in his heart, which mingles well with his wanderlust personality. While he physically exists in India, his heart beats for the red part of Merseyside. Rishabh educates and empowers readers towards financial success at Urban Money.
    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.

    ₹90 lakh Home Loan Punjab & Sind Bank – Highlights

    Here are Punjab & Sind Bank home loan interest rates for ₹90 lakh, along with highlights:

    Feature Details
    Loan Amount ₹90,00,000
    Purpose & Tenure Purchase/construction, up to 30 years
    Interest Rate 8.50% to 9.85%, based on CIBIL Credit Vision Score
    Processing Fee 0.15% of loan amount, min ₹1,000, max ₹3,750; No prepayment charges

    ₹90 Lakh Home Loan EMI for 5 years Punjab & Sind Bank 

    Punjab & Sind Bank housing loan EMI for ₹90 lakh is mentioned below in detail:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
    ₹90 lakh 9% p.a. 5 years ₹1,86,825 ₹22,09,511 ₹1,12,09,511

    ₹90 Lakh Home Loan EMI for 10 Years Punjab & Sind Bank 

    Here are the ₹90 lakh home loan EMI for 10 years Punjab & Sind Bank:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
    ₹90 lakh 9% p.a. 10 years ₹1,14,008 ₹46,80,983 ₹1,36,80,983

    ₹90 Lakh Home Loan EMI for 15 Years Punjab & Sind Bank

    For an amount of INR 90 Lakhs, the EMI for 15 years is as follows:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
    ₹90 lakh 9% p.a. 15 years ₹91,283 ₹74,31,118 ₹1,64,31,118

    ₹90 Lakh Home Loan EMI for 20 Years Punjab & Sind Bank

    ₹90 lakh home loan EMI for 20 years Punjab & Sind Bank are as follows:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
    ₹90 lakh 9% p.a. 20 years ₹80,975 ₹1,04,34,080 ₹1,94,34,080

    ₹90 Lakh Home Loan EMI for 25 Years Punjab & Sind Bank 

    Punjab & Sind Bank home loan of ₹90 lakh EMI for 25 years is as follows:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
    ₹90 lakh 9% p.a. 25 years ₹75,527 ₹1,36,58,301 ₹2,26,58,301

    ₹90 Lakh Punjab & Sind Bank Home Loan – Fees and Charges 

    Here are the fees and charges for ₹90 Lakh Punjab & Sind Bank Home Loan:

    Processing Fee

    Up to ₹25 lakh 0.15% of the loan amount (min ₹1,000, max ₹3,750)
    Above ₹25 lakh up to ₹50 lakh 0.25% of the loan amount (max ₹12,500)
    Above ₹50 lakh less than ₹75 lakh 0.25% of the loan amount (max ₹15,000)
    ₹75 lakh and above 0.25% of the loan amount

    Top-Up Loan Processing Fee

    Up to ₹10 lakh 0.15% of the loan amount (min ₹1,000, max ₹3,750)
    Prepayment Charges None
    Documentation Charges Actual expenses for stamp duty and other statutory charges

    Punjab & Sind Bank home loan interest rate of ₹90 lakh are:

    CIBIL Score Range Spread Effective EBLR
    768-790 0.20% 8.65%
    753-767 0.35% 8.80%
    732-752 0.55% 9.00%
    690-731 0.90% 9.35%
    641-689 1.40% 9.85%

    ₹90 Lakh Punjab & Sind Bank Home Loan – Documents Required

    To apply for a ₹90 lakh home loan with Punjab & Sind Bank, the applicant must provide the following documents:

    • Personal Identification: The applicant needs to submit valid identity proof, such as a Passport, Aadhaar Card, or PAN Card. Documents like utility bills, Aadhaar Cards, or Voter ID are acceptable for address verification.
    • Age Verification: The applicant must provide documents that confirm their age, such as a birth certificate, passport, or PAN card.
    • Income Proof: For salaried individuals, the required documents include recent salary slips, Form 16 or Income Tax Returns for the past two years, and bank statements for the last six months. Self-employed individuals must submit proof of business registration or ownership, Income Tax Returns for the previous three years, Profit & Loss statements, Balance Sheets for the last three years, and bank statements for the previous six months.
    • Property-Related Documents: The applicant must provide the Agreement for Sale or Sale Deed, an approved building plan, and the most current property tax receipts. If applicable, a No Objection Certificate (NOC) from the builder or society is also necessary. Applicants must provide a certificate of encumbrance to verify that the property is free of all outstanding legal obligations.
    • Additional Documents: The applicant should provide recent passport-sized photographs, a cheque for the processing fee, and a fully completed and signed loan application form.

    ₹90 Lakh Punjab & Sind Bank Home Loan – Eligibility Criteria

    The following are the criteria for  ₹90 lakh home loan eligibility at Punjab & Sind Bank: 

    Eligible Applicants

    Individuals Individuals can apply, including salaried, self-employed, and professionals.
    Group of Individuals Two or more individuals, such as co-applicants, can jointly apply for the loan.
    Members of Housing Societies Members of registered housing societies are also eligible.

    Age Criteria

    Minimum Age  18 years
    Maximum Age
    • The applicant’s age, along with the loan tenure, should not exceed the following:
      • For Salaried Class (Non-Pensionable): They must repay the loan by the age of 60 years.
      • For Salaried Class (Pensionable): They must repay the loan by the age of 70 years.

    Frequently Asked Questions (FAQs)

    What is the EMI for a ₹90 lakh Home Loan for 20 years in Punjab & Sind Bank?

    The EMI for a ₹90 lakh loan with Punjab & Sind Bank for 20 years is ₹₹80,975.

    Who is eligible for a ₹90 lakh Home Loan in Punjab & Sind Bank?

    A ₹90 lakh house loan from Punjab & Sind Bank is available to applicants at least eighteen years old, group co-applicants, and members of registered housing societies. The applicant's creditworthiness and steady income are further factors that determine eligibility.

    What is the monthly interest rate of a ₹90 lakh home loan in Punjab & Sind Bank?

    The interest rate for a ₹90 lakh house loan at Punjab & Sind Bank is between 8.60% and 10.62%.

    Quick Links

    Loan Offers By Punjab Sind Bank's

    Home Loan by Private Bank

    Home Loan by Nationalized Bank

    Home Loan by NBFC

    Home Loan Calculators

    Punjab Sind Bank Calculators

    Urban Money

    Disclaimer:

    The website may provide information about various loan products, insurance products, credit scores & links to other websites or resources over which urbanmoney.com does not have control as such information & links are received from the Banks, NBFCs, Insurance companies & credit rating agencies. Users of this website acknowledge that urbanmoney.com is providing these information & links only as a convenience, and further agree that urbanmoney.com is not responsible for the veracity of such information. Please note that users are advised to independently verify the information & do other requisite due diligence before making any decision and that urbanmoney.com nor its employees, partners, and associated staff are not accountable for any loss, harm, or damage due to usage of information from this website.  And further that user’s use of links to such external websites are subject to the terms of use and privacy policies located on those sites.

    © 2025 www.urbanmoney.com. All rights reserved.