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Punjab and Sind Bank Home Loan Statement

Punjab and Sind Bank Home Loan Provisional Certificate

Last Updated 20th May 2021

  • Punjab and Sind Bank home loan statement is a summarized version of the availed home loan by a borrower.
  • Punjab and Sind Bank loan statement is issued at the end of each fiscal year and contains information like borrowed loan amount, the amount paid, and remaining loan amount and home loan EMIs to be paid by the Punjab and Sind Bank home loan borrower.
  • Punjab and Sind Bank home loan statement is also called Punjab and Sind Bank home loan provisional certificate.
  • The statement can be accessed both offline and online by the Punjab and Sind Bank home loan borrowers.
  • Punjab and Sind Bank home loan statement can be used to apply for a new loan or to calculate your debt to income ratio.
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Punjab and Sind Home Loan Statement

Punjab and Sind home loan statement is a summarized version of the Punjab and Sind home loan details. Punjab and Sind bank loan statement gives a clear view of all important components of a home loan that a borrower deals with to pay his Punjab and Sind home loan EMI. The statement includes the principal amount borrowed, the interest to be charged, and the loan tenure. Punjab and Sind home loan statement, also called as Punjab and Sind bank home loan provisional certificate is issued at the end or beginning of each fiscal year to indicate the remaining home loan amount and home loan EMI to be paid by the home loan borrower.

How to get Punjab and Sind Home Loan Provisional Certificate Online?

Similar to all banking activities, Punjab and Sind home loan statement or Punjab and Sind home loan certificate can be accessed online. For this, the borrower needs to follow the below mentioned:

  • Visit the Punjab and Sind net banking portal or their official website.
  • Click on the login page and enter your user id and password allocated for the net banking services.
  • After logging in, click on the ‘Enquiries’ tab.
  • Under the Enquiries head, select the ‘Home loan provisional certificate’ option.
  • Enter your home loan details for which you need the desired information.
  • After entering the information, the Punjab and Sind home loan statement opens. You can either view, print or can avail Punjab and Sind home loan statement online download facility.

How to get Punjab and Sind Home Loan statement Offline?

Punjab and Sind home loan statement can be availed offline as well. For the offline process, you have to follow the below-mentioned steps:

  • Visit the nearest Punjab and Sind branch.
  • Ask for a home loan statement form, and fill the necessary information accurately such as the applicant name, PAN number, date of birth, residential address, home loan details like home loan account number, email id of the applicant and contact number.
  • After filing in the form, submit it with the required documents such as Aadhar card, PAN card or Passport copy.

Why Punjab and Sind Home Loan Statements are required?

Punjab and Sind home loan statement is required to serve the following purpose:

  • Punjab and Sind provisional certificate helps home loan borrowers keep a regular check on their home loan activities.
  • It keeps the borrowers updated about their upcoming home loan EMIs, due amount, the amount paid and the remaining loan tenure.
  • Further, these Punjab and Sind loan statements are even useful after the completion of a particular loan. This is because it becomes a mark of a person’s loan repayment capability and is checked by banks for lending future loans.
  • Punjab and Sind home loan tax certificate also informs one of how much tax one needs to pay. It is necessary to claim tax deductions.

FAQs

How can I download my Punjab and Sind Bank home loan provisional certificate?

Punjab and Sind Bank home loan provisional certificate online can be downloaded using the Punjab and Sind Bank net banking facility or the Punjab and Sind Bank home loan portal. You need to enter your login and home loan details to download the Punjab and Sind Bank provisional certificate or to avail Punjab and Sind Bank home loan statement online download.

How can I get my Punjab and Sind Bank home loan statement online?

You can get your Punjab and Sind Bank home loan statement online, by logging in on the online portals, and choosing the ‘Home loan provisional certificate’ option under the enquiries tab.

How do I download my bank statements?

Bank statements can be downloaded using the online portals of the respective Bank. However, to download a Punjab and Sind Bank loan statement, you need to have access to the net banking service, which is done through the login id and password allocated by the Bank.

How can I get an Punjab and Sind Bank housing provisional certificate?

Punjab and Sind Bank housing provisional certificate can be accessed both offline and online. For the offline services, one needs to visit the nearest Punjab and Sind Bank bank branch physically. The online services, on the other hand, can be availed through the net banking portals.


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Punjab and Sind Home Loan News - Jun 2021
  • 2021-05-20 : Punjab and Sind Bank revised its Marginal cost of lending rates
    Punjab and Sind Bank revised its MCLR. The overnight MCLR is 7.10%. The one-month and three months MCLR stand at 7.15% and 7.25%, respectively. Further, the six months and one-year MCLR is 7.40% and 7.60%, respectively. The revised rates are effective 16 May 2021. The revised rates will impact MCLR based home loans.
  • 2021-02-05 : Punjab and Sind Bank reported a loss of Rs. 2375 crores
    Punjab & Sind Bank net loss in December quarter 2020-21 spiralled to Rs 2,375.53 crore on higher provisions for bad loans. Total income fell to Rs 1,982.52 crore from Rs 2,077.01 crore in the same period of 2019-20. Further, Net income fell 9.1% to Rs 1,763.10 crore and income on investments was down 12.1% to Rs 455.42 crore.
  • 2020-06-30 : Punjab and Sind Bank Q4 loss widens
    Punjab and Sind Bank reported widening of loss to Rs 236.30 crore for the fourth quarter of 2019-20 as provisions for bad loans rose. The public sector bank had posted a loss of Rs 58.57 crore in January-March, 2018-19. During the quarter, the bank backed by the retail loan like home, personal, gold, two-wheeler, car along with business and mudra loan, earned an operating profit of Rs 429.75 crore as against Rs 404.13 crore in the same period of the previous fiscal.
  • 2019-07-25 : Punjab and Sind Bank eyes for expansion in eastern states
    Public sector lender, Punjab and Sind Bank is looking to scale up its presence in the eastern states of Bihar, West Bengal, and Jharkhand. The lender has plans to open more number of bank branches in these regions to step up its retail loan business, including home loans and mortgage loans. Apart from this, the lender will also aim to offer improvised services to its customers, including lockers and digital banking facilities.
  • 2019-07-02 : Punjab & Sind Bank centralizes MSME, retail loan approvals
    Punjab & Sind Bank has set up the Centralised MSME & Retail Group (Cen-MARG) for credit facilities at its head office. Now, all MSME and retail credit approvals will be performed at this centralized setup. This initiative by the lender will help boost lead generation for retail and MSME lending and enhanced customer service.
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