Punjab & Sind Bank, an Indian financial institution, delivers a broad spectrum of banking and financial products and services. Its operations are organized into four distinct segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The bank offers a variety of deposit options, including savings, current, recurring, and fixed accounts, alongside a comprehensive range of loan products. These loans encompass home, auto, skill education, commercial vehicle, personal, professional (e.g., doctor), mortgage, business (vyapar), and gold loans, complemented by specialized schemes like Sukhmani for senior citizens and SB OD facilities. Beyond traditional lending, the bank provides non-fund-based services such as letters of credit (including advising and confirmation), bank guarantees, co-acceptance facilities, solvency certificates, credit reporting, and debt restructuring. Further amenities include locker services, involvement in government programs, and offerings in both life and general insurance. Its extensive digital banking suite features internet and mobile banking, SMS banking, Aadhaar integration, point-of-sale solutions, UPI, RTGS/NEFT for rapid fund transfers, ATM/debit cards, and diverse online payment methods. For international clients, the bank extends NRI schemes, export/import services, forex treasury management, and resident foreign exchange facilities. Tailored products are also available for micro and small enterprises. Founded in 1908, Punjab & Sind Bank maintains its headquarters in New Delhi, India.
