The provided document is the official Punjab & Sind Bank Application Form for Education Loan, used by students and their guardians to request financial assistance for higher education in India or abroad (ENGLISH.pd… pp. 1, 4).

• Moratorium Period (Repayment Holiday): The repayment starts 1 year after the completion of the course or 6 months after getting a job, whichever is earlier (ENGLISH.pd… pp. 1, 4).
• Repayment Tenure for India & Abroad:
  • Loans up to ₹7.50 Lacs: Repayment extends up to 10 years after the moratorium ends (ENGLISH.pd… p. 4).
  • Loans above ₹7.50 Lacs: Repayment extends up to 15 years after the moratorium ends (ENGLISH.pd… p. 4).

• Vocational Courses: Loans for vocational or skill development courses are repaid in 2 to 5 years (for courses up to 1 year) or 3 to 7 years (for courses exceeding 1 year) (ENGLISH.pd… p. 4).
• Property Collateral: If immovable property is offered as security, title deeds and scaled plans must be submitted (ENGLISH.pd… p. 9). All inspection, evaluation, and legal query costs are charged to the applicant regardless of whether the loan is sanctioned (ENGLISH.pd… p. 9).

• Particulars of the Student (Section A): Captures basic identity details, past academic history, scholarship achievements, and details of the course being pursued (ENGLISH.pd… pp. 1-2).
• Financial Breakdown Matrix:
  • Cost of the Course Table: A detailed year-wise breakdown covering tuition fees, examination fees, books, uniforms, lodging/boarding, and travel money for overseas studies (ENGLISH.pd… p. 3).
  • Sources of Finance Table: Captures expected funding from the loan, scholarships, and the applicant’s own financial sources (ENGLISH.pd… p. 3).

• Co-Applicant / Guardian Details (Section B): Requires identity information, relationship validation, and a net monthly income surplus calculation worksheet (ENGLISH.pd… p. 5). Guarding applicants must attach the past 3 years of Income Tax Returns (ITR) and income slips (ENGLISH.pd… p. 5).
• Guarantor Particulars (Section C): Collects the demographic and employment details of independent financial guarantors (ENGLISH.pd… p. 7).
• Credit Report & Worth Proforma (Form No. 187): Financial declarations tracking separate fixed assets, liquid assets, and market liabilities for both the applicant and the guarantor (ENGLISH.pd… pp. 10-12).
• Receipt / Acknowledgment Slip: A detachable receipt signed by the Branch Manager acknowledging application submission with a listed checklist (ENGLISH.pd… p. 14).

If you need further help with this application, let me know if you would like me to:

• Provide a list of mandatory documents required for the student’s academic proof
• Explain how interest is serviced during the moratorium period
• Clarify what assets qualify as security under Form No. 187

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PSB Bank Policy for nomination and release of contents of Safety locker to the nominee from Download

 

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The provided document outlines Punjab & Sind Bank’s official policy regarding the Nomination and Release of Contents of Safety Lockers and Safe Custody Articles to a nominee (2150_20231… p. 1).

• Procedural Relief: Nomination is an optional tool designed to minimize legal hardships for survivors during claim processing (2150_20231… p. 1).
• Trustee Status: A nominee receives the locker items strictly as a trustee of the legal heirs and does not automatically inherit ownership rights over the estate (2150_20231… p. 1).
• Eligible Nominees: Nominations can only be made in favour of specific individuals (2150_20231… p. 1). The bank will reject nominations naming HUFs, firms, trusts, or companies (2150_20231… p. 1).

• Single Hirers: A sole locker hirer can appoint exactly one nominee using Form SL-1 (2150_20231… p. 1).
• Joint Hirers: Jointly operated lockers can have up to two nominees assigned via Form SL-1A (2150_20231… p. 2). Any future changes or cancellations must be made jointly by all surviving hirers (2150_20231… p. 3).
• Physical Release Protocol:
  • To access contents, a nominee must prove their identity and provide verified proof of the hirer’s death (2150_20231… pp. 2-3).
  • The branch will draft an itemized inventory of all articles in the locker in the direct presence of the nominee and two independent witnesses before handing anything over (2150_20231… pp. 2-3).
  • Bank staff are not required to open sealed or closed packets found inside the locker, but they must note their physical descriptions on the inventory list (2150_20231… p. 3).

• Minor Nominees: Minors are legally permitted to be nominees under Section 45 ZE of the Banking Regulation Act, 1949 (2150_20231… p. 3). The bank will discharge the articles to a competent, legally recognized adult acting on the minor’s behalf (2150_20231… p. 3).

• Legal Relationship: For safe custody items (like property deeds or wills), the bank acts as a Bailee and the customer acts as a Bailor (2150_20231… p. 4).
• Nomination Form: Initial nomination is recorded using Form SC1 (2150_20231… p. 4). Cancellations use Form SC2, and variations use Form SC3 (2150_20231… p. 4).
• Minor Provision: If a nominee is a minor, the depositor can simultaneously appoint an adult guardian to legally receive the valuables if the depositor dies while the nominee is still a minor (2150_20231… p. 4).

If you need more help with these guidelines, please let me know if you would like me to:

• Explain what happens if a joint locker holder dies but the locker has no nominee
• Provide detail on the official forms used to cancel or change a nomination (SL-2 and SL-3)
• Clarify what valid identity proofs the bank accepts for a nominee verification

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This document contains the official bank application procedures and Annexure 17 (Affidavit cum Indemnity Letter) used for settling the claims and releasing the contents of a Safe Deposit Locker belonging to a deceased individual (2150_20231… p. 4).

• Locker Release: The form authorizes the bank to release valuables, jewels, ornaments, or balances held inside the deceased person’s safe deposit locker (2150_20231… pp. 4-5).
• Legal Indemnity: The claimants must sign a binding agreement to fully indemnify and protect the bank, its managers, and officers against any future legal actions, losses, or competing claims made by other parties (2150_20231… p. 5).
• Mandatory Attestation: The final affidavit must be legally attested by a Notary Public (2150_20231… p. 5).
• Stamp Duty: The document must be executed on paper stamped with the appropriate duty payable for affidavits and indemnity bonds (2150_20231… p. 4).

• Claimant & Deceased Profile: Fields to establish the full names, ages, and exact relationships of the claimants to the deceased locker holder (2150_20231… p. 4).
• Sole Legal Heir Declaration: An absolute affirmation stating that the signing individuals are the only legal heirs entitled to the locker’s contents (2150_20231… p. 4).
• Locker & Account Details: Spaces to specify the precise account numbers, bank branch, and any accompanying credit balances including accrued interest up to the date of settlement (2150_20231… p. 4).
• Representative Authorization: A clause establishing whether the bank should hand over the physical locker items to one specific legal heir acting on behalf of all the heirs (2150_20231… p. 5).
• Execution Block: Structured lines to record the date, signatures of the deponents (claimants), and the names, addresses, and signatures of two independent witnesses (2150_20231… p. 5).

If you need more help with this process, please let me know if you would like me to:

• Explain the difference between Annexure 15 (Nomination) and Annexure 16 (No Nomination) shown in the pages
• List what physical verification steps the bank takes before opening a deceased person’s locker
• Provide guidance on how to estimate the stamp duty required for an indemnity bond

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This document is the official Punjab & Sind Bank Claim Application-Cum-Declaration Form (Form No. 218) (2150_20231… p. 1). It is used by surviving legal heirs to claim funds or shares from the account of a deceased depositor who died without leaving a registered will (intestate) (2150_20231… pp. 1-2).

• Avoid Legal Representation: The primary purpose is to request settlement of the deceased’s deposits without forcing heirs to produce formal court probate or letters of administration (2150_20231… p. 1).
• Intestate Succession: Claims are processed strictly in accordance with the specific intestate succession laws governing the deceased’s religion or community (2150_20231… p. 1).
• Legal Attestation: The final declaration must be solemnly affirmed and signed in the presence of a Magistrate, Oath Commissioner, or Notary Public (2150_20231… pp. 5-6).

• Deceased & Event Details: Fields to provide the full name of the deceased, precise date of death, place of death, and required proof of death (e.g., Death Certificate) (2150_20231… p. 1).
• Claimant Profile: Records the claimant’s personal background, including father’s name, occupation, age, religion, and relation to the deceased (2150_20231… pp. 1, 3).
• Asset & Liability Tracking: Table to declare the nature of the deposit (e.g., Fixed Deposit), maturity dates, whether the money was self-acquired or ancestral, and any outstanding liabilities or loans the deceased owed to the bank (2150_20231… p. 2).
• Exhaustive Legal Heir Matrix: Detailed sections to map out surviving immediate family members, categorized systematically by gender (e.g., widow, children, mother, children of predeceased children) to identify valid heirs (2150_20231… pp. 3-4).
• Minor Protection Clause: Requires specific disclosure if any legal heir or beneficiary is a minor, including their age and details of any court-appointed legal guardian (2150_20231… p. 4).
• Surety & Indemnity Signatures: Space for two independent individuals to sign as financial sureties. If these guarantors hold accounts at Punjab & Sind Bank, their account details must be provided (2150_20231… pp. 5-6).

If you need more help with this process, please let me know if you would like me to:

• List the mandatory supporting documents required for a deceased claim
• Explain the difference between a nominee claim and a legal heir claim
• Provide guidance on how to process a claim if a minor is involved

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This document is the official Punjab & Sind Bank RuPay KCC (Kisan Credit Card) Debit Card Application Form (PSB_RUPAY_… p. 1). It allows farmers to request a debit card linked directly to their credit line accounts (PSB_RUPAY_… pp. 1-2).

• Card Replacement: Issuing this KCC card automatically deactivates any existing basic ATM card you hold (PSB_RUPAY_… p. 1).
• Account Type: This form specifically links to Credit Line/Cash Credit (CC) accounts instead of standard savings accounts (PSB_RUPAY_… p. 2).
• Card Ownership: The card is issued in a single individual’s name (PSB_RUPAY_… p. 2).
• Joint Signatures: All account members must sign the application form if the credit line is held jointly (PSB_RUPAY_… p. 2).
• Fee Recovery: Signing the form gives the bank a legal lien to recover fees directly from your account deposits (PSB_RUPAY_… p. 2).

• Administrative Markers: Boxes to input the Application Serial Number, Branch Code, and Branch Office (PSB_RUPAY_… p. 1).
• Applicant Profile: Sections for your full name, date of birth, phone number, and residential or office addresses (PSB_RUPAY_… p. 1).
• Embossing Name: A dedicated row to specify the exact card display name you want printed on the card front (PSB_RUPAY_… p. 1).
• Account Mapping: Dedicated slots to link both your primary and secondary Cash Credit (CC) account numbers (PSB_RUPAY_… p. 2).
• National IDs: Entry grids to provide your mandatory PAN/GIR number and your optional Aadhaar card number (PSB_RUPAY_… p. 2).
• Official Verification: A separate lower section reserved entirely for the branch manager’s signature and the final date of card issue (PSB_RUPAY_… p. 2).

If you need more help with this form, please let me know if you would like me to:

• Explain the benefits of a RuPay Kisan Credit Card over a normal debit card
• Provide guidelines on the interest rates charged on KCC accounts
• Detail the maximum credit limit criteria for a KCC account

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