Punjab & Sind Bank ("PSB") is committed to protecting your privacy.

1. INFORMATION COLLECTED

We collect personal information including name, PAN, Aadhaar, mobile number, email address, bank account details, and mutual fund portfolio details for the purpose of processing your loan application.

2. USE OF INFORMATION

Your information is used to: Verify your identity and eligibility Process your Loan Against Mutual Funds application Communicate loan status and EMI reminders Comply with regulatory requirements (RBI, SEBI, AMFI) Detect and prevent fraud

3. DATA SHARING

We may share your information with: CAMS / KFintech (MF Central) for portfolio fetching Credit Bureaus (CIBIL, Experian) for credit checks RTAs and Depositories for pledge/lien marking DigiO for e-mandate setup Knight Fintech (KFT) for technology services

4. DATA SECURITY

All data is encrypted using 256-bit SSL. We follow ISO 27001 security standards.

5. RETENTION

Data is retained for a minimum of 8 years as per RBI guidelines.

6. YOUR RIGHTS

You have the right to access, correct, or request deletion of your personal data by writing to privacy@punjabandsindbank.co.in

7. COOKIES

Our portal uses essential cookies only for session management.

For queries, contact: grievance@punjabandsindbank.co.in

I have Understood

Punjab & Sind Bank ("PSB") is committed to protecting your privacy.

1. INFORMATION COLLECTED

We collect personal information including name, PAN, Aadhaar, mobile number, email address, bank account details, and mutual fund portfolio details for the purpose of processing your loan application.

2. USE OF INFORMATION

Your information is used to: Verify your identity and eligibility Process your Loan Against Mutual Funds application Communicate loan status and EMI reminders Comply with regulatory requirements (RBI, SEBI, AMFI) Detect and prevent fraud

3. DATA SHARING

We may share your information with: CAMS / KFintech (MF Central) for portfolio fetching Credit Bureaus (CIBIL, Experian) for credit checks RTAs and Depositories for pledge/lien marking DigiO for e-mandate setup Knight Fintech (KFT) for technology services

4. DATA SECURITY

All data is encrypted using 256-bit SSL. We follow ISO 27001 security standards.

5. RETENTION

Data is retained for a minimum of 8 years as per RBI guidelines.

6. YOUR RIGHTS

You have the right to access, correct, or request deletion of your personal data by writing to privacy@punjabandsindbank.co.in

7. COOKIES

Our portal uses essential cookies only for session management.

For queries, contact: grievance@punjabandsindbank.co.in

I have Understood

TERMS AND CONDITIONS — PSB E-MUTUAL FUND (LOAN AGAINST MUTUAL FUNDS)

1. ELIGIBILITY

Indian residents above 18 years of age Valid PAN and Aadhaar mandatory Must hold eligible mutual fund units

2. LOAN TERMS

Interest Rate: Floating, linked to PSB Base Rate / RLLR Tenure: 6 to 60 months Processing Fee: 1% of loan amount + 18% GST Prepayment / Foreclosure Charges: Nil

3. PLEDGE / LIEN

Units will be marked under lien with the RTA/Depository Lien release only upon full loan repayment Bank reserves right to invoke pledge on default

4. REPAYMENT

EMI via NACH auto-debit on 5th of every month Bounced ECS will attract ₹500 + GST charge

5. MARGIN CALL

If portfolio NAV falls below threshold, borrower must provide additional margin within 7 days

6. DEFAULT

Overdue attracts penal interest @ 2% per month Repeated default may be reported to credit bureaus

7. GOVERNING LAW

These terms are governed by the laws of India and subject to the jurisdiction of courts in New Delhi.

8. AMENDMENTS

PSB reserves the right to amend these terms with 30 days prior notice.

Contact: lamf.support@punjabandsindbank.co.in

I have Understood