Punjab and Sind Bank is a leading public sector bank and a major bank in Northern India. The Bank is engaged in providing a wide range of products and services to individuals, commercial enterprises, large corporates, public bodies, and institutional customers. The Government of India holds 98.25% of the total equity share capital in The Punjab and Sind Bank. In retail banking, the bank provides loans and advances for housing, trade, automobiles, consumer durables, education and personal loans.