Punjab & Sind Bank provides various banking and financial products and services in India. The company operates through four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. It offers deposit products, including saving accounts, current accounts, recurring deposit accounts, and fixed deposits; and loans, such as home, auto, skill education, commercial vehicle, personal, doctor, mortgage, vyapar, gold, and other loans, as well as sukhmoney scheme for senior citizens, and SB OD schemes. The company also provides non fund based products, including letter of credit, LC advising/confirming, bank guarantee, co-acceptance facility, solvency certificate, and credit report products and services, as well as debt restructuring services. In addition, it offers locker facility, government schemes, and life and general insurance; digital banking services comprising internet and mobile banking, SMS banking, Aadhaar seeding, point of sale, unified payment interface, real time gross settlement, RTGS/NEFT, ATM/debit cards, and online payment; international banking services, including NRI schemes, export/import services, forex treasury, and resident facility, as well as products for micro and small enterprises. The company was incorporated in 1908 and is headquartered in New Delhi, India.