Punjab & Sind Bank is an India-based bank. The Bank's business segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers international banking and domestic banking services. Its international banking services include Non-Resident Indian (NRI) services, export/import services, foreign exchange (forex) treasury and gold card schemes, among others. The Bank's domestic banking services include deposits, such as savings account, recurring deposits and fixed deposits, and advances, such as personal loans, housing loans, commercial vehicle schemes, debt restructuring, loan against property (LAP) and other loans, among others. The Bank also offers locker facilities, Internet banking, online payment, mobile banking and short message service (SMS) banking services. The Bank has a network of approximately 1,340 automated teller machines (ATMs).