PNB Housing Finance FD Rates and Calculator 2025

Non-Cumulative Deposit

Note: The above-mentioned interest rates are effective from 17 February 2024. PNB Housing Finance can change the interest rates without prior notice.

PNB Housing Finance Fixed Deposit - Advantages

The main advantages of the FD scheme offered by PNB Housing Finance are mentioned below:

1. Nominations can be added to the account.
2. Premature withdrawal facility is provided.
3. Up to 75% of the amount that is available in the FD account can be availed as a loan.
4. In case the income from the FD account is Rs.5,000 or lower in a year, tax need not be paid.
5. An additional interest rate of 0.25% is offered to senior citizens.
6. Auto-renewal facility is provided.

PNB Housing Finance Fixed Deposit - Eligibility Criteria

The eligibility criteria that must be met in order to open an FD account with PNB Housing Finance are mentioned below:

1. Resident Indians can open the account.
2. Joint accounts can be opened.
3. Non-Resident Indians (NRIs) can open an FD account.

PNB Housing Finance Fixed Deposit - Documents Required

The list of documents that must be submitted in order to open an FD account with PNB Housing Finance are mentioned below:

Individuals

1. Address proof such as Voter ID, Aadhaar Card, etc., that is self-attested.
2. Permanent Account Number (PAN) Card copy that is self-attested.
3. Passport-sized photograph.

Partnership Firm

1. The firm's PAN Card copy.
2. Specimen signatures.
3. Details of the partners such as their addresses and names.
4. Partnership declaration provided by the partners.

Co-Operative Banks, Co-Operative Societies, and Public/ Private Limited Companies

1. Proof of address of the signing authorities.
2. PAN Cards of the signing authorities.
3. Photographs of the signing authorities.
4. Specimen signatures of the authorised individuals.
5. Resolution of Investment copy.
6. Bye-Laws copy.

Clubs/ Associations/ Trusts

1. Proof of address of the signing authorities.
2. PAN Cards of the signing authorities.
3. Photographs of the signing authorities.
4. Specimen signatures of the authorised individuals.
5. Proof of the address of the trust.
6. PAN Card copy of the trust.
7. Resolution of Investment copy.
8. Registration Certificate.
9. Trust Deed.

Process to Apply for a PNB Housing Finance Fixed Deposit

The procedure to apply for an FD offered by PNB Housing Finance is mentioned below:

1. Visit website.
2. Click on 'Apply Now'.
3. On the next page, enter your name, mobile number, email ID, location, and FD amount.
4. Agree to the terms and conditions and click on 'Request A Call Back'.
5. A PNB Housing Finance representative will contact you to process the request.

PNB Housing Finance Fixed Deposit - Premature Withdrawal

The FD account comes with a lock-in period of three months. The terms and conditions in the case of premature withdrawal are mentioned below:

1. In case the FD account is closed post three months but earlier than six months, the interest that is payable is 4% p.a. in the case of individual depositors. No interest will be paid for other depositors.
2. In case the FD account is closed post six months, the interest that will be paid is 1% lower than the applicable interest rate.
3. In case the rates are not mentioned, 2% lower (of the minimum rate) will be accepted.