PNB Housing Finance Ltd Fixed Deposit interest rate up to 10.42% p.a.

About PNB Housing Finance Ltd Fixed Deposits:

PNB Housing Finance Limited (PNBHFL) is a registered housing finance company with National Housing Bank (NHB). It was incorporated under the Companies Act, 1956 and commenced its operations on November 11, 1988. PNBHFL is a subsidiary of Punjab National Bank (PNB), which holds 51% of share capital in the Company.

PNB Housing provides safe investment options to various deposit schemes with attractive rate of interest. With over three decades of specialized experience in housing finance, PNB Housing has a robust network of branches spread across the country which help it customers avail financial services (loans and deposits) seamlessly. PNB Housing Fixed Deposits are one of the safest investment avenues, which can help you grow your savings, while offering stability and safety of principal amount. By investing in FD, you can take control of your investments, with greater flexibility, assured returns and high stability. Anyone can choose tenor between 12 months and 120 months, as per his financial needs. In addition to attractive FD interest rates that offer greater returns, you can avail a suite of exciting features and benefits, such as choosing your tenor, or the frequency of your interest pay-outs.

Features and Benefits of PNB Housing Fixed Deposits

Features and Benefits of PNB Housing Fixed Deposits

  • Return on Your Investment: PNB Housing Fixed Deposits provide a lucrative interest rate with a reliable interest flow that helps you plan and manage your expenses easily. With a high interest rate on FD, you can accumulate your wealth and grow your corpus. These stable returns make PNB Housing FDs one of the best investment avenues for growing your savings easily.

  • High Safety Stability and Credibility Assurance: PNB Housing Fixed Deposits are rated CRISIL FAA+/Negative & CARE AA/stable indicates High level of Safety. This rating indicates that the degree of safety regarding timely payment of interest and principal is very strong, so your investments are never at risk. Senior citizen rates are applicable for deposits upto RS 1 Crore only

  • Minimum deposit: The minimum deposit required to invest in a PNB Housing Fixed Deposits starts from Rs. 10,000 to Rs. 25,000, which makes it easier to invest. With this minimum deposit amount, you can start investing any time, without having to wait and accumulate a larger corpus. Even with a smaller minimum deposit amount, you can ladder your investments, so you can earn better returns.

  • Assured Returns: No influence of market fluctuations, so you get assured gains on your investment in PNB Housing Fixed Deposits

  • Flexible Tenors: With PNB Housing Fixed Deposits, you can choose tenor between 12 and 120 months, to suit your financial needs. This can impact your liquidity needs, and help you ladder your investments, so that you can enjoy a higher cash inflow.

  • 120+ Branches across India: Offered in over 120 cities across the country, opening a PNB Housing Fixed Deposit is easy with greater access.

  • No TDS Deduction: No tax to be deducted at source on interest income upto Rs.5000 per financial year in PNB Housing Fixed Deposits.

  • Loan Facility against PNB Housing Fixed Deposits: Loan facility up to 75% of deposit available from all branches of PNB Housing and PNB.

  • Encashment of cheques in respect of interest and repayment of deposits AT PAR by selected branches of PNB.

  • Premature Cancellation of PNB Housing Fixed Deposits: Premature cancellation allowed after 3 months on the discretion of the Company.

  • Nomination Facility: Nomination facility available as per NHB guidelines in PNB Housing Fixed Deposits


Fixed Deposit Interest Rates

REGULAR DEPOSITS UP TO RS. 5 CRORE.
Rates Effective from 22nd September 2023.

Period (Months) Cumulative Option (ROI)
Tentative Yield (for Cumulative Option)
Monthly Income Quarterly Option Half-Yearly Option Annual Income Plan
12-23 7.45% 7.45% 7.21% 7.25% 7.32% 7.45%
24-35
7.00% 7.25% 6.79% 6.83% 6.89% 7.00%
36-47
7.85% 8.48% 7.58% 7.63% 7.70% 7.85%
48-59
7.40% 8.26% 7.16% 7.20% 7.26% 7.40%
60-71
7.65% 8.91% 7.39% 7.44% 7.51% 7.65%
72-84
7.40% 8.91% 7.16% 7.20% 7.27% 7.40%
120 7.40% 10.42% 7.16% 7.20% 7.27% 7.40%
Minimum Amount (Rs) 10,000/- 10,000/- 25,000/- 10,000/- 10,000/- 10,000/-

• Rates are applicable upto 5 Crore for deposits
• Senior citizens (above 60 years) will be eligible for 0.30% additional Rate of Interest.
• Senior citizen rates are applicable for deposits up to 1 Crore only
• Rates effective from 22nd September, 2023.

Application Submission Procedure and Form Submission / Collection Centers

– Take print of the below PNB Housing Finance Ltd Fixed Deposit Application Form on A4 size paper.
Click here to download PNB Housing Fixed Deposits Application form
Attach following document along with the downloaded application form: –
1. Affix a latest photograph of each investor.
2. PAN Card and Address Proof Photo Copy self-attested by applicant/s.
3. One Cancelled Cheque copy.(for ECS/RTGS/NEFT payment of Interest /Maturity Amount.)
4. Investment Cheque / DD should be drawn in favour of “PNB Housing Finance Limited” and crossed “Account Payee Only”.
5. Keep photocopy of application form for your record.
6. Submit / deposit your application form in Listed Branches of PNBHF or in/ Design Bank Branches. (Find attached list below, Search for your city)
7. Or you can send your Application along with above document to below mention address:- Sanriya Investment Services, Kamdhenu, 2nd Floor, Opp. Prakash (MSEB Office) Bhavan, Next to Bank of Baroda, Near Chattushringi Temple, above Tribes India, Senapati Bapat Rd, Shivajinagar, Pune, Maharashtra 411016, Mob. No. 9175193456 / 9175937625.
8. You need to carry properly filled application forms, submission centers do not provide application forms, only accept the forms and provide acknowledgement.
9. The Acknowledgement copy will suffice your investment purpose.
10. PNBHF FD receipt will issue within 2-4 weeks from the cheque clearance date or such extended period as may be decided by PNBHFL.
11. To track the status/allotment of your application form, send us the soft copy Application Form/ Acknowledgement Slip on info@sanriya.in
12. All application must have Broker Code: PUN/DEP/2704/6078 S Kedari
13. Free Home Service is available*
14. Ask for service, not for brokerage/commission/pass back/rebate, we don’t entertain such kind of people.
15. The duly filled fixed deposit application form along with the required KYC documents and Cheque/ DD has to be submitted at the nearest below PNB Housing branches or the following listed HDFC Bank’s collection centers.

City / LocationAddress to submit PNB HF FD Application Form
AgraPNB Housing Finance Limited, 1st Floor, Sumriddhi Complex, Suite No. 104- 105, Block No. 38/A4, Sanjay Place,  Agra- 282002
AhemdabadPNB Housing Finance Limited, 2nd Floor Megha House , Opp Kotak Bank, Mithakhali Six Road, Ahemdabad – 380006
AHMEDNAGAR (Maharashtra) Outreach location of pune PNB Housing Finance Ltd, Unit No-108 & 109, 1st floor, Near Panchsil Hotel, Nagar- Manmad Road, Savedi, Ahmednagar - 414003
AjmerHDFC Bank Ltd. Ground Floor, Rajasthan Patrika Building, Ajmer, Rajasthan Ajmer 305001
AllahabadHDFC Bank, 58, sp marg civil lines, Allahabad Allahabad 211003
AMBATTUR (CHENNAI)Pnb Housing Finance Ltd
Vaagai, 2nd floor, sector 1,
Ambattur industrial estate,
2nd main road, Chennai - 600058
AnandHDFC Bank Ltd. 1st Floor, Sanket Complex, Next to Sales India, Grid cross road, Anand – 388001 Anand 388001
AurangabadHDFC BANK LTD. Divekar Plaza, CTS No 18272, IInd Floor, Railway Station Road, Padampura Aurangabad 431001
AURANGABAD PNB Housing Finance Limited E-1, E-2 & E-3, Fourth Floor Aurangabad Business Centre,
Adalat Road, Aurangabad, Maharashtra - 431001
Bangalore – IndiranagarPnb Housing Finance Ltd., Maruthi Plaza, 100ft ring road, Indira nagar, next to HDFC Bank, Bangalore- 560038
Bangalore – Manyata Tech ParkPNB Housing Finance Limited Mfar Manyata Tech Park, Greenheart Phase IV, Manyata Embassy Tech Park, Nagwara, Bengaluru – 560045
Bangalore- BTM LayoutPNB Housing Finance Limited, Property Bearing no. 5, Mathrushree Arcade, 100 ft Ring Road 1st Phase, 2nd stage BTM Layout, Bangalore – 560076
Bangalore- ITPLPNB Housing Finance Limited Information Technology Park, S-22B, Concourse, ITPL, Witefield Road, Bangalore-560066
Bangalore- KasturinagarPNB Housing Finance Ltd, 141, 1st floor, 3rd Main Road, Kasturi Nagar, NGEF East, Benniganahalli Ward, Bangalore – 560043
Bangalore-MalleshwaramPNB Housing Finance Ltd., H.V.V Plaza, #76, 2nd floor, B Wing, 4th main, 15th, cross, opposite Himanshu school & Karnataka Bank, Malleshwaram, Bangalore – 560055
Bangalore-MarathahalliPNB Housing Finance Ltd., #56, Sai Arcade, 3 rd floor,Marathahalli Ring Road, Devarabisanahalli, Bangalore – 560103
BAREILLY (UTTAR PRADESH)PNB Housing finance ltd
2nd floor,320,Akash Floor House,
City station Road, Civil Line
Bareilly - 243001.
BelgaumHDFC Bank Ltd., No 4830/2A Opp District Hospital, Dr Ambedkar Road, Belgaum 590002 Belgaum 590002
Bengaluru - TUMKUR (KARNATAKA) Outreach Location Of BengaluruPNB Housing Finance Limited Sy No 85, 30:34,
Shop no-2, 1st Floor,
Renuka Complex, B H Road,
Tumkur-572102
BENGALURU (ELECTRONIC CITY)PNB Housing Finance Limited Property No.17 B, 3rd floor,
Hosur Road, Electronic City Phase 2,
Bangalore - 560100
BENGALURU (VIJAYANAGAR)PNB Housing Finance Ltd.,
1125/12, Ground floor, service road,
Hampi Nagar, Vijayanagar,
Bangalore - 560104
BHARUCH (Gujarat) Outreach location of vadodara PNB Housing Finance Ltd.
Shop no-10, 1st Floor,
Shreeji Darshan complex no-2,
Near Chamunda temple,
Zadeshwar Road, Bharuch
BhiwadiPNB Housing Finance Ltd., A-10, 1st Floor, Bhagat Singh Colony, Alwar Bye Pass, Bhiwadi, Rajasthan 
BhopalPNB Housing Finance Limited, 1st Floor, 131/10, Zone II, M P Nagar, Tehsil Huzur, Bhopal-462011
Bhopal - VIDISHA (MADHYA PRADESH) Outreach Location Of BhopalPNB Housing Finance Limited Gaurav Business Centre,
Sanchi Road, Infront of Adani Wilmare Soya Plant,
Vidisha
BhubaneswarPNB Housing Finance Ltd., Office No. 1 & 2,5th Floor, Block -2, Bhawani Mall, Saheed Nagar, Bhubaneswar – 751007
BikanerPNB Housing Finance Limited, B-46, 2nd floor, Sadul Ganj, Bikaner-334002
Bikaner - GANGA NAGAR (RAJASTHAN) Outreach Location Of BikanerPNB Housing Finance Limited 1st Floor, 7 - Lakkar Mandi ,
Above Hind Timbers , Sri Ganga Nagar
Rajasthan PIN CODE- 335001
BILASPUR (Chhattisgarh) Outreach location of raipur PNB Housing Finance Limited,G-5, 1st Floor,
BR Gwallani Chambers,
Vyapar Vihar, Bilaspur – 495001
BOISAR PNB Housing Finance Limited 2B, Second Floor, Ameya Park,
Navapur Road, Boisar [West],
Maharashtra - 401501
ChandigarhPNB Housing Finance Limited, SCO 323-324, second Floor SEC 35 B, Chandigarh – 160008
Chandigarh - PATIALA (PUNJAB) Outreach Location Of ChandigarhPNB Housing Finance Limited Juneja Realtors Near Fountain Chowk,
Head post office road,
Patiala-147001
Chennai - PONDICHERRY (PONDICHERRY) Outreach Location Of Chennai
PNB Housing Finance Limited No-6, 2nd Floor,
100ft road, Ellaipillaichavadi,
Pondicherry-605005
Chennai - VELLORE Outreach Location Of ChennaiPNB Housing Finance Limited No.41 B, 2nd Floor, Immanuel Complex,
Katpadi-Vellore Road, Thirunagar,
Vellore – 632006
Chennai-(Tamil nadu)RoayapettahPNB Housing Finance Limited, 3rd floor, Sudershan Building, No. 14, Whites Road, Roayapettah, Chennai – 600014
Chennai-OMRPNB Housing Finance Ltd., CAPITAL ONE, 1st Floor, No 398, Rajiv Gandhi Salai, (OMR) Nehru Nagar, Kottivakkam, Chennai-600096
CochinPNB Housing Finance Limited, 1st Floor, R P Arcade, Adjacent to Gold Souk Mall, Near Railway Overbridge, Ponnuruni, Vytilla, Cochin – 682019
Cochin - KOTTAYAM (KERALA) Outreach Location Of CochinPNB Housing Finance Limited No, 1477C, 1477C1,
1st floor, Cyrils Tower,
Collectorate railway station road,
Kottayam
CoimbatorePNB Housing Finance Limited, 1112, Raja Plaza,2nd Floor, Laxmi Mill Junction, Coimbatore – 641037
COIMBATORE HUBPNB Housing Finance Limited Noble Centre, 1st floor,
laxmi mills signal,
pappanayakan palayam,
Coimbatore – 641037
DehradunPNB Housing Finance Limited, Shop no. 203, Laxmi Chambers 69, Rajpur Road, Dehradun – 248001
Dehradun - ROORKEE (UTTARAKHAND) Outreach Location Of DehradunPNB Housing Finance Limited 1138/1, Near Sub Jail,
Dehradun Road,
Roorkee - 247667
Delhi- PitampuraPNB Housing Finance Ltd, 5th Floor, HB Twin Tower -1, Plot No.A-2,3,4 Netaji Subhash Place, Pitampura, New Delhi – 110034
Delhi-Green ParkPNB Housing Finance Ltd, Building No. S-8, Uphar Cinema Complex, Green Park extn. New Delhi-110016
DhanbadHDFC Bank, SRI RAM PLAZA, 1ST FLOOR, BANK MORE DHANBAD Dhanbad 826 001
ERODE (TAMIL NADU) Outreach Location Of CoimbatorePNB Housing Finance Limited No-139, URT Tower,
1st Floor, Perunthurai Road,
Erode-638011
FaridabadPNB Housing Finance Ltd. SCO 136, 1st Floor, Huda Market, Above Allahabad bank, Sector-21C, Faridabad-122001
Ghaziabad - VasundharaPNB Housing Finance Limited, UG 11,12 & 13, SG Beta Tower, Plot no 10 Sector – 3, Vasundhara, Ghaziabad (UP) – 201011
GHAZIABAD (RDC)PNB Housing Finance Limited D-8, 1st Floor, Opposite BSNL Office,
Rajnagar Distt. Center (RDC),
Ghaziabad - 201002
GUNTUR (ANDHRA PRADESH)PNB Housing Finance Limited GB Prime 31-4-363,
1st floor, arundalpet,
4th lane, Guntur - 522002
GurugramPNB Housing Finance Limited, SCO No. 391, Sector – 29, Urban EstateNear Iffco Chowk Metro Station, Gurugram-122001
HALDWANI (UTTRAKHAND)PNB Housing Finance Limited,
Sanwal Plaza, 1st floor,
Durga City Centre, Delhi- Nainital Road,
Haldwani – 263139, Uttrakhand
HARIDWAR (UTTARAKHAND)
PNB Housing Finance Limited Delhi Haridwar Main road, Next to Aurobindo Ashram,
Ranipur Mor, Jwalapur, Distt Haridwar – 249407
HOSUR (TAMIL NADU) Outreach Location Of ChennaiPNB Housing Finance Limited D.No – 49-14, Rajendra Towers,
2nd floor, Next to Raghavendra Theater,
Denkanikotta Main Road, Shanti Nagar,
Hosur – 635109
HubliHDFC Bank, Shriram Plaza Dervice Branch Club Road Hubli 580029
HYDERABAD (GACHIBOWLI)
PNB Housing Finance Limited 2-48/190/B/,3rd floor, Telecom nagar society,
Gachibowli main road, Hyderabad
Hyderabad- LakdikapulPNB Housing Finance Limited, 6-1-73, First Floor Saeed PlazaLakdi Ka Pool, Saifabad, Hyderabad – 500004
Hyderabad(Banjara Hills)PNB Housing Finance Ltd., B V Raju Bhavan, 4th floor, 8-2-269/4/C & D, Near Sagar Society Road no-2,Banjarahills, Hyderabad
HYDERABAD(KUKATPALLY)PNB Housing Finance Limited MCH No. 15-24-173,
Road No 1, KPHB Colony,
2nd Floor, Kukatpally,
Hyderabad – 500072
IndorePNB Housing Finance Limited, 201, 2nd floor, megapolis building,579, M G Road, Indore- 452001
INDORE (VAISHALI NAGAR)
PNB Housing Finance Limited Unit no. 101, First Floor, Sunder Sadan,
Sector – 2, Annapurna Main Road,
Vaishali Nagar, Indore, Madhya Pradesh -452009
JaipurPNB Housing Finance Limited, SB – 59,UDB Towers, 1st Floor, opp. Jaipur nagar nigam, Tonk Road, Jaipur-302015
Jaipur - BHILWARA (RAJASTHAN) Outreach Location Of JaipurPNB Housing Finance Limited 2nd floor, Opp. Hyundai,
Old RTO Road, Gandhi Nagar,
Pur Road, Bhilwara,
Rajasthan
JalandharPNB Housing Finance Ltd.,Office No. 23, 24, 25 , Ist Floor, City Square Building,Civil Lines, Jalandhar
JAMSHEDPURPNB Housing Finance Limited Badhani Trade Centre, 3rd Floor, R. Road,
Bistupur, Jamshedpur-831001, Jharkhand.
JamshedpurHDFC Bank Ltd., 1st floor, 105 , SNP Area , Sakchi , Jamshedpur – 831 00 Jamshedpur 831001
JodhpurPNB Housing Finance Lt, Jasoda Tower, A-65 to 69, Akhaliya Circle, Jodhpur
JUNAGADH(GUJARAT)
PNB Housing finance ltd
Office no 304, Third Floor,
Merry Gold Complex,
opp Bahaudin College,
Junagadh-362001(Gujrat)
Kakinada Outreach location of visakhapatnam PNB Housing Finance Limited D NO: 6-5-1, 1st floor LNT House,
Nookalamma Temple Street, Suryaraopet,
Kakinada, Andhra Pradesh - 533001
KanpurPNB Housing Finance Ltd., 3rd Floor, 16/104 A, Shri Siddhivinayak Building, Civil Lines, Kanpur- 208001
KanpurHDFC Bank, 15/46, 1st floor, Civil Lines, Kanpur-208001 Kanpur 208001
KarnalPNB Housing Finance Limited, SCO 218-219, 1st Floor, Sector 12, Part 1, City Centre Huda, Karnal – 132001
KolahpurPNB Housing Finance Limited 401/402, Fourth Floor, Matoshri Plaza, Venus Corner, Shahupuri, Kolhapur – 416001
KOLKATA (West Bengal)PNB Housing Finance Limited 5th Floor South Block,
Premises No. 7 KYD Street,
Kolkatta-700016
Kolkata- Purna Das RoadPNB Housing Finance Ltd. Conveno Estate Managers Pvt Ltd, 49/2, 3rd Floor, Purna Das Road, Kolkata-700029
KolkattaPNB Housing Finance Ltd., 5th Floor South Block, Premises No. 7 KYD Street, Kolkatta-700016
KOLLAM (Kerala)PNB Housing Finance Limited Rajan Plaza, 1st floor, Kilikolloor,
PO, Randamkutty, Kollam – 691004
KOTA (RAJASTHAN) Outreach Location Of JaipurPNB Housing Finance Limited 76, Shopping Centre,
Opp Rotary Binani Sabhagar,
Kota
KOTTAYAM (KERALA) Outreach Location Of CochinPNB Housing Finance Limited No, 1477C, 1477C1,
1st floor, Cyrils Tower,
Collectorate railway station road,
Kottayam
KOZHIKODE (Kerala)PNB Housing Finance Limited Door No 5/2549 J, 1st floor, Joselas Galleria,
opp Malabar Christian College, H S School,
Wayanad Road, Kozhikode – 673001
LucknowPNB Housing Finance Limited, 1st Floor, Commercial Complex Shahnajaf Road, Pandit House, Lucknow-226001
lucknow - ALLAHABAD (Lucknow) Outreach location of lucknow PNB Housing Finance Ltd,
Ground Floor, LDA Centre,
Allahabad-211001
LudhianaPNB Housing Finance Limited, S C O-16 & 17, 2nd Floor, Canal colony, Pakhowal Road, Near NRI silk, Ludhiana – 141001
MaduraiPNB Housing Finance Ltd, Nandhini Building, 3rd Floor, #48, Bye Pass Road, 2nd Street, Ponmani, Madurai- 625016
madurai - Tirunelveli Outreach location of madurai PNB Housing Finance Limited 991/1A1, Castro Palace Back Side,
South Bye Road, New Bus Stand Back Side,
Tirunelveli - 627005
MANGALORE (Karnataka)PNB Housing Finance Limited Vasudev Complex, D No – 14 – 1 – 43/2(1),
2nd floor, Karangalpadi bunts hostel,
Mangalore – 575003,
Landmark – Above JP Lights
MANGALORE (Karnataka)PNB Housing Finance Limited 2nd floor, cabin 7 & 8,
kushe sadan, KR Rao road,
Near PVS Circle, Kodialbail,
Mangalore - 575003
MeerutPNB Housing Finance Ltd., Ist Floor, Pinacle Tower, Vaishali Corner, Garh Road, Meerut (U.P)
MumbaiPNB Housing Finance Limited, 1st Floor, Kapur House, Near Mahila Sangh Hanuman Road, Ville Parle(East),  Mumbai-400057
MumbaiHDFC Bank, Ground Floor, Maneckji Wadia Building, Nanik Motwani Marg, Near Kala Ghoda, opp Mumbai University, Fort Mumbai- 400 001 Mumbai 400001
Mumbai – GhatkoparPNB Housing Finance Limited, 201, Second Floor, Silver Point, LBS Marg, Ghatkopar (W), Mumbai – 400086
MUMBAI (Borivali)PNB Housing Finance Limited,
203 & 204-A, Second Floor Western Edge-I,
Near WE Highway, Magathane,
Borivali (E). Mumbai, Maharashtra – 400066
MUMBAI (Kalyan)PNB Housing Finance Limited,
Office no. 1, Third Floor, Swami Tirth,
Building No. 5, Shelar Park, Kalyan West, Maharashtra – 421301
Mumbai- PrabhadeviPNB Housing Finance Limited, Second Floor, Electric Mansion, Appasaheb Marathe Marg, Prabhadevi, Mumbai, Maharashtra- 400025
MYSORE (Karnataka)PNB Housing Finance Limited Ltd,2767/3, New No-83/3,
2nd Floor, Sri Raghavendra Mansion,
Kantharaju Urs Road, Saraswathi Puram,
Opp Saraswathi Theatre,
Mysore-570009
NagpurPNB Housing Finance Ltd., Apartment No. 301, 3rd Floor, Plot No. 1 & 2, Gupta House, Ravindranath Tagore Marg, Civil Lines, Nagpur-440001
NashikPNB Housing Finance Ltd. 201-202, Metro 99, Commercial Complex, College Road, Nashik – 422005
Navi MumbaiPNB Housing Finance Limited, 5th Floor, Flat No. 508-509, Persipolis Building, Sector -17, Vashi, Navi Mumbai-400703
NELLORE (Andhra Pradesh)PNB Housing Finance Limited 24-7-13/1,Magunta Layout,
Revenue Ward No. 24 – II,
Nellore - 524003
New DelhiPNB Housing Finance Limited, 8th Floor DCM Building 16, Barakhamba Road, C P New Delhi – 110001
NEW DELHI (Janakpuri)PNB Housing Finance Limited H. No. 36, Ground Floor Block B -1,
Janakpuri East Metro Station,
New Delhi- 110058,
Noida – Sector 18PNB Housing Finance Limited, F -4 18/19, Wave first Silver tower Plot No. 6, Block – D,SECTOR – 18, Noida-201301
Noida – Sector 63PNB Housing Finance Ltd., H-1A/10, First Floor, Sector-63, Noida- 201301
OdhavPNB Housing Finance Limited 221, Second Floor, Mangalam Arcade, Opp. Odhav Lake, Odhav BRTS Road, Odhav, Ahmedabad – 382415
PanjimHDFC Bank Ltd, WBO 2nd Floor, Metropolis – II, Opp. Vintage Hospital, St. Inez, Panjim, Goa – 403 001 Panjim 403001
PanvelPNB Housing Finance Limited,Office No. 6 (Part B), First Floor, Neel Empress CHSL, Plot No.92-93, Sector 1/S New Panvel, Navi Mumbai – 410206
PatnaHDFC Bank plot no 651 jamal rd patna Patna 800002
PuneSanriya Investment Advisors Pvt. Ltd., Kamdhenu, 2nd Floor, Opp. Prakash (MSEB Office) Bhavan, Next to Bank of Baroda, Near Chattushringi Temple, above Tribes India, Senapati Bapat Rd, Shivajinagar, Pune, Maharashtra 411016 Mobile No 9175193456 / 9175937626
Pune – JM RoadPNB Housing Finance Limited, 5 A,B,C,D Sheerang House, above standard Chartered Bank, Opp.Jangli Maharaj Temple, J M Road, Shivaji Nagar, Pune – 411005
Pune – PimpriPNB Housing Finance Ltd., Office No. 302, 3rd Floor, Gheewala complex, Station Road, Chinchwad, Pune
Pune- KharadiPNB Housing Finance Limited ,Third Floor, Ganlaxmi Complex, Survey no.08, Hadapsar Kharadi Bypass Road, Kharadi, Pune – 411014
Pune- KondhwaPNB Housing Finance Limited ,  560, Fifth Floor, Marvel Vista, S.no 599A=598+593A, Sahney Sujan Park, Lulla Nagar, Pune – 411040
Pune- WarjePNB Housing Finance Limited, 12, Spandhan, Survey No. 117/1, Popular Nagar, Warje, Pune – 411058
Pune-HinjewadiPNB Housing Finance Limited, 307, Third Floor, Suratwala Mark Plazzo, Hinjewadi, Pune -411057
RaipurPNB Housing Finance Limited,Office No. 111 , 112, First Floor, Plot No. 1, Block No. 9, D B Corporate Park, Rajbandha Maidan, Raipur
RajkotPNB Housing Finance Limited, 404-406, Fourth Floor, Kings Plaza, Astron Cinema Circle, Rajkot- 360001
RanchiHDFC Bank, 56 ROHINI COMPLEX CIRCULAR ROAD LALPUR RANCHI 834001 Ranchi 834001
RANCHI (Jharkhand)PNB Housing Finance Limited,Office No-604, 6th floor,
Eastern Mall, Dangra Toli chowk,
Lalpur, Ranchi-834001, Jharkhand
ROHTAK (HARYANA)PNB Housing Finance Limited,1st floor, F-236, Balmev Plaza, Model Town
Delhi Road, Rohtak -124001
ROHTAK (HARYANA) Outreach Location Of KarnalPNB Housing Finance Limited Ashoka Plaza,
Delhi Road,
Rohtak-124001
SALEM (Tamil Nadu)Pnb Housing Finance Ltd 104/7 Salem Productivity Council, L.I. Colony, Fairlands, Salem – 636004
SuratPNB Housing Finance Ltd. 305-308, Third Floor, Titanium Square, Adajan Char Rasta, Adajan, Surat – 395009
Tambaram (Tamil Nadu)Pnb Housing Finance Ltd.
Plot No 11, 2nd floor,
Door No 2A, venkatesan Street,
East Tambaram Chennai – 600059
ThanePNB Housing Finance Ltd., Ist Floor, Pushpamangal Complex, Building No. 1, Above Bank of Baroda, Near Babubai Petrol Pump, Old Agra Road, Thane West-400601
ThiruvananthapuramPNB Housing Finance Ltd., F1, KEK Tower, First Floor, Opp. To Trivandrum Development Authority, Vazhuthacaud, Trivandrum-695010
ThrissurPNB Housing Finance Limited, 2nd Floor Ambilikala Tower, South Amman Kovil Street, Kottapuram, Near Railway Over Bridge, Thrissur -680669
TrichyHDFC Bank, NO.11 PLA KANAGU TOWERS, 11 th Cross , Main Road, Thillainagar Trichy 620018
TRICHY (Tamil Nadu)PNB Housing Finance Limited New Number 6, old number 8,
2nd floor, Shastri road,
Srinivasa Puram, Near Mahatma Gandhi School,
Thennur, Trichy – 620017
TUTICORIN (Tamil Nadu)PNB Housing Finance Limited Jehovah Jireh Towers,
No 51/8D/3, 1st floor,
Tiruchendur Road, Muniyasamy Puram,
Tuticorin - 628003
UdaipurHDFC Bank Ltd., Durga Nursery Road-Udaipur, UDAIPUR -313001 Udaipur 313001
UJJAIN (MADHYA PRADESH) Outreach Location Of IndorePNB Housing Finance Limited Plot No- 201, 2nd Floor,
Adity Plaza Plot No-34,
35 Kamala Nehru Marg,
Ujjain- 456001
VadodaraPNB Housing Finance Ltd. 331, Third Floor, Trivia Complex, Race course Road, Natu Bhai Circle, Vadodara – 390007
VAPI (Gujarat) Outreach location of surat PNB Housing Finance Limited Office no-105, Heena Arcade,
Selvassa Road, GIDC,
Vapi-396195
VaranasiPNB Housing Finance Ltd., 2nd Floor, Tulsi Complex, C-19/134, M-B, Shastri Nagar, Sigra, Varanasi, U.P.
VijayawadaPNB Housing Finance Ltd. #39-3-1, 2nd floor, Above Anjenayelu Jewellers, MG Road, Vijayawada – 500010
Virar (West)PNB Housing Finance Limited 302, Third Floor, Riddhi Arcade, Y K Nagar NX-II, 100 Feet Narangi Bypass Road, Virar (West) Maharashtra – 401303
VishakhapatnamPNB Housing Finance Ltd. Savitha Edifice, 2nd floor, Sampath Vinayaka Temple Road, Above Allen Solly Showroom, Vishakhapatnam – 530003
WARANGAL(TELANGANA) Outreach Location Of HyderabadPNB HOUSING FINANCE LTD
Shop No 17-18, second floor,
ramnagar, hanomkonda,
Warangal – 506001
Who can invest?

The following are eligible to apply for a PNB Housing Fixed Deposits: Deposit can be made in joint name(s) with a maximum number of three persons

      • Resident Indian citizen
      • Hindu Undivided Family (HUF)
      • Sole Proprietorships
      • Partnership Firms,
      • Companies including group companies
      • Family trusts
      • Minors under natural/lawful guardian
      • Charitable and Religious Trusts,
      • Association of Persons,
      • Co- operative Societies (other than housing co–operative societies) incorporated in India.

Non-Resident Indians (NRIs), PIOs (on non-repatriation basis in accordance with RBI regulations) : Deposit from NRIs and Person of Indian Origin (PIOs) would be accepted on non-repatriation basis only, in accordance with RBI regulations governing the acceptance of deposits from NRIs. Deposit would be accepted for a maximum period of 3 years. Payment of interest as also the repayment of deposit shall be made only by credit to NRO account with banks. Income tax at source will be deducted as applicable to NRO deposit of NRIs/PIOs.

Documents Required for Fixed Deposit:

Investors need to submit the following documents to open a Fixed Deposit with PNB Housing. Existing FD investors of PNB Housing Fixed Deposits need not resubmit any documents, as this is a one-time process.
    1] Latest Photograph
    2] Certified KYC Documents:-
For Individual (Normal Public)
• Duly filled Application Form with a photograph
• Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
• Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Aadhaar Card, Any other Certificate from Statutory Authority)
For Hindu Undivided Family:
• Self-attested PAN card bearing the name of the HUF • Deed of declaration of HUF • Bank account statement / DEMAT statement in the name of the HUF • KYC documents for all adult members of HUF

For Trusts / Associations/Clubs/ Statutory Board/ Local authority:
• Trust Deed • Registration Certificate • Copy of Resolution of Investment • PAN Card copy • Address Proof • List of authorized signatories, Specimen Signature of Authorized Persons • Photograph, PAN Card, Address Proof of Signing Authorities.

For Partnership Firm
• Declaration of Partnership by Partners • List of authorized signatories with specimen signatures • PAN Card copy of Firm • Certificate of registration • Partnership deed • ID proofs of authorized signatories

For Proprietor Concern
• Name and Signatures of the Proprietor • PAN Card Copy of Proprietor

For Registered societies:
PAN • KYC documents • Copy of registration certificate under the Societies Registration Act • List of members of the managing committee • Committee resolution for persons authorized to act as authorized signatories, with their specimen signatures • True copy of society rules and by-laws, certified by the chairman or secretary.

Public or private limited company:
• PAN • KYC documents • Certificate of Incorporation • Memorandum and Articles of Association • Board resolution for opening the FD account • ID proofs of authorized signatories • List of authorized signatories with specimen signatures.

Terms & Conditions

Terms & Conditions
(i) Acceptance of Fixed Deposits: Deposits will be accepted from resident individuals, NRIs, PIOs (on non-repatriation basis in accordance with RBI regulations), minors under natural/lawful guardian, Partnership Firms, HUFs, Charitable and Religious Trusts, Association of Persons, Co- operative Societies (other than housing co–operative societies) Incorporated in India. Deposit can be made in joint name(s) with a maximum number of three persons.
(ii) Non-Resident Indians (NRIs): Deposit from NRIs and Person of Indian Origin (PIOs) would be accepted on non-repatriation basis only, in accordance with RBI regulations governing the acceptance of deposits from NRIs. Deposit would be accepted for a maximum period of 3 years. Payment of interest as also the repayment of deposit shall be made only by credit to NRO account with banks. Income tax at source will be deducted as applicable to NRO deposit of NRIs/PIOs.
(iii) Joint Deposits: Deposit can be made in the joint names with maximum of three person with or without requiring any of the applicants to be made any of the clauses namely “First Applicant, Anyone or Survivor(s)”. The interest on fixed deposit in joint names will be paid and in case of cumulative deposit will be deemed to accrue to the first named applicant and discharge given by him/her will be binding on the joint holders. Repayment of deposit will be made as per instructions given in the application form. Discharge by such person(s) will be binding on the joint holders.
(iv) Amount of Deposit: The minimum deposit amount is `25,000 under Monthly income scheme and `10,000 under rest of the deposit schemes.
(v) Mode of Acceptance: Application will be made in the prescribed form duly completed and accompanied by cheques/demand drafts/RTGS/NEFT drawn in favour of PNB Housing Finance Limited and crossed “Account Payee Only“.
(vi) Payment & Interest : Interest will be payable on the fixed deposit from the date of realisation of cheque or fund transfer to PNB Housing’s bank account. Interest on deposits placed under Non-Cumulative fixed deposit shall be paid on fixed dates as given below:

Scheme Interest Payment Date
Monthly Income Plan Last day of each month
Quarterly Income Plan June 30 , September 30 , December 31 and March 31
Half Yearly Plan September 30 and March 31
Annual Mar-31

In case of Non-Cumulative Deposits, if the first interest due date falls within a week from the deposit date, then the interest for the first broken period will be paid in the next interest cycle. In case the above mentioned dates are Sunday/holiday, then the Interest shall be payable on immediate next working day.

Cumulative Scheme: Interest will be compounded annually on 31 March of every year after deducting the tax, wherever applicable. The principal along with interest will be paid on maturity once the discharged deposit receipt is received by us.

Income tax will be deducted at source from interest in accordance with Section 194 A of the Income Tax Act, 1961, in case the interest payable during the financial year exceeds `5,000/- in aggregate. However, no deduction shall be made if the declaration in the form 15H/15G prescribed under the Income Tax rules is furnished at the beginning of each financial year by a person other than a company or a firm.

In case of cumulative deposit, for the purpose of deduction of Income Tax, interest will be deemed to accrue every year and tax will be deducted on the accrued interest in each financial year subject to para 4 above.

The applicant must mention PAN in the application form if the annual interest exceeds `5,000 per applicant. In case, PAN is not mentioned, the rate of TDS would be 20% as against 10% for cases where PAN is provided.

Interest on overdue deposit: Deposit will automatically expire on maturity. The company may at its discretion allow interest for the overdue period up to 3 months on interest rate as prevailing on the date of maturity of the deposit or present rate, whichever is lower. In case, the renewal is sought for a portion of overdue deposit the company may at its discretion allow Interest for the overdue period on that portion of deposit which is proposed to be renewed.

(vii) Nomination: Depositor(s) can, singly or jointly, nominate another person under this deposit scheme. The nominee shall be recognized as the holder of the title of the fixed deposit on death of all the depositors. Power of Attorney holder or a guardian applying on behalf of minor cannot nominate. Depositors are advised to provide the specimen signature of the nominee at the time of nomination to expedite the transmission of the deposits to the nominee in the event of demise of the depositors.

(viii) Deposit Receipt: The deposit receipt and interest warrants will be sent by post/courier by the company to the address given in the application form and the company shall not be held responsible for any loss or delay in transit. If the deposit receipt is not received by the depositor for any reason, the depositor should write to enquire with the company. In the event of loss/destruction/ mutilation of deposit receipt, relevant legal procedure as the required by the company has to be followed. The deposit receipt is not transferable. The company will not recognize any lien or assignment of the deposit or interest thereof.

(ix) Renewal/Auto Renewal:

      1. Deposit can be renewed by furnishing fresh application form along with discharged deposit receipt. The company can pay overdue Interest, at its sole discretion, provided deposit is renewed for a period till some future date.
      2. A depositor can opt for auto renewal of principal/renew principal and Interest/or pay, in entirety, the principal and interest to his/her designated bank account by giving an explicit consent in this regard before his/her signatures on the application form.
      3. On maturity for the second tenure (post first auto renewal) in the absence of any specific instruction from the depositor, the amount will be automatically remitted to the designated bank account of the depositor.

(x) Repayment/pre-mature payment / Premature Cancellation: Minimum lock-in period for all types of deposit shall be 3 months.

The interest rates for prepayment of deposits are as under:

      • After three months but before six months – The maximum interest payable shall be 4% per annum for individual depositors & no interest in case of other category of depositors.
      • After six months but before the date of maturity – The interest payable shall be 1% lower than the interest rate applicable to a public deposit for the period for which the deposit has run.
      • If no rate has been specified for the period for which the deposit has run – 2 % lower than the minimum rate at which the deposits are accepted.
      • In the absence of any specific maturity instructions, the maturity amount shall be remitted to the designated bank account of the depositor. The repayment of deposit shall be made by electronic mode or “Account Payee Cheque”.
      • Request for premature withdrawal may be permitted at the sole discretion of the company only and cannot be claimed as a matter of right by the depositor, subject to the Housing Finance Companies (NHB) Directions, 2010 as applicable from time to time.
      • The company at the request of the depositor may repay the deposit before maturity. Interest on premature repayment of deposit shall be paid as under:
Period completed from date of deposit Individuals Non-Individuals
a) Minimum lock in period: Provided that upon being satisfied, in order to meet certain expenses of an emergent nature, not more than 50% of the amount of principal sum or`5 lacs, whichever is lower, can be paid before the expiry of 3 months from the date of acceptance of deposit, without interest. Provided further, in cases of critical illness (as per IRDAI (Health Insurance) Regulations, 2016), 100% of the amount of principal sum can be repaid prematurely, without interest.  3 Months
 3 Months
(b) After three months but before six months 4% p.a. No Interest
(c) After six months but before the Date of Maturity For Individuals and Non – Individuals the interest payable shall be 1% lower than the interest rate applicable to a public deposit for the period for which the deposit has run.
(d) If no rate has been specified for the period for which the deposit has run 2% lower than the minimum rate at which the deposits are accepted.

The brokerage is paid upfront for the entire period of deposit to our authorized agent. In case of premature withdrawal the brokerage is payable for the period Completed and excess brokerage paid will be recovered from the deposit amount.

(xi) For Authorized Agents: Agents are not authorized to accept cash or issue receipt on behalf of the company. They must ensure that agent name and code number is clearly mentioned in the application form to enable payment of brokerage. Brokerage will be paid to registered agents at rate decided by the management as per NHB directions.

(xii) Know Your Customer (KYC) Compliance: In terms of the Prevention of Money Laundering Act, 2002, the rules notified there under and KYC guidelines issued by the National Housing Bank (NHB), every individual depositor is required to comply with the KYC requirements by submitting the following documents: a) Latest photograph b) Certified copy of proof of identity (mentioned in application form) c) Certified copy of proof of address. For non-individual depositor please refer list of documents to be submitted by various categories.

(xiii) Loan Against Deposits: Loans may be granted against public deposits up to 75% of the principal deposit amount carrying Interest @2% per annum above the deposit Interest Rate and other additional charges applicable on such deposit, provided the deposit has run for a minimum period of three months. On maturity the outstanding loan together with interest shall be settled in one lump sum by the depositor or shall be adjusted on maturity of the deposit. However, the granting of the loan will be at the sole discretion of the company.

(xiv) General: Deposits from minor(s) will be accepted through natural/lawful guardian(s). In the event of death of the depositor at any time before the date of maturity of the deposit, the deposit shall be repaid prematurely to the surviving depositor(s) in the case of joint holding with survivor clause or to the nominee or legal heir(s) with interest at the contracted rate up to the date of repayment on the request of the surviving depositor/nominee/legal heir against submission of proof of death.

In case of any deficiency in servicing the deposits by the company, the depositor may approach the National Consumers Disputes Redressal Forum, the State Level Consumers Disputes Redressal Forum other District Level Consumer Forum for relief.

That the financial position of the company as disclosed and representations made in the application form are true and correct and that the company and its Board of Directors are responsible for the correctness and veracity thereof. The company’s public deposits are regulated by National Housing Bank (NHB). It must, however be distinctly understood that NHB does not undertake any responsibility for the financial soundness of the company for the correctness of any of the statements or representations made or opinion expressed by the company and for repayment of deposit/discharge of liabilities by the company.

In case of non-repayment of the deposit or part thereof in accordance with the term and condition of the public deposit, the depositor may make an application to an authorized officer of the National Housing Bank (NHB).

There are no dues from companies in the same group or other entities or business ventures in which the directors and/or company is holding substantial interest.

Profits & Dividend

Years Ended on MarchProfit Before Tax (in Crs)Profit After Tax (Crs)Dividend %
20181279.08830.65*90% (proposed)
2017804.01523.7360%
2016503.09326.4734%
2015295.77196.1030%
2014175.74127.4430%

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agents-brokers-advisors-ifa-distributor KOTTAYAM (KERALA) Cochin”, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor KOZHIKODE (Kerala)”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Lucknow, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor lucknow – ALLAHABAD (Lucknow) lucknow”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Ludhiana, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Madurai, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor madurai – Tirunelveli madurai, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor MANGALORE (Karnataka)”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Meerut, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Mumbai, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Mumbai – Ghatkopar, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor MUMBAI (Borivali)”, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor MUMBAI (Kalyan)”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Mumbai- Prabhadevi, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor MYSORE (Karnataka)”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Nagpur, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Nashik, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Navi Mumbai, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor NELLORE (Andhra Pradesh)”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor New Delhi, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor NEW DELHI (Janakpuri)”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Noida – Sector 18, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Noida – Sector 63, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Odhav, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Panjim, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Panvel, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Patna, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Pune, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Pune – JM Road, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Pune – Pimpri, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Pune- Kharadi, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Pune- Kondhwa, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Pune- Warje, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Pune-Hinjewadi, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Raipur, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Rajkot, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Ranchi, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor RANCHI (Jharkhand)”, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor ROHTAK (HARYANA)”, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor ROHTAK (HARYANA) Karnal”, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor SALEM (Tamil Nadu)”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Surat, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Tambaram (Tamil Nadu)”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Thane, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Thiruvananthapuram, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Thrissur, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Trichy, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor TRICHY (Tamil Nadu)”, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor TUTICORIN (Tamil Nadu)”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Udaipur, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor UJJAIN (MADHYA PRADESH) Indore”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Vadodara, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor VAPI (Gujarat) surat”, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Varanasi, PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Vijayawada, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor Virar (West)”, “PNB Housing Finance FD agents-brokers-advisors-ifa-distributor WARANGAL(TELANGANA) Hyderabad”