PNBHFL provides safe investment options to various deposit schemes with attractive rate of interest. With over two decades of specialized experience in housing finance, PNBHFL has a robust network of branches spread across the country which help it customers avail financial services (loans and deposits) seamlessly.

Advantages of PNBHFL fixed deposits

  • High Safety Assurance: FAAA rating by CRISIL
  • No tax to be deducted at source on interest income upto Rs.5000 per financial year
  • Loan facility up to 75% of deposit available from all branches of PNBHFL and PNB
  • Encashment of cheques in respect of interest and repayment of deposits AT PAR by selected branches of PNB
  • Premature cancellation allowed after 3 months on the discretion of the company
  • Nomination facility available as per NHB guidelines

Acceptance of deposit is subject to the terms and conditions as contained in the application form.

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Rate of Interest

Interest Payment
Tentative Yield
12 & 24 9.50% 9.50% 9.73% & 10.20%
36 9.55% 9.55% 10.77%
48 & 60 9.50% 9.50% 11.24% & 11.81%
72, 84 & 120 9.50% 9.50% 12.42%, 13.07% & 15.30%
Minimum Amount Rs. 20,000/- Rs. 20,000/-  
  • Senior citizens (above 60 years) will be eligible for 0.25% additional rate of interest.
  • Above rates are applicable upto Rs. 10 Crore of Deposits .
  • Senior citizen rates are applicable for deposits upto Rs.1 Crore only.


*The above Rates of Interest are subject to change at the sole discretion of PNBHFL.



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Documents Required

  • 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, Any other Certificate from Statutory Authority)

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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.

The brokerage is paid upfront for the entire period of deposits to company's authorised 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.

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Terms & Conditions

pdf Terms And Conditions

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