Examining PNB Housing Finance Fixed Deposits for Stable Returns


When it comes to Fixed Deposits (FDs), PNB Housing Finance goes beyond the standard offerings. Its safety ratings, flexible investment horizons, and competitive interest rates are all designed to maximise your returns. The NBFC provides a secure investment avenue for individuals seeking stability and growth. 


Learn more about this in the following sections.

FD Interest Rates Offered by PNB Housing Finance


Here’s a look at the FD rates offered by the issuer:


Tenor Range

Minimum Deposit Amount

General Public (p.a.)

Senior Citizen (p.a.)

12 months – 120 months

₹10,000

7.00% - 7.85%

7.30% - 8.05%

Disclaimer: The mentioned rates are subject to change at the NBFC’s discretion. Please refer to the official website for more details.

Benefits of Choosing PNB Housing Finance FDs

The following are some benefits of opting for PNB Housing Finance FDs: 

High Safety: With ratings of AA+/Stable by CARE and AA/Positive by CRISIL, PNB Housing Finance is one of the safest NBFCs in India. Your principal investment remains protected, offering invaluable peace of mind in a dynamic financial environment.

Tailored Investment Horizons: PNB Housing Finance FDs offer tenors ranging from 1 year to 10 years. Align your investment with your financial goals, whether it's short-term savings or long-term planning for retirement or a child's education.

FDs with Monthly Interest Payout: PNB Housing Finance also offers FDs with the option of monthly interest payouts, providing investors with regular income streams to meet their financial needs. This feature is particularly beneficial for individuals looking for a steady cash flow to cover monthly expenses or supplement their income.

Maximise Returns: PNB Housing Finance FD interest rates range between 7.00% p.a. and 8.05% p.a. These rates could make a significant difference in growing your savings, especially for those nearing retirement or relying on fixed-income investments. 

Enhanced Benefits for Seniors: The NBFC offers additional interest rates to senior citizens for certain tenors to enhance their returns. These range from 0.20% p.a. to 0.30% p.a. This could provide a valuable boost for their retirement savings, ensuring financial security during their golden years.

Access When Needed: PNB Housing Finance FDs offers a loan facility for up to 75% of your deposit. This allows you to access funds in emergencies without disrupting your long-term investment plan. By utilising the loan facility instead of a premature withdrawal, you can maintain the growth potential of your investment while addressing immediate financial needs.

Auto-renewal Facility: Enjoy convenient investing with the auto-renewal feature. You can choose to automatically renew your FD at maturity, eliminating the need for manual intervention each year. This is ideal for those who prefer a hands-off approach to managing their investments.

If you are on the lookout for the safest banks in India, consider FDs offered by PNB Housing Finance. When browsing FDs, prioritise safety ratings, tenor flexibility, and competitive interest rates. Such a well-thought out investment could be a valuable addition to your portfolio. 

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