Deposit Interest Rates
Domestic & NRI Saving Account Interest Rates : (W.E.F. 1st September 2020)
| Rate Of Interest | |
|---|---|
| Savings Fund Account Balance upto Rs. 50 Lac | 3.00% p.a. |
| Savings Fund Account Balance of above Rs. 50 Lac | 3.00% p.a. |
Rate Of Interest On Single Domestic / NRO / NRE Term Deposits (TD) Up To Rs.10 Cr. (Callable)
| Domestic/NRO $ TD Less Than Rs.2 Cr. W.E.F. 01.07.2020 |
Domestic/NRO $ TD Rs. 2 Cr To Rs. 10 Cr.# W.E.F. 01.09.2020 |
NRE TD $ Less Than Rs.2 Cr. W.E.F. 01.07.2020 |
NRE TD $ Rs.2 Cr. To Rs. 10 Cr. W.E.F. 01.09.2020 |
PNB Tax Saver FD | |||||
|---|---|---|---|---|---|---|---|---|---|
| Sl. No | Period | ROI (% p.a.) | A.Y.* | For Senior Citizen ROI (% p.a.)** | ROI (% p.a.) | A.Y.* | ROI (% p.a.) | ROI (% p.a.) | ROI (% p.a.) |
| 1 | 7 to 14 days | 3.00 | 3.00 | 3.75 | 3.00 | 3.00 | NA | NA | NA |
| 2 | 15 to 29days | 3.00 | 3.00 | 3.75 | 3.00 | 3.00 | NA | NA | NA |
| 3 | 30 to 45 days | 3.00 | 3.00 | 3.75 | 3.00 | 3.00 | NA | NA | NA |
| 4 | 46 to 90 days | 3.25 | 3.25 | 4.00 | 3.00 | 3.00 | NA | NA | NA |
| 5 | 91 to 179 days | 4.00 | 4.00 | 4.75 | 3.00 | 3.00 | NA | NA | NA |
| 6 | 180 days to 270 Days | 4.40 | 4.42 | 5.15 | 3.10 | 3.11 | NA | NA | NA |
| 7 | 271 days to less than 1 year | 4.50 | 4.55 | 5.25 | 3.10 | 3.12 | NA | NA | NA |
| 8 | 1 year | 5.25 | 5.35 | 6.00 | 3.10 | 3.14 | 5.25 | 3.10 | NA |
| 9 | above 1 year & upto 2 years | 5.25 | 5.35 | 6.00 | 3.00 | 3.03 | 5.25 | 3.00 | NA |
| 10 | above 2 year & upto 3 years | 5.25 | 5.50 | 6.00 | 3.00 | 3.08 | 5.25 | 3.00 | Public (General)- 5.30 (for 5 years) 5.30 ( for above 5years to 10 years)
Sr. Citizen (General)- 5.80 (for 5 years) 5.80 ( for above 5years to 10 years) Staff member- 6.30 (for 5 years) 6.30 ( for above 5years to 10 years) Retired Staff (Sr. Citizen)- 6.30 (for 5 years) 6.30 ( for above 5years to 10 years) |
| 11 | above 3 year & upto 5 years | 5.30 | 5.70 | 6.05 | 3.00 | 3.13 | 5.30 | 3.00 | |
| 12 | above 5 years & upto 10 years | 5.30 | 6.02 | 6.05 | 3.00 | 3.22 | 5.30 | 3.00 | |
“PNB UTTAM FIXED DEPOSIT SCHEME” (Non-Callable) @ With Effect From 01.09.2020 (For Deposit Above 15 Lakh)
| Domestic TD More Than Rs 15 Lakh To Less Than Rs.2cr W.E.F. 01.07.2020 | Domestic TD Rs.2 Cr. To Rs 10 Cr. W.E.F. 01.09.2020 | |||
|---|---|---|---|---|
| Period | ROI (% p.a.) | A.Y.* | ROI (% p.a.) | A.Y.* |
| 91 to 179 days | 4.05 | 4.05 | 3.05 | 3.05 |
| 180 days to 270 Days | 4.45 | 4.47 | 3.15 | 3.16 |
| 271 days to less than 1 year | 4.55 | 4.60 | 3.15 | 3.17 |
| 1 year | 5.30 | 5.41 | 3.15 | 3.19 |
| above 1 year & upto 2 years | 5.30 | 5.41 | 3.05 | 3.09 |
| above 2 year & upto 3 years | 5.30 | 5.55 | 3.05 | 3.13 |
| above 3 year & upto 5 years | 5.35 | 5.76 | 3.05 | 3.18 |
| above 5 years & upto 10 years | 5.35 | 6.09 | 3.05 | 3.28 |
Gold Monetization Scheme (GMS)
| Period | Rate of Interest PA |
| Short Term Bank Deposit (STBD) | |
| 1 year | 0.50% |
| Above 1 year up to 2 years | 0.60% |
| Above 2 years up to 3 years | 0.75% |
| Medium and Long Term Government Deposit (MLTGD) | |
| Medium Term Government Deposit | 2.25% |
| Long Term Government Deposit | 2.50% |
BASE RATE (BR) – 9.25 % ( W.E.F 01.06.2018)
Housing Finance To Individuals Including NRIs / Flexible Housing Scheme @
| S.No. | Scheme | |
|---|---|---|
| A. | Under Floating Rate Option | BR |
| B. | Under Fixed Rate Option | BR+0.50% |
| C. | OD Facility to Existing Housing Loan Borrowers | BR+0.50% |
Loan Against Mortgage Of Immovable Property
| Less Than 3 Yrs |
|---|
| BR+1.65% to BR+5.40% depending on Risk Rating /PNB Score |
For Term Loans repayable in 3 years & above, Term premium of 0.50% shall be added.
Concession in Rate of interest will be given on the basis of realizable value of Immovable property offered as security as given hereunder
| Available Realizable Value Of IP Concession In ROI | Concession In ROI |
|---|---|
| Above 200% & upto 250% of loan amount | 0.25% |
| Above 250% & upto 300% of loan amount | 0.50% |
| Above 300% of loan amount | 0.75%% |
Car Loan@
| Base Rate System | ||
|---|---|---|
| Parameter | Repayment Period | Interest Rate |
| a. floating rate of interest option: | ||
| To individuals/ corporate where PNB Score is 60 &above OR where collateral security is available upto 100% orabove in the form of Mortgage of Immovable Property (IP)&/or liquid security for PROSPECTIVE BORROWERS. | Up to 7 years | BR+0.25% |
| to women borrowers | Up to 7 years | BR+0.15% |
| others | Less than 3 | BR+0.50% |
| 3 years & above | BR+0.50% | |
| fixed rate of interest option: | ||
| ALL | Up to 7 years | BR+0.40%, (Fixed with a reset clause of 3 years)*. |
Two-Wheeler Loans (PNB SARTHI) @
| Less Than 3 Yrs | 3 Yrs & Above | |
|---|---|---|
| Salary is being disbursed through the concerned branch and/or under check-off facility | BR+3.00% | BR+3.00%+TP |
| Other including Business concern | BR+4.00% | BR+4.00%+TP |
Two-Wheeler Loan To Women (PNB Power Ride) BR+1.50%
Personal Loan@
| Rate Of Interest: | |
|---|---|
For Loans Up To Rs.10 Lac:Individuals, whose salary is being disbursed through our branches only (including Defence Personnel) |
Base Rate+3% |
For Loans Up To Rs.5 Lac:Individuals who are availing the loan under check-off facility (including Defence Personnel) |
Base Rate +5% |
| For others up to Rs.5 lac | Base Rate +6% |
Education Loan
PNB Saraswati & Pnb Kaushal & Pnb Udaan
| Amount Of Loan | Rate Of Interest |
|---|---|
| Loans upto Rs 4 lac | BR+2.00% |
| Loans over Rs 4 lac & upto Rs 7.50 lac | BR+3.00% |
| Loans over Rs.7.50 lac (where 100% tangible collateral security in the shape of IP, enforceable under SARFAESI Act, and/or liquidsecurity is available) | BR+1.00%* |
| Loans over Rs 7.50 lac Other cases | BR+2.50% |
| Loan for pursuing education from premier foreign Universities and educational Institutes(201) under PNB UDAAN | BR |
*w.e.f. 01.06.2015, BR+1.00% ROI to be charged for all education loans,irrespective of amount, where 100% tangible collateral security in the shape of IP, enforceable under Sarfeasi act, and/or liquid security is available.
PNB Pratibha
| Amount Of Loan | |
|---|---|
| Loans up to Rs 20 lac | BR |
PNB Honhaar (Education Loan Scheme Delhi Government)
| Loans up to Rs 10 lac | BR+2% |
Advance Against Jewellery & Ornaments
| Productive Purposes for Agriculture UPTO Rs. 10 Lacs | BR+1.50% |
| Productive Purposes (other than agriculture) | BR+2.50% |
| Non-productive purposes Public (Ceiling Rs.10.00 lacs) | BR+2.50% |
| Staff (Non-productive purposes) | BR+2.50% |
PNB BAGHBAN (Reverse Mortgage Scheme)
| Reverse Mortgage Scheme for Senior Citizens | BR+2.50% |
| (Fixed, subject to re-set clause of 05 years) |
FIXED DEPOSITS INTEREST RATE
PNB Housing FD interest rates are summarized below:
Rate change is effective from 10.09.2020
| Fixed Deposit Interest Rates (upto ₹5 crore) | ||||||
| Tenure (Months) | Cumulative Option* ROI (p.a.) | Non-Cumulative Option ROI (p.a.) | ||||
|---|---|---|---|---|---|---|
| ROI (p.a.) | Tentative yield to maturity | Monthly | Quarterly | Half Yearly | Annual | |
| 12 – 23 | 6.20% | 6.20% | 6.03% | 6.06% | 6.11% | 6.20% |
| 24 – 35 | 6.45% | 6.66% | 6.27% | 6.30% | 6.35% | 6.45% |
| 36 – 47 | 6.60% | 7.05% | 6.41% | 6.44% | 6.49% | 6.60% |
| 48 – 59 | 6.60% | 7.28% | 6.41% | 6.44% | 6.49% | 6.60% |
| 60 -71 | 6.70% | 7.66% | 6.50% | 6.54% | 6.59% | 6.70% |
| 72 – 84 | 6.70% | 7.93% | 6.50% | 6.54% | 6.59% | 6.70% |
| 120 | 6.70% | 9.13% | 6.50% | 6.54% | 6.59%6 | 6.70% |
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