उत्पाद विवरण
बैंक का नाम
Punjab National Bank
Eligibility
Individuals, sole proprietorship, partnership firm, association, trust, Ltd. Company.
ब्याज दर
6.25 to 7.25% per annum.
कार्यकाल
6 months to 120 months.
सावधि जमा प्रकार
Regular
PNB Anupam Term Deposit Scheme
कर लाभ
No
साख दर
IND AAA, ICRA AAA
ब्याज भुगतान आवृत्ति
Quarterly. Typically for fixed deposits having interest payment at maturity, compound interest is applicable and for fixed deposits having monthly interest payment, simple interest is applicable. Typically fixed deposits having a tenure of one year or less, simple interest is applicable. It is best to consult the bank officials before you book a fixed deposit.
संचयी/गैर-संचयी
Cumulative
विशेषताएँ
Minimum deposit amount of Rs.10,000.
Maximum deposit amount of Rs.1,99,99,000.
Deposit period ranging from 6 months to 120 months.
Overdraft/Loan against deposit is available.
More Term deposits can be accepted in the same Anupam account on obtaining a letter of request and the limit in the overdraft account will be increased accordingly against the additional deposit.
न्यूनतम निवेश राशि
10,000
फीस और शुल्क
Pros
Interest is compounded quarterly.
You can avail an overdraft against the FD.
Additional term deposits can be accepted in ongoing account and the limit of overdrafts can be increased accordingly.
दोष
No tax saving options.
Minimum deposit amount of Rs. 10,000.
पक्ष विपक्ष
खाता खोलने की प्रक्रिया और प्रक्रिया
कैसे खोलें?
Online:
Visit the PNB website: Go to https://www.netpnb.com/
Log in to your PNB account: Enter your user ID and password.
Look for the "Fixed Deposits" section: This is usually under "Deposits" or "Products."
Choose the FD option: Select the type of FD you want to open (e.g., regular, cumulative, step-up).
Enter details: Fill in the required information, such as deposit amount, tenure, interest payout frequency, and nominee details.
Submit the application: Review your details and submit the application online.
In-Branch:
Visit a PNB branch: Find a branch near you using their branch locator.
Gather necessary documents: Bring along your identification proof (Aadhaar card, PAN card), address proof, and income proof (if required).
Fill out the application form: Complete the FD application form provided by the bank.
Submit documents and deposit funds: Hand over the completed form, documents, and the desired deposit amount to the bank representative.
Application Procedure
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