उत्पाद विवरण
बैंक का नाम
Punjab National Bank
Eligibility
55 & 55+ Individuals (singly or jointly) with others. In case of joint deposit, the prospective Senior Citizen has to be first holder of the term deposit.
55 & 55+ Illiterate and blind persons can also open the account.
The Scheme shall be applicable for the age of 55 years and above and up to 60 years.
At the time of opening of a term deposit account under the scheme, the Branch shall verify the age by submission of any documents as required by the bank.
ब्याज दर
6.50 to 7.25% per annum.
कार्यकाल
1 to 10 years.
सावधि जमा प्रकार
Senior Citizen
PNB PRANAM FIXED DEPOSIT SCHEME
कर लाभ
No
साख दर
IND AAA, ICRA AAA
ब्याज भुगतान आवृत्ति
Interest shall be payable monthly (at a discounted rate), and quarterly (at a simple rate), Interest can also be paid at the time of maturity with quarterly compounding.
संचयी/गैर-संचयी
Both
विशेषताएँ
This scheme is specially designed for senior citizens.
Flexible interest pay-out options: Monthly, Quarterly or Cumulative.
Deposits for Rs.10,000 and above, on written request shall be eligible for Demand Loan /overdraft facility.
Minimum deposit amount of Rs.100.
Maximum deposit amount of Rs.1,99,99,999.
Additional concessions for senior citizens shall only be applicable once the age of 60 is achieved.
न्यूनतम निवेश राशि
100
फीस और शुल्क
Pros
Specially designed for senior citizens.
Flexible interest pay-out options: Monthly, Quarterly or Cumulative.
Maximum amount of up to 1,99,99,999.
दोष
No tax saving benefits.
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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