उत्पाद विवरण
बैंक का नाम
Punjab National Bank
Eligibility
Individual (singly or jointly) with others.
Minor who have attained the age of 10 years and above in his/her own name on giving proof of age.
Minors below the age of 10 years under guardianship of a Natural/legal guardian.
In this names of entities other than Individuals such as firms, clubs, asociations, trusts, educational institutions, Municipal Corporations, Panchayat, Govt. and quasi-Govt.bodies, Co-operative societies, religious or charitable institutions, HUFs and Corporate etc.
ब्याज दर
6.25 to 7.25% per annum.
कार्यकाल
6 months to 60 months.
सावधि जमा प्रकार
Recurring
PNB Systematic Deposit Plan
कर लाभ
No
साख दर
IND AAA, ICRA AAA
ब्याज भुगतान आवृत्ति
Half-yearly. 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.100.
The maximum deposit amount must not be more than 10 times the core amount.
Loan/overdraft against deposit is available.
न्यूनतम निवेश राशि
100
फीस और शुल्क
Pros
Minimum deposit amount of Rs.100.
Cumulative rate of interest.
Loan/overdraft against deposit is available
दोष
Only half-yearly interest payout option.
Maximum tenure of 5 years only.
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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