उत्पाद विवरण
बैंक का नाम
Punjab National Bank
Eligibility
Individuals, including illiterate, blind persons and joint accounts.
The joint holder deposit receipt may be issued jointly to two adults or jointly to an adult and a minor, and payable to either of the holders or to the survivor. However, in the case of joint holder deposit, the deduction from income under section 80C of the Act shall be available only to the first holder of the deposit.
Hindu Undivided Family (HUF)
ब्याज दर
6.50% per annum.
कार्यकाल
5 years to 10 years.
सावधि जमा प्रकार
Tax Saver
PNB TAX SHIELD
कर लाभ
Yes, tax exemption under Section 80C of the Income Tax Act, 1961.
साख दर
IND AAA, ICRA AAA
ब्याज भुगतान आवृत्ति
Interest shall be payable monthly (at a discounted rate), quarterly (at a simple rate), half-yearly and yearly intervals (quarterly compounding). Interest can also be paid at the time of maturity. 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
Both
विशेषताएँ
Tax exemption under section 80C of the Income Tax Act, 1961.
Flexible interest pay-out options: Monthly, Quarterly or Cumulative.
Minimum deposit of Rs 100 and a maximum of 1,50,000 per financial year for a 5-year lock-in period.
The lock-in period of 5 years.
No loans or advances against these deposits are allowed during the lock-in period.
Premature withdrawal is not allowed.
न्यूनतम निवेश राशि
100
फीस और शुल्क
Pros
Tax saving benefits.
Flexible interest payout options.
Good credit rating.
दोष
The maximum tenure of this scheme is 5 years.
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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