उत्पाद विवरण
बैंक का नाम
Punjab National Bank
Eligibility
Individuals (singly or jointly) with others
Minor who have attained the age of 10 years and above in his own name on giving proof of age
Proprietorship/Partnership Firm, Commercial Organization, Company /Corporate Body
HINDU Undivided Family
Association, Club, a Society, Trust or Religious/Charitable or Educational Institutions
Municipality or Panchayat, Government or Quasi-Government Body.
Illiterate and blind persons can also open the account.
ब्याज दर
5.55 to 7.30% per annum.
कार्यकाल
91 days to 120 months.
सावधि जमा प्रकार
Non- Callable
PNB UTTAM TERM DEPOSIT SCHEME (NON-CALLABLE DEPOSIT SCHEME OFFERING PREFERENTIAL RATE)
कर लाभ
No
साख दर
IND AAA, ICRA AAA
ब्याज भुगतान आवृत्ति
monthly, quarterly, half-yearly, yearly or at 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
Flexibility in interest credit frequency on a monthly, quarterly, half-yearly, annually or at-maturity.
Flexible tenure as per convenience.
Premature withdrawal is not allowed.
Overdraft facility is available.
न्यूनतम निवेश राशि
15 lakh
फीस और शुल्क
Pros
Flexibility in interest credit frequency on a monthly, quarterly, half-yearly, annually or at-maturity.
Overdraft facility is available.
Maximum deposit amount of Rs 10 crore.
दोष
A minimum deposit of Rs 15 lakhs is required.
No tax saving options.
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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