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PNB Housing Finance

CRISIL: AA+/StableCARE: AAA/Stable

Bank Overview

Type
NBFC
Headquarters
New Delhi
Founded
1988
Branches
–
DICGC Coverage
Not Covered

Credit Ratings

CRISIL
AA+/StableStrong
CARE
AAA/StableStrong
ICRA
Unrated
India Ratings
Unrated

Fixed Deposit (FD) Interest Rates

TENUREGeneralSenior
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies

Frequently Asked Questions

Quick answers to the most common questions about PNB Housing Finance accounts.

As of August 2026, PNB Housing Finance offers up to 7.25% p.a. on Fixed Deposits and up to 0.00% p.a. on Savings Accounts based on the balance slabs maintained.

PNB Housing Finance is an NBFC. NBFC deposits are NOT covered by DICGC insurance but are rated by credit agencies like CRISIL/CARE/ICRA.

The minimum tenure for a fixed deposit with PNB Housing Finance starts from 12 Months. Senior citizens receive an additional interest rate benefit of up to 0.25% p.a. over general citizen rates.

Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.