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PNB Housing Finance – FD Rates

CRISIL: AA+/StableCARE: AA+/Stable

This institution last updated its deposit rates on 01-Jan-26.

DICGC Insurance: NIL
FD Rank: #33 of 59 banks
TENUREGeneralSenior
12 Months to 23 Months
6.60%
6.85%
24 Months to 35 Months
6.75%
7.00%
36 Months to 47 Months
6.90%Best
7.15%Best
48 Months to 59 Months
6.90%
7.15%
5 Years
6.90%
7.15%
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies

Compare with other banks

Current
P

PNB Housing

6.90%36 - 47 months
Check all NBFCs
P

Punjab & Sind

6.85%666 days
Check all public banks
D

DCB

7.50%24 - 25 months
Check all private banks
Top SFB Rate
U

Utkarsh

8.10%666 days
Check all SFBs
D

Deutsche

7.00%1 - 1.5 years
Check all Foreign banks
P

Post Office

7.50%5 years
Check Post Office

About PNB Housing Finance

Bank Overview

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

Credit Ratings

CRISILAA+/Stable
CAREAA+/Stable
ICRAUnrated
India RatingsUnrated

Frequently Asked Questions

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

As of July 2026, PNB Housing Finance offers a highest interest rate of 6.90% p.a. for general citizens and 7.15% p.a. for senior citizens on fixed deposits.

PNB Housing Finance is a Non-Banking Financial Company (NBFC). NBFC deposits are generally rated by credit agencies but are NOT covered by DICGC insurance. Always check the credit rating before investing.

The minimum tenure for a fixed deposit with PNB Housing Finance starts from 12 Months. Longer tenures may offer higher interest rates.

Yes, PNB Housing Finance offers an additional benefit of up to 0.25% p.a. over the general citizen rate for senior citizens (aged 60 and above).

Yes, interest earned on fixed deposits is taxable as per your income tax slab. TDS is deducted at 10% if total interest exceeds ₹40,000 per year (₹50,000 for senior citizens). You can submit Form 15G/15H to avoid TDS if your total income is below the taxable limit.

Yes, PNB Housing Finance currently offers special FD rates on select tenures that are higher than the regular rates. These are typically limited-period offers and subject to change.