PNB HOUSING FINANCE LIMITED
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Company Overview : PNB Housing Finance Limited is a Non-Banking Financial Company Incorporated in the Year 1988, Providing long term Housing Finance for construction / purchase / repair & renovation of residential housed / flats to individual (resident and NRIs) and corporate.
- In addition, it offers loan schemes, such as loan against properties and loan for commercial properties.
- Company is not having any subsidiary. The company has more than 30 branches located all over India.
Rating : FAA+ by CRISIL, which means high safety regarding timely payment of interest and principal.
Minimum Deposit : Minimum amount of deposits for cumulative deposit scheme is Rs. 20,000/- and for non-cumulative scheme is Rs.20,000/-
Rate of Interest :
| Regular Deposit upto 5 crore |
| Tenure (Months) |
Cumulative Option* ROI (p.a.) |
Non-Cumulative Option ROI (p.a.) |
| |
ROI |
Tentative yield to maturity |
Monthly |
Quarterly |
Half Yearly |
Annual |
| 12 - 23 |
8.30% |
8.30% |
8.00% |
8.05% |
8.10% |
8.30% |
| 24 - 35 |
8.30% |
8.64% |
8.00% |
8.05% |
8.10% |
8.30% |
| 36 - 47 |
8.40%
|
9.13% |
8.10% |
8.15% |
8.20% |
8.40% |
| 48 - 59 |
8.40% |
9.52% |
8.10% |
8.15% |
8.20% |
8.40% |
| 60 - 71 |
8.45% |
10.00% |
8.15% |
8.20% |
8.25% |
8.45% |
| 72 - 84 |
8.30% |
10.23% |
8.00% |
8.05% |
8.10% |
8.30% |
| 120 |
8.25% |
12.09% |
7.95% |
8.00% |
8.05% |
8.25% |
* For cumulative option, interest rate is compounded annually on March 31*
* The tentative yield to maturity is mentioned for the lowest tenure of the specific grid.
* In a scenario where the customer chooses for special tenure ROI applicable for special deposit tenures would apply (not the regular deposit tenure rates).
Rate of Interest :
| Special Deposit upto 5 crore |
| Tenure (Months) |
Cumulative Option* ROI (p.a.) |
Non-Cumulative Option ROI (p.a.) |
| |
ROI |
Tentative yield to maturity |
Monthly |
Quarterly |
Half Yearly |
Annual |
| 15 |
8.30% |
8.42% |
8.00% |
8.05% |
8.10% |
8.30% |
| 22 |
8.35% |
8.62% |
8.05% |
8.10% |
8.15% |
8.35% |
| 30 |
8.30% |
8.84% |
8.00% |
8.05% |
8.10% |
8.30% |
| 44 |
8.45% |
9.45% |
8.15% |
8.20% |
8.25% |
8.45% |
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Minimum Deposit
Amount
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Rs.10,000 |
Rs. 25,000 |
Rs.10,000 |
Rs.10,000 |
Rs. 10,000 |
* For cumulative option, interest rate is compounded annually on March 31st
- Above rates are applicable upto `5 Crore for deposits
- Senior citizens (above 60 years) will be eligible for 0.25% additional Rate of Interest
- Senior citizen rates are applicable for deposits upto `1 Crore only
- Rates effective from 8 October, 2018
- Rating: CRISIL ‘FAAA/Stable’ & CARE ‘AAA’, indicates highest level of safety
Minimum Deposit Minimum amount of deposits for cumulative deposit scheme is Rs. 20,000/- and for non-cumulative half yearly scheme is Rs.20,000/-
0.25% extra interest rate applicable on deposits from senior citizens and staff of PNB Housing Finance Limited.
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