PNB Housing Finance Limited Fixed Deposit interest rates · November 2026
What will my FD earn at PNB Housing?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
12 to 23 months |
6.80% | 6.85% | Up to ₹5 crore | unavailable ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
24 to 35 months |
7.00% | 7.00% | Up to ₹5 crore | unavailable ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
36 to 47 months |
7.25% | 7.15% | Up to ₹5 crore | unavailable ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
48 to 59 months |
7.25% | 7.15% | Up to ₹5 crore | unavailable ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
60 months |
7.40% | 7.15% | Up to ₹5 crore | unavailable ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
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PNB Housing FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank.
FD rates by tenure
1 year
6.80%- Cumulative option (interest compounded annually). Non-cumulative payout rates: monthly 6.60%, quarterly 6.63%, half-yearly 6.69%, yearly 6.80%.
- Cumulative option (interest compounded annually). Non-cumulative payout rates: monthly 6.79%, quarterly 6.83%, half-yearly 6.89%, yearly 7.00%.
- Cumulative option (interest compounded annually). Non-cumulative payout rates: monthly 7.02%, quarterly 7.06%, half-yearly 7.12%, yearly 7.25%.
- Cumulative option (interest compounded annually). Non-cumulative payout rates: monthly 7.16%, quarterly 7.20%, half-yearly 7.27%, yearly 7.40%.
Before you book
PNB Housing Fixed Deposit: frequently asked questions
What is the highest PNB Housing Fixed Deposit interest rate?
As of 14 Nov 2026, PNB Housing Finance Limited offers up to 7.40% p.a. on its fixed deposit (FD) (60 months) for general customers. Rates below are as published by the bank. Confirm with PNB Housing before investing.
What is the PNB Housing 1-year FD interest rate?
As of 14 Nov 2026, PNB Housing Finance Limited offers 6.80% p.a. on a 1-year FD for general customers and 6.85% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the PNB Housing 2-year FD interest rate?
As of 14 Nov 2026, PNB Housing Finance Limited offers 7.00% p.a. on a 2-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the PNB Housing 3-year FD interest rate?
As of 14 Nov 2026, PNB Housing Finance Limited offers 7.25% p.a. on a 3-year FD for general customers and 7.15% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the PNB Housing 5-year FD interest rate?
As of 14 Nov 2026, PNB Housing Finance Limited offers 7.40% p.a. on a 5-year FD for general customers and 7.15% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at PNB Housing?
Yes. Senior citizens (60+) earn up to 0.05% p.a. more than general customers at PNB Housing Finance Limited, depending on the tenure.
When did PNB Housing last change its Fixed Deposit rates?
RateScan.in has recorded no change to PNB Housing Finance Limited's fixed deposit (FD) rates since it started tracking them on 26 Oct 2026.
What fixed deposit (FD) tenures does PNB Housing offer?
PNB Housing Finance Limited's published fixed deposit (FD) rate table has 5 tenure bands, from “12 to 23 months” to “60 months”.
Does PNB Housing pay more than the Post Office Time Deposit?
PNB Housing Finance Limited pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 6.80% (PO 6.90%), 2y 7.00% (PO 7.00%), 3y 7.25% (PO 7.10%), 5y 7.40% (PO 7.50%). PO is the Post Office Time Deposit rate.
Is my fixed deposit (FD) with PNB Housing insured?
No. PNB Housing Finance Limited is a non-banking finance company, so its deposits are not covered by DICGC deposit insurance. Check its credit rating and financial strength before depositing.
How current are these PNB Housing rates?
RateScan.in refreshed this dataset on 14 Nov 2026. Rates can change without notice, so verify on the official PNB Housing website before investing.
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Good to know
- Deposits with PNB Housing Finance Limited are not insured by DICGC: if the company fails, you are an unsecured creditor. Check its credit rating and financial strength, and avoid concentrating savings in one NBFC. Senior citizens (60+) typically earn an extra premium over the published general rates.
- PNB Housing is a non-banking finance company, not a bank. Its deposits are not covered by DICGC insurance, so compare its credit rating and financial strength, not just the rate.
- Senior citizens (60+) earn up to 0.05% p.a. more than general customers at PNB Housing, depending on the tenure.
Informational only. Always confirm the current rate on the official PNB Housing website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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