PNBHFL provides safe investment options to various deposit schemes with attractive rate of interest. With over two decades of specialized experience in housing finance, PNBHFL has a robust network of branches spread across the country which help it customers avail financial services (loans and deposits) seamlessly.

1. PNB Housing Finance Limited
Deposit Highlights:
PNBHFL provides safe investment options to various deposit schemes with attractive rate of interest. With over two decades
of specialized experience in housing finance, PNBHFL has a robust network of branches spread across the country which help
it customers avail financial services (loans and deposits) seamlessly.
Advantages
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High Safety Assurance: FAAA rating by CRISIL
No tax to be deducted at source on interest income upto Rs.5000 per financial year
Loan facility up to 75% of deposit available from all branches of PNBHFL and PNB
Premature cancellation allowed after 3 months on the discretion of the company
FIXED DEPOSIT CHART
Period(Months)
12
24,36 and 48
60,72,84 and 120
Minimum Amount
Non - Cumulative (Half Yearly
Interest Payment)
9.65%
9.40%
9.50%
20000/-
Cumulative (Compounded
Half Yearly)
9.65%
9.40%
9.50%
20,000/-
Notes:
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For Cumulative Option, interest is compounded half yearly.
@ 0.25% extra for Senior Citizens (age 60 years and above as on the date of deposit) and Company Employees
under all schemes.
Minimum deposit amount Rs.20000/- and additional in multiples of Rs. 1000/- thereafter.
TDS as applicable will be deducted if interest income is more than Rs. 5,000, however no TDS will be deducted if a
duly filled Form 15 G/H is submitted.
KYC Norms (Pan card copy and Address Proof) are mandatory in case of new investor.
Who can Apply:
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Resident Individual
Minors through their Guardians
Domestic Company
HUFs
Registered Trust
Co-operative Societies
Co-operative Banks
Association of Persons
Partnership Firms
Superannuation funds
*NRI can invest through NRO Account
*Documents require for NRI investment are Pan Card copy, Address Proof (Indian Origin) and Cancelled Cheque.

2. Banking Details:
Payment should be made by means of Crossed “Account Payee only” Cheque/ demand draft made favoring “PNB
Housing Finance Limited”, applications along with cheque and necessary enclosures to be submitted to nearest PNB
Housing Finance Ltd. office. Kindly get the acknowledgement from them while depositing the application form. In case
PNB Housing Finance Ltd. is not located nearest to your location then send the deposits (At Par cheques ) to RR Head
Office.
RTGS Details:
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RTGS Detail is given as under:IFSC Code:- PUNB0013100
BENEFICIARY A/C NO.3097008700006127
BENEFICIARY NAME: PNB Housing Finance Ltd.
Bank Name: Punjab National Bank
Branch Name:- PNB 74, Janpath , New Delhi
Payment of interest :
Interest on fixed deposits is paid on Quarterly and half yearly basis as at the end of each half year and on muturity and
will paid along with principle. In case of cumulative deposits, interest will be compounded on half yearly basis.
Loan on Deposit:
Loan facility up to 75% of deposit available from all branches of the company and also of Punjab National Bank.
Premature Withdrawal:
As per the directions of the Reserve Bank of India currently in force, the deposit shall not be repaid before the expiry
of 3 months from the date of deposit. In case of premature withdrawal after 3 months, interest shall be paid at the
following rates :•
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After 3 months but before expiry of 6 months - No interest
After expiry of 6 months but before the date of maturity - The interest payable shall be 3% lower than the
interest rate applicable for the period for which the deposit has run or if no rate has been specified for that
period, then 3% lower than the minimum rate at which the public deposits are accepted by the company. In
respect of variable rate deposit, the interest rate applicable for the period for which deposit has run would be
considered as applicable on the respective interest reset dates.
Refund / Renewal of Deposit:
For renewal or repayment of deposit, the duly discharged deposit receipt must be surrendered to the company at
least 3-4 weeks before the date of maturity. In case of renewal, the prescribed application form signed by all
depositors is also required to be submitted simultaneously.

3. MANDATORY DOCUMENTS TO BE SUBMITTED AS PER KNOW YOUR CUSTOMER NORMS, DIRECTED BY RESERVE
BANK OF INDIA
Category, if
To prove
Document to be submitted along with application form
(i) Passport (ii) PAN Card (iii) Voters Identity Card (iv) driving
license (v) Identity card (vi) Letter from recognized public authority
o public servant verifying the identity and residence of the customer
-Proof of Identity
A. Individual
-Correct permanent
address
B. Companies
C. Partnership
firms
D. Trusts
/Foundations
-Name of Company
-Principal place of
business
-Mailing address of the
company
-Telephone/Fax Number
-Legal name
-Address
-Name of all partners and
their addresses
-Telephone numbers of
the firm and partners
-Name of Trustees,
settlers, beneficiaries and
signatories
-Names and addresses of
the founder, the
managers/directors and
the beneficiaries
-Telephone/fax numbers
(any one document mentioned above)
(i)Telephone bill (ii) Bank account statement (iii) Letter from any
recognized public authority (iv) Electricity bill (v) Ration Card (vi)
Letter from employer
(any one document mentioned above)
(i) Certificate of incorporation and Memorandum & Articles of
Association (ii) Resolution of the Board of Directors to open a
deposit and identification of those who have authority to operate
the deposit (iii) Power of Attorney granted to its managers, officers
or employees to transact business on its behalf (iv) Copy of PAN
allotment letter (v) Copy of telephone bill
(i) Registration certificates, if registered (ii) Partnership deed (iii)
Power of Attorney granted to a partner or an employee of the firm
to transact business on its behalf (iv) Any officially valid document
identifying the partners and the persons holding the Power of
Attorney and their addresses (v) Telephone bill in the name of
firm/partners
(i) Certificate of registration, if registered (ii) Power of Attorney
granted to transact business on its behalf (iii) Any officially valid
document to identify the trustees, settlers, beneficiaries and those
holding Power of Attorney, founders/managers/directors and their
addresses (iv) Resolution of the managing body of the
foundation/association (v) Telephone bill
*Passport size photograph & PAN Card copy of all investors is mandatory.
Website . www.rrfinance.com
www.rrfcl.com
Email: rrinvestors@rrfcl
Disclaimer
Call Toll Free: 1800-11-0444
(For BSNL/MTNL only)