FD SCHEMES

📋 PNB Fixed Deposit Schemes — Complete Cheatsheet (All 17 Schemes)

Domestic (12) + NRI (2) + Special Purpose (3) | ★ = Unique yaad karo | Gray italic = Common sab mein hai

Common (sab mein)

★ Unique (yaad karo!)

🚫 NOT allowed

Available / Yes

✅ YEH SAB MEIN COMMON — ALAG YAAD MAT KARO: 💰 Premature penalty = 1% minus (jahan applicable) 🏦 Loan/OD = FD above ₹10,000 pe 🔄 Auto-renewal = Majority mein Yes 📝 Nomination = Sabhi mein 👴 Senior Citizen extra ROI = Jahan applicable 💵 Multiples of ₹1 = Default (jab ₹1000 na likha ho)

🏠 Domestic Schemes (1–12)

01 · Domestic

Ordinary Term Deposit

Min–Max₹100 – ₹1,99,99,999

Multiples₹1 ✓

Period★ 7 days – 179 days

Auto-RenewYes ✓

PrematureYes, 1% ✓

Part-WDNo

Loan/ODYes (above ₹10k) ✓

🧠 "ODD" = 179 days max. Sabse chota FD. 7 din se shuru.

02 · Domestic

Multi Benefit Term Deposit

Min–Max₹100 – ₹1,99,99,999

Multiples₹1 ✓

Period6 months – 120 months

Auto-RenewYes ✓

PrematureYes, 1% ✓

Part-WDNo

Loan/ODYes (above ₹10k) ✓

Interest★ Quarterly compound → Maturity pe milta

🧠 "Multi" = Interest quarterly compound, maturity pe milta.

03 · Domestic

Special Term Deposit Scheme

Min–Max★ ₹1,000 – ₹1,99,99,000

Multiples★ ₹1,000

Period1 year – 10 years

Auto-RenewYes ✓

PrematureYes, 1% ✓

Part-WDNo

Loan/OD★ Available — NOT Illiterate/Blind

🧠 Min + multiple = ₹1000. OD: Illiterate & Blind ko NAHI.

04 · Domestic

PNB Sugam Term Deposit

Min–Max★ ₹10,000 – ₹10 Lakh/CIF

Multiples₹1 ✓

Period★ 46 days – 10 years

Auto-RenewYes ✓

PrematureYes

Part-WD★ Yes — ₹1,000 min (mult ₹1)

Loan/OD★ Upto ₹10 Cr; NOT Illiterate/Blind

🧠 46 days se (unique!). Max ₹10L/CIF. Part-WD ₹1000 se. OD ₹10Cr tak.

05 · Domestic

Anupam Term Deposit

Min–Max★ ₹10,000 – ₹1,99,99,000

Multiples★ ₹1,000

Period6 months – 120 months

Auto-RenewYes ✓

PrematureYes, 1% ✓

Part-WD★ Yes — 1% penalty bhi lagegi

Loan/ODAvailable

🚫 NOT: Minor + Illiterate + Blind (TEEN ban)

🧠 ₹1000 mult. Part-WD pe bhi 1%. TEEN NAHI: Minor+Illiterate+Blind.

06 · Domestic

PNB Uttam FD (No Premature WD)

Min–Max★ Above ₹1 Crore — No upper limit

Multiples₹1 ✓

Period≤10Cr: 91d–120m (Mat) / 6m–120m (Inc)
>10Cr: 91d–1yr (Mat) / 6m–1yr (Inc)

Auto-RenewYes ✓

Premature★ STRICTLY NO — only on death

Part-WD/ExtNot Permitted

Loan/ODYes (above ₹10k) ✓

🧠 "Uttam" = Uthao mat! ₹1Cr+. Premature WD sirf depositor ki death pe.

07 · Domestic

PNB Tax-Shield FD

Min–Max★ ₹100 – ₹1.50 Lakh per FY only

Multiples₹1 ✓

Period★ Only 5 years (fixed)

Auto-RenewNo

PrematureNOT Allowed — Lock-in 5 yrs

Part-WDNot Allowed

Loan/ODNo

Tax Benefit★ Section 80-C benefit

🧠 80-C. 5 saal lock. Max ₹1.5L/FY. Kuch NAHI milega beech mein!

08 · Domestic

PNB Pranam Term Deposit (55–60 yr)

Min–Max₹100 – ₹1,99,99,999

Multiples₹1 ✓

Period1 year – 10 years

Auto-RenewYes ✓

Premature★ No penalty after Sr. Citizen bane

Part-WDNo

Loan/ODYes

Eligibility★ Age 55 to 60 only

🚫 NOT: Illiterate / Blind

🧠 "Pranam" = 55–60 age bade logon ka. Sr. Citizen bano → penalty MAAF!

09 · Domestic

PNB Floating Rate Fixed Deposit

Min–Max★ ₹1,000 – No maximum limit

Multiples★ ₹1,000

Period7 days – 10 years

Auto-RenewYes ✓

Premature★ Yes — 0.50% to 1% penalty

Part-WDNo

Loan/ODYes

🚫 NOT: Illiterate / Blind

🧠 Rate float karta hai. Penalty 0.5%–1% (range unique). ₹1000 mult. No max.

10 · Domestic

PNB Growth Fixed Deposit

Min–Max★ ₹2 Crore – ₹10 Crore

Multiples₹1 ✓

PeriodMaturity: 7d–120m
Income: 6m–120m

Auto-RenewYes ✓

PrematureYes, 1% ✓

Part-WD★ Yes — Mat. option only, ₹1L+ mult.

Loan/ODYes

🚫 NOT: Minor

🧠 ₹2Cr–₹10Cr. Part-WD = Mat. option + ₹1L mult. Minor NAHI.

11 · Domestic

PNB Bulk Fixed Deposit

Min–Max★ Single >₹10Cr; Interbank ≥₹3Cr; NRE/NRO >₹10Cr; FCNR(B) 10L USD/GBP/EUR

PeriodMaturity: 7d–120m / Income: 6m–120m

Auto-Renew★ No

Premature★ No — ED empowered for penalty waiver

Part-WDNo

Loan/ODNo

🚫 NOT: Minor

🧠 >₹10Cr. SAB NAHI: Auto-renew, Loan, WD. ED waive kar sakta. Minor NAHI.

12 · Domestic

MIBOR Linked Notice Deposit

Min–Max★ Single >₹10 Crore (mult ₹1)

Period★ 7 – 60 days only

Notice★ 14 days; 1-day clear notice for WD

Auto-RenewYes (1-day clear notice)

PrematureYes (1-day clear notice)

Part-WDNo

Loan/ODNot Available

Branch★ Metro CBS branches ONLY

For whomHNIs, Company/Corporate, PSUs, Comm. Org.

🧠 MIBOR=Market rate. Metro only. 7–60d. 14d notice. HNI/Corporate. Loan NAHI.

🌍 NRI Schemes (13–14)

13 · NRI

PNB NRE Rupee Sugam Term Deposit

Min–Max₹10,000 – ₹10 Lakh per CIF ID

Multiples₹1 ✓

Period★ 1 year – 10 years (46 din NAHI!)

Auto-RenewYes ✓

PrematureYes

Part-WD★ Yes — multiples of ₹1,000

Loan/ODYes

Eligible★ NRIs only — Individual, Single or Joint

🧠 NRE = "E"xternal. 1 saal se shuru (46 din nahi!). ₹10L max/CIF. Part-WD ₹1000 se. NRI individual only.

14 · NRI

PNB NRO Sugam Term Deposit

Min–Max₹10,000 – ₹10 Lakh per CIF ID

Multiples₹1 ✓

Period★ 46 days – 10 years (NRE se alag!)

Auto-RenewYes ✓

PrematureYes

Part-WD★ Yes — multiples of ₹1,000

Loan/ODYes

EligibleNRIs / PIOs — ★ OCBs NOT eligible

🧠 NRO = "O"rdinary. 46 days se (domestic Sugam jaisa). OCB OUT. Key: NRE=1yr, NRO=46d — yahi fark!

⭐ Special Purpose Schemes (15–17)

15 · Special Purpose

Fixed Deposit for Road Accident Victims

Min–MaxNo minimum — No maximum limit

Period1 year – 10 years

Auto-RenewYes

PrematureNo

Part-WDNo

Loan/ODNo

Interest★ +1% extra ROI

Opening★ On Court Order only

Option★ Only Income Option available

🧠 Court order se khulta hai. +1% extra ROI. Sirf Income option. Koi WD nahi, koi Loan nahi.

16 · Special Purpose

MACAD — Motor Accident Claims Annuity Deposit

Min–MaxMin ₹1,000 (as per monthly annuity) — No max

Period★ 36 months – 120 months (3–10 years)

Auto-Renew—

Premature★ With Court/Tribunal permission only

Part-WDNo

Loan/ODNo

Payout★ Monthly Annuity payment

Amount★ Lump sum decided by Court/Tribunal

🧠 MACAD = Motor Accident + Annuity Deposit. Monthly annuity. Court sab decide karta. 3–10 saal.

17 · Special Purpose

🌿 PNB Palaash Green Deposit Scheme

EligibilityIndividuals, Proprietorship, Partnership, Pvt/Pub Ltd, HUF, Societies, Trusts, Govt Depts, LLP etc.

Min–Max★ ₹5,000 – less than ₹10 Crore

Multiples₹1 ✓

TypeCumulative and Non-Cumulative both

CurrencyINR only

Period★ ONLY 2 options: 1204 days OR 1895 days

ROI<₹3Cr: 1204d=6.40%, 1895d=6.35% / ₹3Cr–10Cr: 1204d=6.15%, 1895d=5.45%

InterestMaturity option AND Income option both

Auto-Renew★ Yes — only in Palaash scheme itself

PrematureYes — penalty as per FD norms

Part-WDNo

Loan/ODYes (Demand Loan / OD allowed)

Convert★ Kisi bhi aur FD mein NAHI convert ho sakta

Funds Use★ Green Activities financing only

Extra ROISr. Citizen, Staff, Retired Staff extra ROI applicable ✓

🧠 🌿 Green FD. 1204 ya 1895 days — sirf 2 options. Dusri FD mein convert NAHI. ₹5000 min. Green activities ke liye funds.

🚫 Premature WD NAHI hoga

• Uttam FD — sirf death pe
• Tax-Shield — 5yr lock-in
• Road Accident FD — No
• Bulk FD — normally NO (ED waive)
• MACAD — court permission only

✅ Part-WD Milta Hai

• Sugam (₹1000 min, mult ₹1)
• Anupam (1% penalty bhi lagegi)
• Growth FD (Mat. option only, ₹1L+)
• NRE Sugam (₹1000 multiples)
• NRO Sugam (₹1000 multiples)

🚫 Minor NOT Allowed

• Anupam
• Growth FD
• Bulk FD

🚫 Auto-Renewal NAHI

• Tax-Shield
• Bulk FD

⚡ Unique Periods Yaad Karo

• Ordinary = 7 – 179 days
• Sugam = 46 days se shuru
• NRE Sugam = 1 year se (46d nahi!)
• NRO Sugam = 46 days se
• Tax-Shield = 5 saal ONLY
• MIBOR = 7–60 days ONLY
• Palaash = 1204 ya 1895 days ONLY

💰 Min Amount Yaad Karo

• ₹100 → Ordinary, Multi Benefit, Tax-Shield, Pranam
• ₹1,000 → Special TD, Floating Rate, MACAD
• ₹5,000 → Palaash Green
• ₹10,000 → Sugam, Anupam, NRE Sugam, NRO Sugam
• Above ₹1 Cr → Uttam FD
• ₹2 Cr–₹10 Cr → Growth FD
• >₹10 Cr → Bulk FD & MIBOR

🚫 Illiterate/Blind Restrictions

• Special TD — OD nahi milega
• Sugam — OD nahi milega
• Anupam — account hi nahi khulega
• Pranam — account nahi
• Floating Rate — account nahi
• MIBOR — HNI/Corporate only

⚠️ Multiples of ₹1000 Wale

• Special TD, Floating Rate, Anupam

📗 PNB Recurring Deposit Schemes — Complete Cheatsheet (All 4 Schemes)

Sabhi 4 RD Schemes + General Guidelines | Common = Gray Italic | ★ Unique = Yaad Karo | 🚫 = NOT Allowed

Common (sab mein)

★ Unique (yaad karo!)

🚫 NOT allowed

Available / Yes

✅ GENERAL GUIDELINES — SAB RD SCHEMES MEIN COMMON (ALAG YAAD MAT KARO):

📅 Period: 6–120 months (multiples of 1 month) 💰 Late installment penalty: ₹1 per ₹100/pm 🏦 Installment: Branch pe direct ya SI se 📌 At par: No inter-sol charges 🏢 Premature: Sirf Base Branch pe 📝 TDS applicable 📕 Passbook zaruri — bina passbook repayment nahi

👴 Sr. Citizen: +0.50% (below ₹3Cr) 👵 Super Sr. Citizen: +0.80% (below ₹3Cr) 👮 Staff / Ex-Staff: +1% (below ₹3Cr) ⏰ Maturity = Last installment ke 1 month baad YA period expiry — jo baad mein ho 🔒 Premature closure penalty: 0.50% ❌ 1 month ke andar band karo = NO interest ✅ Penal interest se CHHOOT: Staff + Sr. Citizen + Death of depositor

📗 RD Schemes — Ek Nazar Mein (All 4)

01 · RD Scheme

PNB Pranam Recurring Deposit

Senior citizen pathway scheme

Eligibility★ Age 55 years to max 60 years ONLY

Min Installment₹100/- per month or multiples thereof

Max Installment★ ₹25 Lakh per month

Period6 months – 120 months ✓ (common)

Late Penalty₹1 per ₹100/pm ✓ (common)

Premature WD1.00% penalty ✓ (common)

At par paymentYes, no inter-sol charges ✓

Special ROI★ +0.50% from date of becoming Sr. Citizen (presently)

PassbookMandatory ✓ (common)

TDSApplicable ✓ (common)

🚫 NOT eligible: Below 55 or above 60 years

🧠 "Pranam" = Bade logon ko pranam = 55–60 age. Sr. Citizen bano → +0.50% ROI milega. ₹25L/month max. FD Pranam jaisa hi age criteria!

02 · RD Scheme

PNB Kalpnidhi

Earlier known as: PNB Recurring Deposit Scheme

Eligibility★ Individual (Single/Joint), Minor, Association, Club, Society, Trust, Edu. Institutions, Municipality/Panchayat, Govt/Quasi-Govt body, Co-op Society, Religious/Charitable Inst., NRIs etc.

Min Installment₹100/- per month or multiples thereof

Max Installment★ ₹25 Lakh per individual per month

Period6 months – 120 months ✓

Late Penalty₹1 per ₹100/pm ✓

Premature WD1.00% penalty ✓

At par paymentYes, no inter-sol charges ✓

TDSApplicable ✓

🎁 FREE Accidental Insurance: Up to ₹2 Lakh for individual account holder in Regular accounts (first person in Joint accounts). ★ Condition: Installment ₹5,000/- & above per month

🧠 "Kalpnidhi" = Sabke liye khazana. Sabse broad eligibility — NRI bhi, Minor bhi. Free ₹2L insurance agar ₹5000+/month installment ho. Pehle naam tha "PNB RD".

03 · RD Scheme

PNB Special Recurring Deposit

For Institutions & their Employees

Eligibility★ Govt. Institutions, Pvt. Institutions, PSUs, Corporate Bodies etc.

Account Name★ Institution A/C + Name of Employee

Min Employees★ Min 10 employees OR 75% of eligible employees — whichever is LOWER

Min Installment★ Min ₹10/- (as per PF deduction); later in multiples of ₹1

Period6 months – 120 months

Late Penalty★ NO PENALTY on late installment

Premature WD★ NOT Allowed without prior approval of Institution

At par payment★ Payable at par on maturity at Base Branch ONLY

TDSApplicable ✓

🧠 "Special" = Institution ka scheme. Min ₹10 installment (sabse chota). NO penalty on late payment. Premature = Institution ki permission chahiye. 10 employee ya 75% — jo LOWER ho.

04 · RD Scheme

PNB Kalpnidhi Plus

Earlier: PNB Swechha Jama Yojna / PNB Flexi RD Scheme

Eligibility★ Same as PNB Kalpnidhi — EXCEPT NRIs not eligible

Core Installment★ Max core monthly installment: ₹2,50,000 per customer/month

Max Total★ Max ₹25 Lakh per month (i.e., 10 times the core monthly installment)

Period★ 6 months – 120 months — NOT necessarily in multiples of 1 month

Late Penalty★ NO PENALTY on late/missed installment

Premature WD1.00% penalty ✓

At par paymentYes, No inter-sol transaction charges ✓

Flexibility★ FLEXI — amount can vary, not fixed monthly

TDSApplicable ✓

🚫 NRIs NOT eligible (unlike Kalpnidhi where NRI is allowed)

🧠 "Kalpnidhi Plus" = Kalpnidhi ka upgraded flexi version. NRI NAHI. Period multiples of 1 month ZARURI NAHI. Core max ₹2.5L/month, total max ₹25L (=10x). NO late penalty.

📊 Sabhi 4 RD Schemes — Ek Nazar Comparison Table

Feature / Cheez	01 — PNB Pranam RD	02 — PNB Kalpnidhi	03 — PNB Special RD	04 — PNB Kalpnidhi Plus (Flexi RD)
Eligibility	★ Age 55–60 yrs ONLY	Broadest: Individual, Minor, NRI, Assoc., Club, Govt, Trust etc.	★ Govt/Pvt Institutions, PSUs, Corporates ONLY	Same as Kalpnidhi EXCEPT NRI nahi
Min Installment	₹100/month	₹100/month	★ ₹10/month (PF deduction basis)	₹100/month (core)
Max Installment	₹25 Lakh/month	₹25 Lakh/individual/month	As per PF deduction (no fixed upper limit)	★ Core: ₹2.5L; Total max: ₹25L (10x core)
Period	6–120 months (mult. of 1m)	6–120 months (mult. of 1m)	6–120 months	★ 6–120 months — NOT necessarily mult. of 1 month
Late Installment Penalty	₹1/₹100/pm ✓	₹1/₹100/pm ✓	★ NO PENALTY	★ NO PENALTY
Premature Withdrawal	1% penalty	1% penalty	★ NOT allowed without Institution's prior approval	1% penalty
At Par Payment	Yes	Yes	★ Maturity at Base Branch ONLY	Yes, no inter-sol charges
Special Benefit	★ +0.50% ROI from date of becoming Sr. Citizen	★ FREE ₹2L Accidental Insurance (if installment ₹5000+/month)	Institutional PF-based savings	★ FLEXI — variable installment (not fixed monthly)
NRI Eligible?	No (age-based, not NRI)	✅ Yes	No	★ NO — unlike Kalpnidhi
Key Trick	55–60 age. Sr. Citizen bano → +0.50% ROI	Sabse broad. ₹5000/m → Free ₹2L insurance	Min 10/75% employees. Min ₹10. No penalty.	Kalpnidhi - NRI + Flexi period + No late penalty