CRISIL ‘FAA+/Negative’ &

CARE ‘AA/Stable’ indicates

high level of safety

Growth you can count on.

FIXED DEPOSITS

INVITE PUBLIC DEPOSITS

Deposit up to `5 crore
Cumulative Option* ROI (p.a.) Non-Cumulative Option ROI (p.a.)
Tenure
(Months) Tentative Yield
ROI Monthly Quarterly Half Yearly Annual
to Maturity#

12-23 7.00% 7.00% 6.78% 6.82% 6.88% 7.00%

24-35 6.80% 7.03% 6.57% 6.63% 6.69% 6.80%

36-47 7.55% 8.13% 7.30% 7.34% 7.41% 7.55%

48-59 7.40% 8.26% 7.16% 7.20% 7.26% 7.40%

60-71 7.40% 8.58% 7.16% 7.20% 7.27% 7.40%

72-84 7.40% 8.91% 7.16% 7.20% 7.27% 7.40%

120 7.40% 10.42% 7.16% 7.20% 7.27% 7.40%

Minimum Deposit `10,000 `25,000 `10,000 `10,000 `10,000
Amount

*For cumulative option, interest rate is compounded annually on March 31st.

#
The tentative yield to maturity is mentioned for the lowest tenure of the specific grid.

NOTE: • Above rates are applicable upto `5 crore for deposits. • Senior citizens (above 60 years) will be eligible for 0.25% additional Rate of Interest (applicable for deposits up to `1 crore only).
• With effect from 07.10.2022. • Rating: Credit Rating Information Services of India Ltd. (CRISIL) ‘FAA+/Negative’ & Credit Analysis & Research Ltd. (CARE) ‘AA/Stable’ indicates high level of safety.

Interest rates are subject to change and rate applicable will be the rate prevalent on the date of realization of Cheque/ Online fund transfer in company's Bank Account.

A Housing Finance Company promoted by Punjab National Bank

 HIGHLIGHTS

1. Loan facility upto 75% of deposit available as per RBI directions.

2. Premature cancellation allowed as per RBI directions.
3. Deposits with PNB Housing are eligible investments under section 11(5)(ix) of the Income Tax Act 1961.

TERMS & CONDITIONS

(I) Acceptance of Fixed Deposits :

Deposits will be accepted from resident individuals, NRIs, PIOs (on non-repatriation basis in accordance with RBI Master Directions), minors under natural/lawful
guardian, Partnership Firms, HUFs, Charitable and Religious Trusts, Association of Persons, Co- operative Societies (other than housing co–operative societies)
incorporated in India. Deposit can be made in joint name(s) with a maximum number of three persons.
(ii) Non-Resident Indians (NRIs) :
Deposit from NRIs and Person of Indian Origin (PIOs) would be accepted on non-repatriation basis only, in accordance with RBI Master Directions governing the
acceptance of deposits from NRIs. Deposit would be accepted for a maximum period of 3 years. Payment of interest as also the repayment of deposit shall be
made only by credit to NRO account with banks. Income tax at source will be deducted as applicable to NRO deposit of NRIs/PIOs.
(iii) Joint Deposits :
Deposit can be made in the joint names with maximum of three person with or without requiring any of the applicants to be made any of the clauses namely "First
Applicant or Survivor(s)". The interest on fixed deposit in joint names will be paid and in case of cumulative deposit will be deemed to accrue to the first named
applicant and discharge given by him/her will be binding on the joint holders. Repayment of deposit will be made as per instructions given in the application form.
Discharge by such person(s) will be binding on the joint holders.
(iv) Amount of Deposit :
The minimum deposit amount is `25,000 under Monthly income scheme and `10,000 under rest of the deposit schemes.
(v) Mode of Acceptance :
Application will be made in the prescribed form duly completed and accompanied by cheques/demand drafts/RTGS/NEFT drawn in favour of PNB Housing
Finance Limited and crossed "Account Payee Only".
(vi) Payment & Interest :
Interest will be payable on the fixed deposit from the date of realisation of cheque or fund transfer to PNB Housing’s bank account.

Interest on deposits placed under Non-Cumulative fixed deposit shall be paid on fixed dates as given below :

Scheme Interest Payment Date

Monthly Income Plan Last day of each month
Quarterly Income Plan June 30 , September 30 , December 31 and March 31
Half Yearly Plan September 30 and March 31
Annual March 31

In case of Non-Cumulative Deposits, if the first interest due date falls within a week from the deposit date, then the interest for the first broken period will be paid
in the next interest cycle.
In case the above mentioned dates are Sunday/holiday, then the Interest shall be payable on immediate next working day.
Cumulative Scheme: Interest will be compounded annually on 31st March of every year after deducting the tax, wherever applicable. The principal along with
interest will be paid on maturity once the discharged deposit receipt is received by us.
Income tax will be deducted at source from interest in accordance with Section 194 A of the Income Tax Act, 1961, in case the interest payable during the financial
year exceeds `5,000/- in aggregate. However, no deduction shall be made if the declaration in the form 15H/15G prescribed under the Income Tax rules is furnished
at the beginning of each financial year by a person other than a company or a firm.
In case of cumulative deposit, for the purpose of deduction of Income Tax, interest will be deemed to accrue every year and tax will be deducted on the accrued
interest in each financial year subject to para 4 above.
The applicant must mention PAN in the application form if the annual interest exceeds `5,000 per applicant. In case, PAN is not mentioned, the rate of TDS would
be 20% as against 10% for cases where PAN is provided.
Interest on overdue deposit :
Deposit will automatically expire on maturity. The company may at its discretion allow interest for the overdue period upto 3 months on interest rate as prevailing
on the date of maturity of the deposit or present rate, whichever is lower. In case, the renewal is sought for a portion of overdue deposit the company may at its
discretion allow Interest for the overdue period on that portion of deposit which is proposed to be renewed.
(vii) Nomination :
Depositor(s) can, singly or jointly, nominate another person under this deposit scheme. The nominee shall be recognized as the holder of the title of the fixed
deposit on death of all the depositors. Power of Attorney holder or a guardian applying on behalf of minor cannot nominate. Depositors are advised to provide
the specimen signature of the nominee at the time of nomination to expedite the transmission of the deposits to the nominee in the event of demise of the
depositors.
(viii) Deposit Receipt :
The deposit receipt and interest warrants will be sent by post/courier by the company to the address given in the application form and the company shall not be
held responsible for any loss or delay in transit.
If the deposit receipt is not received by the depositor for any reason, the depositor should write to enquire with the company. In the event of loss/destruction/
mutilation of deposit receipt, relevant legal procedure as the required by the company has to be followed.
The deposit receipt is not transferable. The company will not recognize any lien or assignment of the deposit or interest thereof.
(ix) Renewal/Auto Renewal:
i. Deposit can be renewed by furnishing fresh application form along with discharged deposit receipt. The company can pay overdue Interest, at its sole discretion,
provided deposit is renewed for a period till some future date.
ii. A depositor can opt for auto renewal of principal/renew principal and Interest or pay, in entirety, the principal and interest to his/her designated bank account by
giving an explicit consent in this regard before his/her signatures on the application form.
iii. On maturity for the second tenure (post first auto renewal) in the absence of any specific instruction from the depositor, the amount will be automatically remitted
to the designated bank account of the depositor.
(x) Repayment/pre-mature payment:
I. In the absence of any specific maturity instructions, the maturity amount shall be remitted to the designated bank account of the depositor. The repayment
of deposit shall be made by electronic mode or “Account Payee Cheque”.
ii. Request for premature withdrawal may be permitted at the sole discretion of the company only and cannot be claimed as a matter of right by the depositor,
subject to the Reserve Bank of India, Master Directions, 2021 as applicable from time to time.
 iii. The company at the request of the depositor may repay the deposit before maturity. Interest on premature repayment of deposit shall be paid as under:

Period completed from date of deposit Individuals Non-Individuals

(a) Minimum lock in period. 3 months 3 months

Provided that upon being satisfied, in order to meet certain
expenses of an emergent nature, not more than 50% of the
amount of principal sum or `5 lacs, whichever is lower, can
be paid before the expiry of 3 months from the date of
acceptance of deposit, without interest. Provided further, in
cases of critical illness (as per IRDAI (Health Insurance)
Regulations, 2016), 100% of the amount of principal sum
can be repaid prematurely, without interest.
(b) After three months but before six months 4% p.a. No Interest
(c) After six months but before the Date of Maturity For Individuals and Non - Individuals the interest payable shall be 1% lower than the interest
rate applicable to a public deposit for the period for which the deposit has run.

(d) If no rate has been specified for the period for which the 2% lower than the minimum rate at which the deposits are accepted
deposit has run

The brokerage is paid upfront for the entire period of deposit to our authorised agent. In case of premature withdrawal the brokerage is payable for the period
completed and excess brokerage paid will be recovered from the deposit amount.
(xi) For Authorised Agents :
Agents are not authorized to accept cash or issue receipt on behalf of the company. They must ensure that agent name and code number is clearly mentioned in
the application form to enable payment of brokerage. Brokerage will be paid to registered agents at rate decided by the management as per RBI Master Directions.
(xii) Know Your Customer (KYC) Compliance :
In terms of the Prevention of Money Laundering Act, 2002, the rules notified thereunder and KYC guidelines issued by the Reserve Bank of India (RBI), every
individual depositor is required to comply with the KYC requirements by submitting the following documents :
a) Latest photograph b) Certified copy of proof of identity (mentioned in application form) c) Certified copy of proof of address. For non-individual depositor
please refer list of documents to be submitted by various categories.
(xiii) Loan Against Deposits :
Loans may be granted against public deposits upto 75% of the principal deposit amount carrying Interest @2% per annum above the deposit Interest Rate and
other additional charges applicable on such deposit, provided the deposit has run for a minimum period of three months. On maturity the outstanding loan
together with interest shall be settled in one lump sum by the depositor or shall be adjusted on maturity of the deposit. However, the granting of the loan will be
at the sole discretion of the company.
(xiv) General :
i. Deposits from minor(s) will be accepted through natural/lawful guardian(s).
ii. In the event of death of the depositor at any time before the date of maturity of the deposit, the deposit shall be repaid prematurely to the surviving depositor(s)
in the case of joint holding with survivor clause or to the nominee or legal heir(s) with interest at the contracted rate upto the date of repayment on the request
of the surviving depositor/nominee/legal heir against submission of proof of death.
iii. In case of any deficiency of the housing finance company in servicing its deposits, the depositor may approach NHB, the National Consumers Disputes Redressal
Forum, the State Level Consumers Disputes Redressal Forum, or the District Level Consumers Dispute Redressal Forum for relief.
iv. That the financial position of the company as disclosed and representations made in the application form are true and correct and that the company and its
Board of Directors are responsible for the correctness and veracity thereof.
v. The company's public deposits are regulated by Reserve Bank of India (RBI). It must, however be distinctly understood that RBI or NHB does not undertake any
responsibility for the financial soundness of the company or for the correctness of any of the statements or representations made or opinion expressed by the
company and for repayment of deposit/discharge of liabilities by the company.
vi. In case of non-repayment of the deposit or part thereof in accordance with the term and condition of the public deposit, the depositor may make an application
to an authorized officer of the National Housing Bank (NHB).
vii. There are no dues, both fund and non-fund based, from companies in the same group or other entities or business ventures in which the directors and/or company
is holding substantial interest.
This application form can be downloaded from company's website www.pnbhousing.com or collected from any of the below mentioned branches.

BRANCHES
AGRA: 0562-2522542 • JANAKPURI: 011-25546073 KOLLAM: 0474-2732525 PUNE:
AHMEDABAD: 079-26474900 ERODE: 0424-2222933 KOTA: 0744-2363717 • J. M. ROAD: 020-25576000
• ODHAV: 6359612308 FARIDABAD: 0129-2437047 KHARGONE: 9302107634 • KHARADI: 8291307674
AHMEDNAGAR: 0241-2414455 GHAZIABAD: KOZHIKODE: 0495-4853366 • KONDHWA: 8291244286
AMRAVATI: 0721-2560320 • KAVI NAGAR (RDC): 0120-2821049 LUCKNOW: 0522-4936900 • PIMPRI: 020-63105400
AURANGABAD: 0240-2340060 • VASUNDHARA: 0120-2699115 LUDHIANA: 0161–2771557 • WARJE: 020-25233228
BENGALURU: GUNTUR: 0863-2222441 MADURAI: 0452-2602670 RAIPUR: 0771- 2223573
• BTM: 080-26283500 GURUGRAM: 0124-4055588 MANGALORE: 0824-4288788 RAJKOT: 0281-2462352
• INDIRA NAGAR: 080-25353557 GWALIOR: 0751-2233305 MEERUT: 0121–4053500 ROHTAK: 0126-2280640
• KASTURI NAGAR: 080-25453537 HALDWANI: 05946-283519 MORBI: 7600083027 RUDRAPUR: 9319053004
• MARATHALLI: 080-46176565 HARIDWAR: 01334-250101 MUMBAI: RATLAM: 9630098608
• VIJAY NAGAR: 080-23103500 HYDERABAD: • ANDHERI: 022-49795780 RATNAGIRI: 8600744426
• LAVELLE ROAD: 080-68226200 • BANJARA HILLS: 040-48764567 • BOISAR: 7290032973 SALEM: 0427-2445754
BHIWADI: 01493-298157 • KUKATPALLY: 040-23055506 • BORIVALLI: 022-68343700 SURYAPET: 9177171749
BHOPAL: 0755-2554637 • NAGOLE: 040-29774333 • GHATKOPAR: 022-25100015 SURAT:
BHUBANESWAR: 0674-2548866 ISNAPUR: 9177171749 • KALYAN: 0251-2230025 • ADAJAN: 0261-4055050
BIKANER: 0151-2522147 INDORE: • MUMBAI-FORT: 022-22672412 • VESU: 0261-2979611
CHANDIGARH: 0172-2601408 • MG ROAD: 0731-2567200 • NAVI MUMBAI: 022-27899016 SATNA: 8929485329
CHENNAI: JABALPUR: 0761-4069727 • PANVEL: 022-27490186 THRISSUR: 0487-2388804
• AMBATTUR: 044-26881601 JAIPUR: 0141-2709144 • THANE: 022-25474720 TRICHY: 0431-2741663
• ROYAPETTAH: 044-40076800 JALANDHAR: 0181-2233421 • VIRAR: 8983812000 TRIVANDRUM: 0471-2336601
• TAMBARAM: 044-22390966 JAMSHEDPUR: 0657-2320110 MYSORE: 0821-4268066 TUTICORIN: 0461-2300911
• GUINDY: 044-40176800 JODHPUR: 0291-2440380 NAGPUR: 0712-2533460 UDAIPUR: 0294-2424755
COCHIN: 0484-2368200 JUNAGARH: 0285-2670825 NASHIK: 0253-2311671 UJJAIN: 0734-2525338
COIMBATORE: 0422-2240322 KANPUR: 0512-2390404 NELLORE: 0861-2318001 VADODARA: 0265-2982308
DEHRADUN: 0135-2749977 KARNAL: 0184-2260667 NOIDA: VARANASI: 0542-2221218
DELHI: KOLHAPUR: 0231-2525241 • NOIDA-SEC. 3: 7292015075 VIJAYWADA: 0866-2499501
• BARAKHAMBA ROAD: 011-23357170 KOLKATA: • NOIDA-SEC. 63: 0120-2427255 VISAKHAPATNAM: 0891-2971011
• GREEN PARK: 011-26512911 • KYD STREET: 033-40717051 PITHAMPUR: 9589285004 WARANGAL: 0870-2988606
To know the branch location and address, please refer to our website www.pnbhousing.com

ACKNOWLEDGEMENT
Round
Received Cheque No./DD No./Cash ..............................................................................................................for `....................................................................... Stamp

for deposit of ...................................................... years. Nominee Name ..............................................................................................................................

LIST OF DOCUMENTS TO BE SUBMITTED BY VARIOUS CATEGORIES OF CUSTOMERS
(NON-INDIVIDUAL FOR KNOW YOUR CUSTOMER COMPLIANCE)
1. Trusts/Associations/Clubs
• Trust Deed • Registration Certificate • Copy of Resolution of Investment • Trust's PAN Card copy • Trust's Address Proof
• Specimen Signature of Authorized Persons • Photograph, PAN Card, Address Proof of Signing Authorities

2. Partnership Firm
• Declaration of Partnership by Partners • Name and Address of Partners
• Specimen Signatures • PAN Card copy of Firm
3. Proprietory Concern
• Name and Signatures of the Proprietor • PAN Card Copy of Proprietor

PARTICULARS AS REQUIRED UNDER NON-BANKING FINANCIAL COMPANIES

AND MISCELLANEOUS NON-BANKING COMPANIES (ADVERTISEMENT) RULES, 1977:

a Name of the Company PNB Housing Finance Limited g. Summarized financial position (Standalone) of the Company
b Date of Incorporation November 11, 1988 as appearing in two audited Balance Sheets: (` in Crore)
c The business carried on by the Company and its Providing housing finance for construction/purchase/ repair and renovation Liabilities March 31, 2022 March 31, 2021 Assets March 31, 2022 March 31, 2021
subsidiaries with details of branches/units, if any. of residential houses/flats to individual (residents and NRIs) and Share Capital 168.60 168.27 Fixed Assets 92.61 104.49
Non-Housing Loans. The Company has two subsidiaries viz:
• PHFL Home Loans and Services Limited is a distribution arm for PNB Reserves & Surplus 9,631.94 8,698.91 Right of used assets 60.39 78.00
Housing, offering doorstep services to the prospective customers.
• Pehel Foundation is a non-profit subsidiary Company incorporated under Secured Loan 32,617.81 40,102.84 Investments 3,472.02 2,032.92
Section 8 of the Companies Act, 2013 to carry out various CSR activities of Unsecured Loan 20,387.15 19,290.98 Loans 55,380.74 60,687.37
PNB Housing and PHFL.
• The Company has branches at 105 places. Other Financial and 2,843.80 3,071.52 Other Financial and 6,244.74 8,000.26
Non-Financial Liabilities Non-Financial Assets
d. Brief particulars of the management of Mr. Hardayal Prasad, Managing Director & CEO, manages the Company under and Provision
the Company the supervision and control of the Board of Directors.
Deferred Tax Assets 398.80 429.48

e. Name, Address and Occupation of the Directors:-

Total 65,649.30 71,332.52 Total 65,649.30 71,332.52

Name/ DIN Official Address Occupation i) Contingent liabilities in respect of Income-tax of `20.74 crore (Previous year
`12.12 crore) is disputed and are under appeals. These includes contingent
1. Mr. Atul Kumar Goel Punjab National Bank, Plot No 4, Managing Director & CEO, liability of `1.84 crore (Previous year `4.87 crore) with respect to Income-tax
Non-Executive Nominee Director Sector-10, Dwarka, New Delhi – 110 075 Punjab National Bank which have been decided by the CIT(A) in Company’s favour. However,
DIN: 07266897 Income-tax Department has filed appeal with ITAT. The Company expects
the demands to be set aside by the appellate authority and hence no
Mr. Sunil Kaul Carlyle Singapore Investment Advisors Investment Advisor additional provision is considered necessary.
2.
Non-Executive Director PTE Limited, Carlyle Group 1, Temasek Avenue, ii) Estimated amount of contracts remaining to be executed on capital account
DIN: 05102910 24 – 02 Millenia Tower, Singapore - 039 192 and not provided for (net of advances) is `7.60 crore (Previous year `4.31
crore).
3. Mr. Chandrasekaran Ramakrishnan Sruthi, 1-C 4th Street, Radhakrishnan Salai, Retired IT Executive Vice Chairman of iii) Claims against the Company not acknowledged as debt is `0.29 crore
Independent Director Mylapore, Chennai - 600 004 Cognizant India (Previous year `Nil).
DIN: 00580842 iv) Company had issued corporate financial guarantee amounting to `0.25 crore
(Previous year `0.25 crore) to "UNIQUE IDENTIFICATION AUTHORITY OF
4. Mr. Nilesh S Vikamsey Khimji Kunverji & Co., Sunshine Tower, Practicing Chartered Accountant INDIA (UIDAI)" against the Aadhar Authentication Services.
Independent Director Level 19, Senapati Bapat Marg, With reference to clause numbers 34.2.f and 35.1.h of Non-Banking Financial
DIN: 00031213 Elphinstone Road, Mumbai - 400 013 Company – Housing Finance Company (Reserve Bank) Directions, 2021, the
Company’s exposure to Group Companies as on 31.03.2022
5. Dr. Tejendra Mohan Bhasin 331, Bhera Enclave, Retired as CMD of Indian Bank i) Exposure receivable `39.59 crore.
Independent Director Opposite Raddison Blu Hotel, ii) Exposure payable `4,462.35 crore.
DIN: 03091429 Paschim Vihar, New Delhi – 110 087 h. The amount which the Company can borrow under the Non- Banking Financial
Company - Housing Finance Company (Reserve Bank) Directions, 2021 is
6. Mr. Neeraj Vyas B-1, 404, Balaji Skyz, Pipliya Kumar, Retired as equivalent to 12 times of the net owned funds which comes to `1,01,011.62 crore
Non-Executive Indore, Madhya Pradesh – 452 010 Dy. Managing Director and whereas the amount of actual borrowing computed as per these directions as on
Non-Independent Director COO of SBI March 31, 2022 was `53,004.96 crores. The total deposits from public which the
DIN: 07053788 Company can raise as per above Directions is `25,252.91 crores, whereas the
actual public deposits held as on March 31, 2022 were `14,983.78 crores
7. Mr. Sudarshan Sen Flat 1802, Tower B-4, Godrej Platinum, Retired as Executive Director of (including unclaimed deposits).
Independent Director Vikhroli (E) Mumbai - 400 079 Reserve Bank of India i. There are no overdue deposits other than unclaimed deposits.
DIN: 03570051 j. The Company declares that:
8. Ms. Gita Nayyar 3403 Imperial Towers South, Finance Professional i) The Company has complied with the applicable provisions of the Non-
Independent Director B.B. Nakashe Marg, Banking Financial Company - Housing Finance Company (Reserve
Bank) Directions, 2021.
DIN: 07128438 Tardeo Mumbai 400 034
ii) The compliance with these directions does not imply that repayment of
9. Mr. Kapil Modi 1004, Tiffany Building 2, Vasant Oasis, Investment Advisor deposits is guaranteed by Reserve Bank of India or National Housing Bank.
Non-Executive Nominee Director Makwana Road, Marol, J.B. Nagar, iii) The deposits accepted by the Company are unsecured and rank
DIN: 07055408 Andheri East, Mumbai – 400 059 pari-passu with other unsecured liabilities save and except the floating
charge created on the statutory liquid assets maintained in terms of sub
10. Mr. Binod Kumar Punjab National Bank, Plot No 4, Chief General Manager, sections (1) & (2) of Section 29B of the National Housing Bank Act, 1987.
Non-Executive Nominee Director Sector-10, Dwarka, New Delhi – 110 075 Punjab National Bank iv) The Company is not in default in the repayment of deposit or part
DIN: 07361689 thereof and any interest thereon in accordance with terms and
conditions of such deposits.
11. Mr. Hardayal Prasad PNB Housing Finance Limited, 9th Floor, Managing Director & CEO, v) The deposits solicited are not insured.
Managing Director & CEO Antriksh Bhawan, 22, K G Marg, PNB Housing Finance Ltd.
DIN: 08024303 New Delhi – 110 001 vi) The Company is having as a valid certificate of Registration dated July
31, 2001 issued by the National Housing Bank (NHB) under Section 29A
of the National Housing Bank Act, 1987. However, Reserve Bank of India
or National Housing Bank does not accept any responsibility or
guarantee about the present position as to the financial soundness of
f. Standalone Profits of the Company before and after making provision for tax and dividend declared the Company or for the correctness of any of the statements or
by the Company for the three financial years immediately preceding the date of advertisement: representations made or opinions expressed by the Company and for
repayment of deposits/discharge of the liabilities by the Company.
Financial year ended Profits standalone (` in Crore) Dividend The advertisement is issued under the authority and in the name of the Board of
Directors of the Company and the text of which was approved by Resolution
Before Tax After Tax passed in the Board Meeting held on June 14, 2022.
March 31, 2020 825.00 682.31 NIL For and on behalf of Board of Directors
March 31, 2021 1186.72 925.22 NIL New Delhi Hardayal Prasad
March 31, 2022 1062.77 821.92 NIL 14.06.2022 Managing Director & CEO
 Application for Public Deposits
For office use only Affix Affix Affix
< Branch Name > latest passport latest passport latest passport
size photograph & size photograph & size photograph &
QDE ID : sign across sign across sign across
photograph photograph photograph
Date of Dispatch:
Ignore if Ignore if Ignore if
Running Serial Number :
already submitted. already submitted. already submitted.

1st Applicant 2ndApplicant 3rd Applicant

Customer ID (In case of existing customer)
I/We apply for placement/renewal of deposit at Branch for a period of months
and will earn interest @ % p.a. The payment details are as under:
Payment Details: Cheque Draft RTGS/NEFT UTR No.
Cheque No. Date Amount (`)
Bank Name Branch
PNB HFL Deposit Receipt No. (in case of renewal) Maturity Date
Deposit Scheme: Cumulative
Non-Cumulative: Monthly Quarterly Half Yearly Annual
Applicant's Name (in block letters) Gender Date of Birth/Incorporation
Prefix First Name Middle Name Last Name M/F (DD/MM/YY)
1
2
3
C-KYC Number (for Applicant 1) C-KYC Number (for Applicant 2) C-KYC Number (for Applicant 3)

Parent's or Guardian's Name (in case of Minor)

Senior Citizen (above 60 years) Yes No PAN

Address of Applicant
House/Flat No.
Building Name
Road No./Name
City PIN Code
State Country
Tel. STD Code Mobile
E-mail

1st Applicant's Occupation : Service Business Self Employed Others

2nd Applicant's Occupation: Service Business Self Employed Others
3rd Applicant's Occupation: Service Business Self Employed Others
Status of the Depositors:
Individual/Trusts/Associations: Resident Individual HUF Shareholder Director Relative of Director PNBHFL Employee
NRI Trust Partnership Firm Association of Person Promoters Others

Repayment Instruction First Applicant First Applicant or Survivor

Whether tax to be deducted Yes No

If No please submit Form 15H/15G Order u/s 159 Order u/s 197 Notification u/s 10
Self-attested copy of identity and address proof of all depositors is mandatory to be enclosed.
PAN Aadhaar Card No.
Passport No. Driving License
or any other proof to the satisfaction of the company (such as electricity bill, telephone bill etc.)

Dispatch of Fixed Deposit Receipt

By Post By Courier By Hand By Broker
Declaration:
1. I/We certify that: The information provided above is in accordance with section 285BA of the Income Tax Act, 1961 read with Rules 114F to 114H of the Income
tax Rules, 1962. The information provided by me/us above as well as in the documentary evidence provided by me/us are, to the best of my/our knowledge and
belief, true, correct and complete and that I/we have not withheld any material information that may affect the assessment/categorization of the account as a
Reportable account or otherwise. I/We permit/authorise PNB Housing Finance Ltd. to collect, store, communicate and process information relating to the
Account and all transactions therein, by the PNB Housing Finance Ltd. and any of its affiliates wherever situated including sharing, transfer and disclosure
between them and to the authorities in and/or outside India of any confidential information for compliance with any law or regulation whether domestic or
foreign. I/We undertake the responsibility to declare and disclose within 30 days from the date of change, any changes that may take place in the information
provided above as well as in the documentary evidence provided by me/us or if any certification becomes incorrect and to provide fresh self-certification along
with documentary evidence. I/We also agree that my/our failure to disclose any material fact known to me/us, now or in future, may invalidate my/our
application and PNB Housing Finance Ltd. would be within its right to put restrictions in the operations of my/our account or close it or report to any regulator
and/or any authority designated by the Government of India (GOI) /RBI for the purpose or take any other action as may be deemed appropriate by PNB
Housing Finance Ltd. if the deficiency is not remedied by me/us within the stipulated period. I/We hereby accept and acknowledge that PNB Housing Finance
Ltd. shall have the right and authority to carry out investigations from the information available in public domain for confirming the information provided by
me/us to PNB Housing Finance Ltd. It shall be my/our responsibilities to educate myself/ourselves and to comply at all times with all relevant laws relating to
reporting under section 285BA of the Act read with the Rules thereunder. I/We also agree to furnish such information and/or documents as PNB Housing
Finance Ltd. may require from time to time on account of any change in law either in India or abroad in the subject matter herein. I/We shall indemnify PNB
Housing Finance Ltd. for any loss that may arise to PNB Housing Finance Ltd. on account of providing incorrect or incomplete information.

A Housing Finance Company promoted by Punjab National Bank

2. I/We hereby declare that the first named depositor mentioned in my/our application is the beneficial owner of this deposit and as such he/she should be treated
as the payee for the purpose of tax deduction under Section 195 of the Income Tax Act, 1961. I/We hereby agree to abide the attached terms and conditions
governing deposits. I/We further declare that, I/We am/are authorized to make this deposit in the above-mentioned scheme (PNB Housing Finance Ltd.
Deposit) and that the amount kept in the deposit is through legitimate source and does not involve directly or indirectly any proceeds of schedule of offence
and/or is not designed for the purpose of any contravention or evasion of the provisions of the Prevention of Money Laundering Act, 2002 and any Rules,
Regulations, Notifications, Guidelines or Directions thereunder, as amended from time to time. I/We shall provide any further information and fully co-operate
in any investigation as and when required by the Company in accordance to the applicable Law. I/We further affirm that the information/details provided by
me/us is/are true and correct in all respect and nothing has been concealed. I/We hereby authorise PNB Housing Finance Ltd. to send Email/SMS for all
transactions relating to my/our Deposits
3. I/We permit PNB Housing to contact me/us with respect to the products and services being offered by PNB Housing or by any other person (s) and further
allow PNB Housing to cross sell the other products and services offered by such other person(s).
Bank details for repayment
1st Applicant:
Bank Name Branch Location
Account Number Type of Account Saving Current
IFSC MICR
2nd Applicant:
Bank Name Branch Location
Account Number Type of Account Saving Current
IFSC MICR
3rd Applicant:
Bank Name Branch Location
Account Number Type of Account Saving Current
IFSC MICR

If the repayment proceeds has to be credited in an account different from the cheque used for placement of Fixed Deposit, then please provide cancelled cheque
of the repayment account.

Nomination Form (Optional)

I/We__________________________________ nominate the following person to whom in the event of my/our/minor’s death, the amount of the deposit, particulars
whereof are given, may be paid by the company.
Nominee Name
Address ( if same as applicant)
House No.
Building Name
Road No./Name
City PIN Code
State Country
Tel. STD Code Mobile
E-mail

Relationship with Depositor (if any) Age of Nominee Date of Birth of Nominee (if minor)

As the nominee is a minor on this dat e, I/We appoint Shri/Smt./Kum. ______________________________to receive the amount of the
deposit on behalf of the event of my/our/minor’s death during the minority of the nominee. In case of non-submission of mandatory KYC
documents, the amount invested would be returned without any interest.
Auto Renewal/Repayment:
I hereby give my explicit consent to PNB Housing Finance Ltd. to duly (Please tick any one of the following options):
a. Renew Principal b. Renew Principal and Interest c. Pay, in entirety, the Principal and Interest to my designated Bank Account mentioned herein on maturity of the deposit

I/We have gone through the financials and other statements/particulars/representations furnished/made by the Company and after careful consideration I/We
am/are making the deposit with the Company at my/our own risk and volition.

Signature of 1st Applicant Signature of 2nd Applicant Signature of 3rd Applicant Signature of Witness
(in case of nomination)
Date: Place:
In case of non-individual depositor, please furnish the following information.

Name(s) of the authorised signatories Designation Specimen Signature(s)

1.
2.
3

Registered Office Address:

9th Floor, Antriksh Bhavan,
22 Kasturba Gandhi Marg,
Near Connaught Place,
New Delhi-110001
Broker’s Stamp Code
CIN: L65922DL1988PLC033856
GST registered state:_____________________
(To be filled by GST registered brokers only)
Version - 2.2.1