CRISIL ‘FAA+/Negative’ &

CARE ‘AA/Stable’ indicates

high level of safety

PNB Housing
Harvest great returns,
assured and safe.

INVITE PUBLIC DEPOSITS

Deposit upto `5 Crore
Cumulative Option* ROI (p.a.)
Non-Cumulative Option ROI (p.a.)
Tenure Tentative yield
(Months)
ROI
to maturity* Monthly
Quarterly
Half Yearly
Annual
12-23 5.90% 5.90% 5.74% 5.77% 5.81% 5.90%
24-35 6 .1 5 % 6.34% 5.98% 6.01% 6.05% 6 .1 5 %
36-47 6.60% 7.05% 6.40% 6.44% 6.49% 6.60%
48-59 6.60% 7.28% 6.40% 6.44% 6.49% 6.60%
60-71 6.70% 7.66% 6.50% 6.53% 6.59% 6.70%
72-84 6.70% 7.93% 6.50% 6.53% 6.59% 6.70%
120 6.70% 9.13% 6.50% 6.53% 6.59% 6.70%
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.

E Above rates are applicable upto `5 Crore for deposits

E Senior citizens (above 60 years) will be eligible for 0.25% additional Rate of Interest
E Senior citizen rates are applicable for deposits upto `1 Crore only
E Rates effective from 28th November, 2020
E Rating: CRISIL ‘FAA+/Negative’ & CARE ‘AA/Stable’ indicates high level of safety

Interest Rates are subject to change and the rate applicable would be the rate prevalent on the date of deposit

A Housing Finance Company promoted by Punjab National Bank

 HIGHLIGHTS

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

2. Premature cancellation allowed as per NHB 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 regulations), 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 regulations 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, Anyone 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 30th, September 30th, December 31st and March 31st
Half Yearly Plan September 30th and March 31st
Annual March 31st

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 Housing Finance Companies (NHB) Directions, 2010 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
For Individuals and Non - Individuals the interest payable shall be 1% lower than the interest
(c) After six months but before the Date of Maturity 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
2% lower than the minimum rate at which the deposits are accepted.
which the 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 authorised 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 NHB
directions.
(xii) Know Your Customer (KYC) Compliance :
In terms of the Prevention of Money Laundering Act, 2002, the rules notified there under and KYC guidelines issued by the National Housing Bank (NHB), 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 :
Deposits from minor(s) will be accepted through natural/lawful guardian(s).
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.
In case of any deficiency in servicing the deposits by the company, the depositor may approach the National Consumers Disputes Redressal Forum, the State
Level Consumers Disputes Redressal Forum other District Level Consumer Forum for relief.
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.
The company's public deposits are regulated by National Housing Bank (NHB). It must, however be distinctly understood that NHB does not undertake any
responsibility for the financial soundness of the company 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.
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).
There are no dues 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 HARIDWAR: 01334-250101 MYSORE: 0821-4268066
AHMEDABAD: 079-26474900 HYDERABAD: NAGPUR: 0712-2533460
l ODHAV: 079-65050055 l BANJARA HILLS: 040-23476400 NAVI MUMBAI: 022-27899016
AHMEDNAGAR: 0241-2414455 l GACHIBOWLI: 040-48500100 l PANVEL: 022-27490186
AMRAVATI: 0721-2560320/2560321 l KUKATPALLY: 040-23055506 NASHIK: 0253-2311671
AURANGABAD: 0240-2340060 l NAGOLE: 040-24774333 NELLORE: 0861-2318001
BENGALURU: INDORE: NOIDA:
l BTM: 080-46134333 l MG ROAD: 0731-2567200 l NOIDA-SEC. 3: 7292015075
l INDIRA NAGAR: 080-25353557 JABALPUR: 0761-4069727/4098262 l NOIDA-SEC. 63: 0120-2427255
l KASTURI NAGAR: 080-25453537 JAIPUR: 0141-2709144 PUNE:
BHIWADI: 01493-298157 JALANDHAR: 0181-2233421 l KHARADI: 8291307674
BHOPAL: 0755-2554637 JAMSHEDPUR: 0657-2320110 l KONDHWA: 8291244286
BHUBANESWAR: 0674-2548866 JODHPUR: 0291-2440380 l PIMPRI: 020-27339000
BIKANER: 0151-2522147 JUNAGARH: 0285-2670825 l J. M. ROAD: 020-25576000
CHANDIGARH: 0172-2601408 KANPUR: 0512-2390404 l WARJE: 020-25233228
CHENNAI: KARNAL: 0184-2260667 RAIPUR: 0771- 2223573
l AMBATTUR: 044-26881601 KOLHAPUR: 0231-2525241 RAJKOT: 0281-2462352
l ROYAPETTAH: 044-40076800 KOLKATA: ROHTAK: 0126-2280640
l TAMBARAM: 044-22390966 l KYD STREET: 033-40717051 SALEM: 0427-2445754
COCHIN: 0484-2368200 KOLLAM: 0474-2732525 SURAT: 0261-4055050
COIMBATORE: 0422-2240322 KOTA: 0744-2363717 l VESU: 0261-2979611/2979612
DEHRADUN: 0135-2749977 KOZHIKODE: 0495-4853366 THIRSSUR: 0487-2388804
DELHI: LUCKNOW: 0522-4936900 TRICHY: 0431-2741663
l BARAKHAMBA ROAD: 011-23357170 LUDHIANA: 0161–2771557 TRIVANDRUM: 0471-2336601
l GREEN PARK: 011-26512911 MADURAI: 0452-2602670 TUTICORIN: 0461-2300911
MANGALORE: 0824-4288788 UDAIPUR: 0294-2424755
l JANAKPURI: 011-25546073
MEERUT: 0121–4053500 UJJAIN: 0734-2525338
ERODE: 0424-2222933
MUMBAI: VADODARA: 0265-2982308
FARIDABAD: 0129-2437047
l BOISAR: 7290032973 VARANASI: 0542-2221218
GHAZIABAD:
l BORIVALLI: 022-68343700 VIJAYWADA: 0866-2499501
l KAVI NAGAR (RDC): 0120-2821049
l GHATKOPAR: 022-25100015 VISHAKHAPATNAM: 0891-2971011
l VASUNDHARA: 0120-2699115
l KALYAN: 0251-2230025 WARANGAL: 0870-2988606
GUNTUR: 0863-2222441
l MUMBAI-FORT: 022-22672412
GURUGRAM: 0124-4055588
l VILLE PARLE: 022-26100480
GWALIOR: 0751-2233305
l VIRAR: 8983812000
HALDWANI: 05946-283519
To know the branch location and address please refer to our website www.pnbhousing.com
ACKNOWLEDGEMENT
Received Cheque No./DD No./Cash .............................................................................................................. Round
Stamp
for `......................................................... 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. Summarised financial position of the Company as appearing in
b. Date of Incorporation November 11, 1988 two audited Balance Sheets: (` in Crore)
c. The business carried on by Providing housing finance for Liabilities March 31, 2020 March 31, 2019 Assets March 31, 2020 March 31, 2019
the Company and its construction/purchase/repair and
subsidiaries with details of renovation of residential houses/flats Share Capital 168.19 167.47 Fixed Assets 134.07 106.92
branches/units, if any. to individual (residents and NRIs)
and bodies corporate, loan against Reserves & Surplus 7778.97 7267.54 Right of Used Assets 119.69 -
mortgage of properties and loan for Secured Loan 49758.52 48544.12 Investments 2048.32 4457.43
commercial properties. The Company
is having two subsidiaries. The Unsecured Loan 17977.32 23314.73 Loans 66668.68 74327.47
Company has branches at various
places across country.
Other Financial and 3191.18 4456.38 Other Financial and 9627.97 4807.21
Non-Financial Liabilities Non-Financial Assets
d. Brief particulars of the Mr. Hardayal Prasad, Managing and Provision
management of the Director, manages the Company
Company under the supervision and control of Deferred Tax Assets 275.45 51.21
the Board of Directors.
Total 78874.18 83750.24 Total 78874.18 83750.24
e. Name, Address and Occupation of the Directors:- Ii) Contingent liabilities in respect of Income Tax of `11.94 Crore (Previous year
Name/ DIN Official Address Occupation `21.50 Crore) is disputed and are under appeals. These includes contingent
liability of `4.87 Crore (Previous year `19.54 Crore) with respect to Income Tax
1. Mr. CH. S. S. Mallikarjuna Rao Punjab National Bank MD & CEO, PNB which have been decided by the CIT (A) in Company’s favour. However, Income
Non-Executive Director Head Office : Plot No 4, Sector-10, Dwarka,
Tax Department has filed appeal with ITAT. The Company expects the demands
DIN: 07667641 New Delhi-110075
to be set aside by the Appellate Authority and hence no additional provision is
2. Mr. Sunil Kaul Carlyle Group Investment Advisor considered necessary.
Non-Executive Director 1, Temasek Avenue, 24-02, Millenia Tower, ii) Estimated amount of contracts remaining to be executed on capital account
DIN: 05102910 Singapore 039192, + 6562129617
and not provided for (net of advances) is `6.86 Crore (Previous year
3. Mr. Chandrasekaran Ramakrishnan th
IT Professional `20.29 Crore).
Shruti 1-C, 4 Street,
Independent Director Dr. Radhakrishnan Salai, iii) Claims against the Company not acknowledged as debt is Nil (Previous year
DIN:00580842 Mylapore, Chennai – 600004 Nil).
4. Dr. Gourav Vallabh XLRI Jamshedpur Professor iv) Letter of comfort issued on behalf of the clients `65.25 Crore (Previous year
Independent Director C.H. Area (East) `80.25 Crore).
DIN:02972748 Jamshedpur, Jharkhand - 831 001
In terms of para 6(2) (f) and para 17(1) (h) of NHB Directions, 2010, the Company’s
5. Mr. Nilesh S Vikamsey Khimji Kunverji & Co., Sunshine Tower, Practicing Chartered Accountant exposure to PNB as on 31.03.2020 was `3,541.92 Crore.
Independent Director Level 19, Senapati Bapat Marg, h. The amount which the Company can borrow under the Housing Finance
DIN: 00031213 Elphinstone Road, Mumbai - 400013
Companies (NHB) Directions, 2010 is equivalent to 14 times of the net owned
6. Mr. Ashwani Kumar Gupta #225, Zone-2, Tej Kumar Practicing Chartered Accountant funds which comes to `1,04,410 Crore whereas the amount of actual borrowing
Independent Director Plaza, Hazratganj, computed as per these Directions as on March 31, 2020 was `68,216.06 Crore.
DIN: 00108678 Lucknow - 226001 The total deposits from public which the Company can raise as per NHB
Directions is `22,373 Crore, whereas the actual public deposits held as on
7. Mrs. Shubhalakshmi Panse Flat No. 102, Chinar Building, Retired Bank Executive March 31, 2020 were `13,894.90 Crore (including unclaimed deposits).
Independent Director B-Co-operative Society,
DIN: 02599310 Crosswinds, Baner, Pune - 411045 i. There are no overdue deposits other than unclaimed deposits.
j. The Company declares that:
8. Mr. Tejendra Mohan Bhasin 331, Bhera Enclave, Retired Bank Executive
Independent Director Opp. Radisson Blu Hotel, .i) The Company has complied with the applicable provisions of the above
DIN: 03091429 Paschim Vihar, New Delhi-110087 Directions.
9. Mr. Neeraj Vyas B-1, 404, Balaji Skyz, Retired Bank Executive ii) The compliance with these Directions does not imply that repayment of
Non-Executive Non-Independent Director Pipliya Kumar, Indore, deposits is guaranteed by National Housing Bank.
DIN: 07053788 Madhya Pradesh – 452 010
iii) The deposits accepted by the Company are unsecured and rank pari passu
10. Mr. Sudarshan Sen 52 Vikas Building, Retired Bank Executive with other unsecured liabilities save and except the floating charge created
Independent Director 31 Pedder Road, on the statutory liquid assets maintained in terms of sub sections (1) & (2) of
DIN: 03570051 Mumbai 400026 Section 29B of the National Housing Bank Act, 1987.
iv) The Company is not in default in the repayment of deposit or part thereof
11. Mr. Kapil Modi 1004, Tiffany Building 2, Vasant Oasis, Investment Advisor
Non-Executive Nominee Director Makwana Road, Marol, J.B. Nagar, and any interest thereon in accordance with terms and conditions of such
DIN: 07055408 Andheri East, Mumbai – 400059 deposits.
v) The deposits solicited are not insured.
12. Mr. Hardayal Prasad PNB Housing Finance MD & CEO
th
MD & CEO Limited, 9 Floor, Antriksh Bhawan, PNB Housing Finance Limited vi) The Company is having as a valid certificate of Registration dated July 31,
DIN: 08024303 22 KG Marg, New Delhi - 110001 2001 issued by the National Housing Bank (NHB) under Section 29A of the
National Housing Bank Act, 1987. However, the NHB does not accept any
f . Profits of the Company before and after making provision for tax responsibility or guarantee about the present position as to the financial
and dividend declared by the Company for the three financial years soundness of the Company or for the correctness of any of the statements
immediately preceding the date of advertisement: or representations made or opinions expressed by the Company and for
repayment of deposits/discharge of the liabilities by the Company.
Financial year ended Profits (`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 27, 2020.
March 31, 2018 1234.58 842.14 90%
For and on behalf of Board of Directors
March 31, 2019 1578.05 1081.38 90%
New Delhi Sanjay Jain
March 31, 2020 825.00 682.31 NIL
27.06.2020 Company Secretary & Head Compliance
 Application for Public Deposits
For office use only
< Branch Name > Affix Affix Affix
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.

st
1 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
Gender Date of Birth/Incorporation
Applicant's Name (in block letters) M/F (DD/MM/YY)
1
2
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/Assosiations: 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 Aadhar 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 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.
4. 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

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. ______________________________t o receive the amount
of the deposit on behalf of the e vent of my/our/minor’s death during the minority of the nominee.
In case of non-submission of mandat ory KYC documents, the amount in vested 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

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 deposit or, please furnish the follo wing information.
Name(s) of the authorised signat ories Designation Specimen Signature(s)

1.
2.
3

Registered Office Address:

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

Version - 1.1.4