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PNB e- Against Fixed Deposit

An overdraft credit line against one eligible PNB fixed deposit, available digitally from ₹25,000 up to ₹50 lakh with a rate one percentage point above the linked deposit rate.

RateApplicable interest rate on the linked FDR plus 1 percentage point; PNB's example shows a 6.00% FDR producing a 7.00% e-OD rate.Maximum amount₹25,000 minimum and ₹50 lakh maximum per customer, after maintaining the applicable FDR margin.TenureMaximum advance period is the residual maturity period of the linked fixed deposit; the overdraft auto-closes on the FDR maturity date.
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Quick eligibility check

PNB e- Against Fixed Deposit

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Not applicable?

Published source: Minimum income

2Are you applying through the fixed-deposit route described here?

Published source: Minimum income

3Do you meet this requirement: Only the individual depositor in whose name the stands may use the facility?

4Do you meet this requirement: no third-party advance is permitted?

5Do you meet this requirement: A natural or court-appointed guardian may use a minor's for the minor's benefit?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byPunjab National Bank

India; PNB One and eligible digital banking channels

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeDigital overdraft against one eligible PNB offline or online fixed deposit, with optional UPI credit-line linking.View source
The current page allows an account to be linked to under Credit Line and permits one against one .
Source
PNB e- — Loan Against Offline/Online Fixed Deposit
Page / section
Features/Guidelines
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RateApplicable interest rate on the linked FDR plus 1 percentage point; PNB's example shows a 6.00% FDR producing a 7.00% e-OD rate.View source
The official page states is 1% above the applicable deposit and provides the 6% to 7% example.
Source
PNB e- — Loan Against Offline/Online Fixed Deposit
Page / section
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkThe linked fixed-deposit interest rate plus 1 percentage point; no separate lending benchmark is published for this secured overdraft.View source
PNB prices the overdraft directly against the applicable rate rather than naming or .
Source
PNB e- — Loan Against Offline/Online Fixed Deposit
Page / section
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR percentage or calculation for PNB e-OD against FD.View source
The page publishes the deposit-linked formula but no calculation.
Source
PNB e- — complete rate review
Page / section
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNot applicable; the facility is secured by an eligible fixed deposit and the official page does not require a salary or income threshold.View source
The page defines eligibility by depositor and ownership, not by income.
Source
PNB e- — Loan Against Offline/Online Fixed Deposit
Page / section
Eligibility and Features/Guidelines
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹25,000 minimum and ₹50 lakh maximum per customer, after maintaining the applicable FDR margin.View source
The current page publishes the ₹25,000 minimum and ₹50 lakh per-customer maximum.
Source
PNB e- — Loan Against Offline/Online Fixed Deposit
Page / section
Loan amount
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum advance period is the residual maturity period of the linked fixed deposit; the overdraft auto-closes on the FDR maturity date.View source
PNB limits the advance to the residual period and states automatic closure at maturity.
Source
PNB e- — Loan Against Offline/Online Fixed Deposit
Page / section
Maximum advance period and closure
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNo processing or documentation charges.View source
The current page states no processing/documentation charges.
Source
PNB e- — Loan Against Offline/Online Fixed Deposit
Page / section
Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published as a separate prepayment charge; the official terms instead require closure at FDR maturity and restrict voluntary closure before maturity except for specified margin-erosion or branch-request cases.View source
The special terms describe maturity closure and limited premature- closure but do not publish a separate prepayment fee.
Source
PNB e- against — Special Terms and Customer Procedure
Page / section
Closure and premature closure
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹25,000 minimum and ₹50 lakh maximum per customer
  • Age 18–70 years
  • One overdraft against one fixed deposit; no combining multiple
  • Rate is the linked rate plus 1 percentage point
  • Margin 5%–20% depending on online/offline residual maturity
  • Advance runs only until the residual period and auto-closes on maturity
  • No processing or documentation charges
  • credit-line linking is permitted

Eligibility

  • Only the individual depositor in whose name the stands may use the facility; no third-party advance is permitted. A natural or court-appointed guardian may use a minor's for the minor's benefit.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Eligible PNB offline or online fixed-deposit account
  • Digital consent and linked operative account
  • Guardian undertaking where the deposit is in a minor's name

Related official documents

PNB e-OD — Loan Against Offline/Online Fixed Depositofficial-product-page · current · accessed 30 Aug 2026
↗
PNB e-OD against FD — Special Terms and Customer Procedureofficial-terms-document · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Eligibility · Published termIndividual depositor against own PNB ; age 18–70; one against one

This value is copied from PNB e- against — published terms. Check the table notes before relying on it.

Source: PNB e- — Loan Against Offline/Online Fixed Deposit · Features/Guidelines and linked special terms Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 7 rows · 2 columnsPNB e-OD against FD — published termsCurrent limit, margin, pricing, tenure and operating rules from the official e-OD page and special terms.View tableHide table

Scroll sideways to view every column

PNB e-OD against FD — published terms
ParameterPublished term
EligibilityIndividual depositor against own PNB ; age 18–70; one against one
Limit₹25,000–₹50 lakh per customer after margin
MarginOffline : 10% up to 3-year residual maturity, 20% above 3 years; online : 5% up to 2 years, 7.5% above 2 years up to 3 years
RateLinked + 1 percentage point
TenureResidual maturity; auto-closes on maturity
ChargesNo processing or documentation charges
OperationsAvailable through PNB One; online also through Internet Banking; no third-party advance; no partial withdrawal
PNB e- — Loan Against Offline/Online Fixed Deposit · Features/Guidelines and linked special terms · accessed 30 Aug 2026Open official source ↗

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