Deposit Amount
Interest Rate
Interest Payout
Your Total Maturity Amount is
Your Total Maturity Amount is
Total Investment
Total Interest Earned

The PNB Housing Finance FD calculator can assist you in taking the right decision about your fixed deposit investment. It is essential to know your estimated returns before you book an FD. Thanks to the PNB Housing Finance fixed deposit calculator, you can do this with ease. 


This online tool helps you compute your earnings accurately and quickly. Knowing your returns beforehand can help you plan and manage your investment better. 


Using the fixed deposit calculator, you can estimate your interest returns and maturity amounts based on factors such as:

  • Deposit type

  • Applicable interest rates

  • Chosen tenor

  • Investment amount


So, when booking a fixed deposit, you can rely on the PNB Housing Finance FD calculator. By computing your returns based on the applicable interest rates, you can make the right decision. 

How Can a PNB Housing FD Calculator Help You?

With the PNB Housing FD calculator, you can save on time by eliminating manual calculations. By considering the applicable fixed deposit rates, it gives you speedy results about your payout. 


Taking strategic decisions about your financial future is easier using this digital instrument. Here are some of its many benefits.


Before booking a PNB Housing Finance FD online, you can quickly predict your interest earnings based on the interest rate, deposit amount, tenor and type. This convenience helps you make informed decisions in no time. 


Say you want to understand the difference in earnings based on the PNB Housing Finance FD rates for senior citizens against those for regular investors. This FD calculator provides results instantly and accurately so you can plan your investment better. 


You can also use the PNB Housing Finance FD calculator to compare how different issuers’ FD interest rates yield different earnings. This helps you choose the best fixed deposit for yourself.


If you are a beginner when it comes to investments, you can trust the PNB Housing Finance calculator to help you complete complex calculations within seconds. What’s more, you can use the calculator free of cost.


Furthermore, there are no restrictions on the usage limit of the calculator. Use it any number of times until you zero in on a specific plan.


How Does PNB Housing FD Calculator Work?

The PNB Housing Finance FD calculator works based on different factors that affect your returns. It uses a certain formula to compute your earnings taking these into consideration. The factors include the following.

  • Interest Rate

This is the percentage of returns you get when you book a PNB Housing Finance Fixed Deposit. Remember that interest rates vary according to your choice of tenor and type. 


As a rule of thumb, higher FD interest rates lead to higher earnings. 

  • Deposit Amount

The initial amount you invest in a fixed deposit is called the deposit amount. With a larger investment amount, your earnings will be higher and vice versa. 

  • Tenor

The duration for which you book a PNB housing finance FD is referred to as the tenor. Usually, the longer the tenor, the more you earn. 

  • FD Type

When booking your PNB housing finance FD, you can choose between a cumulative or non-cumulative deposit. These two types offer different payout frequencies. 


You get your payout at maturity when you opt for a cumulative PNB Housing FD. This means you get your interest earnings and your initial investment together when your fixed deposit matures, which is at the end of the tenor. 


However, in the case of a non-cumulative PNB housing finance FD, you get payouts at regular intervals. This could be every month or quarter. It could also be half-yearly or yearly. In this case, you get your interest payout at your chosen interval and the initial investment at maturity. 


With the help of all these factors, the PNB Housing Finance FD calculator computes your earnings. Now that you understand them, here is a detailed view of the formulae that form the crux of FD calculations.


Simple Interest Formula:

M = P + (P x r x t/100)


Here, ‘M’ indicates the maturity amount, ‘P’ stands for the principal deposit amount, ‘r’ for the interest rate and ‘t’ for the tenor of your fixed deposit.

Consider the following example:


  • P = ₹1,00,000

  • r = 10%

  • t = 5 years

Hence, M = 1,00,000 + (1,00,000 x 10 x 5/100)

M = ₹1,50,000


Compound Interest Formula:

M = P + P [(1 + r/100) ^(t) - 1]


Considering the same values, let’s assume the payout frequency to be non-cumulative in the following example:


  • P = ₹1,00,000

  • r = 10%

  • t = 5 years

Hence, M = ₹1,61,000

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How to Use the PNB Housing FD Calculator?

The PNB Housing Finance FD calculator is a convenient online tool for seamlessly calculating your fixed deposit returns. Here is how you can use the PNB Housing Finance Fixed Deposit calculator.

  • Step 1: Insert the Deposit Amount

    Enter the amount you want to invest in a PNB Housing Finance Fixed Deposit.

  • Step 2: Pick a Tenor

    Choose your preferred investment timeline in the form of years or months.

  • Step 3: Enter the Interest Rate

    Enter the interest rate before initiating the automatic calculation.

  • Step 4: View the Interest Earnings and Maturity Amount

    The interest payout and maturity amount are displayed on your screen within seconds.

Return Comparison

Comparing your returns is hassle-free when you use an online FD calculator. You can access the PNB Housing FD calculator to help you understand how easy it is to compare your earnings across tenors at varying interest rates.


Consider an  investment of ₹2 Lakhs for various tenors at applicable PNB Housing FD rates for non-senior citizens.

Tenor (in months)

Applicable interest rates (%p.a.)

Interest earnings (Returns)

Maturity amount













Considering the same example of ₹2 Lakhs for a senior citizen investor, here is a look at your returns. 

Tenor (in months)

Applicable interest rates (%p.a.)

Interest earnings (Returns)

Maturity amount













This way, you can easily compare your returns and choose the FD terms that best suit your financial requirements.

PNB Housing Fixed Deposit Calculation for 5 Years

Here is a detailed calculation of how your interest will compound over 5 years in a PNB Housing Finance FD on booking an FD of ₹1 Lakh. 


These calculations are based on the results of the PNB Housing FD calculator considering interest rates of  7.65% p.a. (non-senior citizens) and 7.95% p.a.

Year of Tenor

Interest Earned (Senior Citizens)

Interest Earned (Non-senior Citizens)

Maturity Amount (Senior Citizens)

Maturity Amount (Non-senior Citizens)

Year 1





Year 2





Year 3





Year 4





Year 5





Advantages of Using the PNB Housing Finance FD Calculator

Here are a few benefits of using this online calculator to estimate your returns:

  • Reliable results that you can bank on 

  • Helps with quick comparison of maturity amounts 

  • Allows you to use it as many times as you need 

  • Provides results instantly

  • Helps you save time and effort in comparison to manual calculations

  • Aids you in choosing the right type of FD to grow your wealth 


The information provided by BFDL herein above is related to the partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial investment advice or endorsement of any sort. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. in the content mentioned hereinabove, as well as offers by the partnered Banks/ NBFCs. "YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED.”

FAQs on PNB Housing Finance FD Calculator

How is the FD maturity amount calculated?

The FD maturity amount is calculated using the simple and the compound interest formula. Each formula represents a specific type of fixed deposit.

However, using the formula to calculate the maturity amount manually can be time-consuming. So, using the PNB Housing Finance FD calculator is the ideal option.

Do PNB Housing Finance fixed deposits offer monthly interest payouts?

Yes, PNB Housing Finance FDs offer monthly payouts. You can opt for monthly, quarterly, half-yearly and annual payouts in a non-cumulative fixed deposit.

Can a PNB Housing Finance calculator be used on any device?

Yes, the PNB Housing Finance FD calculator can be used on any device, including mobile phones, desktop computers, laptops, etc.

Can a person who does not know much about FDs use this calculator?

Calculating your interest returns and maturity amount is convenient, automatic and quick using the PNB Housing Finance FD calculator, even if you are new to fixed deposits.

Is there a limit on the number of times I can use this calculator?

No, there is no limit on how many times you can use the PNB Housing Finance fixed deposit calculator.

Is there a fee for using this calculator?

There is no amount chargeable for using the fixed deposit calculator. So, you can use it as often as you want free of charge.

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