| Facility Name | PNB e-OD Against Offline Fixed Deposit |
| Facility Type | Electronic Overdraft (e-OD) against Offline Fixed Deposit (FDR) |
| Eligible Borrower | Individual depositor against deposit held in his/her own name singly |
| Age | 18 to 70 years |
| Minimum Loan Amount | ₹25,000 |
| Maximum Loan Amount | ₹50 lakh per customer |
| Security | Offline/Online FDR held with PNB |
| Margin – Offline FDR | 10% where remaining maturity is up to 3 years |
| Margin – Offline FDR | 20% where remaining maturity is above 3 years |
| Margin – Online FDR | 5% where remaining maturity is up to 2 years |
| Margin – Online FDR | 7.5% where remaining maturity is above 2 years and up to 3 years |
| Interest Rate | 1% above the applicable interest rate on the deposit |
| Example | If FDR interest rate is 6.00%, e-OD interest rate will be 7.00% |
| Maximum Advance Period | Residual period of the FDR |
| Processing Charges | Nil |
| Documentation Charges | Nil |
| Application through PNB ONE | e-OD can be availed against offline and online FDRs through PNB ONE |
| Application through Internet Banking | e-OD against online FDR can also be availed through Internet Banking |
| UPI Facility | e-OD account can be linked to UPI under the Credit Line option |
| Closure | e-OD is automatically closed on the maturity date of the linked FDR |
| Key Benefit | Customer can obtain funds against the FDR without immediately breaking the deposit |
| Last Updated | 23 February 2026 |
