Pricing Supplement Number 63 Dated 04/04/2005

Filed under Rule 424(b)(3), Registration Statement(s) No. 333-104444, 333-104444-01, 333-104444-02, 333-123240, 333-123240-01 and 333-123240-02

Pricing Supplement Number 63 Dated 04/04/2005

(To: Prospectus dated March 21, 2005 and the Prospectus Supplement dated March 25, 2004)

Investors should read this pricing supplement in conjunction with the Prospectus and Prospectus Supplement.

 

CUSIP
Number

    Selling
Price
     Gross
Concession
     Net Proceeds
    Coupon
Type
    Coupon
Rate
     Coupon
Frequency
    Maturity
Date
    1st Coupon
Date
    1st
Coupon
Amount
    Survivor’s
Option
    Product
Ranking
    Moody’s
Rating
    S & P
Rating

74432AGU8

    100.000 %   0.400 %   $ 2,992,980.00    FIXED    4.100 %   SEMI-
ANNUAL		    4/15/2007    10/15/2005    $ 21.41    YES    Senior
Unsecured
Notes		    A3    A-

 

Redemption Information: Non-Callable.

 

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Financial Services Inc., Wachovia Securities, LLC

 

CUSIP
Number

    Selling
Price
     Gross
Concession
     Net Proceeds
    Coupon
Type
    Coupon
Rate
     Coupon
Frequency
    Maturity
Date
    1st Coupon
Date
    1st
Coupon
Amount
    Survivor’s
Option
    Product
Ranking
    Moody’s
Rating
    S & P
Rating

74432AGV6

    100.000 %   0.750 %   $ 1,045,102.50    FIXED    4.500 %   SEMI-
ANNUAL		    4/15/2009    10/15/2005    $ 23.50    YES    Senior
Unsecured
Notes		    A3    A-

 

Redemption Information: Non-Callable.

 

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Financial Services Inc., Wachovia Securities, LLC

 

CUSIP
Number

    Selling
Price
     Gross
Concession
     Net Proceeds
    Coupon
Type
    Coupon
Rate
     Coupon
Frequency
    Maturity
Date
    1st Coupon
Date
    1st
Coupon
Amount
    Survivor’s
Option
    Product
Ranking
    Moody’s
Rating
    S & P
Rating

74432AGW4

    100.000 %   2.500 %   $ 10,043,475.00    FIXED    5.800 %   SEMI-
ANNUAL		    4/15/2025    10/15/2005    $ 30.29    YES    Senior
Unsecured
Notes		    A3    A-

 

Redemption Information: Callable at 100.000% on 04/15/2009 and every interest payment date thereafter.

 

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Financial Services Inc., Wachovia Securities, LLC The Prudential Financial, Inc. InterNotes will be subject to redemption at the option of Prudential Financial, Inc., in whole on the interest payment date occurring 04/15/2009 and on every interest payment date thereafter at a redemption price equal to 100% of the principal amount of the Prudential Financial, Inc. InterNotes, plus accrued interest thereon, if any, upon at least 30 days’ prior notice to the noteholder and the trustee, as described in the prospectus.

 

Prudential Financial, Inc.

    Trade Date: Monday, April 04, 2005 @12:00 PM ET    Prudential Financial, Inc.

751 Broad Street

    Settle Date: Thursday, April 07, 2005    $1,000,000,000.00 Prudential Financial, Inc. InterNotes®

Newark NJ 07102

    Minimum Denomination/Increments: $1,000.00/$1,000.00   

Prospectus dated March 21, 2005 and the

Prospectus Supplement dated March 25, 2004

     Initial trades settle flat and clear SDFS: DTC Book Entry only     
     DTC number: 0443 via Pershing, LLC     
     If the maturity date or an interest payment date for any note is not a Business Day (as defined in the Prospectus), principal, premium, if any, and interest for that note is paid on the next Business Day, and no interest will accrue from, and after, the maturity date or interest payment date.     
     The Prudential Financial, Inc. InterNotes will be represented by a single master global note in fully registered form, without coupons. The master global note will be deposited with, or on behalf of, DTC and registered in the name of a nominee of DTC, as depository, or another depository as may be named in a subsequent pricing supplement.     
     All references to the Prospectus in the Prospectus Supplement shall be to the Prospectus dated March 21, 2005.     
     InterNotes® is a registered trademark of Incapital Holdings LLC. All rights reserved