Punjab and Sind Bank Special FD Schemes 2025

What are Punjab and Sind Bank Special FD Schemes?

Punjab and Sind Bank offers a range of special fixed deposit schemes that differ from regular FDs through unique tenures and added benefits. These schemes, such as the 375-day deposit and 444-day deposit, are introduced for specific periods and provide risk-free returns. Investors often refer to the Punjab and Sind Bank FD rates to assess potential returns. They also use the Punjab and Sind Bank FD rates 444 days calculator to compare short- and medium-term savings options that offer guaranteed growth without market risks.

Punjab and Sind Bank Special FD Schemes Interest Rates 2025

Punjab and Sind Bank special deposits offer guaranteed returns and provide higher earnings than a regular savings account, with higher interest rates available for senior and super senior citizens. Below are the latest FD interest rates on Punjab and Sind Bank Special FDs for deposits below ₹3 crore:

Punjab and Sind Bank 375 Days FD Interest Rates

The 375-day FD in Punjab and Sind Bank is a short-term deposit with a competitive rate and guaranteed return.

Punjab and Sind Bank FD rates w.e.f. October 1, 2025

Punjab and Sind Bank 444 Days FD Interest Rates

The 444-day FD is a medium-term deposit that offers higher returns with flexible investment options.

Punjab and Sind Bank FD rates w.e.f. October 1, 2025

Punjab and Sind Bank 777 Days FD Interest Rates

The 777-day deposit provides a balance between short and long-term investing, offering consistent and safe returns.

Punjab and Sind Bank FD rates w.e.f. October 1, 2025

Punjab and Sind Bank 999 Days FD Interest Rates

The 999-day deposit gives a good mix of short- and long-term savings, helping you earn steady and safe returns over time.

Punjab and Sind Bank FD rates w.e.f. October 1, 2025

PSB Green Earth Interest Rates

The 22-month, 44-month, and 66-month deposit options provide a balanced approach between short- and long-term investing, offering steady and secure returns. These flexible tenures cater to varying financial goals from short-term savings to medium-term wealth growth.

Punjab and Sind Bank FD rates w.e.f. October 1, 2025

Illustrations for Punjab and Sind Bank FD Schemes

To understand how the Punjab and Sind Bank Special FD Schemes generate final returns, let us examine how interest is calculated across different tenures. The calculations below highlight how both short-term and long-term deposits work in practice:

Illustration 1: PSB 444 Days FD

The 444 Days Fixed Deposit offered by Punjab and Sind Bank is designed for customers seeking better short-term yields without locking funds for several years. With a duration slightly over one year, it provides a balanced mix of flexibility and return potential.

Assume an investor deposits ₹1,30,000 for 444 days. Using the Punjab and Sind Bank FD rates 444 days calculator, the expected returns are as follows:

Simple Interest (General Citizen, 6.60% p.a.)

SI = (₹1,30,000 × 6.60 × 1.22) / 100 = ₹10,467.60

Maturity Value = ₹1,30,000 + ₹10,467.60 = ₹1,40,467.60

Compound Interest (Quarterly Compounding, 6.60% p.a.)

A = ₹1,30,000 × (1 + 0.066/4)^(4 × 1.22)

A ≈ ₹1,40,560

Compound Interest Earned = ₹10,560

For senior citizens, the effective rate of 7.25% p.a. would yield a maturity value of approximately ₹1,41,200, while super senior citizens at 7.50% p.a. could earn close to ₹1,41,600 upon maturity.

Illustration 2: PSB Green Earth Scheme (66 Months FD)

The PSB Green Earth Scheme is a longer-duration deposit suitable for investors who prefer steady, compounding growth over time. With a 66-month tenure, it promotes sustainable saving with rewarding returns.

If a depositor invests ₹1,20,000 for 66 months at 6.10% p.a. (general citizen), the maturity value can be estimated as follows:

Simple Interest (General Citizen, 6.10% p.a.)

SI = (₹1,20,000 × 6.10 × 5.5) / 100 = ₹40,260

Maturity Value = ₹1,20,000 + ₹40,260 = ₹1,60,260

Compound Interest (Quarterly Compounding, 6.10% p.a.)

A = ₹1,20,000 × (1 + 0.061/4)^(4 × 5.5)

A ≈ ₹1,61,050

Compound Interest Earned = ₹41,050

For senior citizens, the maturity amount at 6.60% p.a. is approximately ₹1,62,200, while for super senior citizens earning 6.85% p.a., the total grows to around ₹1,63,100 on maturity.

Key Features of Punjab and Sind Bank Special FD Schemes

Punjab and Sind Bank offers a variety of fixed deposit options designed to meet diverse financial goals with flexibility and security.

• Fixed Tenures: Special FDs with durations like 444 and 999 days offer predictable and stable returns for planned investments.
• Low Minimum Deposit: Customers open an FD with just ₹1,000, making it accessible for beginners and small-scale investors. However, certain special schemes, such as the PSB Green Earth Deposit, require a higher minimum investment amount of ₹10,000.
• Loan Facility: Customers can avail loans or overdrafts up to 90% of their FD value without breaking the deposit.
• Auto-Renewal Option: Investors can choose automatic renewal of their FD on maturity to ensure the uninterrupted growth of their funds.
• Nomination & Joint Account: Both facilities are available, allowing flexible account management and easier succession for family members.

Key Takeaways

Punjab and Sind Bank Special FD Schemes 2025 offer safe and rewarding opportunities for investors seeking higher returns on short- and medium-term deposits. These schemes cater to investors who value security, stable growth, and flexibility, with options to access liquidity through loans against deposits. By using the Punjab and Sind Bank FD rates 444 days calculator, customers can easily estimate potential returns and select the most suitable fixed deposit plan aligned with their financial goals.