Punjab National Bank fixed deposit interest rates range from 3.00% to 6.60% p.a. for the general public and 3.50% to 7.10% p.a. for senior citizens, with tenures ranging from 7 days to 10 years. The interest rate on PNB Tax Saving FDs is from 6.00% to 6.10% for the general public and from 6.50% to 6.60% for senior citizens.
PNB Fixed Deposit is a secure savings option that helps grow your money with fixed returns through competitive FD interest rates, without being affected by market fluctuations. It is available to individuals, minors, and joint account holders. Senior citizens get an additional 0.50% over the appropriate rate and super senior citizens (80 years & above) get an additional 0.80%. PNB also offers unique FD plans, tax saving deposits, loan or overdraft facility against qualified FDs, variable interest payment alternatives and premature withdrawal as per the terms and circumstances of the bank.
Punjab National Bank often offers even higher rates on special tenures, such as 444 days. PNB Uttam gives premium returns on non-callable deposits. For added flexibility, the bank allows you to choose your interest payout frequency, withdraw prematurely if needed, and even avail instant loans or overdrafts of up to 90% of your FD value. Punjab National Bank FD has certain features and rates that may change based on RBI policies.
7 days to 10 years
₹100
Up to 5 crore
Yes Available
Up to 90%
0.50% additional interest
PNB FD interest rates have been revised on June 1, 2026. Punjab National Bank's 444-day special FD scheme offers its highest returns: 6.60% for general citizens, 7.10% for seniors, and a peak 7.40% for super senior citizens.
Below is a detailed table showing the latest PNB FD interest rates, revised for above ₹3 crore with the rates effective from 1st June, 2026
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 3.00% | 3.50% |
| 15 Days to 45 Days | 3.00% | 3.50% |
| 46 Days to 90 Days | 4.50% | 5.00% |
| 91 Days to 154 Days | 4.90% | 5.40% |
| 155 Days to 155 Days | 5.55% | 6.05% |
| 156 Days to 179 Days | 4.90% | 5.40% |
| 180 Days to 270 Days | 5.60% | 6.10% |
| 271 Days to 302 Days | 5.60% | 6.10% |
| 303 Days to 303 Days | 5.55% | 6.05% |
| 304 Days to 364 Days | 5.60% | 6.10% |
| 365 Days to 365 Days | 6.10% | 6.60% |
| 366 Days to 389 Days | 6.30% | 6.80% |
| 390 Days to 390 Days | 6.40% | 6.90% |
| 391 Days to 730 Days | 6.30% | 6.80% |
| 731 Days to 1095 Days | 6.30% | 6.80% |
| 1096 Days to 1203 Days | 6.10% | 6.60% |
| 1204 Days to 1204 Days | 6.05% | 6.55% |
| 1825 Days to 1825 Days | 6.10% | 6.60% |
| 1205 Days to 1825 Days | 6.10% | 6.60% |
| 1824 Days to 1894 Days | 6.00% | 6.50% |
| 1895 Days to 1895 Days | 6.00% | 6.50% |
| 1826 Days to 3650 Days | 6.00% | 6.80% |
| 1896 Days to 3650 Days | 6.00% | 6.50% |
| Tenure | General Citizen: Callable | General Citizen: Non-Callable |
| 7 days to 14 days | 4.50% | NA |
| 15 days to 45 days | 5.00% | NA |
| 46 days to 90 days | 5.00% | NA |
| 91 days to 154 days | 5.00% | 5.05% |
| 155 days | 5.55% | 5.60% |
| 156 days to 179 days | 5.00% | 5.05% |
| 180 days to 270 days | 5.80% | 5.85% |
| 271 days to 302 days | 6.00% | 6.05% |
| 303 days | 5.95% | 6.00% |
| 304 days to less than 1 year | 6.00% | 6.05% |
| 1 year | 6.25% | 6.30% |
| More than 1 year to 389 days | 6.15% | 6.20% |
| 390 days | 6.20% | 6.25% |
| 391 days to 443 days | 6.15% | 6.20% |
| 444 days | 6.60% | 6.65% |
| 445 days to 2 years | 6.15% | 6.20% |
| More than 2 years to 3 years | 6.05% | 6.10% |
| More than 3 years to 1,203 days | 5.35% | 5.40% |
| 1,204 days | 5.30% | 5.35% |
| 1,205 days to 5 years | 5.35% | 5.40% |
| More than 5 years to 10 years | 5.60% | 5.65% |
PNB FD interest rates w.e.f 14 March, 2026. The rates for Rs. 3 Crore to Rs. 10 Crore are not to be loaded with an additional rate of interest for Sr. Citizens, staff accounts, etc.
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.45% |
| ICICI Bank | 2.75% | 6.5% |
| HDFC Bank | 2.75% | 6.45% |
| Axis Bank | 3% | 6.45% |
| Punjab National Bank | 3% | 6.4% |
| Kotak Mahindra Bank | 2.75% | 6.7% |
| Yes Bank | 3.25% | 7% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.45% |
| Union Bank of India | 2.75% | 6.3% |
| Bank of India | 3% | 6.7% |
| Canara Bank | 4% | 7.25% |
| IDFC Bank | 3% | 7% |
| IDBI Bank | 3% | 6.55% |
| Indian Overseas Bank | 2.9% | 6.6% |
| Bank of Maharashtra | 2.6% | 6.65% |
| Central Bank of India | 3% | 6.5% |
| Punjab and Sind Bank | 2.85% | 6.6% |
| UCO Bank | 2.9% | 6.45% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.75% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| Tamilnad Mercantile Bank | 4% | 7.1% |
| Karnataka Bank | 3.5% | 6.65% |
| Abhyudaya Cooperative Bank | 3.75% | 6.35% |
| Shriram Finance Ltd | 6.85% | 7.5% |
| Bajaj Finance Ltd | 6.6% | 7.4% |
| Mahindra Finance Ltd | 6.4% | 7.25% |
| AU Small Finance Bank | 3.5% | 7.1% |
| Fincare Small Finance | 3% | 8.61% |
| Utkarsh | 4% | 7.5% |
| Unity Small Finance Bank | 4% | 7.25% |
| Suryoday Small Finance Bank | 4% | 8.1% |
| DCB Bank | 3.75% | 7.5% |
| Equitas Small Finance Bank | 3.5% | 7.3% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.6% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.9% |
| Shivalik Small Finance Bank | 3.5% | 7.5% |
| Ujjivan Small Finance Bank | 3.5% | 7.45% |
*FD interest rates w.e.f. August 2026 (for general public, domestic FDs < ₹3 Cr).
You can enjoy several key benefits when you open a Punjab National Bank FD. A few of them are explained below:
Follow these easy steps to open a Fixed Deposit with Punjab National Bank (PNB), whether you’re an existing account holder or a new customer.
The online method is easy, and you can apply by sitting at home with the help of internet banking or through the Punjab National Bank mobile application. Read the steps to understand :
This offline method is for both New and Existing Customers, where you just need to visit your nearest Punjab National Bank branch. Follow the steps to understand :
Below are the eligible individuals and entities who can apply for the Punjab National Bank FD. Check to avoid any confusion -
Punjab National Bank Fixed Deposits offer FD interest rates up to 7.40% p.a. for qualifying super senior citizens with flexible tenures from 7 days to 10 years. There are different FD schemes offered to the investors such as tax saving FD, NRE FD, FCNR(B) FD and special deposits. Additional benefits include loans against qualified FDs, auto sweep-in/sweep-out capabilities and premature withdrawal subject to the applicable terms and conditions of the bank. Check the PNB senior citizens FD interest rates for more details and benefits.
10 Feb 2026
The fixed deposit interest rates in India are generally between
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
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