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Punjab National Bank FD Rates
Punjab National Bank (PNB) offers domestic fixed deposit interest rates ranging from 3.00% to 6.60% p.a. for regular citizens and 3.50% to 7.10% p.a. for senior citizens, effective from 01st June, 2026. Super Senior Citizens get up to 7.40% p.a. for super senior citizens on deposits under ₹3 crore.
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FD Interest Rates
- PNB FD Interest Rates
PNB Fixed Deposit Interest Rates
Punjab National Bank FD interest rates have been revised on June 1, 2026, for general and senior citizens for deposits below 3 crore (last verified in August):
| Tenure | General Citizens Rate (p.a.) | Senior Citizens Rate (p.a.) |
| 7 to 14 Days | 3.00% | 3.50% |
| 15 to 45 Days | 3.00% | 3.50% |
| 46 to 90 Days | 4.50% | 5.00% |
| 91 to 154 Days | 4.90% | 5.40% |
| 155 Days | 5.55% | 6.05% |
| 156 Days to 179 Days | 4.90% | 5.40% |
| 180 to 270 Days | 5.60% | 6.10% |
| 271 Days to 302 Days | 5.60% | 6.10% |
| 303 Days | 5.55% | 6.05% |
| 304 Days to >1 Year | 5.60% | 6.10% |
| 1 Year | 6.25% | 6.75% |
| >1 Year to 389 Days | 6.30% | 6.80% |
| 390 Days | 6.30% | 6.80% |
| 391 Days to 443 Days | 6.30% | 6.80% |
| 444 Days | 6.60% (Highest) | 7.10% (Highest) |
| 445 Days to 665 Days | 6.30% | 6.80% |
| 666 Days | 6.50% | 7.00% |
| 667 Days to 2 Years | 6.30% | 6.80% |
| >2 to 3 Years | 6.30% | 6.80% |
| >3 Years to 1203 Days | 6.35% | 6.85% |
| 1204 Days | 6.30% | 6.80% |
| 1205 Days to 5 Years | 6.35% | 6.85% |
| >5 Years to 10 Years | 6.00% | 6.80% |
*PNB FD interest rates w.e.f. 01, May 2026
Punjab National Bank highest FD rate is on its 444-day special FD, offering 6.60% p.a. for general citizens, 7.10% p.a. for seniors, and up to 7.40% for super senior citizens.
Punjab National Bank FD Interest Rates: Key Highlights
Below are the important things you should know about PNB fixed deposit interest rates:
| Features | Details |
| FD interest rates | 3.00% - 6.60% p.a. |
| Additional rate for senior citizens | 0.50% |
| Deposit Tenure | 7 days to 10 years |
| Minimum Deposit | ₹100 |
| Interest payout options | Monthly, half-yearly, yearly, cumulative |
| Premature Withdrawal | PNB Premature withdrawal is allowed with a 1% penalty |
| Loan against FD | Yes, PNB loan against FD is available |
| Sweep-in/Sweep-out | Auto-sweep available |
| Secure Credit Options | Available through PNB credit card on FD |
How are PNB Interest Rates Decided?
Punjab National Bank sets its fixed deposit (FD) interest rates based on market conditions, the latest RBI policy, and internal bank decisions. Some of the major factors are:
- RBI Policy: Changes to the Reserve Bank of India repo rate directly affect bank rates.
- Cash Flow Needs: Rates move up or down based on how much cash the bank has and loan demand.
- Deposit Time Period: Rates change with the time limit you choose. Special time periods (like 444 days) often pay the highest interest, which are different from every bank’s FD interest rates.
- Deposit Amount: Deposits under 3 Crore Rupees get standard rates. Larger amounts get separate rates.
- Benefits for Seniors:
- Senior Citizens (60 to 80 years): Extra interest margin above standard rates.
- Super Senior Citizens (80+ years): Additional interest bonus on top of senior citizen rates.
PNB FD Rates for Deposits ₹3 Crore to Less Than ₹10 Crore
Below is a detailed table showing the latest PNB FD interest rates for above ₹3 crore for general citizens and PNB Uttam scheme, effective from 14th March, 2026 (last verified in August):
| Tenure | General Citizen (Callable) | PNB Uttam (Non-Callable) Fixed Deposit Scheme |
| 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 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% |
| 303Days | 5.95% | 6.00% |
| 304 Days to < 1 Year | 6.00% | 6.05% |
| 1 Year | 6.25% | 6.30%% |
| >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% (Highest) | 6.65% (Highest) |
| 445 Days to 2 Years | 6.15% | 6.20% |
| >2 Years to 3 Years | 6.05% | 6.10% |
| >3Years to 1203 Days | 5.35% | 5.40% |
| 1204 Days | 5.30% | 5.35% |
| 1205 Days to 5 Years | 5.35 | 5.40% |
| >5 Years to 10 Years | 5.60% | 5.65% |
PNB FD interest rates w.e.f 14 March, 2026. The rates for ₹3 Crore to ₹10 Crore are not to be loaded with an additional rate of interest for senior citizens.
The highest FD rate of Punjab National Bank for general citizens is on its 444-day tenure FD, up to 6.60% p.a. for general citizens and 6.65% p.a. for PNB Uttam (Non Callable)
Interest Rates for PNB Tax-Saving FD
The Punjab National Bank Tax Saver FD offers interest rates between 6.00% and 6.10% p.a. for the general public and 6.35% and 6.85% p.a. for senior citizens on its 5-year fixed tenure. You can begin with as little as ₹100 and deposit up to ₹1.5 lakh in a financial year under Section 123 (previously Section 80C) of the Income Tax Act.
PNB Senior Citizen FD Rates
Punjab National Bank senior citizen fixed deposit (FD) interest rates range from 3.50% to 7.10% p.a. and from 3.80% p.a. to 7.40% p.a. for super senior citizens for domestic deposits under ₹3 crore. Senior citizens (ages 60 to 79) get an extra 0.50% interest for deposits up to 5 years, and 0.80% for terms over 5 years. Super senior citizens (ages 80 and above) get 0.80% extra interest across all deposit tenures.
PNB Pranam Fixed Deposit Scheme
PNB Prospective Senior Citizen FD Scheme allows individuals aged 55 years to 59 years to open a fixed deposit for 1 year to 10 years. You earn standard interest rates initially. As soon as you turn 60, the bank automatically adds the extra 0.50% senior citizen interest bonus to your payout for the remaining period.
Punjab National Bank Senior Citizen FD Rates Below ₹3 Cr.
PNB offers the highest FD rates to senior citizens up to 7.10% p.a. and 7.40% p.a. for super senior citizens on deposits below ₹3 crore, on the tenure of 5 years to 10 years, effective from June 01, 2026 (last verified in August):
| Tenure | Senior Citizens Rates (p.a.) | Super Senior Citizens Rates (p.a.) |
| 7 to 14 Days | 3.50% | 3.80% |
| 15 to 45 Days | 3.50% | 3.80% |
| 46 to 90 Days | 5.00% | 5.30% |
| 91 to 154 Days | 5.40% | 5.70% |
| 155 Days | 6.05% | 6.35% |
| 156 Days to 179 Days | 5.40% | 5.70% |
| 180 to 270 Days | 6.10% | 6.40% |
| 271 Days to 302 Days | 6.10% | 6.40% |
| 303 Days | 6.05% | 6.35% |
| 304 Days to >1 Year | 6.10% | 6.40% |
| 1 Year | 6.75% | 7.05% |
| >1 Year to 389 Days | 6.80% | 7.10% |
| 390 Days | 6.80% | 7.10% |
| 391 Days to 443 Days | 6.80% | 7.10% |
| 444 Days | 7.10% (Highest) | 7.40% (Highest) |
| 445 Days to 665 Days | 6.80% | 7.10% |
| 666 Days | 7.00% | 7.30% |
| 667 Days to 2 Years | 6.80% | 7.1% |
| >2 to 3 Years | 6.80% | 7.10% |
| >3 Years to 1203 Days | 6.85% | 7.15% |
| 1204 Days | 6.80% | 7.10% |
| 1205 Days to 5 Years | 6.85% | 7.15% |
| >5 Years to 10 Years | 6.80% | 6.80% |
PNB senior citizens FD rates w.e.f. 01st June, 2026
The highest rate of Punjab National Bank senior citizens FD is on the 444-day tenure which is up to 7.10% p.a. for senior citizens an 7.40% p.a. for super senior citizens on deposits below ₹3 crore.
Frequently Asked Questions
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What are the current PNB FD interest rates?
The latest Punjab National Bank fixed deposit interest rates range from 3.00% to 6.60% p.a. for general citizens and 3.50% to 7.10% p.a. for senior citizens. -
Is a PNB Short-Term FD better than keeping money in a Savings Account?
Yes, for funds you don't need for at least 7–45 days, a PNB Short-Term FD is generally superior. While a standard savings account offers around 2.50%, a PNB FD can offer up to 4.50% for a 46-day commitment. Additionally, you can still access your money via a 90% loan or overdraft facility. -
What is the PNB 444 Days FD Scheme?
Punjab National Bank special FD scheme, like “PNB 444 Days FD”, with a fixed tenure of 444 days, which provides the highest rate of 6.60% p.a. -
What is the current PNB 390-day FD interest rate?
The current PNB 390-day FD interest rate is 6.30% p.a. for general citizens, 6.80% p.a. for senior citizens, and 7.10% p.a. for super senior citizens for deposits below ₹ 3 crore. -
Which FD is better in Punjab National Bank?
Punjab National Bank offers various FDs, including PNB Pranam for prospective senior citizens, PNB Uttam (Non-Callable) for high-value deposits, and Tax Saver FD for Section 123 (previously Section 80C) benefits. The choice depends on the investor’s financial goals and requirements. -
What is the penalty for premature FD withdrawal in PNB?
PNB charges a penalty of 0.5% to 1% on premature FD withdrawals, depending on the deposit amount and tenure. There is no penalty for senior citizens, staff members, or in case of the depositor’s death.
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* 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.
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##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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