PNB Anupam Term Deposit Scheme

The PNB Anupam Term Deposit Scheme is a fixed deposit option offered by Punjab National Bank (PNB) in India. It caters to a wide range of individuals and entities, including sole proprietors, partnerships, companies, and trusts. Anupam scheme offers a unique advantage: an overdraft facility. The interest rates offered are linked to PNB's base rate and can vary depending on the deposit tenure and your profile (senior citizens may get better rates).

Returns as high
as 6.9%^*

Includes life cover

Completely Tax free⁺

Maximum returns Offered by Guaranteed

Highest

6.9%^*

Guaranteed Plan

(by insurance companies)

(10 Years)

6.5%^**

Fixed Deposits

(by SBI bank)

(5-10 Years)

6.9%^***

Public Provident Fund

(other popular options)

(15 Years)

Get Guaranteed returns up to 6.9%*

Fully Tax-Free* (unlike FD), Life Cover Included

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Policies Sold

FD Interest Rates of Domestic/NRO (Below Rs. 3 Crore) W.E.F. 10.06.2024

Tenure	Regular Rates Current Rates	Senior Citizen
7 Days to 14 Days	3.25%	3.75%
15 Days to 29 Days	3.25%	3.75%
1 Month to 2 Months	3.25%	3.75%
2 Months to 2 Months	4.50%	5.00%
2 Months to 3 Months	4.50%	5.00%
3 Months to 6 Months	4.90%	5.40%
6 Months to 9 Months	5.80%	6.30%
9 Months to 10 Months	6.00%	6.50%
10 Months	5.90%	6.40%
10 Months to 12 Months	6.00%	6.50%
1 Year	6.40%	6.90%
1 Year to 1.1 Years	6.40%	6.90%
1.1 Years	6.60%	7.10%
1.1 Years to 1.4 Years	6.40%	6.90%
1.4 Years	6.30%	6.80%
1.4 Years to 2 Years	6.40%	6.90%
2 Years to 3 Years	6.40%	6.90%
3 Years to 3.3 Years	6.50%	7.00%
3.3 Years	6.40%	6.90%
3.3 Years to 5 Years	6.50%	7.00%
5 Years	6.50%	7.00%
5 Years to 5.2 Years	6.00%	6.80%
5 Years to 5.2 Years	6.50%	7.00%
5.2 Years	5.85%	6.65%
5.2 Years to 10 Years	6.00%	6.80%

Information About

Fixed Deposits, Guaranteed Return Plans & Debt Mutual Fund

Guaranteed Return Plans, Fixed Deposits &
Debt Mutual Fund

Guaranteed Return Plans

Returns Before Tax

6.9%* ^(TAX-FREE)

Returns After Tax

6.9%*

Guaranteed Returns

Yes

Life Cover

Yes

Tax on Profit

Tax Free*

Risk

No Risk

Fixed Deposits

Returns Before Tax

7% ^(TAXABLE)

Returns After Tax

4.8%

Guaranteed Returns

Yes

Life Cover

Tax on Profit

Taxable

Risk

Low Risk

Debt Mutual Fund

Returns Before Tax

8% ^(TAXABLE)

Returns After Tax

5.5%

Guaranteed Returns

Life Cover

Tax on Profit

Taxable

Risk

High Risk

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*For annual premium upto ₹5 Lacs

FD Interest Rates of Domestic/NRO (Rs. 3 Crore and Above) W.E.F. 10.06.2024

Period	Revised Rates For General Citizen W.E.F. 10.06.2024 (%)
7 days to 14 days	6.00
15 days to 29 days	6.00
30 days to 45 days	6.00
46 days to 60 days	6.40
61 days to 90 days	6.60
91 to 179 days	6.50
180 days to 270 Days	6.65
271 days to 299 Days	6.75
300 Days	6.75
300 Days to < 1 Year	6.75
1 Year	7.25
> 1 Year to 399 Days	6.80
400 days	6.80
401 days to 2 years	6.80
> 2 year to 3 years	6.50
> 3 year to 1203 days	6.25
1204 days**	6.15
1205 days to 5 years	6.25
> 5 years to 1894 days	5.60
1895 days**	5.45
1896 days to 10 years	5.60

Features of PNB Anupam Term Deposit Scheme

Deposit Amount:
- Minimum: Rs. 10,000/-
- Multiples: Rs. 1,000/-
- Maximum: Rs. 1,99,99,000/-
Period of Deposit: From 6 months to 120 months
Interest: As per the card rate guidelines issued by HO: IRMD, (ALM Cell)
Demand Loan/Overdraft Facility:
- Requires a request letter along with the Account Opening Form (AOF)
- Overdraft is permitted through a Current Account; Cheque Book issued on the same day
- Actual drawings allowed from the subsequent day
- Branch Manager may permit Drawing Power (DP) against accrued interest
- Governed by L&A Circulars from HO: IRMD
- Manager/Incumbent Incharge attestation on AOF is deemed as sanction
- Not reported in the Limit Sanctioned Statement (LSS) and Documents Register
People also read: FD Interest Rates
Third-Party Advance:
- Not allowed under Anupam Account
- Overdraft facility to a proprietorship firm against Term Deposit in the name of its proprietor is not allowed
- Title of Term Deposit and Overdraft Account must be the same
Facility of Further Term Deposits:
- More Term Deposits can be accepted with a request letter
- Overdraft limit will increase accordingly
- Endorsed in the Receipt Form
Renewal of Term Deposit on Maturity: Adheres to guidelines in Loans & Advances Circulars issued by HO: IRMD
Maturity Proceeds/Overdue Deposits:
- Proceeds credited to OD account upon payment
- Ensure reduction/cancellation of limit and closure of OD account
- Return unused cheque leaves at the final closure
Period of Payment of Interest: Credited on a completed quarter basis in March, June, September, and December each year

FD interest rates India have fallen consistently over the last 12 years.

Invest in Plans that offer Guaranteed Returns for over 25 Years

Eligibility of PNB Anupam Term Deposit Scheme

The PNB Anupam Term Deposit Scheme is open to:

Individuals
Sole proprietorship concerns
Partnership firms
Associations
Trusts
Limited companies

Not Eligible:

Minors
Illiterate persons
Blind persons

People also read: Which Bank is Best for Fixed Deposit

PNB Tax Saver Deposit Scheme W.E.F. 12.04.2024

	Rates For General Citizens (%)	Rates For Sr. Citizen (%)
5 Years	6.50	7.00
> 5 Years to 1894 days	6.50	7.00
1895 days	6.35	6.85
1895 days to 10 years	6.50	7.00