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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).
Guaranteed Returns
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns upto 7.4%*
Fully Tax-Free, Life Cover Included
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FD Interest Rates
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PNB FD Interest Rates
- PNB Anupam Term Deposit Scheme
FD Interest Rates of Domestic/NRO (Below Rs. 3 Crore) W.E.F. 10.06.2024
People also read: PNB FD Interest Rates
FD Interest Rates of Domestic/NRO (Rs. 3 Crore and Above) W.E.F. 10.06.2024
| Tenure | General Citizen: Callable | General Citizen: Non-Callable |
| 7 days to 14 days | 4.5 | NA |
| 15 days to 29 days | 5 | NA |
| 30 days to 45 days | 5 | NA |
| 46 days to 60 days | 5 | NA |
| 61 days to 90 days | 5 | NA |
| 91 to 179 days | 5 | 5.05 |
| 180 days to 270 Days | 5.8 | 5.85 |
| 271 days to 302 Days | 6 | 6.05 |
| 303Days ** | 5.95 | 6 |
| 304 Days to < 1 Year | 6 | 6.05 |
| 1 Year | 6.1 | 6.15 |
| > 1 Year to 389 Days | 6.15 | 6.2 |
| 390 Days | 6.2 | 6.25 |
| 391 Days to 505 Days | 6.15 | 6.2 |
| 506Days ** | 6.15 | 6.2 |
| 507 Days to 2 years | 6.15 | 6.2 |
| > 2 years to 3 years | 6.05 | 6.1 |
| > 3 years to 1203 days | 5.35 | 5.4 |
| 1204 days** | 5.3 | 5.35 |
| 1205 days to 5 years | 5.35 | 5.4 |
| > 5 years to 1894 days | 5.6 | 5.65 |
| 1895 days** | 5.6 | 5.65 |
| 1896 days to 10 years | 5.6 | 5.65 |
*PNB FD interest rates, callable and non-callable, for deposits above 3 crore w.e.f March 14, 2026
Features of PNB Anupam Term Deposit Scheme
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Deposit Amount:
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Minimum: Rs. 10,000/-
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Multiples: Rs. 1,000/-
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Maximum: Rs. 1,99,99,000/-
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Period of Deposit: From 6 months to 120 months
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Interest: As per the card rate guidelines issued by HO: IRMD, (ALM Cell)
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Demand Loan/Overdraft Facility:
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Requires a request letter along with the Account Opening Form (AOF)
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Overdraft is permitted through a Current Account; Cheque Book issued on the same day
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Actual drawings allowed from the subsequent day
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Branch Manager may permit Drawing Power (DP) against accrued interest
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Governed by L&A Circulars from HO: IRMD
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Manager/Incumbent Incharge attestation on AOF is deemed as sanction
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Not reported in the Limit Sanctioned Statement (LSS) and Documents Register
People also read: FD Interest Rates
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Third-Party Advance:
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Not allowed under Anupam Account
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Overdraft facility to a proprietorship firm against Term Deposit in the name of its proprietor is not allowed
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Title of Term Deposit and Overdraft Account must be the same
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Facility of Further Term Deposits:
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More Term Deposits can be accepted with a request letter
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Overdraft limit will increase accordingly
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Endorsed in the Receipt Form
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Renewal of Term Deposit on Maturity: Adheres to guidelines in Loans & Advances Circulars issued by HO: IRMD
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Maturity Proceeds/Overdue Deposits:
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Proceeds credited to OD account upon payment
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Ensure reduction/cancellation of limit and closure of OD account
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Return unused cheque leaves at the final closure
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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.
Eligibility of PNB Anupam Term Deposit Scheme
The PNB Anupam Term Deposit Scheme is open to:
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Individuals
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Sole proprietorship concerns
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Partnership firms
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Associations
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Trusts
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Limited companies
Not Eligible:
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Minors
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Illiterate persons
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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 |
People also read: FD Calculator
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Interest Earned
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10 Feb 2026
The fixed deposit interest rates in India are generally between*All savings are provided by the insurer as per the IRDAI approved
insurance plan. Standard T&C Apply
+ 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.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
˜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