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PNB Bulk Fixed Deposit Scheme
The PNB Bulk Fixed Deposit Scheme offers competitive FD interest rates for large deposits, catering primarily to institutional investors and corporate entities. This scheme by Punjab National Bank (PNB) allows for substantial investments with flexible tenure options, ensuring stable returns and liquidity management tailored to business needs.
Guaranteed Returns
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
6.9%*
(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 6.9%*
Fully Tax-Free, Life Cover Included
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FD Interest Rates
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PNB FD Interest Rates
- PNB Bulk Fixed Deposit Scheme
PNB FD Interest Rates for Domestic/NRO Term Deposits (Below Rs. 3 Crore)
People also read: PNB FD Interest Rates
PNB FD Interest Rates for Domestic/NRO Term Deposits (Rs. 3 Crore – 10 Crore)
| 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 |
People also read: FD Interest Rates
Features of PNB Bulk Fixed Deposit Scheme
The key features of PNB Bulk Fixed Deposit Scheme are as follows:
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Deposit Amount: Single deposit above Rs. 10.00 crore, and in multiples of Re. 1 thereafter. Special requirements for Interbank deposits of Rs. 2 crore & above, NRE & NRO Term Deposits above Rs. 10 crore, and FCNR (B) deposits of 1 Mio and above for USD, GBP & EUR.
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Period of Deposit:
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Maturity Option: 7 days to 120 months.
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Income Option: 6 months to 120 months.
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Interest Option:
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Income Option: Interest payable monthly/quarterly or at maturity. Monthly interest paid at discounted value; quarterly compounded for half-yearly and yearly payments.
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Maturity Option (Re-investment): Interest compounded quarterly, payable at maturity. Incomplete quarters counted at the end for interest calculation.
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Conversion/ Change in Option: No conversion allowed.
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Auto Renewal: Not allowed.
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Premature Renewal/ Extension: Not allowed.
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Part Withdrawal: Not allowed.
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Advances/ Overdraft Facility: Guidelines per HO: IRMD applicable. Prior approval required for withdrawals over Rs. 25 crore from HO: Treasury Division. Overdraft/loan facility not available for accounts in the name of minors.
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Maturity Value: Calculated by the system on quarterly compounding basis for deposits in maturity option. In the income option, interest payable quarterly at simple rate or monthly at discounted rate as chosen by the depositor.
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Other Issues: For any clarification/information, contact HO: Treasury Division only.
FD interest rates India have fallen consistently over the last 12 years.
People also read: Which Bank is Best for Fixed Deposit
Eligibility Criteria for PNB Bulk Fixed Deposit Scheme
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Individuals can open accounts singly or jointly.
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Minors aged 10 years and above can open accounts with proof of age.
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Proprietorships, partnerships, companies, and corporations can open accounts.
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Hindu Undivided Families (HUFs) are eligible to open accounts.
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Associations, clubs, societies, trusts, religious, charitable, or educational institutions can open accounts.
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Municipalities, panchayats, governments, or quasi-government bodies can open accounts.
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Illiterate and blind persons can also open accounts.
PNB Interest Rates for Tax Saver Fixed Deposit Scheme
| 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
FD Calculator
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++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