PNB Fixed Deposit through Internet Banking (E-FD) allows existing PNB customers with internet banking access to conveniently open fixed deposits online. This eliminates the need to visit a branch.
FD Interest Rates of Domestic/NRO (Below Rs. 3 Crore)
Tenure
Regular Rates
Current Rates
Senior Citizen
7 Days to 14 Days
3.00%
3.50%
15 Days to 29 Days
3.00%
3.50%
1 Month to 2 Months
3.00%
3.50%
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
5.60%
6.10%
9 Months to 10 Months
5.60%
6.10%
10 Months
5.50%
6.00%
10 Months to 12 Months
5.60%
6.10%
1 Year
6.25%
6.75%
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
6.25%
6.75%
3.3 Years
6.15%
6.65%
3.3 Years to 5 Years
6.25%
6.75%
5 Years
6.25%
6.75%
5 Years to 5.2 Years
6.00%
6.50%
5 Years to 5.2 Years
6.00%
6.80%
5.2 Years
5.85%
6.35%
5.2 Years to 10 Years
6.00%
6.50%
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
No
Tax on Profit
Taxable
Risk
Low Risk
Debt Mutual Fund
Returns Before Tax
8% (TAXABLE)
Returns After Tax
5.5%
Guaranteed Returns
No
Life Cover
No
Tax on Profit
Taxable
Risk
High Risk
VIEW PLANS
*For annual premium upto ₹5 Lacs
FD Interest Rates of Domestic/NRO (Rs. 3 Crore and Above)
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 Fixed Deposit Through Internet Banking(E-FD)
The PNB Fixed Deposit through Internet Banking (E-FD) offers several convenient features for customers who prefer managing their finances online:
Eligibility: This facility is available exclusively for Internet Banking users.
KYC Compliance: The customer's account must be KYC compliant to utilize this service.
Existing Customers: Only existing customers with an operative Savings or Current Account can avail this facility.
Senior Citizen Benefits: Senior citizens will continue to receive preferential interest rates applicable to the term deposit.
Terms & Conditions: Acceptance of the terms and conditions is mandatory before issuing an E-FD.
PAN Requirement: E-FDs will be issued only to accounts holding a valid PAN document.
Auto Renewal: Auto renewal is available only for the maturity value of the fixed deposit.
Maturity Proceeds: If no auto renewal instructions are given, the proceeds on maturity will be credited to the account from which the FD was funded or as per the depositor's mandate.
Deposit Tenor: The tenor of the deposit will be as per the respective scheme displayed on the bank’s website.
Interest Rates: The rate of interest will be the card rate applicable to the tenor of the deposit as displayed on the website, subject to change.
Overdue Interest: Interest will be paid for the overdue period as applicable.
Premature Withdrawal: Customers can withdraw their deposits prematurely through net banking.
Nomination: The nomination for the E-FD will remain the same as in the funded account, but customers can update the nominee details through Internet Banking.
TDS: Tax Deducted at Source (TDS) is applicable as per the rules, and the bank will issue a TDS certificate for the tax deducted.
*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
++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
Interest Earned
Maturity Amount
