PNB Fixed Deposit Through Internet Banking (E-FD)

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.

Returns as high
as 7.1%^*

Includes life cover

Completely Tax free⁺

Maximum returns Offered by Guaranteed

Highest

7.1%^*

Guaranteed Plan

(by insurance companies)

(10 Years)

6.5%^**

Fixed Deposits

(by SBI bank)

(5-10 Years)

7.1%^***

Public Provident Fund

(other popular options)

(15 Years)

Get Guaranteed returns up to 7.1%*

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

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We are rated⁺⁺

10.5 Crore

Registered Consumer

Insurance Partners

5.3 Crore

Policies Sold

FD Interest Rates of Domestic/NRO (Below Rs. 3 Crore)

TENURE	REGULAR RATES Current Rates	SENIOR CITIZEN
7 to 14 days	3.50%	4.00%
15 to 29 days	3.50%	4.00%
30 to 45 days	3.50%	4.00%
46 to 90 days	4.50%	5.00%
91 to 179 days	5.50%	6.00%
180 to 270 days	6.00%	6.50%
271 days to 302 days	6.25%	6.75%
303 days	6.15%	6.65%
304 days to less than 1 year	6.25%	6.75%
1 year	6.70%	7.20%
Above 1 year to 389 days	6.80%	7.30%
390 days	7.00%	7.50%
391 days to 505 days	6.80%	7.30%
506 days	6.70%	7.20%
507 days to 2 years	6.80%	7.30%
Above 2 years to 3 years	6.75%	7.25%
Above 3 years to 1203 days	6.25%	6.75%
1204 days	6.15%	6.65%
1205 days to 5 years	6.25%	6.75%
Above 5 years to 1894 days	6.00%	6.80%
1895 days	5.85%	6.65%
1896 days 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

7.1% ^(TAX-FREE)

Returns After Tax

7.1%

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)

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.

PNB Uttam (Non-Callable) Fixed Deposit Scheme Rates

Period	Rates For General Citizen W.E.F. 10.06.2024 (%)
7 days to 14 days	NA
15 days to 29 days	NA
30 days to 45 days	NA
46 days to 60 days	NA
61 days to 90 days	NA
91 to 179 days	6.55
180 days to 270 Days	6.70
271 days to 299 Days	6.80
300 Days	6.80
300 Days to < 1 Year	6.80
1 Year	7.30
> 1 Year to 399 Days	6.85
400 days	6.85
401 days to 2 years	6.85
> 2 year to 3 years	6.55
> 3 year to 1203 days	6.30
1204 days**	6.20
1205 days to 5 years	6.30
> 5 years to 1894 days	5.65
1895 days**	5.50
1896 days to 10 years	5.65

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

Invest in Plans that offer Guaranteed Returns for over 25 Years

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PNB Tax Saver 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