What is the interest rate on FD in PNB for senior citizens?

The PNB FD rates for senior citizens is 3.50% p.a. up to 7.10% and for super citizens upto 7.40% p.a. on domestic deposits below â¹3 crore. Before exploring dedicated senior citizen rates, you can also compare other senior citizens FD rates available, and see how fixed deposits fit into your overall savings portfolio.

Is 444 days FD available in PNB?

Yes, PNB 444 days FD provided the highest rate for general citizens and senior citizens which goes up to 6.60% p.a. and 7.10% p.a. respectively and 7.40% p.a. for super senior citizens.Â

Which PNB scheme is best for senior citizens?

Punjab National Bank offers the Senior Citizens Savings Scheme (SCSS) with top government-backed rates and quarterly payouts. For flexible terms, PNB Senior Citizen FDs provide higher interest than regular deposits, while the PNB Pranam Deposit lets adults aged 55 to 60 lock in high rates early with full senior benefits at 60.Â

What is the current interest rate for a 390 days PNB FD?

The current interest rate for 390 days PNB FD is 6.30% p.a. for general depositors, 6.80% p.a. for senior citizens and 7.10% p.a. for super senior citizens.Â

What is the PNB Pranam Fixed Deposit Scheme?

The PNB Pranam Fixed Deposit Scheme is a special FD product exclusively designed for senior citizens, offering higher FD interest rates and flexible investment options.

Can senior citizens break FD before maturity?

Yes, senior citizens can break their FD before maturity by paying a penalty of 1% on the FD interest rate.Â

Can senior citizens take a loan against their PNB Fixed Deposit?

Yes, senior citizens can avail of loans up to 90% of their PNB fixed deposit value. The loan tenure will be up to 3 years or the remaining FD period. The bank may levy charges on such loans.

Is there any specific PNB FD scheme for senior citizens to save tax?

Yes, Punjab National Bank tax-saver FD offers a 5-year tenure that qualifies for tax deduction under Section 123 (previously 80C) of the Income Tax Act. Senior citizens can claim a deduction of up to â¹1.5 lakh per financial year by investing in this scheme.

Punjab National Bank Senior Citizen FD Rates

Punjab National Bank (PNB) senior citizen fixed deposit (FD) interest rates range from 3.50% to 7.10% p.a. effective from 1st June, 2026. The deposit tenure is from 7 days up to 10 years, while super senior citizens (80 years and above) earn up to 0.80% more than general customers.

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PNB FD Interest Rates for Senior Citizens

Below are the PNB senior citizen FD interest rates for various deposits with different tenures for the deposit amount below ₹3 crore effective from 1st June, 2026 (verified in August):

PNB Senior Citizen FD Rates (Deposits Below ₹3 Crore)

Tenure	Senior Citizens (p.a.)	Super Senior Citizens (p.a.)
7 to 14 Days	3.50%	3.80%
15 to 45 Days	3.50%	3.80%
46 to 90 Days	5.00%	5.30%
91 to 154 Days	5.40%	5.70%
155 Days	6.05	6.35%
156 Days to 179 Days	5.40%	5.70%
180 to 270 Days	6.10%	6.40%
271 Days to 302 Days	6.10%	6.40%
303 Days	6.05%	6.35%
304 Days to >1 Year	6.10%	6.40%
1 Year	6.75%	7.05%
>1 Year to 389 Days	6.80%	7.10%
390 Days	6.80%	7.10%
391 Days to 443 Days	6.80%	7.10%
444 Days	7.10% (Highest)	7.40% (Highest)
445 Days to 665 Days	6.80%	7.10%
666 Days	7.00%	7.30%
667 Days to 2 Years	6.80%	7.10%
>2 to 3 Years	6.80%	7.10%
>3 Years to 1203 Days	6.85%	7.15%
1204 Days	6.80%	7.10%
1205 Days to 5 Years	6.85%	7.15%
>5 Years to 10 Years	6.80%	6.80%

*PNB Senior citizens FD interest rates w.e.f. June 01, 2026

The highest PNB Senior citizens FD rates are on the tenure of 444 days that goes up to 7.10% p.a. and 7.40% p.a. for senior citizens. The PNB FD rates for general depositors are lower than the senior citizens.

PNB Senior Citizen FD Bank Rates at a Glance

Senior Citizens Eligibility: 60 years to 80 years
Super Senior Citizens Eligibility: 80 years and above

Additional Interest Rates for Senior Citizens:

Up to 5 years: 0.50% extra
Above 5 years: 0.80% extra
Additional Interest Rates for Super Senior Citizens: 0.80% extra across all maturity buckets
Deposit tenure: 7 days to 10 years

PNB Uttam Senior Citizen FD (₹1 Cr to Less than ₹3 Crore Non-Callable)

Here is the PNB Uttam FD rates for senior and super senior citizens for deposit amount of ₹1 Cr to Less than ₹3 Crore Non-Callable, effective from 01st June, 2026 (verified in August):

Tenure	Senior Citizens (p.a.)	Super Senior Citizens (p.a.)
91 to 154 Days	5.50%	5.80%
155 Days	6.15%	6.45%
156 Days to 179 Days	5.50%	5.80%
180 Days to 270 Days	6.20%	6.50%
271 Days to 302 Days	6.20%	6.50%
303 Days	6.15%	6.45%
304 Days to >1 Year	6.20%	6.50%
1 Year	6.85%	7.15%
>1 Year to 389 Days	6.90%	7.20%
390 Days	6.90%	7.20%
391 Days to 443 Days	6.90%	7.20%
444 Days	7.20% (Highest)	7.50% (Highest)
445 Days to 665 Days	6.90%	7.20%
666 Days	7.10%	7.40%
667 Days to 2 Years	6.90%	7.20%
>2 to 3 Years	6.90%	7.20%
>3 Years to 1203 Days	6.95%	7.25%
1204 Days	6.90%	7.20%
1205 Days to 5 Years	6.95%	7.25%
>5 Years to 10 Years	6.90%	6.90%

*PNB senior citizen interest rate w.e.f.June 06, 2026

The highest PNB Uttam Senior Citizen FD rates are on the tenure of 444 days which goes up to 7.20% p.a. for senior citizens and 7.50% p.a. for super senior citizens.

Key Benefits of PNB Senior Citizen FD Rates

Here are some reasons why PNB FD interest rates for senior citizens make a smart investment choice:

Special Schemes for Seniors: The PNB Pranam Fixed Deposit is a dedicated offering for individuals aged between 55 and 60, allowing investments starting from ₹100 up to ₹2,99,99,999 in multiples of ₹1.
Auto-Renewal Facility: Senior citizens can set up their FD for automatic renewal on maturity, ensuring continuous investment and eliminating the need to rebook the FD manually.
Premature Withdrawal: Senior citizens can withdraw their FDs before maturity in case of emergencies. A 1% penalty will be charged, and the final interest paid will be the lowest rate as determined by the bank’s premature withdrawal rules.
Sweep-in/Sweep-out Facility: Senior citizens holding a PNB Prudent Sweep Account can enjoy automatic daily transfers (sweep-out) of amounts over ₹50,000 (in multiples of ₹5,000) from their savings account into a Flexi-FD earning higher FD interest on the surplus while ensuring liquidity via sweep-in.
Tax-Saving Options: A beneficial 5-year tax-saving scheme with a minimum deposit amount of ₹100 and a maximum of ₹1.50 lakh per annum, offering tax-saving benefits and higher returns.

FAQs

What is the interest rate on FD in PNB for senior citizens?

The PNB FD rates for senior citizens is 3.50% p.a. up to 7.10% and for super citizens upto 7.40% p.a. on domestic deposits below ₹3 crore. Before exploring dedicated senior citizen rates, you can also compare other senior citizens FD rates available, and see how fixed deposits fit into your overall savings portfolio.
Is 444 days FD available in PNB?

Yes, PNB 444 days FD provided the highest rate for general citizens and senior citizens which goes up to 6.60% p.a. and 7.10% p.a. respectively and 7.40% p.a. for super senior citizens.
Which PNB scheme is best for senior citizens?

Punjab National Bank offers the Senior Citizens Savings Scheme (SCSS) with top government-backed rates and quarterly payouts. For flexible terms, PNB Senior Citizen FDs provide higher interest than regular deposits, while the PNB Pranam Deposit lets adults aged 55 to 60 lock in high rates early with full senior benefits at 60.
What is the current interest rate for a 390 days PNB FD?

The current interest rate for 390 days PNB FD is 6.30% p.a. for general depositors, 6.80% p.a. for senior citizens and 7.10% p.a. for super senior citizens.
What is the PNB Pranam Fixed Deposit Scheme?

The PNB Pranam Fixed Deposit Scheme is a special FD product exclusively designed for senior citizens, offering higher FD interest rates and flexible investment options.
Can senior citizens break FD before maturity?

Yes, senior citizens can break their FD before maturity by paying a penalty of 1% on the FD interest rate.
Can senior citizens take a loan against their PNB Fixed Deposit?

Yes, senior citizens can avail of loans up to 90% of their PNB fixed deposit value. The loan tenure will be up to 3 years or the remaining FD period. The bank may levy charges on such loans.
Is there any specific PNB FD scheme for senior citizens to save tax?

Yes, Punjab National Bank tax-saver FD offers a 5-year tenure that qualifies for tax deduction under Section 123 (previously 80C) of the Income Tax Act. Senior citizens can claim a deduction of up to ₹1.5 lakh per financial year by investing in this scheme.