Punjab National Bank FD rates range from 3.00% to 6.60% per annum for the general public and and 3.50% to 7.10% p.a. for senior citizens, with tenures ranging from 7 days to 10 years. Senior citizens get an extra 0.50% interest on top of the standard rates. Punjab National Bank offers various types of fixed deposits, including PNB Pranam for individuals aged 55 and above; PNB Bulk Deposits; and PNB tax-saving deposits.
Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.
PNB fixed deposits offer assured returns of up to 6.60% for general depositors. The minimum deposit starts from ₹100, making it suitable for small savings and bigger investments alike. PNB FDs are available to individuals, senior citizens, minors, and joint account holders. The bank attracts a diverse group of risk-averse investors through a wide range of FD offerings, including the Palash Green Deposit, Multi-benefit Deposit, and Sugam Term Deposit. Depositors can also enjoy benefits like PNB credit card against FD and tax rebate under Section 80C for tax-saving deposits.
When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.
7 days to 10 years
₹100
Up to 5 crore
Yes Available
Up to 90%
0.50% additional interest
PNB has reduced FD rates on deposits below 3 crores by up to 25 bps on select short and medium term tenures. The highest rate of 7.10% percent on a 390-day deposit.
Below is a detailed table showing the latest Punjab National Bank FD rates across different deposit slabs and tenures:
| Tenure | Regular 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% | 6.80% |
| 5 Years to 5.2 Years | 6.00% | 6.50% |
| 5.2 Years | 5.85% | 6.35% |
| 5.2 Years to 10 Years | 6.00% | 6.50% |
| Period | General Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
| 7 days to 14 days | 4.50 | NA |
| 15 days to 29 days | 5.00 | NA |
| 30 days to 45 days | 5.00 | NA |
| 46 days to 60 days | 5.00 | NA |
| 61 days to 90 days | 5.00 | NA |
| 91 to 179 days | 5.00 | 5.05 |
| 180 days to 270 days | 5.80 | 5.85 |
| 271 days to 302 days | 6.00 | 6.05 |
| 303 days ** | 5.90 | 5.95 |
| 304 days to <1 year | 6.00 | 6.05 |
| 1 year | 6.25 | 6.3 |
| >1 year to 389 days | 6.40 | 6.45 |
| 390 days | 6.60 | 6.65 |
| 391 days to 505 days | 6.40 | 6.45 |
| 506 days ** | 6.30 | 6.35 |
| 507 days to 2 years | 6.40 | 6.45 |
| >2 years to 3 years | 6.40 | 6.45 |
| >3 years to 1203 days | 5.50 | 5.55 |
| 1204 days ** | 5.40 | 5.45 |
| 1205 days to 5 years | 5.50 | 5.55 |
| >5 years to 1894 days | 5.60 | 5.65 |
| 1895 days ** | 5.45 | 5.5 |
| 1896 days to 10 years | 5.60 | 5.65 |
*Punjab National Bank FD interest rates w.e.f. Sep 1, 2025
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.6% |
| ICICI Bank | 2.75% | 6.6% |
| HDFC Bank | 2.75% | 6.6% |
| Axis Bank | 3% | 6.6% |
| Punjab National Bank | 3% | 6.6% |
| Kotak Mahindra Bank | 2.75% | 6.6% |
| Yes Bank | 3.25% | 7.75% |
| Bank of Baroda | 3.5% | 6.6% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.7% |
| Union Bank of India | 3.4% | 6.6% |
| Bank of India | 3% | 6.6% |
| Canara Bank | 4% | 7.25% |
| IDBI Bank | 3% | 6.65% |
| Indian Overseas Bank | 3.5% | 6.8% |
| Bank of Maharashtra | 2.75% | 6.7% |
| Central Bank of India | 3.5% | 6.75% |
| Punjab and Sind Bank | 3% | 6.7% |
| UCO Bank | 2.75% | 5% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| Tamilnad Mercantile Bank | 4% | 7.05% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.55% |
| Shriram Finance Ltd | 6.79% | 7.35% |
| Bajaj Finance Ltd | 6.6% | 6.95% |
| Mahindra Finance Ltd | 6.4% | 6.8% |
| Fincare Small Finance | 3% | 8.61% |
| Utkarsh | 4% | 7.65% |
| Unity Small Finance Bank | 4% | 6.75% |
| Suryoday Small Finance Bank | 4% | 8.05% |
| DCB Bank | 3.75% | 7.2% |
| Equitas Small Finance Bank | 3.5% | 7.4% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.8% |
| Shivalik Small Finance Bank | 3.5% | 7.3% |
| Ujjivan Small Finance Bank | 3.5% | 7.45% |
*FD interest rates w.e.f. October 2025 (for general public, domestic FDs < ₹3 Cr).
You can enjoy several key benefits when you open a Punjab National Bank FD. A few of them are explained below:
Follow these easy steps to open a Fixed Deposit with Punjab National Bank (PNB), whether you’re an existing account holder or a new customer.
The online method is easy, and you can apply by sitting at home with the help of internet banking or through the Punjab National Bank mobile application. Read the steps to understand :
This offline method is for both New and Existing Customers, where you just need to visit your nearest Punjab National Bank branch. Follow the steps to understand :
Below are the eligible individuals and entities who can apply for the Punjab National Bank FD. Check to avoid any confusion -
Punjab National Bank Fixed Deposits offer flexible tenures from 7 days to 10 years, with current interest rates going up to 6.60% p.a. for the general public and 7.10% for senior citizens. Features like easy online and offline booking, loan and overdraft facility against FDs, and additional interest for senior citizens make it an attractive investment option for conservative investors. PNB caters to all kinds of depositors with its diverse FD schemes, from eco-themed Green Deposit to FD for Road Accident Victims.
˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ 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
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