Punjab National Bank fixed deposit interest rates range from 3.00% to 6.60% p.a. for the general public and 3.50% to 7.10% p.a. for senior citizens, with tenures ranging from 7 days to 10 years. The highest PNB FD rate is on its 444-day tenure of up to 6.60% p.a. for general, 7.10% p.a. for senior citizens and 7.40% p.a. for super senior citizens.
PNB fixed deposits offer a secure way to grow your savings without worrying about market conditions. Open to individuals, minors, and joint holders, PNB FDs require a minimum investment of just ₹100. General depositors earn up to 6.60% p.a., while senior citizens receive an additional 0.50%, taking their returns up to 7.10% p.a., and super senior citizens (above 80 years) get an extra 0.80% over standard rates.
Special schemes like PNB Uttam provide higher returns for non-callable deposits, while PNB Tax Shield offers tax benefits under Section 80C with a 5-year lock-in. For liquidity, the bank allows loans or overdrafts up to 90% of the FD value and provides flexible interest payout options. PNB premature withdrawal FDs are permitted and attract a 1% penalty on the applicable interest rate. While these features and FD rates are bank-specific and fluctuate with RBI policies, it is always advised to compare general market trends before investing.
7 days to 10 years
₹100
Up to 5 crore
Yes Available
Up to 90%
0.50% additional interest
PNB FD interest rates have been revised on February 24, 2026. Punjab National Bank's 444-day special FD scheme offers its highest returns: 6.60% for general citizens, 7.10% for seniors, and a peak 7.40% for super senior citizens.
Below is a detailed table showing the latest PNB FD interest rates across different deposit slabs and tenures:
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 3.00% | 3.50% |
| 15 Days to 45 Days | 3.00% | 3.50% |
| 46 Days to 90 Days | 4.50% | 5.00% |
| 91 Days to 154 Days | 4.90% | 5.40% |
| 155 Days to 155 Days | 5.55% | 6.05% |
| 156 Days to 179 Days | 4.90% | 5.40% |
| 180 Days to 270 Days | 5.60% | 6.10% |
| 271 Days to 302 Days | 5.60% | 6.10% |
| 303 Days to 303 Days | 5.55% | 6.05% |
| 304 Days to 364 Days | 5.60% | 6.10% |
| 365 Days to 365 Days | 6.10% | 6.60% |
| 366 Days to 389 Days | 6.30% | 6.80% |
| 390 Days to 390 Days | 6.40% | 6.90% |
| 391 Days to 730 Days | 6.30% | 6.80% |
| 731 Days to 1095 Days | 6.30% | 6.80% |
| 1096 Days to 1203 Days | 6.10% | 6.60% |
| 1204 Days to 1204 Days | 6.05% | 6.55% |
| 1825 Days to 1825 Days | 6.10% | 6.60% |
| 1205 Days to 1825 Days | 6.10% | 6.60% |
| 1824 Days to 1894 Days | 6.00% | 6.50% |
| 1895 Days to 1895 Days | 6.00% | 6.50% |
| 1826 Days to 3650 Days | 6.00% | 6.80% |
| 1896 Days to 3650 Days | 6.00% | 6.50% |
| Tenure | General Citizen: Callable | General Citizen: Non-Callable |
| 7 days to 14 days | 4.5 | NA |
| 15 days to 29 days | 5 | NA |
| 30 days to 45 days | 5 | NA |
| 46 days to 60 days | 5 | NA |
| 61 days to 90 days | 5 | NA |
| 91 to 179 days | 5 | 5.05 |
| 180 days to 270 Days | 5.8 | 5.85 |
| 271 days to 302 Days | 6 | 6.05 |
| 303Days ** | 5.95 | 6 |
| 304 Days to < 1 Year | 6 | 6.05 |
| 1 Year | 6.1 | 6.15 |
| > 1 Year to 389 Days | 6.15 | 6.2 |
| 390 Days | 6.2 | 6.25 |
| 391 Days to 505 Days | 6.15 | 6.2 |
| 506Days ** | 6.15 | 6.2 |
| 507 Days to 2 years | 6.15 | 6.2 |
| > 2 years to 3 years | 6.05 | 6.1 |
| > 3 years to 1203 days | 5.35 | 5.4 |
| 1204 days** | 5.3 | 5.35 |
| 1205 days to 5 years | 5.35 | 5.4 |
| > 5 years to 1894 days | 5.6 | 5.65 |
| 1895 days** | 5.6 | 5.65 |
| 1896 days to 10 years | 5.6 | 5.65 |
*PNB FD interest rates, callable and non-callable, for deposits above 3 crore w.e.f March 14, 2026
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.45% |
| ICICI Bank | 2.75% | 6.5% |
| HDFC Bank | 2.75% | 6.45% |
| Axis Bank | 3% | 6.45% |
| Punjab National Bank | 3% | 6.4% |
| Kotak Mahindra Bank | 2.75% | 6.7% |
| Yes Bank | 3.25% | 7.75% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.45% |
| Union Bank of India | 2.75% | 6.3% |
| Bank of India | 3% | 6.7% |
| Canara Bank | 4% | 7.25% |
| IDFC Bank | 3% | 7% |
| IDBI Bank | 3% | 6.55% |
| Indian Overseas Bank | 2.9% | 6.6% |
| Bank of Maharashtra | 2.6% | 6.65% |
| Central Bank of India | 3% | 6.5% |
| Punjab and Sind Bank | 2.85% | 6.6% |
| UCO Bank | 2.9% | 6.45% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.75% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| Tamilnad Mercantile Bank | 4% | 7.1% |
| Karnataka Bank | 3.5% | 6.65% |
| Abhyudaya Cooperative Bank | 3.75% | 6.35% |
| Shriram Finance Ltd | 6.75% | 7.25% |
| Bajaj Finance Ltd | 6.6% | 7.4% |
| Mahindra Finance Ltd | 6.4% | 7.2% |
| AU Small Finance Bank | 3.5% | 7.1% |
| Fincare Small Finance | 3% | 8.61% |
| Utkarsh | 4% | 7.5% |
| Unity Small Finance Bank | 4% | 7.25% |
| Suryoday Small Finance Bank | 4% | 8.1% |
| DCB Bank | 3.75% | 7.15% |
| Equitas Small Finance Bank | 3.5% | 7.3% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.6% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.9% |
| Shivalik Small Finance Bank | 3.5% | 7.5% |
| Ujjivan Small Finance Bank | 3.5% | 7.45% |
*FD interest rates w.e.f. May 2026 (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 offers a blend of high security and competitive returns that peak at 6.60% p.a. for the general public and 7.10% p.a. for senior citizens. By combining versatile schemes like Palash Green Deposit and the high-yield PNB Uttam with modern conveniences like the PNB ONE app and instant liquidity through 90% loan facilities, and an additional PNB senior citizens FD interest rates. Whether you are seeking Section 80C tax benefits or a steady retirement income, PNB’s diverse portfolio ensures that your capital stays protected while delivering consistent returns.
16 Feb 2026
An Auto Sweep (Sweep-in/Sweep-out) FD is a banking facility that
05 Feb 2026
The IND Sampoorna Salary Package (often referred to as the IND
˜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
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 7.4% 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
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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