PNB FD interest rates
Punjab National Bank pays 3% to 6.6% a year on fixed deposits from 7 days to 10 years, and 3.5% to 7.1% to senior citizens.
- Checked 5 October 2026
- Effective 1 June 2026
- PNB’s rate page
- By the Accurio.in team
- 6.25%1 year · senior 6.75%
- 6.3%2 years · senior 6.8%
- 6.3%3 years · senior 6.8%
- 6.35%5 years · senior 6.85%
PNB FD rates by tenure
% a year, deposits under ₹3 crore. Calculate opens the FD calculator at the general rate.
| Tenure | General | Senior citizens | FD calculator |
|---|---|---|---|
| 7 to 14 days | 3% | 3.5% | Calculate |
| 15 to 45 days | 3% | 3.5% | Calculate |
| 46 to 90 days | 4.5% | 5% | Calculate |
| 91 to 154 days | 4.9% | 5.4% | Calculate |
| 155 days | 5.55% | 6.05% | Calculate |
| 156 days to 179 days | 4.9% | 5.4% | Calculate |
| 180 to 270 days | 5.6% | 6.1% | Calculate |
| 271 days to 302 days | 5.6% | 6.1% | Calculate |
| 303 days | 5.55% | 6.05% | Calculate |
| 304 days to less than 1 year | 5.6% | 6.1% | Calculate |
| 1 year | 6.25% | 6.75% | Calculate |
| more than 1 year to 389 days | 6.3% | 6.8% | Calculate |
| 390 days | 6.3% | 6.8% | Calculate |
| 391 days to 443 days | 6.3% | 6.8% | Calculate |
| 444 days | 6.6% | 7.1% | Calculate |
| 445 days to 665 days | 6.3% | 6.8% | Calculate |
| 666 days | 6.5% | 7% | Calculate |
| 667 days to 2 years | 6.3% | 6.8% | Calculate |
| more than 2 to 3 years | 6.3% | 6.8% | Calculate |
| more than 3 years to 1203 days | 6.35% | 6.85% | Calculate |
| 1204 days | 6.3% | 6.8% | Calculate |
| 1205 days to 5 years | 6.35% | 6.85% | Calculate |
| more than 5 years to 10 years | 6% | 6.8% | Calculate |
As read from Punjab National Bank’s rate page on 5 October 2026; the bank’s rates effective 1 June 2026. Banks can change rates without notice: check the bank’s page before you invest.
What ₹1 lakh comes to at PNB
At maturity, interest added every quarter, before tax.
Worked out the way the FD calculator does, the method banks use (quarterly compounding). Tax on the interest, and TDS, are on the calculator’s page.
Where these rates come from
Punjab National Bank’s own page
- Copied by hand from Punjab National Bank’s rate page on 5 October 2026, and checked again every month.
- "Domestic/NRO Fixed Deposit Scheme", revised rates w.e.f. 01.06.2026 for public and senior citizens; the bank also lists higher rates for super senior citizens (80 and above), not shown here.
- A bank not checked again for 45 days is marked; after 75 days its rates come down until they are checked again.
What they cover
- Fixed deposits of resident individuals under ₹3 crore, at the bank’s card rates. Senior citizen rates are as the bank defines them.
- Banks can change their rates at any time: check the bank’s page or branch before you invest.
- This page lists rates. It does not recommend a bank or a deposit.
What changed (latest: 5 October 2026)
Changes to the rates on this page, newest first.
-
- Rates checked on Punjab National Bank’s page
-
- The rates shown here took effect, as Punjab National Bank’s page says
Mistakes we have fixed on any page are listed on Corrections.
Other banks’ FD rates
What to check next
Have a rate in mind?
FD calculator
Maturity and interest at any rate, with quarterly or monthly payouts.
Comparing with the post office?
Post office FD
Time deposit interest at this quarter’s rates, set by the Ministry of Finance.
Saving every month?
RD calculator
What monthly deposits come to at maturity.