Punjab National Bank (PNB) is one of India’s oldest and largest public sector banks, offering a wide range of financial products and services. It provides fixed deposits with attractive interest rates, flexible tenures, and additional rates for senior citizens. Use the calculator to estimate your interest earnings and maturity amounts.
Here is the interest rate table for fixed deposits of less than 3 crore:
| Tenure | General Customers (%) | Senior Citizen (%) |
|---|---|---|
| 7 to 45 Days | 3.50 | 4.00 |
| 46 to 179 Days | 4.50 | 5.00 |
| 180 to 270 Days | 6.25 | 6.75 |
| 271 Days to 299 Days | 6.50 | 7.00 |
| 300 Days | 7.05 | 7.55 |
| 301 Days to < 1 Year | 6.50 | 7.00 |
| 1 Year to 399 Days | 6.80 | 7.30 |
| 400 Days | 7.25 | 7.75 |
| 401 Days to 2 Years | 6.80 | 7.30 |
| > 2 Years to 3 Years | 7.00 | 7.50 |
| > 3 Years to 5 Years (except 1204 and 1895 days) | 6.50 | 7.00 |
| 1204 Days | 6.40 | 6.90 |
| 1205 Days to 1894 Days | 6.50 | 7.00 |
| 1895 Days | 6.35 | 7.15 |
| 1896 Days to 10 Years | 6.50 | 7.30 |
Data last updated on 01/09/2024. Check latest interest rates here.
Punjab National Bank FD Calculator
Punjab National Bank FD FAQs
What is the minimum and maximum amount for a Fixed Deposit at PNB?
The minimum deposit amount is ₹100, with a maximum limit of ₹1,99,99,999.
What are the tenure options for PNB Fixed Deposits?
The tenure ranges from 6 months to 120 months, with options available for incomplete quarters.
How is interest calculated and paid on Fixed Deposits?
Interest is compounded quarterly and paid on maturity. The interest inflows occur at the end of each calendar quarter (31/3, 30/6, 30/9, and 31/12).
Can I get a loan or overdraft against my Fixed Deposit?
Yes, deposits of ₹10,000 and above are eligible for a demand loan or overdraft facility upon written request.