PNB FD Interest Rates
PNB FD interest rates: up to 6.80% for the general public and 7.30% for senior citizens.
- Highest rate, general
- 6.80%
- Tenure (general)
- 680 Days
- Highest rate, senior citizens
- 7.30%
- Tenure (senior)
- 680 Days
- 5-year tax-saver FD
- 6.10%
- Rate card effective
Punjab National Bank’s rate card effective 5 November 2026 pays up to 6.80% a year (680 Days) on fixed deposits below ₹3 crore. Senior citizens get up to 7.30% (680 Days).
Special deposits. 444 Days (444 Days): 6.70%, seniors 7.20%; 680 Days (680 Days): 6.80%, seniors 7.30%; PNB Palaash (1204 days bucket) (1204 Days): 6.30%, seniors 6.80%; PNB Palaash (303 days bucket) (303 Days): 5.95%, seniors 6.45%; PNB Tax Saver Fixed Deposit Scheme (5 Years): 6.10%, seniors 6.60%.
Senior citizens. Senior citizens (60 to 79) get 0.50 point more up to 5 years and 0.75 point more above 5 years on deposits below ₹3 crore; super senior citizens (80 and above) get 0.75 point more on every tenure.
Tax-saver FD. The 5-year tax-saving deposit pays 6.10%.
Questions
What is the highest PNB FD rate?
6.80% for the general public on 680 Days, and 7.30% for senior citizens on 680 Days, per the rate card effective 5 November 2026.
How much will my PNB FD earn?
Enter the amount, rate and tenure in the FD calculator.
Compare banks in the FD interest rates table.
- Bank
- Punjab National Bank
- Special deposits
Scheme Tenure General Senior 444 Days 444 Days 6.70% 7.20% 680 Days 680 Days 6.80% 7.30% PNB Palaash (1204 days bucket) 1204 Days 6.30% 6.80% PNB Palaash (303 days bucket) 303 Days 5.95% 6.45% PNB Tax Saver Fixed Deposit Scheme 5 Years 6.10% 6.60% - Full rate table (below ₹3 crore)
Tenure General Senior citizens 7 to 14 Days 3.00% 3.50% 15 to 45 Days 3.00% 3.50% 46 to 90 Days 5.50% 6.00% 91 to 179 Days 5.75% 6.25% 180 to 270 Days 6.00% 6.50% 271 Days to 302 Days 6.00% 6.50% 303 Days 5.95% 6.45% 304 Days to <1 Year 6.00% 6.50% 1 Year 6.25% 6.75% >1 Year to 443 Days 6.30% 6.80% 444 Days 6.70% 7.20% 445 Days to 679 Days 6.30% 6.80% 680 Days 6.80% 7.30% 681 Days to 2 years 6.30% 6.80% >2 to 3 Years 6.30% 6.80% >3 Years to 1203 Days 6.35% 6.85% 1204 Days 6.30% 6.80% 1205 Days to 5 Years 6.35% 6.85% >5 Years to 10 Years 6.00% 6.75% - Senior citizen rule
- Senior citizens (60 to 79) get 0.50 point more up to 5 years and 0.75 point more above 5 years on deposits below ₹3 crore; super senior citizens (80 and above) get 0.75 point more on every tenure.
- Bank rate card
- pnb.bank.in
- Sources
Source Link Punjab National Bank deposit interest rates page (domestic deposits below ₹3 crore, w.e.f. 5 November 2026) https://www.pnb.bank.in/Interest-Rates-Deposit.html - Last checked
Source: each bank’s own interest rate page or rate card PDF, linked on each record. Journalist Today is not affiliated with these banks.