Rates from aggregated sources

Punjab Gramin Bank
deposit rates

Top FD rate
6.60%
1 year to < 2 years
Senior citizen FD
7.10%
1 year to < 2 years
1-year FD rank
#13
of 28 public sector banks · 6.60%

Overview

www.pgb.org.in

Punjab Gramin Bank (PGB) is a nationalised public sector bank, headquartered in Kapurthala, established in 2019. Its headline 1-year FD rate of 6.60% is +0.04% above the public sector average of 6.56%, ranking #13 of 28 public sector banks.

Headquarters
Kapurthala
Established
2019
Ownership
GoI 50%, Punjab National Bank 35%, Govt of Punjab 15%
Operates in
Punjab
Financial health
Standalone CRAR / NPA figures are not published separately for this bank. Regional rural banks report consolidated under their sponsor bank.
1-year FD rate
6.60%
+0.04% above the public sector average of 6.56%
Peer rank
#13
of 28 public sector banks
Recent movement
unchanged

Rates as of 1 Sept 2026, verified from aggregated sources. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.

Maturity calculator

Estimate returns at PGB (quarterly compounding)

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

3%4%5%6%7% 7–45 days: 3.50% 46–90 days: 4.75% 91–180 days: 5.50% 181 days to < 1 year: 6.00% 1 year to < 2 years: 6.60% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 2 years to < 3 years: 6.40% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to < 5 years: 6.40% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.25% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m6m1y2y3y5y 3.504.755.506.006.606.406.406.25 General Post Office TD

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

3%4%5%6%7% 7–45 days: 4.00% (General: 3.50%) 46–90 days: 5.25% (General: 4.75%) 91–180 days: 6.00% (General: 5.50%) 181 days to < 1 year: 6.50% (General: 6.00%) 1 year to < 2 years: 7.10% (General: 6.60%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to < 3 years: 6.90% (General: 6.40%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to < 5 years: 6.90% (General: 6.40%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.75% (General: 6.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m6m1y2y3y5y 4.005.256.006.507.106.906.906.75 Senior General Post Office TD

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

No additional super-senior premium — showing Senior rates.

4%5%6%7% 7–45 days: 4.00% (Senior: 4.00%) 46–90 days: 5.25% (Senior: 5.25%) 91–180 days: 6.00% (Senior: 6.00%) 181 days to < 1 year: 6.50% (Senior: 6.50%) 1 year to < 2 years: 7.10% (Senior: 7.10%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to < 3 years: 6.90% (Senior: 6.90%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to < 5 years: 6.90% (Senior: 6.90%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.75% (Senior: 6.75%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m6m1y2y3y5y 4.005.256.006.507.106.906.906.75 Senior Senior Post Office TD

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

TenureGeneralSeniorTrendApplies to
7–45 days
 3.50% 4.00% Any amount
46–90 days
 4.75% 5.25% Any amount
91–180 days
 5.50% 6.00% Any amount
181 days to < 1 year
 6.00% 6.50% Any amount
1 year to < 2 years
 6.60% 7.10% Any amount
2 years to < 3 years
 6.40% 6.90% Any amount
3 years to < 5 years
 6.40% 6.90% Any amount
5 years to 10 years
 6.25% 6.75% Any amount
Source ↗

Good to know

Deposits with Punjab Gramin Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.

aggregator Effective 1 Sept 2026 · View source

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