Punjab Gramin Bank Fixed Deposit interest rates · November 2026
What will my FD earn at PGB?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 to 45 days 3 slabs at this rate |
3.25% | 3.85% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
46 to 90 days |
4.50% | 5.10% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
91 to 179 days |
5.25% | 5.85% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
180 to 270 days |
5.85% | 6.45% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
271 to 329 days |
6.05% | 6.65% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
330 days to < 1 year |
6.25% | 6.85% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
1 year only |
6.30% | 6.90% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
> 1 year to 398 days |
6.25% | 6.85% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
399 days 399-day Special |
6.80% | 7.40% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
400 days to 443 days |
6.25% | 6.85% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
444 days 444-day Special |
6.70% | 7.30% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
445 days to 2 years |
6.50% | 7.10% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
> 2-3 years |
6.25% | 6.85% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
> 3-5 years |
6.00% | 6.60% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
5 years (Tax Saver u/s 80C) Tax Saver (80C) |
6.00% | 6.60% | Any amount | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
> 5-10 years |
5.75% | 6.35% | Below ₹1 crore (retail) | 22 Jul 2026 ✓ verified 29 Oct 2026 | official fetched 18 Oct 2026 |
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PGB FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
6.30%Before you book
PGB Fixed Deposit: frequently asked questions
What is the highest PGB Fixed Deposit interest rate?
As of 14 Nov 2026, Punjab Gramin Bank offers up to 6.80% p.a. on its fixed deposit (FD) (399 days) for general customers and 7.40% p.a. (399 days) for senior citizens. Rates below are as published by the bank. Confirm with PGB before investing.
What is the PGB 1-year FD interest rate?
As of 14 Nov 2026, Punjab Gramin Bank offers 6.30% p.a. on a 1-year FD for general customers and 6.90% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Jul 2026 and was last verified 29 Oct 2026. Source: the bank's official rate page.
What is the PGB 2-year FD interest rate?
As of 14 Nov 2026, Punjab Gramin Bank offers 6.50% p.a. on a 2-year FD for general customers and 7.10% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Jul 2026 and was last verified 29 Oct 2026. Source: the bank's official rate page.
What is the PGB 3-year FD interest rate?
As of 14 Nov 2026, Punjab Gramin Bank offers 6.25% p.a. on a 3-year FD for general customers and 6.85% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Jul 2026 and was last verified 29 Oct 2026. Source: the bank's official rate page.
What is the PGB 5-year FD interest rate?
As of 14 Nov 2026, Punjab Gramin Bank offers 6.00% p.a. on a 5-year FD for general customers and 6.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Jul 2026 and was last verified 29 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at PGB?
Yes. Senior citizens (60+) earn up to 0.60% p.a. more than general customers at Punjab Gramin Bank, depending on the tenure.
When did PGB last change its Fixed Deposit rates?
Punjab Gramin Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 18 Oct 2026: the general rate for 46 to 90 days went from 4.75% to 4.50%. RateScan.in has tracked PGB's rates since 22 Sept 2026.
What fixed deposit (FD) tenures does PGB offer?
Punjab Gramin Bank's published fixed deposit (FD) rate table has 15 tenure bands, from “7 to 14 days” to “> 5-10 years”.
Does PGB pay different fixed deposit (FD) rates by deposit size?
Yes. Punjab Gramin Bank's table lists separate bands: Below ₹1 crore (retail); Any amount. Each row shows the band it applies to.
Does PGB have special fixed deposit (FD) schemes?
Punjab Gramin Bank's rate table lists these named schemes (3): 399-day Special; 444-day Special; Tax Saver (80C). Check eligibility and end dates with the bank.
Does PGB pay more than the Post Office Time Deposit?
Punjab Gramin Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.30% (PO 6.90%), 2y 6.50% (PO 7.00%), 3y 6.25% (PO 7.10%), 5y 6.00% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does PGB's 1-year FD rate rank?
Punjab Gramin Bank's 1-year general FD rate of 6.30% ranks #729 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with PGB insured?
Deposits with Punjab Gramin Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these PGB rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 22 Jul 2026. Rates can change without notice, so verify on the official PGB website before investing.
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Good to know
- Deposits with Punjab Gramin Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- PGB is a regional rural bank, jointly owned by the Government of India, a sponsor bank and a state government, and supervised by the RBI and NABARD.
- Senior citizens (60+) earn up to 0.60% p.a. more than general customers at PGB, depending on the tenure.
- PGB's FD table includes 3 special schemes; check eligibility and end dates.
Informational only. Always confirm the current rate on the official PGB website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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