Punjab National Bank (PNB) is a nationalised public sector bank, headquartered in New Delhi, established in 1894. Its headline 1-year FD rate of 6.25% is in line with the public sector average of 6.23%, ranking #6 of 12 public sector banks.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 1 Jun 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at PNB (quarterly compounding)
Rates for deposits below ₹3 crore · General / Senior / Super Senior · trend over time
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.
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.
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.
| Tenure | General | Senior | Super Sr. | Trend | Applies to |
|---|---|---|---|---|---|
7 to 14 days |
3.00% | 3.50% | 3.80% | Below ₹3 crore | |
7 to 14 days |
4.50% | 3.50% | 3.80% | ₹3 crore to ₹10 crore | |
15 to 45 days |
3.00% | 3.50% | 3.80% | Below ₹3 crore | |
15 to 45 days |
5.00% | 3.50% | 3.80% | ₹3 crore to ₹10 crore | |
46 to 90 days |
4.50% | 5.00% | 5.30% | Below ₹3 crore | |
46 to 90 days |
5.00% | 5.00% | 5.30% | ₹3 crore to ₹10 crore | |
91 to 154 days |
4.90% | 5.40% | 5.70% | Below ₹3 crore | |
91 to 154 days PNB Uttam |
5.00% | 5.50% | 5.80% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
91 to 154 days |
5.00% | 5.40% | 5.70% | ₹3 crore to ₹10 crore | |
91 to 154 days PNB Uttam |
5.05% | 5.50% | 5.80% | — | ₹3 crore to ₹10 crore |
155 days |
5.55% | 6.05% | 6.35% | — | Below ₹3 crore |
155 days PNB Uttam |
5.65% | 6.15% | 6.45% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
155 days |
5.55% | 6.05% | 6.35% | — | ₹3 crore to ₹10 crore |
155 days PNB Uttam |
5.60% | 6.15% | 6.45% | — | ₹3 crore to ₹10 crore |
156 to 179 days |
4.90% | 5.40% | 5.70% | Below ₹3 crore | |
156 to 179 days PNB Uttam |
5.00% | 5.50% | 5.80% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
156 to 179 days |
5.00% | 5.40% | 5.70% | ₹3 crore to ₹10 crore | |
156 to 179 days PNB Uttam |
5.05% | 5.50% | 5.80% | — | ₹3 crore to ₹10 crore |
180 to 270 days |
5.60% | 6.10% | 6.40% | Below ₹3 crore | |
180 to 270 days PNB Uttam |
5.70% | 6.20% | 6.50% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
180 to 270 days |
5.80% | 6.10% | 6.40% | ₹3 crore to ₹10 crore | |
180 to 270 days PNB Uttam |
5.85% | 6.20% | 6.50% | — | ₹3 crore to ₹10 crore |
271 to 302 days |
5.60% | 6.10% | 6.40% | Below ₹3 crore | |
271 to 302 days PNB Uttam |
5.70% | 6.20% | 6.50% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
271 to 302 days |
6.00% | 6.10% | 6.40% | ₹3 crore to ₹10 crore | |
271 to 302 days PNB Uttam |
6.05% | 6.20% | 6.50% | — | ₹3 crore to ₹10 crore |
303 days |
5.55% | 6.05% | 6.35% | — | Below ₹3 crore |
303 days PNB Uttam |
5.65% | 6.15% | 6.45% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
303 days |
5.95% | 6.05% | 6.35% | — | ₹3 crore to ₹10 crore |
303 days PNB Uttam |
6.00% | 6.15% | 6.45% | — | ₹3 crore to ₹10 crore |
304 days to less than 1 year |
5.60% | 6.10% | 6.40% | — | Below ₹3 crore |
304 days to less than 1 year PNB Uttam |
5.70% | 6.20% | 6.50% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
304 days to less than 1 year |
6.00% | 6.10% | 6.40% | — | ₹3 crore to ₹10 crore |
304 days to less than 1 year PNB Uttam |
6.05% | 6.20% | 6.50% | — | ₹3 crore to ₹10 crore |
1 year |
6.25% | 6.75% | 7.05% | Below ₹3 crore | |
1 year PNB Uttam |
6.35% | 6.85% | 7.15% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
1 year |
6.25% | 6.75% | 7.05% | ₹3 crore to ₹10 crore | |
1 year PNB Uttam |
6.30% | 6.85% | 7.15% | — | ₹3 crore to ₹10 crore |
above 1 year to 389 days |
6.30% | 6.80% | 7.10% | — | Below ₹3 crore |
above 1 year to 389 days PNB Uttam |
6.40% | 6.90% | 7.20% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
above 1 year to 389 days |
6.15% | 6.80% | 7.10% | — | ₹3 crore to ₹10 crore |
above 1 year to 389 days PNB Uttam |
6.20% | 6.90% | 7.20% | — | ₹3 crore to ₹10 crore |
390 days |
6.30% | 6.80% | 7.10% | Below ₹3 crore | |
390 days PNB Uttam |
6.40% | 6.90% | 7.20% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
390 days |
6.20% | 6.80% | 7.10% | ₹3 crore to ₹10 crore | |
390 days PNB Uttam |
6.25% | 6.90% | 7.20% | — | ₹3 crore to ₹10 crore |
391 to 443 days |
6.30% | 6.80% | 7.10% | Below ₹3 crore | |
391 to 443 days PNB Uttam |
6.40% | 6.90% | 7.20% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
391 to 443 days |
6.15% | 6.80% | 7.10% | ₹3 crore to ₹10 crore | |
391 to 443 days PNB Uttam |
6.20% | 6.90% | 7.20% | — | ₹3 crore to ₹10 crore |
444 days |
6.60% | 7.10% | 7.40% | — | Below ₹3 crore |
444 days PNB Uttam |
6.70% | 7.20% | 7.50% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
444 days |
6.60% | 7.10% | 7.40% | — | ₹3 crore to ₹10 crore |
444 days PNB Uttam |
6.65% | 7.20% | 7.50% | — | ₹3 crore to ₹10 crore |
445 to 665 days |
6.30% | 6.80% | 7.10% | Below ₹3 crore | |
445 to 665 days PNB Uttam |
6.40% | 6.90% | 7.20% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
445 days to 2 years |
6.15% | — | — | — | ₹3 crore to ₹10 crore |
445 days to 2 years PNB Uttam |
6.20% | — | — | — | ₹3 crore to ₹10 crore |
666 days |
6.50% | 7.00% | 7.30% | — | Below ₹3 crore |
666 days PNB Uttam |
6.60% | 7.10% | 7.40% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
667 days to 2 years |
6.30% | 6.80% | 7.10% | Below ₹3 crore | |
667 days to 2 years PNB Uttam |
6.40% | 6.90% | 7.20% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
above 2 to 3 years |
6.30% | 6.80% | 7.10% | — | Below ₹3 crore |
above 2 to 3 years PNB Uttam |
6.40% | 6.90% | 7.20% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
above 2 to 3 years |
6.05% | 6.80% | 7.10% | — | ₹3 crore to ₹10 crore |
above 2 to 3 years PNB Uttam |
6.10% | 6.90% | 7.20% | — | ₹3 crore to ₹10 crore |
above 3 years to 1203 days |
6.35% | 6.85% | 7.15% | — | Below ₹3 crore |
above 3 years to 1203 days PNB Uttam |
6.45% | 6.95% | 7.25% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
above 3 years to 1203 days |
5.35% | 6.85% | 7.15% | — | ₹3 crore to ₹10 crore |
above 3 years to 1203 days PNB Uttam |
5.40% | 6.95% | 7.25% | — | ₹3 crore to ₹10 crore |
1204 days |
6.30% | 6.80% | 7.10% | — | Below ₹3 crore |
1204 days PNB Uttam |
6.40% | 6.90% | 7.20% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
1204 days |
5.30% | 6.80% | 7.10% | — | ₹3 crore to ₹10 crore |
1204 days PNB Uttam |
5.35% | 6.90% | 7.20% | — | ₹3 crore to ₹10 crore |
1205 days to 5 years |
6.35% | 6.85% | 7.15% | Below ₹3 crore | |
1205 days to 5 years PNB Uttam |
6.45% | 6.95% | 7.25% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
1205 days to 5 years |
5.35% | 6.85% | 7.15% | ₹3 crore to ₹10 crore | |
1205 days to 5 years PNB Uttam |
5.40% | 6.95% | 7.25% | — | ₹3 crore to ₹10 crore |
5 years PNB Tax Saver |
6.10% | 6.60% | 6.90% | — | Below ₹3 crore |
above 5 to 10 years |
6.00% | 6.80% | 6.80% | — | Below ₹3 crore |
above 5 to 10 years PNB Uttam |
6.10% | 6.90% | 6.90% | — | Above ₹1 crore to below ₹3 crore (non-callable) |
above 5 to 10 years |
5.60% | 6.80% | 6.80% | — | ₹3 crore to ₹10 crore |
above 5 to 10 years PNB Uttam |
5.65% | 6.90% | 6.90% | — | ₹3 crore to ₹10 crore |
above 5 to 10 years PNB Tax Saver |
6.00% | 6.50% | 6.50% | — | Below ₹3 crore |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
180 to 270 days |
5.60% | 6.10% | — | Any amount |
271 to 302 days |
5.60% | 6.10% | — | Any amount |
303 days |
5.55% | 6.05% | — | Any amount |
304 days to less than 1 year |
5.60% | 6.10% | — | Any amount |
1 year |
6.25% | 6.75% | Any amount | |
above 1 year to 389 days |
6.30% | 6.80% | — | Any amount |
390 days |
6.30% | 6.80% | Any amount | |
391 to 443 days |
6.30% | 6.80% | Any amount | |
444 days |
6.60% | 7.10% | — | Any amount |
445 to 665 days |
6.30% | 6.80% | Any amount | |
666 days |
6.50% | 7.00% | — | Any amount |
667 days to 2 years |
6.30% | 6.80% | Any amount | |
above 2 to 3 years |
6.30% | 6.80% | — | Any amount |
above 3 years to 1203 days |
6.35% | 6.85% | — | Any amount |
1204 days |
6.30% | 6.80% | — | Any amount |
1205 days to 5 years |
6.35% | 6.85% | Any amount | |
above 5 to 10 years |
6.00% | 6.80% | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.50% | — | Up to ₹100 crore | |
Any tenure |
2.70% | — | ₹100 crore to ₹500 crore | |
Any tenure |
3.60% | — | ₹500 crore to ₹1,000 crore | |
Any tenure |
3.75% | — | ₹1,000 crore to ₹2,000 crore | |
Any tenure |
4.25% | — | Above ₹2,000 crore |
Deposits with Punjab National 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.
Informational only — always confirm the current rate on the official PNB 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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