Punjab & Sind Bank (P&S) is a nationalised public sector bank, headquartered in New Delhi, established in 1908. Its headline 1-year FD rate of 5.85% is −0.41% below the public sector average of 6.26%, ranking #12 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 16 Feb 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at P&S (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 |
2.85% | 2.85% | 2.85% | ₹1 lakh to ₹3 crore | |
7 to 14 days |
4.85% | 2.85% | 2.85% | ₹3 crore to ₹75 crore | |
7 to 14 days |
4.85% | 2.85% | 2.85% | ₹75 crore to ₹200 crore | |
7 to 14 days |
4.85% | 2.85% | 2.85% | Above ₹200 crore | |
15 to 30 days |
2.85% | 2.85% | 2.85% | Below ₹3 crore | |
15 to 30 days |
4.85% | 2.85% | 2.85% | ₹3 crore to ₹75 crore | |
15 to 30 days |
4.85% | 2.85% | 2.85% | ₹75 crore to ₹200 crore | |
15 to 30 days |
4.85% | 2.85% | 2.85% | Above ₹200 crore | |
31 to 45 days |
2.85% | 2.85% | 2.85% | Below ₹3 crore | |
31 to 45 days |
5.00% | 2.85% | 2.85% | ₹3 crore to ₹75 crore | |
31 to 45 days |
5.00% | 2.85% | 2.85% | ₹75 crore to ₹200 crore | |
31 to 45 days |
5.00% | 2.85% | 2.85% | Above ₹200 crore | |
46 to 90 days |
3.35% | 3.35% | 3.35% | Below ₹3 crore | |
46 to 60 days |
5.25% | — | — | — | ₹3 crore to ₹75 crore |
46 to 60 days |
5.25% | — | — | — | ₹75 crore to ₹200 crore |
46 to 60 days |
5.25% | — | — | — | Above ₹200 crore |
61 to 90 days |
5.50% | — | — | — | ₹3 crore to ₹75 crore |
61 to 90 days |
5.50% | — | — | — | ₹75 crore to ₹200 crore |
61 to 90 days |
5.50% | — | — | — | Above ₹200 crore |
91 to 120 days |
3.35% | 3.35% | 3.35% | Below ₹3 crore | |
91 to 180 days |
6.00% | — | — | ₹3 crore to ₹75 crore | |
91 to 180 days |
6.00% | — | — | ₹75 crore to ₹200 crore | |
91 to 180 days |
6.00% | — | — | Above ₹200 crore | |
121 to 150 days |
3.35% | 3.35% | 3.35% | Below ₹3 crore | |
151 to 179 days |
4.85% | 4.85% | 4.85% | Below ₹3 crore | |
180 to 364 days |
4.85% | 5.35% | 5.35% | Below ₹3 crore | |
181 to 270 days |
6.10% | — | — | — | ₹3 crore to ₹75 crore |
181 to 270 days |
6.46% | — | — | — | ₹75 crore to ₹200 crore |
181 to 270 days |
6.10% | — | — | — | Above ₹200 crore |
271 to 364 days |
6.25% | — | — | — | ₹3 crore to ₹75 crore |
271 to 364 days |
6.25% | — | — | — | ₹75 crore to ₹200 crore |
271 to 364 days |
6.25% | — | — | — | Above ₹200 crore |
1 year |
5.85% | 6.35% | 6.35% | Below ₹3 crore | |
1 year to 2 years |
6.50% | — | — | — | ₹3 crore to ₹75 crore |
1 year to 2 years |
6.50% | — | — | — | ₹75 crore to ₹200 crore |
1 year to 2 years |
6.90% | — | — | — | Above ₹200 crore |
above 1 year to 374 days |
5.60% | 6.10% | 6.10% | — | Below ₹3 crore |
375 days 375-Day Special |
6.40% | 6.90% | 7.05% | — | Below ₹3 crore |
375 days 375-Day Non-Callable |
6.50% | 7.00% | 7.15% | — | ₹100.01 lakh to ₹299 lakh (non-callable) |
376 to 443 days |
5.60% | 6.10% | 6.10% | Below ₹3 crore | |
444 days 444-Day Special |
6.80% | 7.30% | 7.45% | — | Below ₹3 crore |
444 days 444-Day Non-Callable |
6.90% | 7.40% | 7.55% | — | ₹100.01 lakh to ₹299 lakh (non-callable) |
445 to 665 days |
5.85% | 6.35% | 6.35% | Below ₹3 crore | |
666 days 666-Day Special |
6.85% | 7.35% | 7.50% | — | Below ₹3 crore |
666 days 666-Day Non-Callable |
6.95% | 7.45% | 7.60% | — | ₹100.01 lakh to ₹299 lakh (non-callable) |
667 to 669 days |
5.85% | 6.35% | 6.35% | — | Below ₹3 crore |
22 months PSB Green Earth (22M) |
5.95% | 6.45% | 6.60% | — | Below ₹3 crore |
above 22 months to 2 years |
5.85% | 6.35% | 6.35% | — | Below ₹3 crore |
2 years to 776 days |
5.95% | 6.45% | 6.45% | — | Below ₹3 crore |
above 2 years to 3 years |
6.30% | — | — | — | ₹3 crore to ₹75 crore |
above 2 years to 3 years |
6.30% | — | — | — | ₹75 crore to ₹200 crore |
above 2 years to 3 years |
6.30% | — | — | — | Above ₹200 crore |
777 days 777-Day Special |
6.10% | 6.60% | 6.75% | — | Below ₹3 crore |
778 to 998 days |
5.85% | 6.35% | 6.35% | Below ₹3 crore | |
999 days 999-Day Special |
6.00% | 6.50% | 6.65% | — | Below ₹3 crore |
999 days 999-Day Non-Callable |
6.05% | 6.55% | 6.70% | — | ₹100.01 lakh to ₹299 lakh (non-callable) |
1000 days to 3 years |
5.95% | 6.45% | 6.45% | — | Below ₹3 crore |
3 years to 43 months |
5.85% | 6.35% | 6.35% | — | Below ₹3 crore |
above 3 years to 5 years |
5.80% | — | — | — | ₹3 crore to ₹75 crore |
above 3 years to 5 years |
5.80% | — | — | — | ₹75 crore to ₹200 crore |
above 3 years to 5 years |
5.80% | — | — | — | Above ₹200 crore |
44 months PSB Green Earth (44M) |
5.95% | 6.45% | 6.60% | — | Below ₹3 crore |
above 44 months to 5 years |
5.85% | 6.35% | 6.35% | — | Below ₹3 crore |
5 years |
5.95% | 6.45% | 6.45% | — | Below ₹3 crore |
above 5 years to 65 months |
5.85% | 6.35% | 6.35% | — | Below ₹3 crore |
above 5 years to 10 years |
5.50% | — | — | — | ₹3 crore to ₹75 crore |
above 5 years to 10 years |
5.50% | — | — | — | ₹75 crore to ₹200 crore |
above 5 years to 10 years |
5.50% | — | — | — | Above ₹200 crore |
66 months PSB Green Earth (66M) |
5.95% | 6.45% | 6.60% | — | Below ₹3 crore |
above 66 months to 10 years |
5.85% | 6.35% | 6.35% | — | Below ₹3 crore |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year |
5.85% | 6.35% | Any amount | |
above 1 year to 374 days |
5.60% | 6.10% | — | Any amount |
375 days |
6.40% | 6.90% | — | Any amount |
376 to 443 days |
5.60% | 6.10% | Any amount | |
444 days |
6.80% | 7.30% | — | Any amount |
445 to 665 days |
5.85% | 6.35% | Any amount | |
666 days |
6.85% | 7.35% | — | Any amount |
667 to 669 days |
5.85% | 6.35% | — | Any amount |
22 months |
5.95% | 6.45% | — | Any amount |
above 22 months to 2 years |
5.85% | 6.35% | — | Any amount |
2 years to 776 days |
5.95% | 6.45% | — | Any amount |
777 days |
6.10% | 6.60% | — | Any amount |
778 to 998 days |
5.85% | 6.35% | Any amount | |
999 days |
6.00% | 6.50% | — | Any amount |
1000 days to 3 years |
5.95% | 6.45% | — | Any amount |
3 years to 43 months |
5.85% | 6.35% | — | Any amount |
44 months |
5.95% | 6.45% | — | Any amount |
above 44 months to 5 years |
5.85% | 6.35% | — | Any amount |
5 years |
5.95% | 6.45% | — | Any amount |
above 5 years to 65 months |
5.85% | 6.35% | — | Any amount |
66 months |
5.95% | 6.45% | — | Any amount |
above 66 months to 10 years |
5.85% | 6.35% | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.20% | — | — | Up to ₹1 crore |
Any tenure |
2.60% | — | — | ₹1 crore to ₹50 crore |
Any tenure |
4.00% | — | — | ₹50 crore to ₹100 crore |
Any tenure |
4.25% | — | — | ₹100 crore to ₹500 crore |
Any tenure |
4.70% | — | — | Above ₹500 crore |
Deposits with Punjab & Sind 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 P&S 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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