Rates verified from official source

Punjab & Sind Bank Fixed Deposit interest rates · November 2026

P&S's best Fixed Deposit rate is 6.90% (500 days), 2.60 points below the best on the market (9.50%).

  • Seniors: up to 7.40% (500 days), 0.50 points above the general rate for that tenure.

What will my FD earn at P&S?

Estimated value after 1 year · before tax ₹5,29,898 5.85% p.a. · ₹29,898 interest · quarterly compounding
Compare 1 year across banks → Save or plan this →
Deposit amount
Deposit type

Showing 30 of 170 rates.

TenureGeneralSeniorSuper Sr.Applies toEffective OnSource
7 to 14 days
Callable₹1 lakh to ₹3 crore
 2.85% 2.85% 2.85% ₹1 lakh to ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
15 to 45 days
2 slabs at this rate
Callable
 2.85% 2.85% 2.85% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
46 to 150 days
3 slabs at this rate
Callable
 3.35% 3.35% 3.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
151 to 179 days
Callable
 4.85% 4.85% 4.85% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
180 to 364 days
Callable
 4.85% 5.35% 5.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
1 year
Callable
 5.85% 6.35% 6.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
366 days
366-Day Special
 6.10% 6.60% 6.60% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 6 Nov 2026
367 to 374 days
Callable
 5.60% 6.10% 6.10% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 6 Nov 2026
375 days
375-Day Special
Below ₹3 crore
 6.40% 6.90% 7.05% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
376 to 443 days
Callable
 5.60% 6.10% 6.10% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
444 days
444-Day Special
Below ₹3 crore
 6.80% 7.30% 7.45% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
445 to 499 days
Callable
 5.85% 6.35% 6.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 25 Oct 2026
500 days
500-Day Special
 6.90% 7.40% 7.55% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 25 Oct 2026
501 to 665 days
Callable
 5.85% 6.35% 6.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 25 Oct 2026
666 days
666-Day Special
Below ₹3 crore
 6.85% 7.35% 7.50% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
667 to less
than 22 months
Callable
 5.85% 6.35% 6.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
22 months
PSB Green Earth (22M)
 5.95% 6.45% 6.60% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
above 22
months to less
than 2 years
Callable
 5.85% 6.35% 6.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
2 years to
776 days
Callable
 5.95% 6.45% 6.45% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
777 days
777-Day Special
 6.10% 6.60% 6.75% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
778 to 998 days
Callable
 5.85% 6.35% 6.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
999 days
999-Day Special
Below ₹3 crore
 6.00% 6.50% 6.65% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
1000 to less
than 3 years
Callable
 5.95% 6.45% 6.45% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
3 years to less
than 44 months
Callable
 5.85% 6.35% 6.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
44 months
PSB Green Earth (44M)
 5.95% 6.45% 6.60% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
above 44
months to less
than 5 years
Callable
 5.85% 6.35% 6.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
5 years
Callable
 5.95% 6.45% 6.45% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
above 5 years
to less than
66 months
Callable
 5.85% 6.35% 6.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
66 months
PSB Green Earth (66M)
 5.95% 6.45% 6.60% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
above 66 months
to 10 years
Callable
 5.85% 6.35% 6.35% Below ₹3 crore
6 Nov 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
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P&S FD return examples

DepositHighest rate500 days6.90%777 days6.10%5 years5.95%10 years5.85%
₹50,000★₹54,912₹3,540 a year₹288/mo₹56,877₹3,120 a year₹254/mo₹67,177₹3,042 a year₹248/mo₹89,370₹2,990 a year₹244/mo
₹1 lakh★₹1,09,825₹7,081 a year₹575/mo₹1,13,755₹6,241 a year₹508/mo₹1,34,354₹6,084 a year₹496/mo₹1,78,740₹5,980 a year₹488/mo
₹2 lakh★₹2,19,649₹14,161 a year₹1,150/mo₹2,27,509₹12,482 a year₹1,017/mo₹2,68,708₹12,168 a year₹992/mo₹3,57,480₹11,959 a year₹975/mo
₹5 lakh★₹5,49,123₹35,403 a year₹2,875/mo₹5,68,774₹31,205 a year₹2,542/mo₹6,71,771₹30,420 a year₹2,479/mo₹8,93,701₹29,898 a year₹2,438/mo
₹10 lakh★₹10,98,246₹70,806 a year₹5,750/mo₹11,37,547₹62,410 a year₹5,083/mo₹13,43,542₹60,841 a year₹4,958/mo₹17,87,402₹59,796 a year₹4,875/mo

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

Select a term · Annual rates for ₹5,00,000

1 year

5.85%
Compare 1 year rates → Estimate my return
Market rank & rate source

#896 of 1033

1 year · Below ₹3 crore

Official rate sheet ↗
See all published rates
Before you book

P&S Fixed Deposit: frequently asked questions

What is the highest P&S Fixed Deposit interest rate?

As of 14 Nov 2026, Punjab & Sind Bank offers up to 6.90% p.a. on its fixed deposit (FD) (500 days) for general customers and 7.40% p.a. (500 days) for senior citizens. Rates below are as published by the bank. Confirm with P&S before investing.

See today's top interest rates →

What is the P&S 1-year FD interest rate?

As of 14 Nov 2026, Punjab & Sind Bank offers 5.85% p.a. on a 1-year FD for general customers and 6.35% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 6 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the P&S 2-year FD interest rate?

As of 14 Nov 2026, Punjab & Sind Bank offers 5.95% p.a. on a 2-year FD for general customers and 6.45% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 6 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the P&S 3-year FD interest rate?

As of 14 Nov 2026, Punjab & Sind Bank offers 5.85% p.a. on a 3-year FD for general customers and 6.35% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 6 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

Compare 3-year FD rates →

What is the P&S 5-year FD interest rate?

As of 14 Nov 2026, Punjab & Sind Bank offers 5.95% p.a. on a 5-year FD for general customers and 6.45% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 6 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at P&S?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Punjab & Sind Bank, depending on the tenure.

See today's top senior citizen rates →

When did P&S last change its Fixed Deposit rates?

Punjab & Sind Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 11 Nov 2026: the general rate for 1 year to 2 years · Above ₹100 crore went from 7.25% to 7.00%. RateScan.in has tracked P&S's rates since 18 Sept 2026.

Rate movements →

What fixed deposit (FD) tenures does P&S offer?

Punjab & Sind Bank's published fixed deposit (FD) rate table has 32 tenure bands, from “7 to 14 days” to “above 5 years to 10 years”.

Does P&S have special fixed deposit (FD) schemes?

Punjab & Sind Bank's rate table lists these named schemes (15): Non-Callable; 366-Day Special; 375-Day Special; 375-Day Non-Callable; 444-Day Special…. Check eligibility and end dates with the bank.

Does P&S pay more than the Post Office Time Deposit?

Punjab & Sind Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 5.85% (PO 6.90%), 2y 5.95% (PO 7.00%), 3y 5.85% (PO 7.10%), 5y 5.95% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does P&S's 1-year FD rate rank?

Punjab & Sind Bank's 1-year general FD rate of 5.85% ranks #896 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

Compare 1-year FD rates →

Is my fixed deposit (FD) with P&S insured?

Deposits with Punjab & Sind Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these P&S rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 6 Nov 2026. Rates can change without notice, so verify on the official P&S website before investing.

Rate movements →

More P&S rates

P&S overviewP&S Recurring Deposit ratesP&S Savings ratesP&S NRE FD ratesP&S FCNR(B) rates

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Nearby banks paying a little more at 1 year

Central 6.10%Indian 6.10%UCO 6.10%

Best FD rates among public sector banks →

Good to know

  • Deposits with Punjab & Sind 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.
  • P&S is a public sector bank, majority owned by the Government of India. Deposit insurance is still the DICGC cover above.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at P&S, depending on the tenure.
  • P&S's FD table includes 15 special schemes; check eligibility and end dates.
official Effective 20 Oct 2026 · Ingested 25 Oct 2026 · Verified 13 Nov 2026 · View source

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.