AU vs PNB FD Rates October 2026

AU offers up to 7.40% p.a. · PNB up to 6.70% p.a. · Side-by-side across all tenures, general & senior citizen rates.

FD Rate Comparison — All Tenures

Highlighted cells show the higher rate for each tenure. Dataset refreshed 1 Oct 2026.

1-year FD winner AU 7.10% vs 6.35%
Savings account PNB
Tenure AU PNB
GeneralSenior GeneralSenior
6 months 6.35% 6.85% 5.85% 6.20%
1 year 7.10% 7.60% 6.35% 6.85%
2 years 7.10% 7.60% 6.40% 6.90%
3 years 7.00% 7.50% 6.40% 6.90%
5 years 6.75% 7.25% 6.45% 6.95%

Rates for retail deposits below ₹3 crore. Senior citizen rate typically +0.25–0.50% p.a. Green cells show the higher general rate for each tenure. Calculate your maturity amount →

Savings Account Rates

AU
—
vs
PNB
4.25% p.a.

Which bank should you choose?

AU is a small finance bank that typically posts higher FD rates to attract retail deposits. PNB is a public sector bank with a broader product range and wider branch reach. On current data, AU leads on headline FD rates by 0.70 percentage points — a meaningful difference for larger deposit amounts or longer tenures. Always verify the exact rate on the bank's official website before committing.

This is informational only — always verify the current rate on the bank's official website and consult a financial adviser for personalised guidance.

About These Banks

AU Small Finance Bank

Type
Small Finance Bank
HQ
Jaipur
Est.
2017
Best FD rate
7.40% p.a.
DICGC insured
Yes (up to ₹5 lakh)
Full profile
AU deposit rates →

Punjab National Bank

Type
Public Sector Bank
HQ
New Delhi
Est.
1894
Best FD rate
6.70% p.a.
DICGC insured
Yes (up to ₹5 lakh)
Full profile
PNB deposit rates →

Frequently Asked Questions

Which bank gives a higher FD interest rate — AU Small Finance Bank or Punjab National Bank?

AU Small Finance Bank currently offers a higher maximum FD rate of 7.40% p.a., compared to 6.70% p.a. from Punjab National Bank (as of 1 Oct 2026).

What is AU Small Finance Bank's current 1-year FD interest rate?

AU Small Finance Bank offers 7.10% p.a. for general depositors on 1-year FDs, and 7.60% p.a. for senior citizens (as of 1 Oct 2026). Confirm the current rate on AU Small Finance Bank's official website before investing.

What is Punjab National Bank's current 1-year FD interest rate?

Punjab National Bank offers 6.35% p.a. for general depositors on 1-year FDs, and 6.85% p.a. for senior citizens (as of 1 Oct 2026). Confirm the current rate on Punjab National Bank's official website before investing.

Are fixed deposits with AU Small Finance Bank and Punjab National Bank safe?

Yes. Both AU Small Finance Bank and Punjab National Bank are regulated by the Reserve Bank of India (RBI). Deposits at both banks are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5,00,000 per depositor per bank, covering principal and interest combined. Amounts above ₹5 lakh are not covered by deposit insurance.

Do AU Small Finance Bank and Punjab National Bank offer higher FD rates for senior citizens?

Yes, both banks offer additional interest for senior citizens (aged 60 and above), typically 0.25%–0.50% p.a. above the general rate. AU Small Finance Bank's 1-year senior rate: 7.60% p.a. Punjab National Bank's 1-year senior rate: 6.85% p.a.

What is the highest FD rate available between AU Small Finance Bank and Punjab National Bank?

The highest rate between the two is 7.40% p.a. from AU Small Finance Bank for the 30 Months 1 Day to 36 Months tenure (general public, retail deposits below ₹3 crore, as of 1 Oct 2026).