Bandhan offers up to 7.45% p.a. · PNB up to 6.70% p.a. · Side-by-side across all tenures, general & senior citizen rates.
Highlighted cells show the higher rate for each tenure. Dataset refreshed 1 Oct 2026.
| Tenure | Bandhan | PNB | ||
|---|---|---|---|---|
| General | Senior | General | Senior | |
| 6 months | 4.20% | 4.95% | 5.85% | 6.20% |
| 1 year | 7.00% | 7.50% | 6.35% | 6.85% |
| 2 years | 7.45% | 7.95% | 6.40% | 6.90% |
| 3 years | 7.25% | 7.75% | 6.40% | 6.90% |
| 5 years | 5.85% | 6.60% | 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 →
Bandhan is a private sector bank; PNB is a public sector bank. Both are RBI-regulated with DICGC deposit insurance up to ₹5 lakh. On current data, Bandhan leads on headline FD rates by 0.75 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.
Bandhan Bank currently offers a higher maximum FD rate of 7.45% p.a., compared to 6.70% p.a. from Punjab National Bank (as of 1 Oct 2026).
Bandhan Bank offers 7.00% p.a. for general depositors on 1-year FDs, and 7.50% p.a. for senior citizens (as of 1 Oct 2026). Confirm the current rate on Bandhan Bank's official website before investing.
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.
Yes. Both Bandhan 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.
Yes, both banks offer additional interest for senior citizens (aged 60 and above), typically 0.25%–0.50% p.a. above the general rate. Bandhan Bank's 1-year senior rate: 7.50% p.a. Punjab National Bank's 1-year senior rate: 6.85% p.a.
The highest rate between the two is 7.45% p.a. from Bandhan Bank for the 2 years to less than 3 years tenure (general public, retail deposits below ₹3 crore, as of 1 Oct 2026).
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