PNB FD Calculator
PNB Fixed Deposit Calculator enables prospective depositors to calculate both interest income and maturity value for multiple fixed deposit amounts and tenures. The online FD calculator factors in the applicable PNB FD interest rates, tenure and total principal amount to arrive at the interest amount and maturity value at the end of FD tenure.
How to Use Paisabazaar’s PNB FD Calculator
You can use Paisabazaar’s PNB FD Calculator by following the below mentioned steps:
- Enter the deposit amount, tenure and PNB FD interest rate in the calculator.
- Click on ‘Calculate’
- The calculator will immediately show the total maturity value, principal amount and interest earned on the FD.
PNB FD Interest Rates
PNB FD Rates on Domestic/NRO deposits of less than Rs 3 crore w.e.f. 1 January 2025
| Tenure | Interest Rates (% p.a.) | ||
| Regular Citizens | Senior Citizens | Super Senior Citizens | |
| 7 to 14 days | 3.50 | 4.00 | 4.30 |
| 15 to 29 days | 3.50 | 4.00 | 4.30 |
| 30 to 45 days | 3.50 | 4.00 | 4.30 |
| 46 to 90 days | 4.50 | 5.00 | 5.30 |
| 91 to 179 days | 5.50 | 6.00 | 6.30 |
| 180 to 270 days | 6.25 | 6.75 | 7.05 |
| 271 days to 299 days | 6.50 | 7.00 | 7.30 |
| 300 days | 7.05 | 7.55 | 7.85 |
| 301 days to 302 days | 6.50 | 7.00 | 7.30 |
| 303 days | 7.00 | 7.50 | 7.80 |
| 304 days to less than 1 year | 6.50 | 7.00 | 7.30 |
| 1 year | 6.80 | 7.30 | 7.60 |
| Above 1 year to 399 days | 6.80 | 7.30 | 7.60 |
| 400 days | 7.25 | 7.75 | 8.05 |
| 401 days to 505 days | 6.80 | 7.30 | 7.60 |
| 506 days | 6.70 | 7.20 | 7.50 |
| 507 days to 2 years | 6.80 | 7.20 | 7.50 |
| Above 2 years to 3 years | 7.00 | 7.50 | 7.80 |
| Above 3 years to 1203 days | 6.50 | 7.00 | 7.30 |
| 1204 days | 6.40 | 6.90 | 7.20 |
| 1205 days to 5 years | 6.50 | 7.00 | 7.30 |
| Above 5 years to 1894 days | 6.50 | 7.30 | 7.30 |
| 1895 days | 6.35 | 7.15 | 7.15 |
| 1896 days to 10 years | 6.50 | 7.30 | 7.30 |
Note: The additional senior citizen rates are not applicable for NRO deposits
Note: The additional senior citizen rates are not applicable for NRO deposits
*Senior Citizens: Aged 60 years and above, Super Senior Citizens: Aged 80 years and above
PNB Tax Saver FD Rates
| Tenure | Interest Rates (% p.a.) | |
| For General Public | For Senior Citizens | |
| 5 years | 6.50 | 7.00 |
| Above 5 years to 1894 days | 6.50 | 7.00 |
| 1895 days | 6.35 | 6.85 |
| 1896 to 10 years | 6.50 | 7.30 |
Note: Interest rates as of 24th January 2025
Comparison of Top 20 Scheduled Banks based on FD Rates
Banks | Highest FD rate (% p.a.) | 1-year FD rate (% p.a.) | 3-year FD rate (% p.a.) | 5-year FD rate (% p.a.) | Additional interest rate for senior citizens (% p.a.) |
| Unity Small Finance Bank | 9.00 | 7.85 | 8.15 | 8.15 | 0.50 |
| North East Small Finance Bank | 9.00 | 7.00 | 9.00 | 6.25 | 0.50 |
| Suryoday Small Finance Bank | 8.60 | 8.05 | 8.60 | 8.25 | 0.50 |
| Utkarsh Small Finance Bank | 8.50 | 8.00 | 8.50 | 7.75 | 0.60 |
| ESAF Small Finance Bank | 8.38 | 6.00 | 6.75 | 6.25 | 0.50 |
| Shivalik Small Finance Bank | 8.30 | 6.00 | 7.50 | 6.50 | 0.50 |
| Jana Small Finance Bank | 8.25 | 8.25 | 8.25 | 8.20 | 0.50 |
| Ujjivan Small Finance Bank | 8.25 | 8.25 | 7.20 | 7.20 | 0.50 |
| Equitas Small Finance Bank | 8.25 | 8.10 | 8.00 | 7.25 | 0.50-0.75 |
| SBM Bank | 8.25 | 7.05 | 7.30 | 7.75 | 0.50 |
| AU Small Finance Bank | 8.10 | 7.25 | 7.50 | 7.25 | 0.50 |
| DCB Bank | 8.05 | 7.10 | 7.55 | 7.40 | 0.50 |
| Bandhan Bank | 8.05 | 8.05 | 7.25 | 5.85 | 0.50-0.75 |
| RBL Bank | 8.00 | 7.50 | 7.50 | 7.10 | 0.50 |
| Induslnd Bank | 7.99 | 7.75 | 7.25 | 7.25 | 0.50 |
| IDFC First Bank | 7.90 | 6.50 | 6.80 | 6.75 | 0.50 |
| YES Bank | 7.75 | 7.25 | 7.25 | 7.25 | 0.50-0.75 |
| Central Bank of India | 7.50 | 6.85 | 7.00 | 6.75 | 0.50 |
| Punjab & Sind Bank | 7.45 | 6.30 | 6.00 | 6.00 | 6.00 |
| HDFC Bank | 7.40 | 6.60 | 7.00 | 7.00 | 0.50 |
The final maturity value of the fixed deposit depends on PNB FD interest rates, tenure, total amount and type of FD chosen, i.e. cumulative FD or non-cumulative FD.
Under non-cumulative FD, PNB offers monthly, quarterly, half-yearly and yearly interest payout options under its traditional and tax saver plans. The monthly interest is paid at discounted rate and quarterly interest is paid at simple rates. But in case of half yearly/yearly interest pay-out options, interest is credited on a quarterly basis on the current/saving account of the depositor. In the case of cumulative PNB FD option (also known as reinvestment option), the interest component remains invested till FD maturity.
The reinvestment option for PNB FD is ideal for depositors needing regular income to meet their expenses. The cumulative investment option would help the depositor benefit from the power of compounding, as the interest component of the fixed deposit remains invested and starts generating interest income on its own.
Advantages of Using PNB FD Calculator
The major benefits of using online PNB FD Calculator are mentioned below:
Free of Cost
Prospective depositors can use the PNB FD calculator free of cost more than once to compare returns for different combinations of FD interest rates, tenure and principal amount.
Saves Time
Calculating the maturity value of FDs manually can be complicated and time-consuming, thus increasing the risk of human errors. PNB FD calculator follows an automated process to save time and provide accurate calculations.
Know Your Returns in Advance
PNB FD calculator helps prospective depositors get reliably accurate estimates of their total earnings from the investment. Therefore, prospective applicants can use the PNB FD calculator to decide on opting for a fixed deposit based on their liquidity requirements and cash flows.