Punjab National Bank or PNB provides a bunch of FD schemes to suit the varying needs of its customers. These schemes are classified based on factors like tenure, deposit amount, etc. The bank also provides a special fixed deposit scheme to provide financial aid to road accident victims. With security provided by the bank along with auxiliary services like premature withdrawal and overdraft facility, PNB FD rates provide investors with decent returns on their savings.
In addition to all these features, many banks also offer another feature, viz, credit cards against FD. These cards are issued against your FD and are secured credit options. If you’re also looking for a credit card, click the banner below.
Table of Contents
PNB Fixed Deposit Rates 2022
- Domestic/NRO Term Deposit FD Rates
| Tenure | Rate of Interest (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 7 to 14 days | 2.90% | 3.40% |
| 15 to 29 days | 2.90% | 3.40% |
| 30 to 45 days | 2.90% | 3.40% |
| 46 to 90 days | 3.25% | 3.75% |
| 91 to 179 days | 3.80% | 4.30% |
| 180 days to 270 Days | 4.40% | 4.90% |
| 271 days to less than 1 year | 4.40% | 4.90% |
| 1 year | 5.00% | 5.50% |
| Above 1 year and up to 2 years | 5.00% | 5.50% |
| Above 2 years and up to 3 years | 5.10% | 5.60% |
| Above 3 years and up to 5 years | 5.25% | 5.75% |
| Above 5 years and up to 10 years | 5.25% | 5.75% |
Note: The Interest Rate applicable on Term Deposits of less than Rs. 2 Crores, for the maturity of more than 1 year, to all senior citizens will be 0.50% over and above the rate payable. (Interest Rates are effective from 1st August 2021)
- Bulk Term Deposit FD Rates
| Tenure | Interest Rates (% p.a.) |
| Regular Citizens | |
| 7 days to 14 days | 2.90% |
| 15 days to 29 days | 2.90% |
| 30 days to 45 days | 2.90% |
| 46 days to 90 days | 3.25% |
| 91 days to 179 days | 3.80% |
| 180 days to 270 days | 4.40% |
| 271 days to less than 1 year | 4.50% |
| 1 year | 5.00% |
| Above 1 year and up to 2 years | 5.00% |
| Above 2 years and up to 3 years | 5.10% |
| Above 3 years and up to 5 years | 5.25% |
| Above 5 years and up to 10 years | 5.25% |
Note: The above-mentioned Punjab National Bank FD rates apply to bulk deposits worth Rs. 2 crores to Rs. 10 crores. Also, no preferential rates are provided to senior citizens when making bulk deposits. (The above-mentioned interest rates are effective from 1st August 2021)
- PNB Tax Saver FD Rates
| Tenure | PNB Tax Saver Fixed Deposit Rates | |||
| For General Public | For Senior Citizens | For Staff Members | For Retired Staff Members | |
| 5 years | 5.25% | 5.75% | 6.25% | 6.25% |
| Above 5 years to 10 years | 5.25% | 5.75% | 6.25% | 6.25% |
The above-mentioned interest rates effective from 1st May 2021.
