Punjab National Bank (PNB) offers FD interest rates of 3.50-7.25% p.a. to the general public and 4.00-7.75% p.a. to senior citizens on tenures ranging from 7 days to 10 years. The interest rate on PNB Tax Saving FDs is 6.10% p.a. to the general public and 6.60% p.a. for senior citizen depositors. The bank also offers various fixed deposit products for NRIs, such as NRO, NRE, and FCNR (B) fixed deposits. PNB accepts FCNR (B) fixed deposits in US Dollars (USD), British Pound Sterling (GBP), Euro (EUR), Canadian Dollar (CAD), Japanese Yen (JPY), and Australian Dollar (AUD).
& Get a Lifetime Free Step Up Credit Card
*Rates are subject to change as per the bank's discretion.
| Highest slab rate | 7.25% p.a. (for 666 days) |
| For 1 year | 6.80% p.a. |
| For 2 years | 6.80% p.a. |
| For 3 years | 7.00% p.a. |
| For 4 years | 6.50% p.a. |
| For 5 years | 6.50% p.a. |
| Tax-Saving FD | 6.50% p.a. |
The interest rates are updated as of 27 March 2023
FDs of up to ₹5 lakhs insured by RBI
No hassle of opening a saving account
No documentation
| 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 | 4.50 | 5.00 | 5.30 |
| 180 to 270 days | 5.50 | 6.00 | 6.30 |
| 271 days to less than 1 year | 5.80 | 6.30 | 6.60 |
| 1 year | 6.80 | 7.30 | 7.60 |
| Above 1 year to 665 days | 6.80 | 7.30 | 7.60 |
| 666 days | 7.25 | 7.75 | 8.05 |
| 667 days to 2 years | 6.80 | 7.30 | 7.60 |
| Above 2 years to 3 years | 7.00 | 7.50 | 7.80 |
| Above 3 years to 5 years | 6.50 | 7.00 | 7.30 |
| Above 5 years to 10 years | 6.50 | 7.00 | 7.30 |
Note: The additional senior citizen rates are not applicable for NRO deposits
Card limit is 100% of FD Amount
Instant Virtual Card
7.3%INTEREST ON FD| Tenure | Interest Rates (% p.a.) | |
| For General Public | For Senior Citizens | |
| 5 years | 6.50 | 7.00 |
| Above 5 years to 10 years | 6.50 | 7.00 |
| Tenure | Interest Rates (% p.a.) |
| 7 days to 14 days | 5.50 |
| 15 days to 29 days | 5.50 |
| 30 days to 45 days | 5.50 |
| 46 days to 90 days | 5.50 |
| 91 days to 179 days | 6.00 |
| 180 days to 270 days | 6.25 |
| 271 days to less than 1 year | 6.25 |
| 1 year | 6.75 |
| Above 1 year to 2 years | 6.50 |
| Above 2 years to 3 years | 6.50 |
| Above 3 years to 5 years | 6.25 |
| Above 5 years to 10 years | 5.60 |
| Tenure | Interest Rates (% p.a.) |
| 1 year | 6.75 |
| Above 1 year to 665 days | 6.75 |
| 666 days | 7.25 |
| 667 days to 2 years | 6.75 |
| Above 2 years to 3 years | 6.75 |
| Above 3 years to 5 years | 6.50 |
| Above 5 years to 10 years | 6.50 |
| Currency/Tenure | Interest Rates (% p.a.) | ||||
| 1 year to less than 2 years | 2 years to less than 3 years | 3 years to less than 4 years | 4 years to less than 5 years | 5 years only | |
| USD# | 5.55 | 4.55 | 4.55 | 4.55 | 4.50 |
| GBP# | 4.78 | 3.93 | 3.95 | 3.93 | 3.93 |
| EUR# | 2.40 | 2.40 | 2.40 | 2.40 | 2.40 |
| JPY | 0.02 | 0.04 | 0.04 | 0.04 | 0.04 |
| CAD | 4.50 | 4.50 | 4.50 | 4.50 | 4.50 |
| AUD | 3.65 | 3.65 | 3.35 | 3.35 | 3.35 |
#The interest rates are applicable for deposits of less than Rs 10 lakhs
| Particulars | PNB Visa Signature Credit Card | Millennial Credit Card |
| Card Limit | Up to 80% of FD Minimum Limit: Rs 1.25 lakhs Maximum Limit: Rs 15 lakhs | Up to 80% of FD Minimum Limit: Rs. 50,000 Maximum Limit: Rs 10 lakhs |
| Minimum FD | Rs 1.6 lakhs | Rs 65,000 |
| Joining Fee | Rs 1,500 | Rs 399 |
| Annual Fee | Rs 2,000 p.a. (waived on spending Rs 3 lakhs in the previous financial year) | Rs 999 p.a. (waived on spending Rs 1 lakh in the previous financial year) |
| Add on Card Fee | Rs 500 | Rs 399 |
| Finance Charges | 19.56% p.a. | 19.56% p.a. |
