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The bank also offers various fixed deposit products for NRIs, such as NRE, NRO, RFC and FCNR (B) fixed deposits. Punjab & Sind Bank accepts FCNR (B) fixed deposits in US Dollars (USD), British Pound Sterling (GBP), Euro (EURO), Japanese Yen (JPY), Canadian Dollar (CAD), and Australian Dollar (AUD). The bank accepts RFC fixed deposits in EURO, GBP, USD, and JPY.
|
Punjab & Sind Bank Fixed Deposit (FD) Interest Rates (p.a.) |
|
| Highest slab rate | 6.60% (for 444 days) |
| For 1 year | 5.85% |
| For 2 years | 5.95% |
| For 3 years | 5.85% |
| For 4 years | 5.85% |
| For 5 years | 5.95% |
| Tax-Saving FD | 5.95% |
The interest rates are updated as of 26 December 2025
Book FDs at Interest rate upto 8.00% p.a
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Punjab and Sind Fixed Deposit Interest Rates
PSB FD Interest Rates on Domestic/NRO/Capital Gain Accounts Scheme 1988 deposits of less than Rs 3 crore w.e.f. 15 December 2025
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 7 days – 14 days | 2.85* | 2.85 |
| 15 days – 30 days | 2.85 | 2.85 |
| 31 days – 45 days | 2.85 | 2.85 |
| 46 days – 90 days | 3.35 | 3.35 |
| 91 days – 120 days | 3.35 | 3.35 |
| 121 days – 150 days | 3.35 | 3.35 |
| 151 days – 179 days | 4.85 | 4.85 |
| 180 days – 364 days | 4.85 | 4.35 |
| 1 year | 5.85 | 6.35 |
| Above 1 year – 374 days | 5.60 | 6.10 |
| 375 days | 6.40 | 6.90 |
| 376 days – 443 days | 5.60 | 6.10 |
| 444 days | 6.60 | 7.10 |
| 445 days – less than 22 months | 5.85 | 6.35 |
| 22 months (PSB Green Earth) | 5.95 | 6.45 |
| Above 22 months – less than 2 years | 5.85 | 6.35 |
| 2 years – 776 days | 5.95 | 6.45 |
| 777 days | 6.00 | 6.50 |
| 778 days – 998 days | 5.85 | 6.35 |
| 999 days | 6.00 | 6.50 |
| 1000 days – less than 3 years | 5.95 | 6.45 |
| 3 years – less than 44 months | 5.85 | 6.35 |
| 44 months (PSB Green Earth) | 5.95 | 6.45 |
| Above 44 months – less than 5 years | 5.85 | 6.35 |
| 5 years | 5.95 | 6.45 |
| Above 5 years – less than 66 months | 5.85 | 6.35 |
| 66 months (PSB Green Earth) | 5.95 | 6.45 |
| Above 66 months – 10 years | 5.85 | 6.35 |
Notes: 1. An additional 0.50% rate is offered to senior citizens for maturity of 180 days & above.
- Senior citizen’s preferential rates are not applicable to NRO and NRE deposits.
- *Minimum deposit should be Rs 1 lakh.
- An additional 0.15% interest rate is offered to super senior citizens (aged 80 years & above) on tenures 333 days, 444 days, 555 days, 777 days, 999 days and PSB Green Earth (22 months, 44 months, 66 months) deposits.
PSB Fixed Deposit Tax Saver Scheme
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 5 years | 5.95 | 6.45 |
Checked FD rates? Now check FD interest earnings using FD calculator
Explore Investment Options:
| Invest in Bonds | Types of Bonds | Bonds vs FD |
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| Government Bonds | Zero Coupon Bonds | Floating Rate Bonds |
Interest Rates on FCNR (B) Deposits w.e.f. 17 July 2025
| Tenure | Interest Rates (% p.a.) | ||||
| EURO | GBP | USD | CAD | AUD | |
| 1 year to less than 2 years | 2.75 | 4.70 | 5.50 | 3.50 | 3.75 |
| 2 years to less than 3 years | 1.50 | 3.25 | 3.75 | 3.30 | 3.60 |
| 3 years to less than 4 years | 1.50 | 2.75 | 3.50 | 3.00 | 3.10 |
| 4 years to less than 5 years | 1.50 | 2.75 | 3.50 | 3.25 | 3.10 |
| 5 years | 1.50 | 2.75 | 3.50 | 3.25 | 3.00 |
Interest rates on RFC Deposits w.e.f. 17 May 2022
| Tenure | Interest Rates (% p.a.) | |||
| EURO | GBP | USD | JPY | |
| 1 year to less than 2 years | 0.07 | 1.89 | 1.53 | – |
| 2 years to less than 3 years | 0.27 | 2.24 | 1.93 | – |
| 3 years | 0.42 | 2.39 | 2.18 | – |
Types of Punjab and Sind Bank FD Schemes
PSB Fixed Deposit Schemes
- Tenure: 7 days – 10 years
- Automatic renewal facility is restricted up to a maturity value below Rs. 2 crores
- Nomination facility is available
- Additional 0.50% p.a. interest rate is offered to senior citizen FD depositors from a tenure of 180 days to 10 years
PSB Fixed Deposit Tax Saver Scheme
- Deposits are eligible for a tax deduction of up to Rs 1.5 lakhs in a financial year under section 80C of the Income Tax Act
- Minimum amount of deposit: Rs 100
- Lock-in period: 5 years
- Nomination facility is available
PSB Dhan Lakshmi 444 Days
- Deposit Amount: Minimum – Rs 500; Maximum – Rs 1.99 crores
- Tenure: 444 days
- Senior citizens get an additional interest rate of 0.50% p.a. on the interest rates offered to regular citizens
- Super senior citizens (aged 80 years and above) are offered an additional interest rate of 0.15% p.a. on the interest rate offered to senior citizens
- Auto renewal facility is available
Foreign Currency (Non-Resident) Account (Banks) Scheme – FCNR (B) Account
- Depositors can hold deposits in any of these currencies: US Dollar (USD), Pound Sterling (GBP), Euro (EUR), Australian Dollar (AUD) and Canadian Dollar (CAD)
- Tenure: 1 year – 5 years
- Nomination facility is available
- The funds maintained in this account are repatriable
Non-Resident (External) Rupee Account Scheme – NRE Account
- Nomination facility is available
- The funds in this account are repatriable
Non-Resident Ordinary Rupee Account Scheme (NRO Account)
- Nomination facility is available
- Funds in this account are not repatriable except in the following cases:
- Current income
- Up to USD 1 million per financial year, for any bonafide purpose, out of the balances in the account, e.g., sale proceeds of assets in India acquired by way of purchase/inheritance/legacy inclusive of assets acquired out of settlement subject to certain conditions.
FD Calculator
Punjab & Sindh Bank has not provided an FD calculator on its website. Hence individuals planning to open a fixed deposit with a bank can visit Paisabazaar or other online financial marketplaces and use their FD Calculator to calculate the maturity amount based on the deposit amount, tenure, and Punjab & Sindh Bank FD rates.