PNPunjab National Bank Calculators & Rates 2026Public sector bank
Current PNB loan and deposit rates, each wired to a calculator preset to that rate — plus how PNB compares with other banks.
How PNB compares with other banks
PNB's home loan rate of 8.35% is the lowest of the 7 banks we track — 0.35 percentage points below the 8.70% median.
PNB's personal loan rate of 11.40% is the 7th lowest of 8 banks (best: HDFC at 10.75%) — 0.38 percentage points above the 11.02% median.
PNB's car loan rate of 8.90% is the 2nd lowest of 7 banks (best: BoB at 8.85%) — 0.20 percentage points below the 9.10% median.
PNB's 1-year FD rate of 6.80% is the 5th highest of 8 banks (best: AU SFB at 7.25%) — exactly the median of the banks we track.
PNB's 1-year RD rate of 6.70% is the 7th highest of 8 banks (best: AU SFB at 7.20%) — 0.05 percentage points below the 6.75% median.
Rankings use each bank’s headline rate; your offered rate depends on amount, tenure and credit profile, so treat these as a shortlist, not a verdict. The full picture per product — slab-wise tables and every bank side by side — is on FD rates and all banks.
PNB fees and rules that matter
The rate is only half the cost of a banking product. These are the charges and conditions from PNB’s own product terms that most change what you actually pay or receive:
Home loan
- Home loan rates are linked to PNB's Repo Linked Lending Rate (RLLR), so EMIs move with RBI repo changes.
- Floating-rate home loans to individual borrowers carry no prepayment or foreclosure charges.
- Women borrowers are typically offered a concession of 0.05% on the applicable rate.
- Processing-fee waiver campaigns are periodically offered under PNB's retail home-loan schemes.
Personal loan
- Personal loan interest is linked to PNB's RLLR plus a scheme-specific spread.
- Government and PSU employees are typically offered the most favourable rates and higher eligibility.
- Repayment tenure extends up to 6 years (72 months) for salaried borrowers.
- Pensioners drawing their pension through PNB have a dedicated personal-loan scheme.
Car loan
- Car loan rates are linked to PNB's RLLR, updated with RBI repo-rate movements.
- Financing of up to 85% of the on-road price is available for new cars.
- No prepayment or foreclosure charges apply on floating-rate car loans to individuals.
- Repayment tenure extends up to 7 years (84 months) for new vehicles.
FD · 1 year
- Deposits are insured by DICGC up to ₹5,00,000 per depositor per bank.
- Senior citizens earn an additional 0.50% over the applicable card rate.
- Super-senior citizens (aged 80 and above) are offered a further concession under PNB's schemes.
- PNB offers special single-tenure FD buckets that may carry higher promotional rates.
RD · 1 year
- Recurring deposits build savings through fixed monthly installments over the chosen tenure.
- RD balances are insured by DICGC up to ₹5,00,000 per depositor per bank.
- Senior citizens receive an additional 0.50% over the standard recurring-deposit rate.
- PNB's recurring-deposit tenures are aligned with its term-deposit buckets.
1 PNB rate(s) are overdue for a re-check — see the notice on those pages. Rates are indicative seed values; confirm with PNB before acting.