PNB FD Calculator
Preset to PNB's current fd calculator rate of 6.8%. Change any value to see your own numbers.
- Current rate 6.80%
- Range 3.50–6.80%
- Rank #5 of 8 banks
- Verified 16 July 2026
PNB FD Calculator
- Principal₹1,00,000
- Interest @ 6.8%₹6,975
- Maturity amount₹1,06,975
Principal vs interest
- Principal ₹1,00,000
- Interest ₹6,975
PNB FD interest rates 2026
| Tenure / slab | Rate | Senior citizen |
|---|---|---|
| 7–45 days | 3.50% | 4.00% |
| 46–180 days | 5.50% | 6.00% |
| 1 year | 6.80% | 7.30% |
| 2–3 years | 6.75% | 7.25% |
| 5 years | 6.50% | 7.00% |
Punjab National Bank pays 6.8% on a 1-year fixed deposit as of 16 July 2026, with senior citizens earning about 0.50% more. The calculator above is preset to that rate so you can see your maturity instantly.
PNB's fixed deposit rates range from 3.50% to 6.80% across tenures. Below is the full PNB rate table, the deposit rules that matter, and how PNB stacks up against the 8 banks we track.
PNB FD — key facts
- 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.
How PNB compares
PNB's FD rate is below the category median. AU SFB pays more at 7.25%.
PNB FD FAQs
What is PNB's FD interest rate in 2026?
Punjab National Bank pays 6.8% on a 1-year FD, with rates across tenures ranging from 3.5% to 6.8%.
What FD rate do senior citizens get at PNB?
Senior citizens earn about 7.3% on a 1-year deposit — typically 0.50% above the regular rate. Turn on the senior-citizen option in the calculator to include it.
Is there a penalty for breaking a PNB FD early?
Deposits are insured by DICGC up to ₹5,00,000 per depositor per bank.
Are PNB deposits safe?
Deposits are insured by DICGC up to ₹5,00,000 per depositor per bank.