PNB FD Interest Rate: Punjab National Bank Fixed Deposit Interest Rate For Public and Senior Citizens [Updated]

PNB FD Interest Rate 2025: The Punjab National Bank (PNB) has released its new updated Interest Rate on Fixed Deposits (FD). Recently, the Reserve Bank of India (RBI) has reduced the repo rate to 6%. Due to this, interest rate on FD has been decreased by all the banks in India. Along with FD, interest rates on Loans have also been decreased. The revised interest rates are as under (Rates in % p.a):

PNB FD Interest Rate [Updated] from 10.04.2025:

Domestic term deposits (Below Rs. 3 crore) interest rates revised w.e.f. 10.04.2025

Domestic/NRO $ Fixed Deposit Scheme
Sl. No	Period	Revised Rates For Public w.e.f. 10.04.2025	*Revised Rates for Senior Citizens w.e.f. 10.04.2025	#Revised Rates for Super Senior Citizens w.e.f. 10.04.2025
1	7 to 14 Days	3.50	4.00	4.30
2	15 to 29 Days	3.50	4.00	4.30
3	30 to 45 Days	3.50	4.00	4.30
4	46 to 60 Days	4.50	5.00	5.30
5	61 to 90 Days	4.50	5.00	5.30
6	91 to 179 Days	5.50	6.00	6.30
7	180 to 270 Days	6.25	6.75	7.05
8	271 Days to 299 Days	6.50	7.00	7.30
9	300 Days	6.50	7.00	7.30
10	301 Days to 302 Days	6.50	7.00	7.30
11	303 Days**	6.40	6.90	7.20
12	304 Days to < 1 Years	6.50	7.00	7.30
13	1 Year	6.80	7.30	7.60
14	> 1 Year to 389 days	6.80	7.30	7.60
15	390 days	7.10	7.60	7.90
16	391 Days to 399 Days	6.80	7.30	7.60
17	400 Days	6.80	7.30	7.60
18	401 Days-505 Days	6.80	7.30	7.60
19	506 Days**	6.70	7.20	7.50
20	507 Days to 2 year	6.80	7.30	7.60
21	> 2 years to 3 years	6.75	7.25	7.55
22	> 3 years to 1203 days	6.25	6.75	7.05
23	1204 days**	6.15	6.65	6.95
24	1205 days to 5 years	6.25	6.75	7.05
25	> 5 years to 1894 days	6.00	6.80	6.80
26	1895 days**	5.85	6.65	6.65
27	1896 days to 10 years	6.00	6.80	6.80

PNB Uttam (Non-Callable) Fixed Deposit Scheme( for Deposit above Rs. 1 Crore to less than Rs 3 Crore)
Sl. No	Period	Revised Rates For Public w.e.f. 10.04.2025	*Revised Rates for Senior Citizens w.e.f. 10.04.2025	#Revised Rates for Super Senior Citizens w.e.f. 10.04.2025
1	91 to 179 days	5.55	6.05	6.35
2	180 days to 270 days	6.30	6.80	7.10
3	271 days to 299 Days	6.55	7.05	7.35
4	300 Days	6.55	7.05	7.35
5	301 days to 302 days	6.55	7.05	7.35
6	303 Days **	6.45	6.95	7.25
7	304 days to < 1 yr	6.55	7.05	7.35
8	1 Years	6.85	7.35	7.65
9	>1 Years to 389 Days	6.85	7.35	7.65
10	>390 Days	7.15	7.65	7.95
11	>391 Days to 399 Days	6.85	7.35	7.65
12	400 days	6.85	7.35	7.65
13	401 Days to 505 Days	6.85	7.35	7.65
14	506 Days**	6.75	7.25	7.55
15	507Days to 2 years	6.85	7.35	7.65
16	> 2 years to 3 years	6.80	7.30	7.60
17	> 3 years to 1203 days	6.30	6.80	7.10
18	1204 days**	6.20	6.70	7.00
19	1205 days to 5 years	6.30	6.80	7.10
20	> 5 years to 1894 days	6.05	6.85	6.85
21	1895 days**	5.90	6.70	6.70
22	1896 days to 10 years	6.05	6.85	6.85

*Senior Citizen-Age 60 Year and upto < 80 Year, #Super Senior Citizen- Age 80 Year and above.

**The additional rate of interest applicable on domestic deposits accepted from senior citizens is not applicable for NRO deposits.
**Two buckets of 1204 days & 1895 days have been specifically identified under the PNB Palaash scheme, to commemorate our Banks’s foundation day, i.e. 12th of April, 1895.

• The Senior citizens of age 60 years and above to below 80 years shall get an additional rate of interest of 50 bps over applicable card rates for a period up to 5 years and 80bps for a period above 5 years on domestic deposits of less than Rs. 3 Crore. In case of retired staff members who are also Senior Citizens, maximum rate of interest to be allowed over applicable card rate shall be 150 bps for a period up to 5 years and 180bps for period above 5 years.
• Super Senior Citizens of age 80 years & above shall get additional rate of interest of 80bps over applicable card rate across all maturity buckets. In case of retired staff members who are also Super Senior Citizens, maximum rate of interest to be allowed over applicable card rate shall be 180 bps over applicable card rate across all maturity buckets.
• “The Calculation of Interest on Deposits accepted under different scheme is to be paid on the basis of 365 Days a Year, unless otherwise specified”.
• Deposit shall be accepted for maturity up to 10 years only. But under Regulatory/Statutory/Enforcement/Other Legal Agencies/Court Orders, deposit for tenor more than 10 years can be accepted and the rate of interest applicable on deposits of tenor 10 years shall be applied on the same.

Domestic term deposits (Rs 3 crore and above) interest rates revised w.e.f. 10.04.2025

Domestic TD Rs.3 Cr. To 10 Cr.
		Domestic Fixed Deposit Scheme		PNB Uttam (Non Callable) Fixed Deposit Scheme
Sl. No	Period	Existing Rates For Public w.e.f. 01.03.2025	Revised Rates For Public w.e.f. 10.04.2025	Existing Rates For Public w.e.f. 01.03.205	Revised Rates For Public w.e.f. 10.04.2025
1	7 days to 14 days	5.25	5.25	NA	NA
2	15 days to 29 days	5.25	5.25	NA	NA
3	30 days to 45 days	5.25	5.25	NA	NA
4	46 days to 60 days	6.25	5.50	NA	NA
5	61 days to 90 days	6.25	5.50	NA	NA
6	91 to 179 days	6.50	5.50	7.05	5.55
7	180 days to 270 Days	6.65	6.25	7.30	6.30
8	271 days to 299 Days	6.75	6.50	7.30	6.55
9	300 Days
10	301 Days to 302Days
11	303Days **	7.00	6.40	7.05	6.45
12	304 Days to < 1 Year	6.75	6.50	7.30	6.55
13	1 Year	7.25	6.80	7.55	6.85
14	> 1 Year to 389 Days	6.80	6.80	6.85	6.85
15	390 Days	6.80	6.80	6.85	6.85
16	391 Days to 399 Days	6.80	6.80	6.85	6.85
17	400 days	6.80	6.80	6.85	6.85
18	401 Days to 505 Days	6.80	6.80	6.85	6.85
19	506Days **	6.70	6.70	6.75	6.75
20	507 Days to 2 year	6.80	6.80	6.85	6.85
21	> 2 year to 3 years	6.50	6.50	6.55	6.55
22	> 3 year to 1203 days	6.25	6.25	6.30	6.30
23	1204 days**	6.15	6.15	6.20	6.20
24	1205 days to 5 years	6.25	6.25	6.30	6.30
25	> 5 years to 1894 days	5.60	5.60	5.65	5.65
26	1895 days**	5.45	5.45	5.50	5.50
27	1896 days to 10 years	5.60	5.60	5.65	5.65

# The rates for Rs.3 Crore to Rs.10 Crore are not to be loaded with additional rate of interest for Sr. Citizens, staff accounts etc.