Bank FD Comparison Tool
DBS Bank vs Punjab & Sind Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between DBS Bank (Private Sector) and Punjab & Sind Bank (Public Sector). Analyze the security of public sector banking versus the convenience of private sector services.
DBS
Private Sector
VS
PSB
Public Sector
DBS: Min ₹10,000
PSB: Min ₹1,000
Security vs Convenience
DICGC Insured up to ₹5 Lakhs
Compare Your FD Returns
Adjust the parameters below to see how returns compare between the two banks
₹
Five Lakhs rupees
₹10,000₹20,00,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -DBS: % |PSB: %
Side-by-Side Rate Comparison
Direct comparison of general rates
DBS
PSB
Highlighted = Your selected tenure
Feature Comparison
Features | DBS Private Sector | PSB Public Sector |
|---|---|---|
Minimum FD Amount | ₹10,000 | ₹1,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
DBS Bank
Private Sector Bank
Key Advantages:
Private sector bank (formerly LVB)
Senior citizens get preferential rates for tenures of 181 days and longer
Digital banking services (digibank)
Online FD booking facility
Competitive interest rates
Rates effective from November 14, 2025
Punjab & Sind Bank
Public Sector Bank
Key Advantages:
Government-owned public sector bank
Established in 1908, nationalized in 1969
Wide branch network across India
Special schemes: 375 Days, 444 Days, 777 Days, 999 Days (Callable)
PSB Green Earth Deposit scheme (22M, 44M, 66M)
Senior citizens get +0.50% additional interest
Super Senior Citizens (80+) get +0.15% on special schemes
Online FD booking facility
Important: Fixed Deposit Safety & Insurance Coverage
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This means if you deposit more than ₹5 lakhs in a single bank, only ₹5 lakhs is guaranteed by the government.
⚠️ Recommendation:
Never deposit more than ₹5 lakhs in a single bank. If you have larger amounts, distribute them across multiple banks to ensure full insurance coverage.
Smart Distribution Strategy
For ₹10 lakhs: Split between DBS (₹5L) + PSB (₹5L)
For ₹15 lakhs: Add a third bank to the mix
Best of Both: Combine DBS (convenience) with PSB (security)
💡 Pro Tip:
You can also open FDs in different family members' names in the same bank to get additional ₹5 lakh coverage for each account holder.
Key Insights & Recommendations
Choose DBS If:
- •Minimum amount: ₹10,000
- •Private Sector banking preference
- •Private sector bank (formerly LVB)
- •Senior citizens get preferential rates for tenures of 181 days and longer
- •Digital banking services (digibank)
Choose PSB If:
- •Minimum amount: ₹1,000
- •Public Sector banking preference
- •Government-owned public sector bank
- •Established in 1908, nationalized in 1969
- •Wide branch network across India
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Use DBS for convenience
- •Use PSB for stability
- •Review rates periodically
Explore more FD comparisons
Looking for a different bank matchup? Use these quick links to jump to other FD comparisons.
Compare DBS with other banks
Compare PSB with other banks
Ready to Invest in Fixed Deposits?
Use our individual bank calculators for detailed planning