Bank FD Comparison Tool
DCB Bank vs Punjab National Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between DCB Bank (Private Sector) and Punjab National Bank (Public Sector). Analyze the security of public sector banking versus the convenience of private sector services.
DCB Bank
Private Sector
VS
PNB
Public Sector
DCB Bank: Min ₹1,000
PNB: Min ₹500
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
₹1,000₹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) -DCB Bank: % |PNB: %
Side-by-Side Rate Comparison
Direct comparison of general rates
DCB Bank
PNB
Highlighted = Your selected tenure
Feature Comparison
Features | DCB Bank Private Sector | PNB Public Sector |
|---|---|---|
Minimum FD Amount | ₹1,000 | ₹500 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 0.5% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
DCB Bank
Private Sector Bank
Key Advantages:
Private sector bank
Competitive interest rates
Digital banking services
Online FD booking facility
Auto-renewal facility available
Tax Saver FD with 5-year lock-in period
Senior citizens get additional interest (varies by tenure)
Rates applicable for deposits less than ₹3 Crore
Interest compounded quarterly
Rates effective from 16th January 2026
Special rates for 37-38 months and 60-61 months tenures
Punjab National Bank
Public Sector Bank
Key Advantages:
Heritage bank
Wide network
Government backing
Affordable banking
Rural presence
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 DCB Bank (₹5L) + PNB (₹5L)
For ₹15 lakhs: Add a third bank to the mix
Best of Both: Combine DCB Bank (convenience) with PNB (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 DCB Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Private sector bank
- •Competitive interest rates
- •Digital banking services
Choose PNB If:
- •Minimum amount: ₹500
- •Public Sector banking preference
- •Heritage bank
- •Wide network
- •Government backing
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Use DCB Bank for convenience
- •Use PNB 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 DCB Bank with other banks
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