Punjab National Bank vs India Post - Post Office Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between Punjab National Bank (Public Sector) and India Post - Post Office (Public Sector).
PNB
Post Office
Adjust the parameters below to see how returns compare between the two banks
Five Lakhs rupees
Interest Rate Comparison
General rates across different tenures
Current selection: 3 years (1095 days) -PNB: % |Post Office: %
Direct comparison of general rates
Feature Comparison
Features | PNB Public Sector | Post Office Public Sector |
|---|---|---|
Minimum FD Amount | ₹500 | ₹1,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
Key Advantages:
Key Advantages:
₹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 PNB (₹5L) + Post Office (₹5L)
For ₹15 lakhs: Add a third bank to the mix
💡 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
- •Minimum amount: ₹500
- •Public Sector banking preference
- •Heritage bank
- •Wide network
- •Government backing
- •Minimum amount: ₹1,000
- •Public Sector banking preference
- •Government backed savings schemes
- •Nationwide post office network
- •Quarterly compounding on TD and RD
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Compare rates before investing
- •Consider branch convenience
- •Review rates periodically
Explore more FD comparisons
Looking for a different bank matchup? Use these quick links to jump to other FD comparisons.
Ready to Invest in Fixed Deposits?
Use our individual bank calculators for detailed planning