Bank FD Comparison Tool
Punjab & Sind Bank vs Catholic Syrian Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between Punjab & Sind Bank (Public Sector) and Catholic Syrian Bank (Private Sector). Analyze the security of public sector banking versus the convenience of private sector services.
PSB
Public Sector
VS
CSB Bank
Private Sector
PSB: Min ₹1,000
CSB Bank: 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
₹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) -PSB: % |CSB Bank: %
Side-by-Side Rate Comparison
Direct comparison of general rates
PSB
CSB Bank
Highlighted = Your selected tenure
Feature Comparison
Features | PSB Public Sector | CSB Bank Private Sector |
|---|---|---|
Minimum FD Amount | ₹1,000 | ₹1,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
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
Catholic Syrian Bank
Private Sector Bank
Key Advantages:
Private sector bank established in 1920
Strong presence in Kerala and South India
Competitive interest rates with special 13-month scheme at 7.00%
Digital banking services
Online FD booking facility
Senior citizens get +0.50% additional interest
Note: Rates sourced from third-party aggregator due to website CAPTCHA protection - please verify from official source
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 PSB (₹5L) + CSB Bank (₹5L)
For ₹15 lakhs: Add a third bank to the mix
Best of Both: Combine PSB (security) with CSB Bank (convenience)
💡 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 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
Choose CSB Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Private sector bank established in 1920
- •Strong presence in Kerala and South India
- •Competitive interest rates with special 13-month scheme at 7.00%
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Use PSB for stability
- •Use CSB Bank for convenience
- •Review rates periodically
Explore more FD comparisons
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