Punjab National Bank Interest Rates & Calculators
Complete guide to Punjab National Bank interest rates for FD, RD, and loans, plus top credit card comparison. Use our calculators to plan investments better.
Best FD Rate
7.1% p.a.
Home Loan
From 7.45%
Punjab National Bank FD Rates Overview
Punjab National Bank currently offers fixed deposit interest rates of up to 6.6% p.a. for the general public, and 7.1% for senior citizens. The full slab-wise PNB rate table is below — use the FD and RD calculators to compute your exact maturity amount.
Calculators & Simulators
PNB Planning & Calculators
Verified rates & instant amortization schedules for deposits, loans, and cards.
Deposits & Savings2 tools
Loans & Borrowing6 tools
PNB Home Loan EMI
Amortization & monthly EMI schedule
From 7.45% p.a.
PNB Personal Loan
Collateral-free flexible financing
From 10.5%
PNB Car Loan EMI
New passenger vehicle financing
From 7.8% p.a.
PNB Used Car Loan
Certified pre-owned vehicle EMI
From 9.65% p.a.
PNB Two Wheeler Loan
Bike & scooter loan EMI
From 11.1% p.a.
PNB Gold Loan EMI
Instant 18K/22K jewelry liquidity
From 9.2% p.a.
Credit Cards & Privileges1 tool
Latest PNB Interest Rates
Verified rate tables updated as banks revise deposit & loan terms.
Fixed Deposit Rates
Latest interest rates for all tenures. Compare general and senior citizen slabs.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 to 14 Days | 3% | 3.5% |
15 to 45 Days | 3% | 3.5% |
46 to 90 Days | 4.5% | 5% |
91 to 154 Days | 4.9% | 5.4% |
155 Days | 5.55% | 6.05% |
156 Days to 179 Days | 4.9% | 5.4% |
180 to 270 Days | 5.6% | 6.1% |
271 Days to 302 Days | 5.6% | 6.1% |
303 Days | 5.55% | 6.05% |
304 Days to >1 Year | 5.6% | 6.1% |
1 Year | 6.25% | 6.75% |
>1 Year to 389 Days | 6.3% | 6.8% |
390 Days | 6.3% | 6.8% |
391 Days to 443 Days | 6.3% | 6.8% |
444 DaysHighest Yield | 6.6% | 7.1% |
445 Days to 665 Days | 6.3% | 6.8% |
666 Days | 6.5% | 7% |
667 Days to 2 Years | 6.3% | 6.8% |
>2 to 3 Years | 6.3% | 6.8% |
>3 Years to 1203 Days | 6.35% | 6.85% |
1204 Days | 6.3% | 6.8% |
1205 Days to 5 Years | 6.35% | 6.85% |
>5 Years to 10 Years | 6% | 6.8% |
Recurring Deposit Rates
Latest interest rates for all tenures. Compare general and senior citizen slabs.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 to 14 Days | 3% | 3.5% |
15 to 45 Days | 3% | 3.5% |
46 to 90 Days | 4.5% | 5% |
91 to 154 Days | 4.9% | 5.4% |
155 Days | 5.55% | 6.05% |
156 Days to 179 Days | 4.9% | 5.4% |
180 to 270 Days | 5.6% | 6.1% |
271 Days to 302 Days | 5.6% | 6.1% |
303 Days | 5.55% | 6.05% |
304 Days to >1 Year | 5.6% | 6.1% |
1 Year | 6.25% | 6.75% |
>1 Year to 389 Days | 6.3% | 6.8% |
390 Days | 6.3% | 6.8% |
391 Days to 443 Days | 6.3% | 6.8% |
444 DaysHighest Yield | 6.6% | 7.1% |
445 Days to 665 Days | 6.3% | 6.8% |
666 Days | 6.5% | 7% |
667 Days to 2 Years | 6.3% | 6.8% |
>2 to 3 Years | 6.3% | 6.8% |
>3 Years to 1203 Days | 6.35% | 6.85% |
1204 Days | 6.3% | 6.8% |
1205 Days to 5 Years | 6.35% | 6.85% |
>5 Years to 10 Years | 6% | 6.8% |
Loan Interest Rates
Verified loan interest rates and processing fees across retail borrowing categories.
| Type / Tenure | Min Rate | Max Rate | Processing Fee |
|---|---|---|---|
Home LoanLowest Starting Rate | 7.45% | 9.35% | Housing Loan: Processing Fees* 0.35% of the loan amount Minimum- Rs. 2,500/ Maximum- Rs. 15,000/; Documentation Charges* Rs.1350/-. WAIVER OF PROCESSING/UPFRONT FEES AND DOCUMENTATION CHARGES UNDER "PNB UTSAV FESTIVITIES 2026" CELEBRATE DREAMS, CELEBRATE LIFE FROM 01.10.2026 TO 31.12.2026: Home Loan Upfront Fees / Processing Fees — Full waiver; Documentation Charges — Full waiver. |
| 10.5% | 17.05% | 1.00% of loan amount + GST (Nil for Defence personnel) | |
| 7.8% | 10.95% | Not published | |
| 9.2% | 9.25% | 0.30% of loan amount + GST, min Rs. 500 |
Official Card Registry (2026)
PNB Credit Cards (24)
Select any card to explore full rewards, airport lounge access & application benefits.
PNB RuPay Metal LUXURA Credit Card
super-premium₹7,500/yr4 Pts / ₹100
View Card Details
PNB Visa Metal LUXURA Credit Card
super-premium₹1,999/yr4 Pts / ₹100
View Card Details
PNB Visa Signature Credit Card
premium₹2,000/yr1 Pts / ₹100
View Card Details
PNB Premium Metal Credit Card LUXURA (Army Officer)
premium₹1,999/yr2.67 Pts / ₹100
View Card Details
PNB EMT RuPay Platinum Credit Card
mid₹2,000/yr1 Pts / ₹100
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PNB RuPay Millennial Credit Card
mid₹999/yr1 Pts / ₹100
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PNB Braille RuPay Select Card
mid₹750/yr0 Pts / ₹100
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PNB BLISS Credit Card
mid₹510/yr1 Pts / ₹100
View Card Details
PNB-Zaggle Co-Branded Twin Credit Card
mid₹499/yr3.33 Pts / ₹100
View Card Details
PNB RRB Co-branded Credit Card
mid₹499/yr0 Pts / ₹100
View Card Details
PNB RuPay Select Credit Card
midLifetime Free1.33 Pts / ₹100
View Card Details
PNB Rakshak RuPay Select Credit Card
midLifetime Free1.33 Pts / ₹100
View Card Details
PNB Visa Platinum Credit Card
midLifetime Free1.33 Pts / ₹100
View Card Details
PNB Patanjali RuPay Select Credit Card
midLifetime Free1.33 Pts / ₹100
View Card Details
PNB SALARY RuPay Select Credit Card
midLifetime Free1.33 Pts / ₹100
View Card Details
PNB KIWI Co-Branded Credit Card
entry₹750/yr0.5% Cashback
View Card Details
PNB RuPay Platinum Credit Card
entryLifetime Free1 Pts / ₹100
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PNB Rakshak RuPay Platinum Credit Card
entryLifetime Free1 Pts / ₹100
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PNB Visa Classic Credit Card
entryLifetime Free1 Pts / ₹100
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PNB Visa Gold Credit Card
entryLifetime Free1 Pts / ₹100
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PNB Patanjali RuPay Platinum Credit Card
entryLifetime Free1 Pts / ₹100
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PNB SALARY RuPay Platinum Credit Card
entryLifetime Free1 Pts / ₹100
View Card Details
PNB Prakram Credit Card
entryLifetime Free2 Pts / ₹100
View Card Details
PM SVANIDHI Credit Card
entryLifetime Free0 Pts / ₹100
View Card Details
Why Choose Punjab National Bank?
Key benefits and features of banking with Punjab National Bank.
Competitive Rates
Up to 7.1% returns on deposits with attractive rates across short & long tenures.
Bank Security
Government-backed security with DICGC insurance up to ₹5 Lakhs.
Digital Banking
Instant online FD/RD booking, mobile banking apps, and quick digital loans.
Customer Service
Extensive branch & ATM network across India with dedicated support.
Key Features & Perks
Best FD Rate: 7.1% for Senior Citizens
General Rate: 6.6% for all citizens
Min FD Amount: ₹1 only
Min RD Amount: ₹100 monthly
Home Loan Rate: From 7.45%
Personal Loan: From 10.5%
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹50,000 per annum (₹1,00,000 for senior citizens)
Online Banking Available
Loan Against FD: Up to 90%
Heritage bank
Wide network
Government backing
Affordable banking
Rural presence
RD interest = card rate applicable to the tenor of deposit (verbatim official T&C on RD scheme page: "Rate of interest would be Card rate as applicable to the tenor of deposit as displayed on website, subject to change from time to time."); no separate RD table
Interest rates last updated: Jun 2026
Verify on Punjab National Bank Official WebsiteMarket Comparison
Compare Rates with Other Banks
Check latest fixed deposit interest rates across peer financial institutions before investing.
