| TENURE | REGULAR RATES | SENIOR CITIZEN |
| 7 to 14 days | 3.50% | 4.00% |
| 15 to 29 days | 3.50% | 4.00% |
| 30 to 45 days | 3.50% | 4.00% |
| 46 to 90 days | 4.50% | 5.00% |
| 91 to 179 days | 4.50% | 5.00% |
| 180 to 270 days | 6.25% | 6.75% |
| 271 days to 299 days | 6.50% | 7.00% |
| 300 days | 7.05% | 7.55% |
| 301 days to less than 1 year | 6.50% | 7.00% |
| 1 year | 6.80% | 7.30% |
| Above 1 year to 399 days | 6.80% | 7.30% |
| 400 days | 7.25% | 7.75% |
| 401 days to 2 years | 6.80% | 7.30% |
| Above 2 years to 3 years | 7.00% | 7.50% |
| Above 3 years to 1203 days | 6.50% | 7.00% |
| 1204 days | 6.40% | 6.90% |
| 1205 days to 5 years | 6.50% | 7.00% |
| Above 5 years to 1894 days | 6.50% | 7.30% |
| 1895 days | 6.35% | 7.15% |
| 1896 days to 10 years | 6.50% | 7.30% |
PNB Anupam Term Deposit Scheme
The PNB Anupam Term Deposit Scheme is a fixed deposit option offered by Punjab National Bank (PNB) in India. It caters to a wide range of individuals and entities, including sole proprietors, partnerships, companies, and trusts. Anupam scheme offers a unique advantage: an overdraft facility. The interest rates offered are linked to PNB's base rate and can vary depending on the deposit tenure and your profile (senior citizens may get better rates).
Returns as high
as 7.1%*
Includes life cover
Completely Tax free+
as 7.1%*
Includes life cover
Completely Tax free+
Maximum returns Offered by
Guaranteed
Highest
7.1%*
Guaranteed Plan
(by insurance companies)
(10 Years)
6.5%**
Fixed Deposits
(by SBI bank)
(5-10 Years)
7.1%***
Public Provident Fund
(other popular options)
(15 Years)
Get Guaranteed returns up to 7.1%*
Fully Tax-Free* (unlike FD), Life Cover Included
- Home
- FD Interest Rates
- PNB FD Interest Rates
- PNB Anupam Term Deposit Scheme
FD Interest Rates of Domestic/NRO (Below Rs. 3 Crore) W.E.F. 10.06.2024
Comparison Between
Guaranteed Return Plans
Returns Before Tax
7.5% (TAX-FREE)
Returns After Tax
7.5%
Guaranteed Returns
Yes
Life Cover
Yes
Tax on Profit
Tax Free*
Risk
No Risk
Still Better than FD’s and Debt Mutual Fund
Fixed Deposits
Returns Before Tax
7% (TAXABLE)
Returns After Tax
4.8%
Guaranteed Returns
Yes
Life Cover
No
Tax on Profit
Taxable
Risk
Low Risk
Debt Mutual Fund
Returns Before Tax
8% (TAXABLE)
Returns After Tax
5.5%
Guaranteed Returns
No
Life Cover
No
Tax on Profit
Taxable
Risk
High Risk
*For annual premium upto ₹5 Lacs
People also read: PNB FD Interest Rates
FD Interest Rates of Domestic/NRO (Rs. 3 Crore and Above) W.E.F. 10.06.2024
| Period | Revised Rates For General Citizen W.E.F. 10.06.2024 (%) |
| 7 days to 14 days | 6.00 |
| 15 days to 29 days | 6.00 |
| 30 days to 45 days | 6.00 |
| 46 days to 60 days | 6.40 |
| 61 days to 90 days | 6.60 |
| 91 to 179 days | 6.50 |
| 180 days to 270 Days | 6.65 |
| 271 days to 299 Days | 6.75 |
| 300 Days | 6.75 |
| 300 Days to < 1 Year | 6.75 |
| 1 Year | 7.25 |
| > 1 Year to 399 Days | 6.80 |
| 400 days | 6.80 |
| 401 days to 2 years | 6.80 |
| > 2 year to 3 years | 6.50 |
| > 3 year to 1203 days | 6.25 |
| 1204 days** | 6.15 |
| 1205 days to 5 years | 6.25 |
| > 5 years to 1894 days | 5.60 |
| 1895 days** | 5.45 |
| 1896 days to 10 years | 5.60 |
Features of PNB Anupam Term Deposit Scheme
-
Deposit Amount:
-
Minimum: Rs. 10,000/-
-
Multiples: Rs. 1,000/-
-
Maximum: Rs. 1,99,99,000/-
-
-
Period of Deposit: From 6 months to 120 months
-
Interest: As per the card rate guidelines issued by HO: IRMD, (ALM Cell)
-
Demand Loan/Overdraft Facility:
-
Requires a request letter along with the Account Opening Form (AOF)
-
Overdraft is permitted through a Current Account; Cheque Book issued on the same day
-
Actual drawings allowed from the subsequent day
-
Branch Manager may permit Drawing Power (DP) against accrued interest
-
Governed by L&A Circulars from HO: IRMD
-
Manager/Incumbent Incharge attestation on AOF is deemed as sanction
-
Not reported in the Limit Sanctioned Statement (LSS) and Documents Register
People also read: FD Interest Rates
-
-
Third-Party Advance:
-
Not allowed under Anupam Account
-
Overdraft facility to a proprietorship firm against Term Deposit in the name of its proprietor is not allowed
-
Title of Term Deposit and Overdraft Account must be the same
-
-
Facility of Further Term Deposits:
-
More Term Deposits can be accepted with a request letter
-
Overdraft limit will increase accordingly
-
Endorsed in the Receipt Form
-
-
Renewal of Term Deposit on Maturity: Adheres to guidelines in Loans & Advances Circulars issued by HO: IRMD
-
Maturity Proceeds/Overdue Deposits:
-
Proceeds credited to OD account upon payment
-
Ensure reduction/cancellation of limit and closure of OD account
-
Return unused cheque leaves at the final closure
-
-
Period of Payment of Interest: Credited on a completed quarter basis in March, June, September, and December each year
FD interest rates India have fallen consistently over the last 12 years.
Eligibility of PNB Anupam Term Deposit Scheme
The PNB Anupam Term Deposit Scheme is open to:
-
Individuals
-
Sole proprietorship concerns
-
Partnership firms
-
Associations
-
Trusts
-
Limited companies
Not Eligible:
-
Minors
-
Illiterate persons
-
Blind persons
People also read: Which Bank is Best for Fixed Deposit
PNB Tax Saver Deposit Scheme W.E.F. 12.04.2024
| Rates For General Citizens (%) | Rates For Sr. Citizen (%) | |
| 5 Years | 6.50 | 7.00 |
| > 5 Years to 1894 days | 6.50 | 7.00 |
| 1895 days | 6.35 | 6.85 |
| 1895 days to 10 years | 6.50 | 7.00 |
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*All savings are provided by the insurer as per the IRDAI approved
insurance plan. Standard T&C Apply
+ Trad plans with a premium above 5 lakhs would be taxed as per
applicable tax slabs post 31st march 2023
#Discount offered by insurance company
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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