| 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 Fixed Deposit Through Internet Banking (E-FD)
PNB Fixed Deposit through Internet Banking (E-FD) allows existing PNB customers with internet banking access to conveniently open fixed deposits online. This eliminates the need to visit a branch.
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 Fixed Deposit Through Internet Banking (E-FD)
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
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 Fixed Deposit Through Internet Banking(E-FD)
The PNB Fixed Deposit through Internet Banking (E-FD) offers several convenient features for customers who prefer managing their finances online:
-
Eligibility: This facility is available exclusively for Internet Banking users.
-
KYC Compliance: The customer's account must be KYC compliant to utilize this service.
-
Existing Customers: Only existing customers with an operative Savings or Current Account can avail this facility.
-
Senior Citizen Benefits: Senior citizens will continue to receive preferential interest rates applicable to the term deposit.
-
Terms & Conditions: Acceptance of the terms and conditions is mandatory before issuing an E-FD.
-
PAN Requirement: E-FDs will be issued only to accounts holding a valid PAN document.
-
Auto Renewal: Auto renewal is available only for the maturity value of the fixed deposit.
-
Maturity Proceeds: If no auto renewal instructions are given, the proceeds on maturity will be credited to the account from which the FD was funded or as per the depositor's mandate.
-
Deposit Tenor: The tenor of the deposit will be as per the respective scheme displayed on the bank’s website.
-
Interest Rates: The rate of interest will be the card rate applicable to the tenor of the deposit as displayed on the website, subject to change.
-
Overdue Interest: Interest will be paid for the overdue period as applicable.
-
Premature Withdrawal: Customers can withdraw their deposits prematurely through net banking.
-
Nomination: The nomination for the E-FD will remain the same as in the funded account, but customers can update the nominee details through Internet Banking.
-
TDS: Tax Deducted at Source (TDS) is applicable as per the rules, and the bank will issue a TDS certificate for the tax deducted.
PNB Uttam (Non-Callable) Fixed Deposit Scheme Rates W.E.F. 10.06.2024
| Period | Rates For General Citizen W.E.F. 10.06.2024 (%) |
| 7 days to 14 days | NA |
| 15 days to 29 days | NA |
| 30 days to 45 days | NA |
| 46 days to 60 days | NA |
| 61 days to 90 days | NA |
| 91 to 179 days | 6.55 |
| 180 days to 270 Days | 6.70 |
| 271 days to 299 Days | 6.80 |
| 300 Days | 6.80 |
| 300 Days to < 1 Year | 6.80 |
| 1 Year | 7.30 |
| > 1 Year to 399 Days | 6.85 |
| 400 days | 6.85 |
| 401 days to 2 years | 6.85 |
| > 2 year to 3 years | 6.55 |
| > 3 year to 1203 days | 6.30 |
| 1204 days** | 6.20 |
| 1205 days to 5 years | 6.30 |
| > 5 years to 1894 days | 5.65 |
| 1895 days** | 5.50 |
| 1896 days to 10 years | 5.65 |
FD interest rates India have fallen consistently over the last 12 years.
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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