FD Interest Rate: If you’re considering investing Rs 5 lakh in a fixed deposit, Punjab National Bank (PNB) offers a competitive 390-day FD option. The interest rates differ for regular customers, senior citizens, and super senior citizens.

As of June 1, 2026, for domestic term deposits under Rs 3 crore:

– General customers can earn 6.30% annual interest.
– Senior citizens are eligible for 6.80% interest.
– Super senior citizens can benefit from 7.10% interest.

Let’s see the potential earnings for each type of customer with a Rs 5 lakh FD:

For regular customers at 6.30%, the estimated interest after 390 days would be around Rs 34,500, totaling approximately Rs 5.34 lakh at maturity. Senior citizens could earn about Rs 37,300 at 6.80%, resulting in a total of around Rs 5.37 lakh. Super senior citizens may receive roughly Rs 39,000 at 7.10%, leading to a total of approximately Rs 5.39 lakh at maturity.

Keep in mind:

– These figures are approximate and actual amounts may differ based on the bank’s interest calculation and compounding methods.
– Tax deductions could slightly reduce the final income.
– Besides the interest rate, consider the terms, penalties for early withdrawal, and verify current rates and maturity amounts on PNB’s official website or at your bank branch before investing.

 

Punjab National Bank (PNB) offers different interest rates on fixed deposits depending on the deposit tenure and the customer category. According to the rates effective from May 1, 2025, general customers can earn interest ranging from 3.50% to 7.10%, depending on the duration of the FD. Senior citizens and super senior citizens are eligible for higher interest rates on several tenures.

For short-term fixed deposits ranging from 7 to 45 days, the interest rate is 3.50% for general customers, 4% for senior citizens and 4.30% for super senior citizens. For deposits lasting 46 to 90 days, the rates increase to 4.50%, 5% and 5.30%, respectively. Deposits with a tenure of 91 to 179 days offer 5.50% interest to general customers, 6% to senior citizens and 6.30% to super senior citizens.

For deposits ranging from 180 to 270 days, general customers can earn 6% interest, while senior citizens receive 6.50% and super senior citizens receive 6.80%. For tenures between 271 and 302 days, the rates are 6.25%, 6.75% and 7.05%, respectively. The special 303-day FD offers 6.15% to general customers, 6.65% to senior citizens and 6.95% to super senior citizens.

For a one-year FD, PNB offers 6.70% interest to general customers, 7.20% to senior citizens and 7.50% to super senior citizens. Deposits lasting from one year to 389 days offer rates of 6.80%, 7.30% and 7.60%, respectively.

The bank’s special 390-day fixed deposit scheme offers an interest rate of 7.10% for general customers, 7.60% for senior citizens and 7.90% for super senior citizens. This makes the 390-day tenure a notable option for customers considering a medium-term fixed deposit. For deposits ranging from 391 to 505 days, the rates are 6.80%, 7.30% and 7.60%, respectively, while the special 506-day scheme offers 6.70%, 7.20% and 7.50%.

For deposits ranging from 507 days to two years, the interest rates stand at 6.80% for general customers, 7.30% for senior citizens and 7.60% for super senior citizens. Deposits with a tenure of two to three years offer 6.75%, 7.25% and 7.55%, respectively. For longer-term deposits, the rates vary according to the specific tenure, with special schemes available for 1,204 days and 1,895 days.