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YOUR MONEY. MORE POSSIBILITIES.

Punjab National Bank FD Interest Rates & Calculator

By RajeshUpdated 25 October 2026

Explore Punjab National Bank fixed deposit rates and calculate your returns. Keep inflation, government schemes and long-term goals in view.

Find your rate ↗Independent comparisons. Official sources.
1 bank. Your focused view.↗ Rates from the official bank website◎ Calculators that put you in controlSource check · 20 Oct 2026
THE INTERESTING PART

Punjab National Bank FD rates.

Explore this bank’s annual rates and open its source for complete slabs and conditions.

1 BANK

Rates are a dated source snapshot, not a live feed. “Up to” is the highest verified eligible rate, not a rate available for every amount or tenure. Some bank pages may be cached or inaccessible; see each source note. No ranking implies a recommendation.

How to compare your returns

  1. Enter your amount and tenure.
  2. Compare the estimated interest and applicable conditions.
  3. Open the official bank source before making a decision.
MORE WAYS TO SAVE

Familiar schemes. A clearer picture.

Small savings: October–December 2026 · EPF: latest verified financial year shown separately

Official quarterly order ↗
PPFLONG-TERM SAVINGS

Public Provident Fund (PPF)

7.10% p.a.
Oct–Dec 2026

15 years from the end of the financial year of opening. Annual compounding; rate reviewed quarterly, not locked for 15 years.

Official scheme details ↗
SSAHER FUTURE

Sukanya Samriddhi Account (SSA)

8.20% p.a.
Oct–Dec 2026

21 years from account opening; contributions for 15 years. Annual compounding; rate reviewed quarterly.

Official scheme details ↗

Post Office savings, at a glance.

Annual nominal rates · Oct–Dec 2026
Post Office scheme rates for October through December 2026
Savings schemeInterest rateTermInterest / payout
Post Office Savings Account ↗4.00%No fixed maturitySimple interest
Post Office Time Deposit — 1 year ↗6.90%1 yearCalculated quarterly and payable annually
Post Office Time Deposit — 2 years ↗7.00%2 yearsCalculated quarterly and payable annually
Post Office Time Deposit — 3 years ↗7.10%3 yearsCalculated quarterly and payable annually
Post Office Time Deposit — 5 years ↗7.50%5 yearsCalculated quarterly and payable annually
Post Office Recurring Deposit ↗6.70%5 yearsQuarterly compounding
Post Office Monthly Income Scheme (MIS) ↗7.40%5 yearsMonthly interest payout; no automatic compounding
Senior Citizens Savings Scheme (SCSS) ↗8.20%5 yearsQuarterly interest payout; not automatic quarterly compounding
National Savings Certificate (VIII Issue) ↗7.70%5 yearsAnnual compounding; payable at maturity
Kisan Vikas Patra (KVP) ↗7.50%115 months (9 years 7 months)Annual compounding; investment doubles at maturity

These schemes have different eligibility, deposit limits, withdrawal rules and tax treatment. PPF and Sukanya rates are reviewed quarterly; the displayed rate is not locked for their full term. MIS and SCSS pay interest out. The generic calculators below do not model each scheme’s contribution rules.

THE OTHER SIDE OF THE EQUATION

Grow your money. Keep its buying power.

September 2026 · Year-on-year inflation · Provisional · Base 2024=100

MoSPI release ↗
Retail inflation · CPI5.54%
All India, combined
Food inflation · CFPI7.74%
All India, combined
Rural inflation · CPI6.08%
Rural consumer prices
Urban inflation · CPI4.88%
Urban consumer prices
What if inflation averages…

Choose a constant annual assumption for both calculators below. Historical inflation is context, not a forecast.

PUT A NUMBER ON TOMORROW

Punjab National Bank FD calculator.

One deposit. A little patience. See the possibilities.

₹ ↗
DEPOSIT CALCULATOR

Illustrative, pre-tax estimate. Actual maturity depends on the bank’s day-count convention, payout option, tax and penalties.

YOUR ESTIMATED MATURITY₹1,21,341

Let time do some of the heavy lifting.

YOUR MONEY+21.34%
Value in today’s rupees at 6% inflation
Annual growth after inflation
Initial deposit
Interest earned
LITTLE BY LITTLE, A LOT

Build a habit. Imagine the future.

See how a monthly SIP could grow over the years.

SIP PLANNER
MONTHLY SIP CALCULATOR

SIP invests in market-linked products. Returns are assumed, not guaranteed; actual returns can be negative. Monthly rate = annual assumption ÷ 12. Nominal projection excludes tax and fees. Today’s-rupee value uses your selected inflation assumption.

YOUR POTENTIAL FUTURE VALUE

A steady habit can go a long way.

Value in today’s rupees at 6% inflation
Total invested
Estimated returns
◎

Clarity comes first.

We read official bank rate disclosures and keep the source beside each bank. Savings slabs, FD eligibility and special tenures matter. Confirm the applicable rate with your bank before you invest.

Explore source index ↗
Abbreviations explained
FD
Fixed Deposit
SIP
Systematic Investment Plan
EPF
Employees’ Provident Fund
PPF
Public Provident Fund
SSA
Sukanya Samriddhi Account
CPI
Consumer Price Index
CFPI
Consumer Food Price Index
MIS
Monthly Income Scheme
SCSS
Senior Citizens Savings Scheme
NSC
National Savings Certificate
KVP
Kisan Vikas Patra
NRI
Non-Resident Indian
NRE
Non-Resident External
NRO
Non-Resident Ordinary
MIBOR
Mumbai Interbank Offered Rate
PDF
Portable Document Format
PIN
Personal Identification Number
OTP
One-Time Password
FY
Financial Year
INR
Indian Rupee
RSS
Really Simple Syndication
NBFC
Non-Banking Financial Company
DICGC
Deposit Insurance and Credit Guarantee Corporation