PNB FD Calculator
Total value of investment
₹1,38,042
PNB Domestic/NRO Term Deposit FD Rates Below Rs.2 Crore - General Public
| Tenure | Interest rate p.a. (General citizens) |
|---|---|
| 7 days to 14 days | 3% |
| 15 days to 29 days | 3% |
| 30 days to 45 days | 3% |
| 46 to 90 Days | 3.25% |
| 91 days to 179 days | 4.00% |
| 180 days to 270 days | 4.50% |
| 271 days to less than a year | 4.50% |
| 1 year | 5.50% |
| Above 1 year and up to 404 days | 5.50% |
| 405 days | 6.10% |
| 406 days to 2 years | 5.50% |
| Above 2 years and up to 3 years | 5.60% |
| Above 3 years and up to 5 years | 5.75% |
| Above 5 years and up to 10 years | 5.65% |
| 1,111 days | 5.75% |
Note: Interest Rates (% p.a.) w.e.f. 13 September 2022
PNB Domestic/NRO Term Deposit FD Rates Below Rs.2 Crore - Senior Citizens
| Tenure | Interest rate p.a. (General citizens) |
|---|---|
| 7 days to 14 days | 3.50% |
| 15 days to 29 days | 3.50% |
| 30 days to 45 days | 3.50% |
| 46 days to 90 days | 3.75% |
| 91 days to 179 days | 4.50% |
| 180 days to 270 days | 5.00% |
| 271 days to less than a year | 5.00% |
| 1 year | 6.00% |
| Above 1 year and up to 404 days | 6.00% |
| 405 days | 6.60% |
| 406 days to 2 years | 6.00% |
| Above 2 years and up to 3 years | 6.10% |
| Above 3 years and up to 5 years | 6.25% |
| Above 5 years and up to 10 years | 6.15% |
| 1,111 days | 6.25% |
Note: Interest Rates (% p.a.) w.e.f. 13 September 2022
PNB Domestic/NRO Term Deposit FD Rates Below Rs.2 Crore - Super Senior Citizens
| Tenure | Interest rate p.a. (General citizens) |
|---|---|
| 7 days to 14 days | 3.8 |
| 15 days to 29 days | 3.8 |
| 30 days to 45 days | 3.8 |
| 46 days to 90 days | 4.05 |
| 91 days to 179 days | 4.8 |
| 180 days to 270 days | 5.3 |
| 271 days to less than a year | 5.3 |
| 1 year | 6.3 |
| Above 1 year and up to 404 days | 6.3 |
| 405 days | 6.9 |
| 406 days to 2 years | 6.3 |
| Above 2 years and up to 3 years | 6.4 |
| Above 3 years and up to 5 years | 6.55 |
| Above 5 years and up to 10 years | 6.45 |
| 1,111 days | 6.55 |
Note: Interest Rates (% p.a.) w.e.f. 13 September 2022
PNB Domestic/NRO Term Deposit FD Rates Between Rs.2 Crore and Rs.10 Crore
| Tenure | Interest rate p.a. (General citizens) |
|---|---|
| 7 days to 14 days | 4.75% |
| 15 days to 29 days | 4.75% |
| 30 days to 45 days | 4.75% |
| 46 days to 90 days | 4.75% |
| 91 days to 179 days | 5.25% |
| 180 days to 270 days | 5.60% |
| 271 days to less than a year | 5.60% |
| 1 year | 6.25% |
| Above 1 year and up to 404 days | 6.25% |
| 405 days | 6.25% |
| 406 days to 2 years | 6.25% |
| Above 2 years and up to 3 years | 6.25% |
| Above 3 years and up to 5 years | 6.00% |
| Above 5 years and up to 10 years | 5.60% |
Note: The FD interest rates are effective as of 6 August 2022. It can change at the discretion of the bank.
PNB NRE Fixed Deposit Rates: Less than Rs.2 crore - General Citizens
| Tenure | Interest rate p.a. (General citizens) |
|---|---|
| 1 year | 5.75% |
| Above 1 year and up to 404 days | 5.75% |
| 405 days | 6.35% |
| 406 days to 2 years | 5.75% |
| Above 2 years and up to 3 years | 5.85% |
| Above 3 years and up to 5 years | 6.00% |
| Above 5 years and up to 10 years | 5.90% |
| 1,111 days | 6.00% |
Note: The FD interest rates are effective as of 9 August 2022. It can change at the discretion of the bank.
PNB NRE Fixed Deposit Rates: Rs.2 crore to less than Rs.10 crore - General Citizens
| Tenure | Interest rate p.a. (General citizens) |
|---|---|
| 1 year | 6.50% |
| Above 1 year and up to 404 days | 6.50% |
| 405 days | 6.50% |
| 406 days to 2 years | 6.50% |
| Above 2 years and up to 3 years | 6.50% |
| Above 3 years and up to 5 years | 6.25% |
| Above 5 years and up to 10 years | 5.85% |
Note: The FD interest rates are effective as of 6 August 2022. It can change at the discretion of the bank.
PNB FCNR (B) Deposit Rates
| Currency/Tenure | 1 year to less than 2 years | 2 years to less than 3 years | 3 years to less than 4 years | 4 years to less than 5 years | 5 years only |
|---|---|---|---|---|---|
| USD# | 4.25 | 3.93 | 4.18 | 4.28 | 4.38 |
| GBP# | 2.89 | 3.24 | 3.39 | 3.39 | 3.34 |
| EUR# | 0.57 | 0.62 | 0.67 | 0.67 | 0.67 |
| JPY | 0.11 | 0.11 | 0.11 | 0.11 | 0.16 |
| CAD | 3.5 | 4 | 4.25 | 4.25 | 4.25 |
| AUD | 2.6 | 3.1 | 3.35 | 3.35 | 3.35 |
PNB FCNR (B) Fixed Deposit Interest Rates w.e.f. 1 September 2022
PNB on Tax Saver Fixed Deposits
| Depositors | Up to 5 years Interest Rate (p.a.) | Above 5 years and up to 10 years (p.a.) |
|---|---|---|
| General Public | 5.75% | 5.65% |
| Senior Citizens | 6.25% | 6.15% |
| Staff Member | 6.75% | 6.65% |
| Retired Staff Member | 6.75% | 6.65% |
Note: The FD interest rates are effective 19 August 2022. It can change at the discretion of the bank.
PNB on PNB Uttam Term Deposit:
| Tenure bracket | Rs.15 lakh to Rs.2 crore(p.a.) | Rs.2 crore to Rs.10 crore(p.a.) |
| 91 days to 179 days | 4.05% | 5.30% |
| 180 days to 270 days | 4.55% | 5.65% |
| 271 days to less than 1 year | 4.55% | 5.65% |
| 1 year | 5.55% | 6.30% |
| Above 1 year and up to 404 days | 5.55% | 6.30% |
| 405 days | 6.15% | 6.30% |
| 406 days to 2 years | 5.55% | 6.30% |
| Above 2 years and up to 3 years | 5.65% | 6.30% |
| Above 3 years and up to 5 years | 5.80% | 6.05%% |
| Above 5 years and up to 10 years | 5.70% | 5.65% |
| 1,111 days | 5.80% | – |
Note: The FD interest rates are effective 19 August 2022. It can change at the discretion of the bank.
PNB Loan against FD
| Maturity Period Remaining when Granting Advances | Margin % |
|---|---|
| Advance against Term Deposit standing in the name of the borrower | |
| Up to 2 years | 5.00% |
| Above 2 years and up to 3 years | 7.50% |
| Above 3 years and up to 4 years | 10.00% |
| Above 4 years and up to 5 years | 12.00% |
| Above 5 years | 20.00% (Minimum) |
| Advance against third party deposits | 25.00% (Minimum) |
| Members of Staff/ honourably retired/ Voluntarily retired/ widow of Staff: | |
| Advance up to Rs. 3 Lacs | 5.00% |
| Advances Above 3 Lacs | As applicable to Public |
Advance Against Non-Resident Deposits (FCNR/NRO)
| Maturity Period Remaining when Granting Advances | Margin % |
|---|---|
| Advance against FCNR(B) Deposit to the Depositor | |
| Up to 1 year | 10.00% |
| Above 1 year but up to 2 years | 20.00% |
| Above 2 years | 30.00% |
| Advance against third party deposits | |
| Up to 2 years | 20.00% |
| Above 2 years | 30.00% |
| NRO Term Deposits | 25.00% |
What is the PNB FD Interest Calculator?
The PNB FD Interest Calculator is an online financial planning tool that calculates the interest earned and the maturity amount of your PNB Fixed Deposit. The calculator uses the deposit amount, applicable interest rate, and FD tenure to determine the interest earned and the maturity amount of your Fixed Deposit.
Use the PNB FD Interest Calculator to estimate the interest earned and maturity amount for different deposit amounts and tenures to support your financial planning.
How to Use the PNB FD Interest Calculator?
Using the PNB FD Interest Calculator is simple. Just follow the steps below to calculate the interest earned and maturity amount of your FD investment.
Step 1: Enter the deposit amount by using the slider or manually entering the amount.
Step 2: Enter the interest rate applicable to your PNB Fixed Deposit.
Step 3: Select the FD tenure.
Once you have entered the required details, the PNB FD Interest Calculator will calculate the interest earned and maturity amount of your FD.
Benefits of Using PNB FD Interest Calculator
The following are the benefits of using the PNB FD Interest Calculator.
Zero Cost
The PNB FD Calculator is free to use online. You can use the calculator as many times as you need.
Easy Calculations
The calculator uses the applicable interest calculation method to calculate the interest earned and the maturity amount of your PNB FDs.
Informed Planning
The PNB calculator shows the interest earned and maturity amount based on the inputs provided, helping you assess different FD scenarios.
Easy Comparison
You can use the PNB FD Calculator to compare different FD investment scenarios by changing the deposit amount, interest rate, and tenure.
24/7 Accessibility
The PNB FD Calculator is available online at any time, subject to website availability.
Formula Used to Calculate FD Maturity Amount
The PNB FD calculator uses the applicable interest calculation method based on the FD type, interest payout option and tenure to calculate the interest earned and maturity amount of your fixed deposit investment.
For compound interest, the general formula is:
A = P (1 + r/n) ^ n*t
Where,
A = Maturity amount of the FD
P = Principal amount deposited in the FD
r = Annual rate of interest expressed as a decimal
n = Number of times interest is compounded per year
t = Investment tenure in years
The actual maturity amount may vary depending on the FD type, tenure, interest payout option, and applicable calculation methodology.
Frequently Asked Questions
What is the PNB FD Interest Calculator?
The PNB FD Interest Calculator is an online financial planning tool that calculates the interest earned and maturity amount of your PNB FD based on the inputs provided.
What is the formula used to calculate interest returns and the maturity amount on an FD?
For compound interest, the general formula is:
A = P (1 + r/n) ^ n*t
Where,
A = Maturity amount of the FD
P = Principal amount deposited in the FD
r = Annual rate of interest expressed as a decimal
n = Number of times interest is compounded per year
t = Investment tenure in years
How to use the PNB FD Interest Calculator?
To calculate the maturity amount and the interest earned on your PNB FD, you need to input the deposit amount, applicable interest rate and FD tenure.
What are the benefits of using the PNB FD Interest Calculator?
The PNB FD Interest Calculator helps you calculate the maturity amount and interest earned for different deposit amounts, interest rates, and tenures, making it easier to compare FD scenarios as part of your financial planning.