PNB Bank FD Calculator
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% |
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Disclaimer:
This calculator is meant to be used for indicative purposes only. It is designed to assist you in determining the appropriate amount of prospective investments. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. Upstox does not take the responsibility/liability nor does it undertake the authenticity of the figures calculated therein. Upstox makes no warranty about the accuracy of the calculators/reckoners. The examples do not claim to represent the performance of any security or investments. In view of the individual nature of tax consequences, each investor is advised to consult his/her own professional tax advisor before making any investment decisions on the basis of the results provided through the use of this calculator.