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PNB Bank FD Calculator

Total Investment

₹10,000
₹1,00,00,000

Number of years

Yrs
1 yr
25 yrs

Interest Rate

%
1 %
15%

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%

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.