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Interest Rates - Deposit

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Domestic & NRI Saving Account Interest Rates : (w.e.f. 1st October 2019)

Rate of Interest
Savings Fund Account Balance upto Rs. 5 Lac 3.25% p.a.
Savings Fund Account Balance from more than Rs. 5 Lac to Rs. 50 Lac 3.50% p.a.
Savings Fund Account Balance of above Rs. 50 Lac 3.80% p.a.

For Bulk deposit please contact your nearest branch

For Bulk Deposit Rates Please Click Here

Rate of Interest on Single Domestic / NRO / NRE Term Deposits (TD) up to Rs.10 cr. (Callable)

Domestic/NRO $ TD Less than Rs.2 cr.
w.e.f. 01.12.2019
Domestic/NRO $ TD Rs. 2 cr to Rs. 10 cr.#
w.e.f. 01.12.2019
NRE TD $ Less than Rs.2 cr.
w.e.f. 01.12.2019
NRE TD $ Rs.2 cr. to Rs. 10 cr.
w.e.f. 01.12.2019
PNB Tax Saver FD
Sl. No Period ROI (% p.a.) A.Y.* For Senior Citizen ROI (% p.a.) ROI (% p.a.) A.Y.* ROI (% p.a.) ROI (% p.a.) ROI (% p.a.)
1 7 to 14 days 4.50 4.50 5.00 4.30 4.30 NA NA NA
2 15 to 29days 4.50 4.50 5.00 4.30 4.30 NA NA NA
3 30 to 45 days 4.50 4.50 5.00 4.30 4.30 NA NA NA
4 46 to 90 days 5.00 5.00 5.50 4.90 4.90 NA NA NA
5 91 to 179 days 5.00 5.00 5.50 4.90 4.90 NA NA NA
6 180 days to 270 Days 6.00 6.04 6.50 5.00 5.03 NA NA NA
7 271 days to less than 1 year 6.00 6.09 6.50 5.00 5.06 NA NA NA
8 333 days 6.10 6.22 6.60 5.10 5.19 NA NA NA
9 1 year 6.30 6.45 6.80 5.50 5.61 6.30 5.50 NA
10 444 days 6.30 6.49 6.80 5.50 5.65 6.30 5.50 NA
11 555 days 6.30 6.56 6.80 5.50 5.70 6.30 5.50 NA
12 above 1 year & upto 2 years 6.30 6.45 6.80 5.50 5.61 6.30 5.50 NA
13 above 2 year & upto 3 years 6.25 6.60 6.75 5.50 5.77 6.25 5.50

Public (General)- 6.30 (for 5 years) 6.30 ( for above 5years to 10 years)

Sr. Citizen (General)- 6.80 (for 5 years) 6.80 ( for above 5years to 10 years)

Staff member- 7.30 (for 5 years) 7.30 ( for above 5years to 10 years)

Retired Staff (Sr. Citizen)- 7.30(for 5 years) 7.30 ( for above 5years to 10 years)

14 above 3 year & upto 5 years 6.25 6.82 6.75 5.50 5.94 6.25 5.50
15 above 5 years & upto 10 years 6.30 7.34 6.80 5.50 6.28 6.30 5.50

* Annualized Yield in % terms at the beginning of the slab.

The revised interest rates will be applicable to fresh Deposits and renewal of existing deposits with effect from 01.12.2019.

# The rates for Rs.2 Crore to Rs.10 Crore are not to be loaded with additional rate of interest for Sr. Citizens, staff accounts etc.

The Senior citizens shall get an additional rate of interest of 50 bps over applicable card rates for all maturities on domestic deposits of less than Rs. 2 Crore. In case of staff members as well as retired staff members who are also Senior Citizens, maximum rate of interest to be allowed over applicable card rate shall be 150 bps except in case of PNB Tax Saver Fixed depost scheme, where the maximum rate of interest to be allowed over applicable card rate is 100 bps.

These revised interest rates will be applicable to the fresh deposits and renewal of existing Term deposits with effect from 01.12.2019 The above rates shall also be applicable to NRE term deposits

“PNB UTTAM FIXED DEPOSIT SCHEME” (Non-Callable) @ with effect from 01.12.2019 (For Deposit above 15 lakh)


Domestic TD more than Rs 15 Lakh to less than Rs.2cr w.e.f. 01.12.2019 Domestic TD Rs.2 cr. To Rs 10 cr. w.e.f. 01.12.2019
Period ROI (% p.a.) A.Y.* ROI (% p.a.) A.Y.*
91 to 179 days 5.05 5.05 4.95 4.95
180 days to 270 Days 6.05 6.10 5.05 5.08
271 days to less than 1 year 6.05 6.14 5.05 5.11
333 days 6.15 6.28 5.15 5.24
1 year 6.40 6.56 5.60 5.72
444 days 6.40 6.60 5.60 5.75
555 Days 6.40 6.67 5.60 5.80
above 1 year & upto 2 years 6.40 6.56 5.60 5.72
above 2 year & upto 3 years 6.35 6.71 5.60 5.88
above 3 year & upto 5 years 6.35 6.93 5.60 6.05
above 5 years & upto 10 years 6.40 7.47 5.60 6.41

Gold Monetization Scheme (GMS)

Period Rate of Interest PA
Short Term Bank Deposit (STBD)
1 year 0.50%
Above 1 year up to 2 years 0.60%
Above 2 years up to 3 years 0.75%
Medium and Long Term Government Deposit (MLTGD)
Medium Term Government Deposit 2.25%
Long Term Government Deposit 2.50%

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