{"id":10555,"date":"2026-02-17T11:05:13","date_gmt":"2026-02-17T11:05:13","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10555"},"modified":"2026-02-17T11:05:13","modified_gmt":"2026-02-17T11:05:13","slug":"pnb-fd-interest-rates-2026-latest-punjab-national-bank-fixed-deposit-rates-features-eligibility","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/pnb-fd-interest-rates-2026-latest-punjab-national-bank-fixed-deposit-rates-features-eligibility\/","title":{"rendered":"PNB FD Interest Rates 2026 \u2013 Latest Punjab National Bank Fixed Deposit Rates, Features & Eligibility"},"content":{"rendered":"\n

Punjab National Bank (PNB) Fixed Deposits remain a popular choice in 2026 for investors looking for safe and predictable returns. As one of India\u2019s leading public sector banks, PNB offers competitive FD interest rates across short-term and long-term tenures.<\/p>\n\n\n\n

If you\u2019re planning to invest, here\u2019s a complete guide covering PNB FD interest rates 2026, features, eligibility, tax rules, and how to open an FD<\/strong>.<\/p>\n\n\n\n

Quick Summary: PNB FD 2026<\/h2>\n\n\n\n
Feature<\/th>Details<\/th><\/tr><\/thead>
Bank Name<\/td>Punjab National Bank (PNB)<\/td><\/tr>
Tenure<\/td>7 days to 10 years<\/td><\/tr>
Minimum Deposit<\/td>\u20b91,000 (may vary by scheme)<\/td><\/tr>
Maximum Deposit<\/td>No upper limit<\/td><\/tr>
Senior Citizen Benefit<\/td>+0.50% (typically)<\/td><\/tr>
Interest Payout<\/td>Monthly \/ Quarterly \/ On Maturity<\/td><\/tr>
Premature Withdrawal<\/td>Allowed with penalty<\/td><\/tr>
Loan Against FD<\/td>Available<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

PNB FD Interest Rates 2026<\/h1>\n\n\n\n

PNB FD interest rates vary depending on tenure and customer category (general or senior citizen). Rates are subject to revision as per RBI policy and bank notifications.<\/p>\n\n\n\n

PNB FD Rates for General Public (Indicative 2026)<\/h3>\n\n\n\n
Tenure<\/th>Interest Rate (p.a.)<\/th><\/tr><\/thead>
7 \u2013 45 days<\/td>3.50%<\/td><\/tr>
46 \u2013 90 days<\/td>4.50%<\/td><\/tr>
91 \u2013 179 days<\/td>5.00%<\/td><\/tr>
180 \u2013 270 days<\/td>6.00%<\/td><\/tr>
271 days \u2013 1 year<\/td>6.25%<\/td><\/tr>
1 year<\/td>6.75%<\/td><\/tr>
444 days (special tenure, if available)<\/td>7.25%<\/td><\/tr>
2 \u2013 3 years<\/td>7.00%<\/td><\/tr>
3 \u2013 5 years<\/td>6.75%<\/td><\/tr>
5 \u2013 10 years<\/td>6.50%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

PNB FD Rates for Senior Citizens (60+ Years)<\/h3>\n\n\n\n

Senior citizens usually receive an additional 0.50% interest<\/strong> over regular rates.<\/p>\n\n\n\n

Example: If the general rate is 7.00%, seniors may earn 7.50%.<\/p>\n\n\n\n

Special limited-period schemes may offer slightly higher returns. Always check the latest rates in the PNB mobile app or at your nearest branch.<\/p>\n\n\n\n

Key Features of PNB Fixed Deposit<\/h1>\n\n\n
\n
\n
\n

1. Flexible Tenure<\/h3>\n
\n\n

A. Choose from 7 days up to 10 years.<\/p>\n\n<\/div>\n<\/div>\n

\n

2. Guaranteed Returns<\/h3>\n
\n\n

A. Interest rate is fixed at the time of booking.<\/p>\n\n<\/div>\n<\/div>\n

\n

3. Multiple Payout Options<\/h3>\n
\n\n

A.
Cumulative FD (interest paid at maturity)
Non-cumulative FD (monthly\/quarterly income)<\/p>\n\n<\/div>\n<\/div>\n

\n

4. Loan Against FD<\/h3>\n
\n\n

A. Avail overdraft or loan up to 80\u201390% of deposit amount.<\/p>\n\n<\/div>\n<\/div>\n

\n

5. Premature Withdrawal Facility<\/h3>\n
\n\n

A. Allowed before maturity with penalty.<\/p>\n\n<\/div>\n<\/div>\n

\n

6. Auto-Renewal Option<\/h3>\n
\n\n

A. FD can automatically renew on maturity.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

Types of PNB FD Schemes<\/h1>\n\n\n\n

PNB offers various FD options:<\/p>\n\n\n\n

    \n
  • Regular Fixed Deposit<\/li>\n\n\n\n
  • Tax Saver FD (5-year lock-in)<\/li>\n\n\n\n
  • Senior Citizen FD<\/li>\n\n\n\n
  • NRE\/NRO FD (for eligible NRIs)<\/li>\n\n\n\n
  • Special Tenure FD Schemes (limited-time offers)<\/li>\n<\/ul>\n\n\n\n

    PNB Tax Saver FD 2026<\/h1>\n\n\n\n

    If you are planning tax savings:<\/p>\n\n\n\n

      \n
    • Lock-in period: 5 years<\/li>\n\n\n\n
    • Eligible under Section 80C (up to \u20b91.5 lakh)<\/li>\n\n\n\n
    • Premature withdrawal not allowed<\/li>\n\n\n\n
    • Interest is taxable<\/li>\n<\/ul>\n\n\n\n

      This option is suitable for salaried individuals looking to reduce taxable income.<\/p>\n\n\n\n

      Eligibility Criteria<\/h1>\n\n\n\n

      You can open a PNB FD if you are:<\/p>\n\n\n\n

        \n
      • Resident Indian (18+ years)<\/li>\n\n\n\n
      • Senior citizen (60+ years)<\/li>\n\n\n\n
      • Minor (through guardian)<\/li>\n\n\n\n
      • Joint account holders<\/li>\n\n\n\n
      • HUF, firms, or companies (as per bank norms)<\/li>\n<\/ul>\n\n\n\n

        NRIs can open NRE\/NRO deposits subject to eligibility.<\/p>\n\n\n\n

        How to Open PNB FD (Step-by-Step)<\/h1>\n\n\n\n

        Option 1: Online via PNB Net Banking<\/h2>\n\n\n\n
          \n
        1. Login to PNB net banking or mobile app<\/li>\n\n\n\n
        2. Go to \u201cAccounts\u201d \u2192 \u201cOpen Fixed Deposit\u201d<\/li>\n\n\n\n
        3. Enter deposit amount<\/li>\n\n\n\n
        4. Select tenure<\/li>\n\n\n\n
        5. Choose payout option<\/li>\n\n\n\n
        6. Confirm and submit<\/li>\n<\/ol>\n\n\n\n

          FD receipt is generated instantly.<\/p>\n\n\n\n

          Option 2: Visit PNB Branch<\/h2>\n\n\n\n
            \n
          • Fill FD application form<\/li>\n\n\n\n
          • Submit KYC documents (Aadhaar, PAN)<\/li>\n\n\n\n
          • Deposit cheque\/cash<\/li>\n\n\n\n
          • Collect FD certificate<\/li>\n<\/ul>\n\n\n\n

            Premature Withdrawal Rules<\/h1>\n\n\n\n
              \n
            • Allowed before maturity<\/li>\n\n\n\n
            • Penalty typically 0.5%\u20131% lower interest<\/li>\n\n\n\n
            • Tax Saver FD cannot be closed before 5 years<\/li>\n<\/ul>\n\n\n\n

              Penalty rules may vary by deposit type, so confirm before closing.<\/p>\n\n\n\n

              Taxation on PNB FD Interest<\/h1>\n\n\n\n

              Important tax points for 2026:<\/p>\n\n\n\n

                \n
              • Interest earned is fully taxable<\/li>\n\n\n\n
              • TDS applies if interest crosses prescribed limit<\/li>\n\n\n\n
              • Senior citizens have higher TDS threshold<\/li>\n\n\n\n
              • Submit Form 15G\/15H (if eligible) to avoid TDS<\/li>\n<\/ul>\n\n\n\n

                Always report FD interest in your Income Tax Return.<\/p>\n\n\n\n

                \n\n\n\n

                Who Should Invest in PNB FD?<\/h1>\n\n\n\n

                PNB FD is suitable for:<\/p>\n\n\n\n

                \u2714 Risk-averse investors
                \u2714 Senior citizens seeking regular income
                \u2714 Individuals looking for tax-saving FD
                \u2714 Short-term and medium-term savers<\/p>\n\n\n\n

                It may not suit investors looking for market-linked returns.<\/p>\n\n\n\n

                FAQs \u2013 PNB FD Interest Rates 2026<\/h1>\n\n\n
                \n
                \n
                \n

                1. What is the highest PNB FD interest rate in 2026?<\/h3>\n
                \n\n

                A. Mid-term special tenures (like 444 days, if available) often offer higher rates. Check the latest update in PNB app.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                2. Is PNB FD safe?<\/h3>\n
                \n\n

                A. Yes. PNB is a public sector bank regulated by RBI.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                3. Can I break PNB FD before maturity?<\/h3>\n
                \n\n

                A. Yes, except Tax Saver FD. Penalty may apply.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                4. What is the minimum amount to open PNB FD?<\/h3>\n
                \n\n

                A. Typically \u20b91,000.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                5. Does PNB offer monthly interest payout?<\/h3>\n
                \n\n

                A. Yes, under non-cumulative FD option.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                Troubleshooting & Common Issues<\/h1>\n\n\n\n

                FD Not Visible in Account?<\/h3>\n\n\n\n

                Refresh net banking or contact PNB customer care.<\/p>\n\n\n\n

                TDS Deducted?<\/h3>\n\n\n\n

                Check PAN update and Form 15G\/15H submission status.<\/p>\n\n\n\n

                Auto-Renewal Not Working?<\/h3>\n\n\n\n

                Visit branch to update maturity instructions.<\/p>\n\n\n\n

                Security Tips Before Investing<\/h1>\n\n\n\n
                  \n
                • Verify interest rate and tenure before confirmation<\/li>\n\n\n\n
                • Update nominee details<\/li>\n\n\n\n
                • Avoid sharing OTP or banking credentials<\/li>\n\n\n\n
                • Keep FD receipt saved digitally<\/li>\n\n\n\n
                • Use official PNB app or branch only<\/li>\n<\/ul>\n\n\n\n

                  Conclusion<\/h1>\n\n\n\n

                  PNB FD interest rates in 2026 remain competitive across short-term and medium-term tenures. With flexible payout options, senior citizen benefits, and government-backed credibility as a public sector bank, PNB Fixed Deposits continue to be a reliable investment option.<\/p>\n\n\n\n

                  Before investing, compare tenure-wise returns and check the latest interest rates in the PNB mobile app or branch for accurate details.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10555","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10555","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10555"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}