Punjab National Bank
The Name You Can Bank Upon
Headquarters: New Delhi, Delhi
Official Bank WebsiteOfficial Published Interest Rates (2026)
Direct benchmark & card rates verified from PNB's official circulars
| Credit / Deposit Product | Starting Rate | Effective Range | Lending Benchmark | Calculator |
|---|---|---|---|---|
| PNB Housing Loan Scheme | 7.40% p.a. | 7.40% – 9.15% | PNB RLLR | Calculate EMI→ |
| PNB Saarthi Car Loan | 8.75% p.a. | 8.75% – 10.50% | PNB RLLR | Calculate EMI→ |
| PNB Sahyog Personal Loan | 11.25% p.a. | 11.25% – 15.50% | Card Rate | Calculate EMI→ |
| PNB Swarnim Gold Loan | 8.85% p.a. | 8.85% – 9.90% | Card Rate | Calculate EMI→ |
| PNB Domestic Term Deposit (3 Years) | 6.80% p.a. | 6.80% – 7.30% | Card Rate | Calculate EMI→ |
| PNB Recurring Deposit (3 Years) | 6.80% p.a. | 6.80% – 7.30% | Card Rate | Calculate EMI→ |
PNB Official Rate Calculators
Simulate monthly EMIs and deposit maturity values pre-filled with verified PNB rates
PNB Home Loan EMI Calculator
Calculate your monthly EMI and interest for a Punjab National Bank housing loan with verified repo-linked rates starting from 7.40% p.a.
PNB Car Loan EMI Calculator
Calculate monthly EMIs for financing a new car with PNB Saarthi vehicle loan scheme.
PNB Personal Loan EMI Calculator
Estimate monthly EMIs on PNB personal loans for public sector and corporate employees.
PNB Gold Loan Calculator
Calculate estimated loan EMI and interest against hallmarked gold jewellery with Punjab National Bank.
PNB FD Calculator
Calculate your fixed deposit interest returns with Punjab National Bank using official published interest rates.
PNB RD Calculator
Calculate your monthly deposit returns with Punjab National Bank Recurring Deposits.
Rate Sourcing & Regulatory Disclosures
Direct official circular citations and borrower qualification rules for Punjab National Bank
7.40% p.a.
7.40% – 9.15% p.a.
floating RatePNB RLLR
Applicable Conditions & Eligibility Factors:
- Reducing monthly balance tied to PNB RLLR
- Prime spread for CIBIL 750+
Source: PNB Housing Loan Scheme Rates
Rates subject to borrower risk-grade & RBI regulatory changes.8.75% p.a.
8.75% – 10.50% p.a.
floating RatePNB RLLR
Applicable Conditions & Eligibility Factors:
- Up to 85% on-road funding
- Pegged to repo benchmark
Source: PNB Saarthi Auto Loan Scheme
Rates subject to borrower risk-grade & RBI regulatory changes.11.25% p.a.
11.25% – 15.50% p.a.
floating RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Available for salaried employees with salary relationship
- Reducing balance
Source: PNB Sahyog Personal Loan Rates
Rates subject to borrower risk-grade & RBI regulatory changes.8.85% p.a.
8.85% – 9.90% p.a.
floating RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Low processing fee
- 75% LTV statutory benchmark
Source: PNB Swarnim Gold Loan Scheme
Rates subject to borrower risk-grade & RBI regulatory changes.6.80% p.a.
6.80% – 7.30% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.30% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding applied to retail deposits
- Senior citizen 50 bps extra
Source: PNB FD Rates Portal
Rates subject to borrower risk-grade & RBI regulatory changes.6.80% p.a.
6.80% – 7.30% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.30% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding on monthly instalments
- Auto-debit from PNB account
Source: PNB RD Scheme Guidelines
Rates subject to borrower risk-grade & RBI regulatory changes.About Punjab National Bank
Punjab National Bank (PNB) is India's second-largest public sector bank, boasting a legacy of over 130 years and a network of 10,000+ branches.
PNB offers budget-friendly home loans (PNB Max-Saver) benchmarked to RLLR (Repo Linked Lending Rate) and attractive term deposits for senior citizens.
Frequently Asked Questions: PNB
- Where can I verify PNB interest rates officially?
- Visit pnbindia.in under 'Interest Rates' for official regulatory notifications.