PNB Fixed Deposit (FD) Calculator
Calculate your fixed deposit interest returns with Punjab National Bank using official published interest rates.
Official Rate Formula & Benchmark:
Punjab National Bank domestic term deposits compound interest quarterly. For a 3-year deposit, the official rate is 6.80% p.a. (7.30% for seniors).
Current official starting rate: 6.80% p.a. (Range: 6.80% – 7.30% p.a.).
PNB FD Calculator
Interactive calculation engine using official PNB rates
Senior Citizen Benefit
PNB offers 7.30% p.a. (+0.50% extra) for age 60+
Deposit Growth Schedule
| Year | Cumulative Interest | Closing Value |
|---|---|---|
| Year 1 | ₹34,877 | ₹5,34,877 |
| Year 2 | ₹72,187 | ₹5,72,187 |
| Year 3 | ₹1,12,099 | ₹6,12,099 |
Rate Verification & Official Notice
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.How It Works
- 1Quarterly compounding applied to domestic retail term deposits.
- 2Senior citizens receive an additional 0.50% interest rate.
Key Factors Influencing Your Rate
- •Tenure bucket
- •Senior citizen privilege
Worked Numerical Example: PNB FD Calculator
A fixed deposit of ₹5,00,000 placed for 3 years at 6.80% p.a. with quarterly compounding matures at ₹6,12,099, earning ₹1,12,099 in cumulative interest.
Frequently Asked Questions: PNB FD Calculator
- What is PNB 3-year FD rate?
- 6.80% p.a. for regular depositors and 7.30% for seniors.
- Can I open online?
- Yes, via PNB ONE app.