Estimate Punjab National Bank (PNB) fixed deposit maturity value and interest with Digifinn’s free FD calculator. Enter amount, tenure, and rate to plan your returns.
Interest Payout
TOTAL MATURITY VALUE
₹ 30,504.75
Invested amount
₹ 25,000.00
Est. Returns
₹ 5,504.75
A PNB fixed deposit is a product offered by Punjab National Bank where you place a sum for a chosen tenure at a stated interest rate. At maturity, the bank is scheduled to return the principal along with accrued interest as per the deposit terms — subject to the bank’s rules, TDS, and applicable risks.
Digifinn’s PNB FD Calculator is simple to use — you do not need technical experience. Enter the relevant details and review an estimated maturity and interest figure in seconds. Results are illustrative planning estimates only. Always confirm current PNB FD rates and product terms on the bank’s official channels before investing.
Interest is the income earned on the principal placed in a bank FD. Banks typically use a compounding frequency — interest may be compounded monthly, quarterly, half-yearly, or annually depending on the product. Digifinn’s PNB FD Calculator helps you estimate interest and maturity before you open a deposit, using Digifinn’s own estimation method (quarterly compounding for on-maturity payout; simple interest for monthly/quarterly payout).
On cumulative (on-maturity) FDs, interest is typically compounded, so the total interest paid at maturity is often higher than the interest paid out monthly or quarterly on a non-cumulative FD of the same amount and stated annual rate — because payout products usually do not reinvest the interest. Digifinn’s calculator lets you switch payout modes to compare estimates. Actual PNB payout rules and compounding method may differ — confirm with the bank.
The rates below are published for educational illustration based on publicly shared PNB tenure slabs. They may be outdated and are not Digifinn’s rates. Verify the latest PNB FD rates on the bank’s official channels before investing.
| Tenure | FD rates (p.a.) | Senior citizen FD rates (p.a.) | Super senior citizen FD rates (p.a.) |
|---|---|---|---|
| 7 days – 14 days | 3.00% | 3.50% | 3.80% |
| 15 days to 29 days | 3.00% | 3.50% | 3.80% |
| 30 days to 45 days | 3.00% | 3.50% | 3.80% |
| 46 days to 60 days | 4.50% | 5.00% | 5.30% |
| 91 days to 179 days | 4.90% | 5.40% | 5.70% |
| 180 days to 270 days | 5.60% | 6.10% | 6.40% |
| 271 days to 302 days | 5.60% | 6.10% | 6.40% |
| 303 days | 5.50% | 6.00% | 6.30% |
| 304 days to < 1 year | 5.60% | 6.10% | 6.40% |
| 1 year | 6.25% | 6.75% | 7.05% |
| Above 1 year to 389 days | 6.40% | 6.90% | 7.20% |
| 390 days | 6.60% | 7.10% | 7.40% |
| 391 days to 505 days | 6.40% | 6.90% | 7.20% |
| 506 days | 6.30% | 6.80% | 7.10% |
| 507 days to 2 years | 6.40% | 6.90% | 7.20% |
| Above 2 years to 3 years | 6.40% | 6.90% | 7.20% |
| Above 3 years to 1203 days | 6.25% | 6.75% | 7.05% |
| 1204 days | 6.15% | 6.65% | 6.95% |
| 1205 days to 5 years | 6.25% | 6.75% | 7.05% |
| Above 5 years to 1894 days | 6.00% | 6.80% | 6.80% |
| 1895 days | 5.85% | 6.65% | 6.65% |
| 1896 days to 10 years | 6.00% | 6.80% | 6.80% |
Scheme features and rates change. Confirm current terms on Punjab National Bank’s official channels before investing.
Illustrative deposit amount slabs sometimes cited for this scheme:
Eligibility commonly includes individuals (singly or jointly), eligible minors (with age proof or under guardianship), proprietorships, partnerships, companies, HUFs, associations, clubs, societies, trusts, certain government bodies, and NRI individuals for NRO accounts where applicable. Illiterate and visually impaired persons may also open accounts subject to bank processes. Always verify eligibility with PNB.
Illustrative only. Minimum amounts, rates, and compounding rules are set by PNB and change over time.
Eligibility is similar to other PNB term deposits (individuals, minors with conditions, firms, companies, HUFs, associations, trusts, certain government bodies, etc.). Confirm current features with Punjab National Bank before investing.
A bank FD is a deposit with a stated interest rate and tenure under the bank’s terms. Bonds are tradable debt securities whose returns can vary with market prices, credit quality, and coupon structure. Neither should be treated as guaranteed.
Bonds can sometimes offer higher yields than bank FDs, but they also carry market and credit risks. PNB (and other bank) FDs typically provide more predictable interest estimates if held to maturity, subject to the bank’s terms. Compare risk, liquidity, and after-tax outcomes before deciding.
Many listed bonds can be sold in the secondary market before maturity, subject to liquidity and price risk — values can rise or fall with market movements. Bank FDs are typically held to maturity; premature withdrawal, if allowed, usually has bank-specific penalties or rate adjustments.
Bank FDs typically have a rate fixed at booking for the chosen tenure (unless the product is floating-rate). Some bonds have fixed coupons; others may be floating or market-linked. Always check the specific product terms.
Some investors prefer bank FDs when they want relatively predictable interest estimates for a set tenure. Bonds may offer higher yields but carry market and credit risks. Choose based on your risk appetite, liquidity needs, and tax situation — and review offer documents carefully.
