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Interest Rates - Deposit

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Domestic & NRI Saving Account Interest Rates : (w.e.f. 19th August 2017)

Rate of Interest
Savings Fund Account Balance upto Rs. 50 Lac 3.50% p.a.
Savings Fund Account Balance of above Rs. 50 Lac 4.00% p.a.

For Bulk deposit please contact your nearest branch

For Bulk Deposit Rates Please Click Here

Rate of Interest on Single Domestic Term Deposits (TD) and NRE Term Deposits of upto Rs.10 cr

Domestic TD Less than Rs.1 cr.
w.e.f. 01.08.2018
Domestic TD Rs.1 cr. To Rs 10 cr #
w.e.f. 20.09.2018
NRE TD Less than Rs. 1 cr
w.e.f. 01.08.2018
NRE TD Rs. 1 cr. To Rs. 10 cr.
w.e.f. 01.03.2018
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 5.70 5.70 6.20 6.00 6.00 NA NA NA
2 15 to 29days 5.70 5.70 6.20 6.25 6.25 NA NA NA
3 30 to 45 days 5.70 5.70 6.20 6.25 6.25 NA NA NA
4 46 to 90 days 6.35 6.35 6.85 6.55 6.55 NA NA NA
5 91 to 179 days 6.35 6.35 6.85 6.50 6.50 NA NA NA
6 180 days to 270 Days 6.35 6.40 6.85 6.50 6.55 NA NA NA
7 271 days to less than 1 year 6.35 6.45 6.85 6.50 6.61 NA NA NA
8 1 year 6.75 6.92 7.25 6.75 6.92 6.75 6.75 NA
9 above 1 year & upto 3 years 6.75 6.92 7.25 6.25 6.40 6.75 6.25 NA
10 above 3 year & upto 5 years 6.25 6.82 6.75 6.00 6.52 6.25 6.00

Public (General)- 6.25 (for 5 years) 6.25 ( for above 5years to 10 years)

Sr. Citizen (General)- 6.75 (for 5 years) 6.75 ( for above 5years to 10 years)

Staff member- 7.25 (for 5 years) 7.25 ( for above 5years to 10 years)

Retired Staff (Sr. Citizen)- 7.25(for 5 years) 7.25 ( for above 5years to 10 years)

11 above 5 years & upto 10 years 6.25 7.27 6.75 6.00 6.94 6.25 6.00

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

# The rates for Rs.1 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. 1 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 01.08.2018 The above rates shall also be applicable to NRE term deposits

“PNB UTTAM FIXED DEPOSIT SCHEME” (Non-Callable) @ with effect from 01.08.2018 (For Deposit above 15 lakh)


Domestic TD more than Rs 15 Lakh to less than Rs.1cr w.e.f. 01.08.2018 Domestic TD Rs.1 cr. To Rs 10 cr. w.e.f. 01.03.2018
Period ROI (% p.a.) A.Y.** ROI (% p.a.) A.Y.**
91 to 179 days 6.40 6.40 6.55 6.55
180 days to 270 Days 6.40 6.45 6.55 6.60
271 days to less than 1 year 6.40 6.50 6.55 6.66
1 year 6.80 6.98 6.85 7.03
above 1 year & upto 3 years 6.85 7.03 6.35 6.50
above 3 year & upto 5 years 6.35 6.93 6.10 6.64
above 5 years & upto 10 years 6.35 7.41 6.10 7.07

Gold Monetization Scheme (GMS)

Rate of Interest on Gold Monetization Scheme (GMS)- Short Term Gold Bank Deposit (STGBD) are following

1 year- 0.50% p.a (simple)

2 year- 0.60% p.a (simple)

3 year- 0.75% p.a (simple)

The list of designated branches identified for accepting Deposit of gold under Gold Monetization Scheme (GMS) are as under:

  • New Rajinder Nagar, New Delhi.
  • Gurudwara Road, Karol Bagh, New Delhi.
  • Brady House, Mumbai.
  • PNB House, Fort, Mumbai.
  • Ambawadi, Ahmedabad.
  • Station Road, Surat.
  • Raopura, Vadodara.
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