Punjab National Bank (PNB) offers competitive Fixed Deposit (FD) interest rates and a wide Range of other benefits such as flexible tenure options, nomination Facility, loan/overdraft option, etc.
Fixed Deposit of FD refers to an investment avenue which is generally offered by banks and Post Office. In case of FD, people need to deposit a considerable amount as a one-time payment for a fixed time frame. Here, people get back their investment amount at the end of the tenure. However, people cannot break the FD during the tenure and if they try to break they need to pay some charges to the bank. The FD Income earns interest on the investment. This interest income earned is taxable in the hands of investors.
PNB Housing FD Interest Rates for deposits Deposit below Rs. 2 Crore are as follows:
Tenure | Regular Rates | Senior Citizen Rates |
---|---|---|
7 to 14 days | 3.50 | 4.00 |
15 to 29days | 3.50 | 4.00 |
30 to 45 days | 3.50 | 4.00 |
46 to 90 days | 4.50 | 5.00 |
91 to 179 days | 4.50 | 5.00 |
180 days to 270 Days | 6.00 | 6.50 |
271 days to less than 1 year | 6.25 | 6.75 |
1 year | 6.75 | 7.25 |
Above 1 year to 443 days | 6.80 | 7.30 |
444 days | 7.25 | 7.75 |
445 days to 2 years | 6.80 | 7.30 |
Above 2 year & upto 3 years | 7.00 | 7.50 |
Above 3 year & upto 5 years | 6.50 | 7.00 |
Above 5 years & upto 10 years | 6.50 | 7.30 |
Please note that interest rates are subject to change at the discretion of the bank without any prior notice.
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Some of the features of PNB Fixed Deposit account are:
The minimum deposit for the PNB FD account is INR 10,000, and the maximum is INR 99,99,000
The minimum tenure for the PNB FD account is about seven days and the maximum tenure one can invest for is up to 10 years
Punjab National Bank welcomes the differently abled persons to open fixed deposit accounts and grow their money
PNB offers an auto-renewal option for your term deposits once it matures
Investors who are thinking of parking their money for the short term, you can also consider liquid Mutual Funds. Liquid Funds are an ideal alternative to FDs as they invest in low-risk debt and money market securities.
Here are some features of liquid funds you should know:
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Indiabulls Liquid Fund Growth ₹2,548.77
↑ 0.39 ₹393 0.5 1.5 3.3 7 6.9 5.5 7.4 PGIM India Insta Cash Fund Growth ₹343.079
↑ 0.06 ₹513 0.5 1.5 3.3 7 7 5.6 7.3 JM Liquid Fund Growth ₹71.898
↑ 0.01 ₹3,225 0.5 1.5 3.2 6.8 6.9 5.6 7.2 Axis Liquid Fund Growth ₹2,934.48
↑ 0.45 ₹36,757 0.5 1.5 3.3 7 7 5.6 7.4 Invesco India Liquid Fund Growth ₹3,622.32
↑ 0.57 ₹14,240 0.5 1.5 3.3 7 7 5.6 7.4 Tata Liquid Fund Growth ₹4,150.74
↑ 0.64 ₹22,951 0.5 1.5 3.3 6.9 7 5.6 7.3 Aditya Birla Sun Life Liquid Fund Growth ₹424.644
↑ 0.06 ₹51,913 0.5 1.5 3.3 6.9 7 5.6 7.3 Nippon India Liquid Fund Growth ₹6,431.49
↑ 0.97 ₹35,388 0.5 1.5 3.3 6.9 7 5.6 7.3 ICICI Prudential Liquid Fund Growth ₹390.117
↑ 0.06 ₹51,593 0.5 1.5 3.3 6.9 7 5.6 7.4 Baroda Pioneer Liquid Fund Growth ₹3,029.53
↑ 0.46 ₹11,836 0.5 1.4 3.2 6.8 7 5.6 7.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Indiabulls Liquid Fund PGIM India Insta Cash Fund JM Liquid Fund Axis Liquid Fund Invesco India Liquid Fund Tata Liquid Fund Aditya Birla Sun Life Liquid Fund Nippon India Liquid Fund ICICI Prudential Liquid Fund Baroda Pioneer Liquid Fund Point 1 Bottom quartile AUM (₹393 Cr). Bottom quartile AUM (₹513 Cr). Bottom quartile AUM (₹3,225 Cr). Upper mid AUM (₹36,757 Cr). Lower mid AUM (₹14,240 Cr). Upper mid AUM (₹22,951 Cr). Highest AUM (₹51,913 Cr). Upper mid AUM (₹35,388 Cr). Top quartile AUM (₹51,593 Cr). Lower mid AUM (₹11,836 Cr). Point 2 Established history (13+ yrs). Established history (17+ yrs). Oldest track record among peers (27 yrs). Established history (15+ yrs). Established history (18+ yrs). Established history (21+ yrs). Established history (21+ yrs). Established history (21+ yrs). Established history (19+ yrs). Established history (16+ yrs). Point 3 Top rated. Rating: 5★ (top quartile). Rating: 5★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.98% (top quartile). 1Y return: 6.96% (upper mid). 1Y return: 6.84% (bottom quartile). 1Y return: 6.99% (top quartile). 1Y return: 6.95% (upper mid). 1Y return: 6.95% (upper mid). 1Y return: 6.93% (lower mid). 1Y return: 6.91% (lower mid). 1Y return: 6.91% (bottom quartile). 1Y return: 6.85% (bottom quartile). Point 6 1M return: 0.47% (top quartile). 1M return: 0.47% (upper mid). 1M return: 0.46% (bottom quartile). 1M return: 0.47% (top quartile). 1M return: 0.47% (upper mid). 1M return: 0.46% (lower mid). 1M return: 0.47% (upper mid). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (lower mid). 1M return: 0.46% (bottom quartile). Point 7 Sharpe: 3.05 (bottom quartile). Sharpe: 3.30 (upper mid). Sharpe: 2.80 (bottom quartile). Sharpe: 3.64 (top quartile). Sharpe: 3.63 (top quartile). Sharpe: 3.33 (upper mid). Sharpe: 3.23 (upper mid). Sharpe: 3.10 (lower mid). Sharpe: 3.19 (lower mid). Sharpe: 2.93 (bottom quartile). Point 8 Information ratio: -1.37 (bottom quartile). Information ratio: -0.82 (lower mid). Information ratio: -2.27 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: -0.86 (lower mid). Information ratio: -1.27 (bottom quartile). Point 9 Yield to maturity (debt): 5.77% (bottom quartile). Yield to maturity (debt): 5.81% (lower mid). Yield to maturity (debt): 5.77% (bottom quartile). Yield to maturity (debt): 5.85% (upper mid). Yield to maturity (debt): 5.78% (bottom quartile). Yield to maturity (debt): 5.88% (upper mid). Yield to maturity (debt): 5.89% (top quartile). Yield to maturity (debt): 5.89% (top quartile). Yield to maturity (debt): 5.86% (upper mid). Yield to maturity (debt): 5.84% (lower mid). Point 10 Modified duration: 0.11 yrs (upper mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.11 yrs (upper mid). Indiabulls Liquid Fund
PGIM India Insta Cash Fund
JM Liquid Fund
Axis Liquid Fund
Invesco India Liquid Fund
Tata Liquid Fund
Aditya Birla Sun Life Liquid Fund
Nippon India Liquid Fund
ICICI Prudential Liquid Fund
Baroda Pioneer Liquid Fund