Calculators · Savings & Fixed Income
PNB FD calculator
Use this free PNB FD calculator to work out the maturity amount and interest on a Punjab National Bank fixed deposit. PNB's official FD interest rates and senior citizen rates are preloaded, with monthly interest, premature withdrawal rules and post-tax returns.
What your FD actually earns
Five calculation modes on one engine — cumulative growth, monthly payout, goal sizing, laddering and loan-against-FD. Every mode shows the post-tax and inflation-adjusted figure beside the headline number, because the headline rate is rarely the one you keep.
Worth is independent and is not affiliated with, or endorsed by, Punjab National Bank. Rates are taken from Punjab National Bank's official rate card (1 June 2026), checked on 14 October 2026.
The method
How to calculate PNB FD interest
Punjab National Bank compounds interest on cumulative fixed deposits quarterly. Pick a tenure in the PNB FD calculator and it applies that tenure's rate, then shows the maturity amount, total interest and what you keep after tax and inflation.
PNB FD interest rates (effective 1 June 2026)
| Tenure | General | Senior citizen | Super senior (80+) |
|---|---|---|---|
| 7 to 45 days | 3.00% | 3.50% | 3.80% |
| 46 to 90 days | 4.50% | 5.00% | 5.30% |
| 91 to 154 days | 4.90% | 5.40% | 5.70% |
| 155 days | 5.55% | 6.05% | 6.35% |
| 156 to 179 days | 4.90% | 5.40% | 5.70% |
| 180 to 302 days | 5.60% | 6.10% | 6.40% |
| 303 days | 5.55% | 6.05% | 6.35% |
| 304 days to under 1 year | 5.60% | 6.10% | 6.40% |
| 1 year | 6.25% | 6.75% | 7.05% |
| Over 1 year to 443 days | 6.30% | 6.80% | 7.10% |
| 444 days | 6.60% | 7.10% | 7.40% |
| 445 to 665 days | 6.30% | 6.80% | 7.10% |
| 666 days | 6.50% | 7.00% | 7.30% |
| 667 days to 3 years | 6.30% | 6.80% | 7.10% |
| Over 3 years to 1203 days | 6.35% | 6.85% | 7.15% |
| 1204 days | 6.30% | 6.80% | 7.10% |
| 1205 days to 5 years | 6.35% | 6.85% | 7.15% |
| Over 5 years to 10 years | 6.00% | 6.80% | 6.80% |
Punjab National Bank is a public sector bank, majority-owned by the Government of India. Its deposits are covered by DICGC insurance up to ₹5 lakh per depositor, principal and interest combined. Banks revise rates without notice, so confirm the rate on your deposit advice and enter it in the calculator.
Worked example: PNB FD, 3 years, 30% slab
- Deposit
- ₹5,00,000
- PNB 3-year rate
- 6.30%, compounded quarterly
- Period
- 3 years
- Interest earned
- ₹1,03,131
- Maturity amount
- ₹6,03,131
- Tax on interest (30%, new regime)
- ₹30,939
- Post-tax maturity
- ₹5,72,192
These are the calculator's default inputs on this page, so you can check every figure in the tool.
Key facts
PNB FD rules: premature withdrawal and senior citizen rates
Only terms confirmed on the lender's own website are listed. Check your deposit advice for the terms that apply to you.
| Tenure | Up to 10 years |
| Senior citizen rate | 0.50% above the general rate up to 5 years; 0.80% above for longer deposits (ages 60 to under 80) |
| Super senior citizen rate | 0.80% above the general rate on every tenure (age 80 and above) |
| Premature withdrawal penalty | 1.00%, on all tenors: you get the lower of the contracted rate or the rate for the period actually run, minus 1% |
| No-penalty case | No penalty if the deposit is closed early to reinvest in a PNB term deposit for longer than its remaining period |
| Special tenors | 155, 303, 444, 666 and 1204 days carry their own rates |
Source: PNB deposit interest rates. Effective: 1 June 2026. Checked by Worth on 14 October 2026. Rates are for deposits below ₹3 crore and can change without notice.
Breaking a PNB FD early: worked example
- Deposit
- ₹5,00,000
- Booked
- 3 years at 6.30%
- Closed after
- 18 months
- Base rate
- 6.30%
- Penalty
- 1.00%
- Rate applied
- 5.30%
- Interest received
- ₹41,090
- Without the penalty
- ₹49,150
- Cost of the penalty
- ₹8,060
Base rate: lower of the 18-month rate, 6.30%, and the contracted rate, 6.30%. Assumes PNB's current card rates and quarterly compounding, before tax. The bank pays the lower of the rate for the period run and the contracted rate, minus the penalty.
The essentials
PNB FD returns: monthly interest, senior citizen rates and comparison
Monthly interest on a PNB FD
With a monthly payout PNB FD at the 1-year rate of 6.25%, interest is about ₹521 a month on ₹1 lakh, ₹2,604 on ₹5 lakh and ₹5,208 on ₹10 lakh, before tax. Banks usually pay monthly interest at a slightly discounted rate, so treat these as close estimates. Switch the calculator to Monthly income mode to see the post-tax figure. Payout deposits earn less in total than cumulative ones, because the interest is paid out instead of compounding.
PNB FD for senior citizens
0.50% above the general rate up to 5 years; 0.80% above for longer deposits (ages 60 to under 80). Tick "Senior citizen" in the calculator and it loads the senior rate for the tenure you pick. For example, ₹10 lakh for 5 years at 6.85% grows to about ₹14.04 lakh. Senior citizens under the old tax regime can also claim the 80TTB deduction on up to ₹50,000 of interest a year, and can submit Form 15H to avoid TDS if their total income is below the taxable limit.
How PNB FD rates compare, and doubling time
At one year, Punjab National Bank's 6.25% ranks 7th of the 15 lenders in this calculator (level with 6 others); the highest is 7.50% from Unity Small Finance Bank. At five years, Punjab National Bank's 6.35% ranks 9th of the 15 lenders in this calculator; the highest is 7.77% from Jana Small Finance Bank. At the 5-year rate of 6.35%, a deposit doubles in about 11.0 years. Rate cards are revised on different dates, so compare like with like in the table below or in the main FD calculator.
Rate comparison
How PNB FD rates compare with other banks
1, 3 and 5-year general rates from each lender's official rate card, checked on 14 October 2026. Rate cards change on different dates, so the last column shows each one's effective date. The highlighted row is this page's lender.
| Lender | 1 year | 3 years | 5 years | Rate card |
|---|---|---|---|---|
| State Bank of India | 6.25% | 6.30% | 6.05% | 15 Dec 2025 |
| HDFC Bank | 6.25% | 6.45% | 6.40% | 19 Aug 2026 |
| ICICI Bank | 6.25% | 6.45% | 6.50% | 14 Oct 2026 |
| Axis Bank | 6.25% | 6.50% | 6.50% | 30 Sep 2026 |
| Kotak Mahindra Bank | 6.50% | 6.40% | 6.25% | 15 Apr 2026 |
| Punjab National Bank | 6.25% | 6.30% | 6.35% | 1 Jun 2026 |
| Bank of India | 6.25% | 6.25% | 6.00% | No date shown |
| Canara Bank | 6.25% | 6.25% | 6.25% | 17 Mar 2026 |
| Union Bank of India | 6.20% | 6.10% | 6.00% | 4 Aug 2026 |
| Central Bank of India | 6.10% | 6.00% | 6.00% | 10 Aug 2026 |
| Post Office Time Deposit | 6.90% | 7.10% | 7.50% | Oct–Dec 2026 |
| Jana Small Finance Bank | 7.00% | 8.00% | 7.77% | 29 Sep 2026 |
| Equitas Small Finance Bank | 7.00% | 7.00% | 7.00% | 3 Nov 2025 |
| AU Small Finance Bank | 6.35% | 7.40% | 6.75% | 1 Sep 2026 |
| Unity Small Finance Bank | 7.50% | 6.75% | 6.75% | 15 Jul 2026 |
Common questions
PNB FD Calculator: frequently asked questions
How do I calculate interest on a PNB FD?
What are the current PNB FD interest rates?
What is the penalty for breaking a PNB FD early?
How much monthly interest will I get on ₹1 lakh in PNB?
In how many years will a PNB FD double?
Is a PNB FD safe?
Is PNB FD interest taxable?
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