{"id":14950,"date":"2026-07-19T10:22:00","date_gmt":"2026-07-19T04:52:00","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=14950"},"modified":"2026-07-18T17:25:23","modified_gmt":"2026-07-18T11:55:23","slug":"pnb-fixed-deposit-scheme-2026","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/","title":{"rendered":"PNB Fixed Deposit Scheme 2026: Interest Rates &amp; Senior Citizen FD Guide"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"PNB_offers_general_fixed_deposit_interest_rates_ranging_from_300_to_660_pa_for_tenures_between_7_days_and_10_years_on_deposits_under_%E2%82%B93_crore_The_highest_return_is_a_special_660_pa_on_a_444-day_tenure\"><\/span><span data-subtree=\"aimfl,mfl\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">PNB offers general fixed deposit interest rates ranging from <\/span><strong class=\"Yjhzub\" data-sfc-root=\"ep\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">3.00% to 6.60% p.a.<!--TgQPHd||[]--><\/strong> for tenures between 7 days and 10 years on deposits under \u20b93 crore. The highest return is a special <strong class=\"Yjhzub\" data-sfc-root=\"ep\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">6.60% p.a.<!--TgQPHd||[]--><\/strong> on a <strong class=\"Yjhzub\" data-sfc-root=\"ep\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">444-day tenure<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>Punjab National Bank (PNB) is one of the biggest banks in India and is still the most favored bank for fixed deposits because of its extensive branch coverage and various tenure choices. No matter what kind of financial plan you have and how many months or years you want to lock up the money, it is always wise to learn about the latest PNB fixed deposit interest rates.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/#PNB_offers_general_fixed_deposit_interest_rates_ranging_from_300_to_660_pa_for_tenures_between_7_days_and_10_years_on_deposits_under_%E2%82%B93_crore_The_highest_return_is_a_special_660_pa_on_a_444-day_tenure\" >PNB offers general fixed deposit interest rates ranging from 3.00% to 6.60% p.a. for tenures between 7 days and 10 years on deposits under \u20b93 crore. The highest return is a special 6.60% p.a. on a 444-day tenure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/#PNB_Fixed_Deposit_Interest_Rates_in_2026\" >PNB Fixed Deposit Interest Rates in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/#PNB_Special_Fixed_Deposit_Schemes\" >PNB Special Fixed Deposit Schemes&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/#Senior_Citizen_FD_Rates_at_PNB\" >Senior Citizen FD Rates at PNB<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/#Considerations_for_Opening_a_PNB_Fixed_Deposit\" >Considerations for Opening a PNB Fixed Deposit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/#Frequently_Asked_Questions_FAQs\" >Frequently Asked Questions (FAQs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>Here we will talk about the latest interest rates of PNB, special FD schemes, advantages for senior citizens, and ways to find out the estimated maturity amount with the help of the FD calculator.<\/p>\n\n\n\n<p>This article does not constitute investment advice or a recommendation to purchase a fixed deposit with Punjab National Bank. Interest rates and other terms of the schemes may vary with Punjab National Bank.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"PNB_Fixed_Deposit_Interest_Rates_in_2026\"><\/span><strong>PNB Fixed Deposit Interest Rates in 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Punjab National Bank offers domestic fixed deposits with tenures ranging from <strong>7 days to 10 years<\/strong>. As per the latest rates effective <strong>1 June 2026<\/strong>, general customers can earn up to <strong>6.60% p.a.<\/strong>, senior citizens up to <strong>7.10% p.a.<\/strong>, and eligible super senior citizens up to <strong>7.40% p.a.<\/strong> on select deposit tenures.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Some of the commonly searched FD tenures are shown below:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Tenure<\/strong><\/td><td><strong>General<\/strong><\/td><td><strong>Senior Citizen<\/strong><\/td><td><strong>Super Senior Citizen*<\/strong><\/td><\/tr><tr><td>1 Year<\/td><td>6.25%<\/td><td>6.75%<\/td><td>7.05%<\/td><\/tr><tr><td>444 Days<\/td><td><strong>6.60%<\/strong><\/td><td><strong>7.10%<\/strong><\/td><td><strong>7.40%<\/strong><\/td><\/tr><tr><td>666 Days<\/td><td>6.50%<\/td><td>7.00%<\/td><td>7.30%<\/td><\/tr><tr><td>Above 3 Years to 5 Years<\/td><td>6.35%<\/td><td>6.85%<\/td><td>7.15%<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p>*Additional benefits are available to eligible super senior citizens as per the bank&#8217;s policy. Rates are subject to change.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"PNB_Special_Fixed_Deposit_Schemes\"><\/span><strong>PNB Special Fixed Deposit Schemes&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The other distinctive aspect of the FD portfolio offered by PNB is that of special tenures. While providing the same rate for all durations, the bank pays relatively higher interest on certain selected tenures like 444 days and 666 days. Special tenures give the customer more choices and possibly earn more interest than standard FD tenures.<\/p>\n\n\n\n<p>Furthermore, PNB also offers &#8216;PNB Tax Saver Fixed Deposits&#8217; that have a five-year lock-in period and are eligible for deduction under Section 80C of the Income Tax Act.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Fixed Deposits Update:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/bonds-vs-fixed-deposits-2026\/\" aria-label=\"Bonds vs Fixed Deposits 2026: Tax and Liquidity Comparison for Indian Investors\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Bond vs Fixed Deposits\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/bonds-vs-fixed-deposits-2026\/\">Bonds vs Fixed Deposits 2026: Tax and Liquidity Comparison for Indian Investors<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/senior-citizen-fixed-deposit-interest-rates-2026\/\" aria-label=\"Senior Citizen Fixed Deposit Interest Rates 2026: Which Bank FD Rates are\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18170204\/Senior-Citizen-Fixed-Deposit-Interest-Rates-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Senior Citizen Fixed Deposit Interest Rates\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18170204\/Senior-Citizen-Fixed-Deposit-Interest-Rates-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18170204\/Senior-Citizen-Fixed-Deposit-Interest-Rates-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18170204\/Senior-Citizen-Fixed-Deposit-Interest-Rates-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18170204\/Senior-Citizen-Fixed-Deposit-Interest-Rates-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18170204\/Senior-Citizen-Fixed-Deposit-Interest-Rates.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/senior-citizen-fixed-deposit-interest-rates-2026\/\">Senior Citizen Fixed Deposit Interest Rates 2026: Which Bank FD Rates are<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/\" aria-label=\"PNB Fixed Deposit Scheme 2026: Interest Rates &amp; Senior Citizen FD Guide\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18172054\/Indias-Bond-Market-in-June-2026-5-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"PNB Fixed Deposits Scheme\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18172054\/Indias-Bond-Market-in-June-2026-5-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18172054\/Indias-Bond-Market-in-June-2026-5-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18172054\/Indias-Bond-Market-in-June-2026-5-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18172054\/Indias-Bond-Market-in-June-2026-5-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18172054\/Indias-Bond-Market-in-June-2026-5.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/\">PNB Fixed Deposit Scheme 2026: Interest Rates &amp; Senior Citizen FD Guide<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Senior_Citizen_FD_Rates_at_PNB\"><\/span><strong>Senior Citizen FD Rates at PNB<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As part of the FD portfolio at Punjab National Bank, <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/senior-citizen-investment-options\/\" type=\"post\" id=\"13524\">senior citizen FD rates<\/a> offer additional interest over and above the card rates. Eligible super senior citizens can get additional benefits on selected retail deposits based on PNB&#8217;s policy at that time.<\/p>\n\n\n\n<p>This enables senior citizens who are retired to earn comparatively higher interest without moving away from the PSU bank.<\/p>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Explore Bonds<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\">High Yield Bonds\u00a0<\/a>|\u00a0<a href=\"https:\/\/goldenpi.com\/corporate-bonds\">Corporate Bonds<\/a>\u00a0|\u00a0<a href=\"https:\/\/goldenpi.com\/collections\/tax-free-bonds\">Tax Free Bonds<\/a> | <a href=\"https:\/\/goldenpi.com\/\">Buy Bond Platform<\/a><\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Considerations_for_Opening_a_PNB_Fixed_Deposit\"><\/span><strong>Considerations for Opening a PNB Fixed Deposit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Interest rates play a crucial role, but there are other things to consider as well before opening a fixed deposit account in Punjab National Bank.<\/p>\n\n\n\n<p>Things such as the period of investment, penalty on premature closure of account, tax consequences on interest earned, and the choice of earning interest periodically or in one lump sum must be carefully considered. PNB fixed deposit accounts come with DICGC insurance cover up to the prescribed limit per depositor per bank.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td>Factor<\/td><td>Why It Matters<\/td><\/tr><tr><td>Interest Rate<\/td><td>Determines the return on your deposit.<\/td><\/tr><tr><td>Tenure<\/td><td>Should match your financial goals.<\/td><\/tr><tr><td>Special FD Scheme<\/td><td>Selected tenures may offer different interest rates.<\/td><\/tr><tr><td>Premature Withdrawal<\/td><td>May be subject to applicable terms or penalties.<\/td><\/tr><tr><td>Deposit Insurance<\/td><td>Eligible deposits are covered under DICGC norms.<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span><strong>Frequently Asked Questions (FAQs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1784374737543\"><strong class=\"schema-faq-question\">Q1. <strong>What is the highest PNB FD interest rate in 2026?<\/strong><\/strong> <p class=\"schema-faq-answer\">As per the latest interest rates on retail FDs effective 1 June 2026, the highest rate of interest offered by Punjab National Bank is 6.60% p.a., 7.10% p.a. for senior citizens, and 7.40% p.a. for eligible super-senior citizens on selected tenures.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784374750027\"><strong class=\"schema-faq-question\">Q2. <strong>What is the PNB Special FD Scheme?<\/strong><\/strong> <p class=\"schema-faq-answer\">The Punjab National Bank provides special FD tenures like 444 days and 666 days with interest rates different from the regular FD tenures. It is at the discretion of the bank regarding the availability of tenures and interest rates.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784374763061\"><strong class=\"schema-faq-question\">Q3. <strong>Is there any way to know the FD maturity value online?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, one can use a PNB FD calculator to know about the maturity amount after providing details such as FD amount, tenure, and the interest rate applicable.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784374777458\"><strong class=\"schema-faq-question\">Q4. <strong>Are PNB FDs safe?<\/strong><\/strong> <p class=\"schema-faq-answer\">Punjab National Bank is a public sector bank regulated by the Reserve Bank of India (RBI). FDs that qualify according to eligibility criteria are insured by the DICGC deposit insurance scheme up to an applicable limit.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Punjab National Bank still ranks as one of the most preferred banks for FDs, especially those who prefer the security that comes with a government-backed institution. The flexibility in tenures, the presence of unique FDs like the 444-day FD, the additional services for senior citizens, and the tax-saving FDs make Punjab National Bank an ideal choice for a variety of savings needs. Ensure you know all about the different tenures and check the interest rates from the bank before starting your FD account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"BlogPosting\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/#article\",\n    \"isPartOf\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/fixed-deposit\/pnb-fixed-deposit-scheme-2026\/\"\n    },\n    \"headline\": \"PNB Fixed Deposit Scheme 2026: Interest Rates & Senior Citizen FD Guide\",\n    \"description\": \"PNB offers general fixed deposit interest rates ranging from 3.00% to 6.60% p.a. for tenures between 7 days and 10 years on deposits under \u20b93 crore. 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