Punjab National Bank FD Calculator
Estimate the maturity value and interest on a fixed deposit with Punjab National Bank. Adjust the amount, rate, tenure and compounding to match Punjab National Bank's current FD terms.
Simple mode
Quick estimate, sensible defaults
Maturity value
₹1,41,478
Effective annualized yield
8.30%
“FD: Because sleep is better when your money sits still and steady.”
Simple Mode uses quarterly compounding, the norm for Indian bank FDs. Switch to Advanced Mode for investments above ₹10L, a different compounding frequency, and more control.
Top FD interest rates right now (compare against Punjab National Bank)
See all bank rates →#1Suryoday Small Finance Bank
Bank's interest-rate page ↗Duration
30 months
Regular
8.10%
Yield* 8.88%
Sr. Citizen
8.25%
Yield* 9.06%
#2Jana Small Finance Bank
Bank's interest-rate page ↗Duration
36 months
Regular
8.00%
Yield* 8.94%
Sr. Citizen
8.30%
Yield* 9.32%
#3Equitas Small Finance Bank
Bank's interest-rate page ↗Duration
888 days
Regular
7.75%
Yield* 8.44%
Sr. Citizen
8.25%
Yield* 9.03%
Rates updated as of 14 Jul 2026 · p.a. · *Annualized yield assumes quarterly compounding over the shown tenure (1 year if unspecified). Confirm with the bank before investing.
FD tips
- Compare Punjab National Bank's FD rate against the top-rate table above before committing.
- Ladder your FDs across tenures so some mature each year and you keep flexibility.
- Factor in tax on interest — your post-tax return can be lower than the headline rate.
- Building a smaller amount every month instead? See the Punjab National Bank RD Calculator.
How it's calculated
A cumulative FD compounds interest each period and pays it at maturity. The maturity value is:
M = P × (1 + i/n)n·t
where P is the principal, i is the annual interest rate (as a decimal), n is the number of compounding periods per year (4 for quarterly — the most common convention for Indian bank FDs, including Punjab National Bank), and t is the tenure in years. Set the rate slider to Punjab National Bank's currently advertised FD rate for an accurate estimate — we don't hardcode a single bank's rate into the calculator itself.
Example
A ₹1,00,000 deposit at 7% for 5 years, compounded quarterly, grows to roughly ₹1,41,478 — an interest earning of about ₹41,478. Swap in Punjab National Bank's currently advertised rate above for an exact figure.
About Punjab National Bank
Punjab National Bank is a public sector bank, founded in 1894, with a large nationwide network, among the biggest PSU banks by branch count. Like every scheduled bank operating in India, deposits with Punjab National Bank are covered by DICGC insurance up to the current per-depositor limit.
How it works
This calculator uses the same maturity-value formula as our general FD Calculator — Punjab National Bank doesn't use a different compounding convention from any other Indian bank. Enter Punjab National Bank's currently advertised rate (check their official rates page) and your deposit amount and tenure to see the projected maturity value.
How to use it
- Set your deposit amount and the tenure you're considering.
- Set Punjab National Bank's current FD rate for that tenure — quarterly compounding is the default, matching standard Indian bank practice.
- Compare the result against the rate table below to see how Punjab National Bank stacks up against other banks.
Important caveats
- We don't hardcode Punjab National Bank's specific rate into this calculator — rates change, so always check Punjab National Bank's official rates page before relying on a figure.
- FD interest is fully taxable at your income slab rate — the maturity value shown is pre-tax.
- Breaking an FD before maturity usually reduces your effective return via a penalty — this calculator assumes the FD runs its full chosen tenure.
Benefits of an FD with Punjab National Bank
- DICGC-insured principal and interest, like any other scheduled Indian bank.
- Fixed, predictable returns unaffected by market movements.
- Punjab National Bank's A large nationwide network, among the biggest PSU banks by branch count, useful if you prefer in-branch service.
FD rates — top banks (including Punjab National Bank)
Rates updated as of 14 Jul 2026
| Bank | Rate (p.a.) | Tenure | Notes |
|---|---|---|---|
| Suryoday Small Finance Bank | 8.10% | 30 months | Top Highest Interest rate from March 29, 2026 |
| Jana Small Finance Bank | 8.00% | 36 months | Effective from 23rd June 2026 |
| Equitas Small Finance Bank | 7.75% | 888 days | Peak advertised rate; varies by tenure |
Frequently asked questions
Is my FD with Punjab National Bank insured?
Yes. Punjab National Bank, like every DICGC-insured bank operating in India, has deposits covered up to the current DICGC limit per depositor per bank — the same protection that applies to any other bank on our platform, regardless of whether it's a PSU, private, or small finance bank.
Does Punjab National Bank offer a senior citizen FD rate premium?
Most Indian banks, including Punjab National Bank, offer a modest additional interest rate for senior citizens on fixed deposits. We don't display bank-specific senior rates on this page — check Punjab National Bank's current published rates directly, or use the rate slider above to model a higher rate if you know your senior citizen premium.
How do I open an FD with Punjab National Bank?
Punjab National Bank, founded in 1894, offers fixed deposit accounts through its branch network, net banking, and mobile app, like most Indian banks. Use this calculator to work out the numbers first, then open the account directly with Punjab National Bank — we don't process deposits or applications ourselves.
Learn more from official sources
- Reserve Bank of India (RBI) — regulator for Indian banks, including Punjab National Bank.
- DICGC — deposit insurance covering Punjab National Bank and every other DICGC-member bank.
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